vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-18 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: MI

Complaint narrative:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS 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 2019-11-18 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX XXXX File Number : XXXX Someone within SYNCB/XXXX went into my account and changed the paper statements to email without my permission or knowledge. I did not receive the bill to pay it. 

When I saw it pop up on my credit report, I contacted them immediately to find out the problem. I was told that the late fee would be taken off and that the account was switched back to paper statements. They asked me if I requested that the statements be switched to email and I told them no, that I had not requested this. 

I proceeded to pay off what I owed in full.

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 2019-11-18 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: MI

Complaint narrative:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS 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 2019-11-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was charged two over draft fees at the same time because my account became negative the day before my paycheck arrived. These charges were not supposed to post until the following business day but by error were charged a day earlier. Its egregious to charge for each transaction despite them being in error. Im a loyal US bank customer and for them to pile on the over draft fees the day before I get paid is terrible customer service and they refuse to even listen to the customer. Im a student and US Bank is a large corporation. Stealing {$72.00} from me is greed in its finest form.

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 2019-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I entered military service in XX/XX/XXXX and put all of my student loans into deferment while I went to XXXX XXXX and got into a routine and made a little bit of money. Around XX/XX/XXXX, I was stable enough to start making payments on my student loans, and I started to do so. However, when restarting payments on my loans, I forgot about the {$30000.00} loan I had taken out with CitiBank. Over time, the payments became very delinquent. There was no attempt to contact me that I am aware of, either through email, phone, or mail. 

I found out about the delinquent account because my clearance was at risk in XX/XX/XXXX. I called the company to try to figure out a payment plan because I am WILLING AND ABLE to make payments. The debt has been passed around through various companies, and this required calling all of them. CitiBank gave it to a company called XXXX, who sold it to XXXX XXXX XXXX, who sold it back to CitiBank. I received no notification that my debt was passed around, and who I should be making payments to. I called Citibank late XX/XX/XXXX to try to make a payment plan, and they refused, saying that the only option for me was to pay a settlement equal to 65 % of the amount owed. The amount owed is {$42000.00} and the settlement payment is {$27000.00}. 

I told the representative that I talked to that I am unable to make a settlement payment, but that I am WILLING AND ABLE to negotiate monthly payments, and my request was refused. When I asked to speak with someone else or a supervisor, my request was denied and the representative stated that he did not have a supervisor and that he is the only one that I am allowed to talk to. 

I considered getting a consolidation loan, but I can not get a loan with bad credit. I can not fix my credit until I get this loan taken care of. This is an endless loop that I am stuck in despite my willingness to fix it and make it right.

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 2019-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
There are approximitely 8 collection accounts with Bull City Financial that are the responsibilty of the North Carolina Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX  when these providers were used. The North Carolina Department XXXX XXXX is responsible for these invoices. Please contact XXXX XXXX, Acting Controller for XXXX. Her number is ( XXXX ) XXXX, Fax ( XXXX ) XXXX. The collection agency refuses to put in a dispute or take these off my credit report, which is in violation of state statute, as well as U.S. Const. amend. VIII and N.C. Const., art.I section 27.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I received a letter from Nelnet.com, Concerning a debt that, I do not owe. After they have been notified by my attorney, To Decease and Desist from communicating wit me they still engage in Practices that is in violation Pursuant to the Federal Fair Debt Practices Act ( 15 USC 1692c ), and is in violation of Federal Law. The letter Date : XX/XX/ 2019, also fails to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Regions Bank is refusing to refund fraudulent debit card charge. On XX/XX/XXXX my debit card ( along with several other credit cards ) were stolen. A transaction was made almost immediately to the thief 's XXXX account ( XXXX ) for {$300.00}. I reported the card stolen within 2 hours ( honestly I think it was under an hour ) to Regions Bank. I reported it stolen that night over their XXXX number ( and to the local police department ) and then I went into a local branch and was told they couldn't do anything until the transaction was actually posted. Only THEN could a dispute be filed. 
On XX/XX/XXXX they sent a letter to me telling me no credit to my account would be made for this fraudulent transaction. The stated reason was " Transaction verified with your card credentials. Transaction passed fraud analysis ''. 
So as a matter of routine and apparent policy they do not limit user 's liabilities to {$50.00}, which is the law according to the Electronic Fund Transfer Act ( EFTA ) or Fair Credit Billing Act ( FCBA ). If I'm not understanding the law correctly, please let me know, but every source I've seen says I'm right. 
It took me several days to get a live person to speak with at Regions ( knowing the local branch wouldn't be of any help, it's out of their hands according to the person I spoke with ). When I did finally speak with someone they told me nothing could be done.

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 2019-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: NC

Complaint narrative:
There are approximitly 10 collection accounts with Amerifinancial Solutions which are not mine. The responsible party is the North Carolina Department of Public Safety XXXX XXXX XXXX XXXX. These bills were incurred while I was XXXX. You may contact the North Carolina Department of Public Safety,  XXXX XXXX, Acting Controller for NCDPS  and she will tell you I am not responsible and tell you how to get paid by 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 2019-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
It started with XXXX XXXX XXXX, they told me to miss a couple payments and they could do a modification. I returned the usher, and each time they would say I didn't turn in a certain page, I'd resend, and then it'd be another page. Long story short they made s sell date and I called the Tennessee General attorney, who then called XXXX, and the next day they sold my loan to Nationstar. They said the modification would transfer to Nationstar. I called nationstar multiple times and they kept saying it'd take time to receive it. Next thing I know I'm getting foreclosure papers. The fees they were charging were more than what I originally owed. I couldn't come up with $ XXXX so I filled a chapter XXXX bankruptcy. I paid on my bankruptcy got three years, and my lawyer advised I should cancel the bankruptcy and pay the issues due. He stated he speak with them. My bankruptcy closed in XXXX, and I have a sale date less than three months later. I received an application for a modification to weeks ago that was date for XXXX. I never received any papers about foreclosure. A couple was outside my home, and u asked if I could help them, and they advised my home was listed for sale. I immediately called Nationstar ( Mr. Cooper ) who advised me of a sale date less s week and a half away. I asked for a reinstatement amount, and was advised I had to pay {$11000.00} by Monday XXXX XXXX XX/XX/2019 by bank wire transfer. They never notified me of foreclosure, they wouldn't work with me at all, even though I had the money to catch the loan up, and again, they are charging more in fees than what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
Kraken 's transfer to a FRAUD SCAM Brokers : XXXX XXXX  I would like to bring your attention to a serious issue I have with Kraken wires that first took place on XXXX of XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. 
The funds were transferred utilizing Kraken 's services in the total amount of XXXX EUR! 
I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with Kraken.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
The new servicing company is charging me " pay by phone fees '' when I have never paid by phone. I have contacted them, they didn't respond to me. They responded to you in my last complaint with you XXXX by lying and telling you that I paid by phone, when I haven't. I need someone to help me with this company and getting my unsubstantiated fees, back. I was transferred to the Massachusetts XXXX XXXX by one of your representatives, but they transferred me a couple times to no avail. How does a servicing company get away with this?

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 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax deleted all my positive credit and when I contacted them they said it was nothing they could do about also they put a credit alert on my report. I have called numerous times and they act as if they don't know what I am talking about. Also it is reporting a high utilization when I don't even have any credit????? I am so sick of the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
chase has negligently, fraudulently and maliciously sent out cashiers checks in my address and account number to a person I have never heard of. 

This game chase has been playing has been going on for 4 months now,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-18 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: SC

Complaint narrative:
Payment made XXXX/XXXX/2018 Credit report showing i was 30 days late

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 2019-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have sent several requests to validate this account with no response. This is not my debt/account. This is a HIPPA violation without a legal contract in place. I have not received any validation from United Revenue Services. I am allowed under the Health Insurance Portability Act to protect my privacy and medical records from third parties. This company has not provided a copy of any documents with my physical signature with the provider of service to release my medical information Please remove from my credit report. Disputes has also been submitted. I am prepare for further action if this continues

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have been calling Navy Federal Credit Union about having hardship paying on my credit card account and Checking Line of Credit with them. I called last week to see can they lower my payments to $ XXXX a month for both account. I explain to the rep that I'm unemployed and the only amount that I received each month is {$200.00}. I was willing to pay something on the accounts. I received a call back the next day saying that they can not help me. I explain to the rep that I will not be making the payments that they set up for {$80.00} a month. It really hurts me that consumers can not get help with they account, when they have falling on hard times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Received card - Terms were to make {$500.00} in purchases to get {$150.00} back - Also had balance transfer offer. Made purchases, used Wells Fargo App to ensure all transactions were posted to account. The app shows details like Transaction Date and Posting Date. I reviewed ALL transactions, and they ALL showed that they have been posted to the account a minimum of 24 hrs prior. So, I made payment in full, which posted a couple days later. I happened to look back at my app and it showed a new balance of {$140.00}. When I called Wells they told me that it was still part of my charges that were posting. I asked why they had all shown posted to my account via my app a full 24 hours prior, why would I still have outstanding transactions. The response was that even though they show posted to my account, it takes 1-3 days to HARD POST. Three separate levels of reps told me this. I asked if the words HARD POST were explained or even present in my Cardmember Agreement, they said it was. Upon a search it was revealed to in fact not be in my agreement and any language could not be found around hard posting times. 

This is a deceptive practice, I was presented with a total balance, and confirmation that all transactions had posted, I made payment in full. Then a couple days later, without any further use of my card, I have a new balance. All this activity was well before any statement date, so if I had not done due diligence in checking my account again, I would have interest billed that I was not expecting or planning for. 

When I asked if they thought that was clear to the Customer, I received a canned answer that it is my responsibility to review my statement each time. If I paid my account in full, with all transactions showing posted, and did not use my card further, all before any cycle date, why would i need to review my statement!? As you read this, I hope you can understand my position and why this is totally deceptive. 

I filed a formal complaint with Wells CASE ID # 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 2019-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
XX/XX/19 and XX/XX/19 I received responses to the disputes I sent them originally requesting a HIPAA release signed by me to show they had authorization to collect information. The letters included their right to collect the debt as well as other requested items. They did not send HIPAA release form or signature. I also sent the same letter to XXXX  and they too have not replied or released the HIPAA form I requested. United Revenue Corp called my disputes vague and stated they would consider them frivolous. I have made them aware this is damaging my credit and to please stop reporting due to their no response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
I was notified by XXXX XXXX XXXX XXXX around XXXX XXXX  XX/XX/19 if I wished to authorize an debit of {$280.00}. Once notified from the credit union, I looked up my banking statement and noticed another transaction of {$450.00} has been processed by Western Union. Upon noticing the unauthorized transaction, I contact XXXX  XXXX XXXX XXXX XXXX and reported the transaction. Then I contacted Western Union about the unauthorized transaction. They transferred me to their fraud department and gave little detail to the transaction except for the individual that received the {$450.00} from an XXXX, Il Western Union location. Western Union did not offer to refund the funds due to the fact that they had been fraudulently paid out. After looking up their website, I noticed an account had to be created to access my account. An individual created a fake account with unknown name and address as well as e-mail with my banking number that Western Union would not tell me who created the account. I then contacted XXXX County Sheriff to make a report of money fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK
State: PA

Complaint narrative:
I opened an Express checking account with XXXX XXXX XXXX ( they've since changed their name to First Horizon bank ) with XXXX XXXX at the XXXX XXXX XXXX XXXX branch in XXXX Tennessee on XX/XX/2019. While opening this account, I signed up for a promotional offer of {$200.00}. I've attached the certificate of that offer. I gave this to XXXX XXXX when she was opening the account and she confirmed applying it to my account. The offer required me to open the account with {$50.00} and set up and receive a direct deposit within 60 days of opening the account. I opened the account with {$50.00} and got a direct deposit of {$1000.00} from my employer XXXX XXXX University on XX/XX/2019. The terms of the offer were that the {$200.00} will be paid within 6 weeks of the direct deposit. I never got this money, and calls to their customer service number of the bank branch where I opened the account didn't help at all. They told me they can't see the promo attached to my account and I couldn't contact XXXX XXXX at all.

Company response to consumer: Closed with explanation