vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I went inside my nearby Chase Bank to cash some savings bonds. I went to the bank and was told i would receive XXXX $ in true amount they had matured into. On XX/XX/XXXXXX/XX/XXXX the DAY BEFORE XX/XX/XXXX WITHOUT WARNING OR PERMISSION took out XXXX XXXX After almost a month they just decided to take money out of my account and said it was an error on their part but offered no apology and said it was authorized. It wasnt. I was planning on using that money for rent and my basic needs and because of a mistake they made they were just allowed to take the money out?!?? They didnt even tell me or ask me but just did it right before the holidays. It ruined my XXXX!!! They take out overdraft fees as fast as they can when I make a mistake and wont give it back but when the bank makes one they can TAKE EVERY CENT FROM MY BANK ACCOUNT. 
Whats worse is that since they out my account in negative, an app of mine out money in to stop an overdraft fee but now I owe another company money because of what Chase did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: AZ

Complaint narrative:
When I request options for payment plans on the website, it offers me several options such as graduated repayment program, RPAY, etc ... my totals due double up and I would end up owing double of what I owe now. example If I have XXXX left to pay and request to change to new plan my new payment plan would be XXXX total owed and would be owing up until 2029. How is that helping me pay off my loan? I don't think this is fair and yes I am in a higher bracket income but I want to do the right thing and pay this off. How is this fair at all for those of us who worked so hard to get these degrees only to get ripped off and charged higher to request to pay off loans sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
XX/XX/2018 and XX/XX/2018 I sent certified letters to Kansas Counselors asking them to validate the debt they are stating belongs to me. I received no correspondence back nor was it removed from my XXXX, XXXX or XXXX Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had filed a dispute for a transaction that merchant did not provide services as agreed. I tried to work with merchant but was unsucessful. When WellsFargo revuewed the clsim they provided me with temp credit as my dispute was making sense. When the case went to XXXX  abritation, XXXX declined saying there is no breakdown for price. Wells Fargo also reversed the credit on my account. WellsFargo is not willing to appeal the case saying its costly affair. My question is if the merchant never provided breakdown on actual invoice, how I as a consumer can provide that. The breakdown of charge allocation should be from merchant not consumer

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 2018-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was informed that a fraud alert was placed on my credit file from this credit reporting agency. I did not request a fraud alert be placed on my file nor was I notified of this action

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
chex system is reporting incorrect infomation under my file i had disputed the infromation in my file from XXXX XXXX and XXXX XXXX XXXX they did there investigation and completed it and the banks can not provide anything making the accounts mine expect for one account and the address is not correct either and there reporting it as accurate i called chex systems asking them why they are still reporting the information when they have nothing making these accounts mine XXXX XXXX XXXX can not provide anything on either accounts and XXXX XXXX can not provide anything for one account and the other one is not the correct address i also trying removing address and they will not remove them becauswe what XXXX XXXX states but what they have claiming the account is mine and there proof is not whats being reported to chex systems and also they wont remove it because of an inquiry from XXXX XXXX XXXX XXXX that i never had an account with them and dont recalling tryimng to get an account with them. this is very damaging to me as i can not get a checking account anywhere and they will not remove all this negative information and are still reporting it when they have not been give anytning making it mine please help 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 explanation
Consumer complaint received 2018-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2018-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I filed a dispute for idenity theft and included a police report and an identity theft report required by credit reporting agency Transunion. The list of disputed accounts on id theft report were deleted..The problem is that transunion additionally deleted all other accounts within my reports that were positive accounts and that were NOT INCLUDED ON MY IDENTITY THEFT REPORT. tHIS ACTION LEFT MY ENTIRE CREDIT REPORT COMPLETELY EMPTY WITH NO TRACE OF ANY CREDIT REPORTING WHATSOEVER. My report was left unable to even generate a credit score at all. 
Transunion additionally communicated to XXXX and XXXX information regarding the wrongfully deleted positive accounts causing both of these agencies to also Delete accounts thst were not reported as Fraudulent accounts and this caused my other two reports to become completely erased and unable to to generate credit scores. I was left with no agency having any trace of any account to report at all. I had a XXXX credit score across the board and to lenders it appeared as if no credit had ever existed. Additionally the accounts were also prevented from re-reporting the information back onto my reports and I have been unable to get Transunion to replace the deleted accounts or remove blocks from my positive credit accounts so that the bank could reenter the information that should have never been deleted. Please force transunion to go back to when this action took place and put the accounts that were not included in my identity theft reports back on my record and correct this issue. This is necessary as these accunts were damaged and deleted directly as a result of transunion and they are responsible to fix what they have caused without the need of financial institutions being forced to re-enter old information that they are unable to do since theyre attempts to do this already were unsuccessful for the reasons that transunion has further blocked the re-entry of the 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 2018-11-23 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 — Was not notified of investigation status or results
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have a a unverified account from XXXX XXXX I have previously disputed this account. I have never done business with XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the validity of the debt and received no response twice. I also called and was told the would send paperwork and I have yet to receive anything 3 months later. I requested XXXX XXXX   Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was informed that a fraud alert was placed on my credit file from this credit reporting agency. I did not request a fraud alert be placed on my file nor was I notified of this action

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 2018-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was informed that a fraud alert was placed on my credit file from this credit reporting agency. I did not request a fraud alert be placed on my file nor was I notified of this action

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 2018-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I received an email saying that I miss a payment on my credit card, because of that my credit score went down by 200 points, my APR increased in another credit score and my credit limit decreased. All of this happened because my automatic payment was cancelled by my credit card company. Then the credit card company never sent me the monthly statement or an email. I called the company and told of the problem. They acknowledge the problem. I paid the monthly statement, but they did not remove the late payment from my credit report. They told me that it wasn't their problem. This is having a negative impact on my life even when it wasn't my fault. I reached out to them for a solution and they don't seem to care.

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 2018-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion, XXXX and XXXX are all reporting Bankruptcies twice on all 3 of my Credit Reports. 

TransUnion is reporting 2 Bankruptcies dated :XX/XX/XXXX and XX/XX/XXXX. 

XXXX is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

XXXX is reporting 2 Bankruptcies dated :XX/XX/XXXX and XX/XX/XXXX. 

However, I have tried to dispute these inaccuracies with all 3 Credit Reporting Agencie : TransUnion, XXXX and XXXX. However, they have yet to MASK these items, from my Credit Reports. 

However, onXX/XX/XXXX after I disputed these inaccuracies with TransUnion, XXXX and XXXX. TransUnion and XXXX REMOVED the Bankruptcies, from my Credit Report, but then ADDED them right back on my Credit Report the SAME EXACT day! I have also attached proof of this with this complaint. 

I have also contacted the Federal State Bankruptcy Court that responded back to me via signed letter stating, That they do NOT REPORT any Bankruptcies to any of the 3 Credit Reporting agencies. I have attached this letter, from the Federal State Bankruptcy Court to this complaint.

I am requesting that ALL 3 Credit Reporting Agencies : TransUnion, XXXX and XXXX IMMEDIATELY REMOVE ALL of these Bankruptcies, from my Credit Reports. Because ALL 3 Credit Reporting Agencies are in violation, of the Fair Credit Reporting Act.

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 2018-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I received an email saying that I miss a payment on my credit card, because of that my credit score went down by 200 points, my APR increased in another credit score and my credit limit decreased. All of this happened because my automatic payment was cancelled by my credit card company. Then the credit card company never sent me the monthly statement or an email. I called the company and told of the problem. They acknowledge the problem. I paid the monthly statement, but they did not remove the late payment from my credit report. They told me that it wasn't their problem. This is having a negative impact on my life even when it wasn't my fault. I reached out to them for a solution and they don't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I received an email saying that I miss a payment on my credit card, because of that my credit score went down by 200 points, my APR increased in another credit score and my credit limit decreased. All of this happened because my automatic payment was cancelled by my credit card company. Then the credit card company never sent me the monthly statement or an email. I called the company and told of the problem. They acknowledge the problem. I paid the monthly statement, but they did not remove the late payment from my credit report. They told me that it wasn't their problem. This is having a negative impact on my life even when it wasn't my fault. I reached out to them for a solution and they don't seem to care.

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 2018-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XXXX report, it shows that JP Morgan Chase that I owe a balance of {$310.00}. The alleged account also states that it was closed XX/XX/2013. I have no knowledge of this account. Also the alleged account was closed over 5 years ago and needs to be removed from my XXXX report. After the account is removed please send me another report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bankers Auto Acceptance
State: CA

Complaint narrative:
XXXX XXXX employee, XXXX, calls me repeatedly. I paid my XXXX payment but they will not put it towards my car because I did not have insurance at the time. I sent my new insurance to the company and they deny to have ever gotten it. Ive talked to XXXX several times and she just laughs at me and continuously yells over the phone that its my problem and I need to fix it. After wanting my current insurance, they started to ask for months prior ( XXXX ) when they should have it because I turned in the insurance documents to the XXXX and they sent the documents to XXXX XXXX. They want to charge me XXXX again, because the money I paid towards my car payment now went to them as insurance fees. They continuously send me letters saying I am in collections now. They sent someone to my house to take my car or threaten to take it because it was 10 days late after taking my money for insurance fees. 
The photos provide the letters sent to my house about collections, my old insurance, my new insurance company and a bank statement as to when I paid my car in XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation