vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
I have been an Arvest customer for many years. Several accounts and several mortgages. A couple years ago I got a divorce and will admit financially it was hard. Paycheck to paycheck and most weeks negative. I was able to stay a float though till my mom passed away a few months ago. She left nothing so in order to bury her I took out short term loans and whatever I could. Thats when it became a disaster. I went to a debt consolidate place and I am trying it. Anyway all the loans were going to be put into one pymt but they kept trying to auto draft my checking account still. I told Arvest not to let them but they kept on so I begged Arvest to close that account numerous times but they refused. They closed it when it finally had over 700 dollars in just overdraft bank fees. I couldnt pay that and dont think its fair when I asked them to close the account or stop these places from trying to debit my account. I couldnt deposit any money into the account or these loans would have took it. Arvest then took XXXX dollars of my XXXX year old sons account to pay some of the over draft fees on my account saying I was on my sons account. Thats news to me. I never received notice that I was. Arvest has no right to take his money to cover this. He doesnt live at Home and has a family of his own. When I pull up my accounts with Arvest it has never showed my sons account. When I have order checks from them they mentioned the two accounts I have with them, never mentioned a third account. Anyway now the same thing is happening to my second account with Arvest that happened with the first. Once again they are refusing to close it or stop a certain business from trying to debit my account and its already over 500 in bank fees. I am at rock bottom. I have explained about my mom, begged and pleaded for mercy but have had no luck. I have never seen a bank so uncaring and heartless. I cant afford these overdrafts. My electric got shut off the other day. I am working 60 hours a week trying to catch up. Over 1,000 in bank fees this last couple of months is robbery. I have tons of messages to Arvest asking to close my accounts or stop the auto drafts starting from the beginning before it got so far out of hand. They refused. Tk you for listening and please help me before I lose everything including my mind. 
XXXX 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 2019-01-15 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: MO

Complaint narrative:
I have sent disputed documents in XXXX, XXXX  and XX/XX/XXXX to all three credit burueas XXXX, Experian and XXXX disputing information that is incorrectly being reported on my credit report. The account in particular is XXXX XXXX   acct # XXXX, account opened on XX/XX/XXXX and was closed and charged off in XXXX for XXXX! This account is reporting incorrectly and each month after the account has been closed still reports monthly that the account is passed due! How is this so, when it is closed and charged off since XXXX! The account per my credit report was last updated XX/XX/XXXX yet up until now XX/XX/XXXX it was reported past due and late! This is in direct violation of fcra and I am demanding that this account is removed from my credit report and all points low because of it be restored to my account!

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 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX XX/XX/18 XXXX  XXXX XXXX XXXX payment paid back in XXXX for XXXX, XXXX and XXXX payment paid. on my credit report not showing updated.

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 2019-01-15 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: Nelnet, Inc.
State: FL

Complaint narrative:
I dispute XXXX XXXX XXXX account for payment history. The payment history is incorrect for XXXX XXXX XXXX account. I am requesting that this item is deleted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: MO

Complaint narrative:
I have sent disputed documents in XXXX, XXXX and XX/XX/XXXX to all three credit burueas TransUnion, XXXX and XXXX  disputing information that is incorrectly being reported on my credit report. The account in particular is XXXX XXXX   acct # XXXX, account opened on XX/XX/XXXX and was closed and charged off in XXXX for XXXX! This account is reporting incorrectly and each month after the account has been closed still reports monthly that the account is passed due! How is this so, when it is closed and charged off since XXXX! The account per my credit report was last updated XX/XX/XXXX yet up until now XX/XX/XXXX it was reported past due and late! This is in direct violation of fcra and I am demanding that this account is removed from my credit report and all points low because of it be restored to my account!

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 2019-01-15 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have sent disputed documents in XXXX, XXXX  and XX/XX/XXXX to all three credit burueas XXXX, XXXX  and Equifax disputing information that is incorrectly being reported on my credit report. The account in particular is XXXX XXXX   acct # XXXX, account opened on XX/XX/XXXX and was closed and charged off in XXXX for XXXX! This account is reporting incorrectly and each month after the account has been closed still reports monthly that the account is passed due! How is this so, when it is closed and charged off since XXXX! The account per my credit report was last updated XX/XX/XXXX yet up until now XX/XX/XXXX it was reported past due and late! This is in direct violation of fcra and I am demanding that this account is removed from my credit report and all points low because of it be restored to my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: Nelnet, Inc.
State: FL

Complaint narrative:
I dispute XXXX  of XXXX/Nelnet account for payment history. The payment history is incorrect for XXXX of XXXX/Nelnet account. I am requesting that this item is deleted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: MO

Complaint narrative:
On XX/XX/2019 I made a payment arrangement to double pay for vehicle on XX/XX/2019 with my account manager XXXX XXXX and explained to him that I wouldn't be able to make the payment of XXXX but I would be able to make the payment of XXXX which was due on XX/XX/2019 and he refused to take payment and stated I owed a payment of XXXX and we got into a dispute about the amount and asked to speak with a supervisor and never received a call back until I was woke up on XX/XX/2019 by the repo starting I owe 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 2019-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2019-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: United Collection Bureau, Inc.
State: VA

Complaint narrative:
They call my number and does not state who the debt is for. The company is XXXX. To collect a debt is for XXXX. I don't owe any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
In XXXX of 2018, I made arrangements to lower my student loan payment through Navient. They agreed that I could pay {$68.00} for a year and then have my payment reassessed. I paid them {$75.00} and waited for my next bill as instructed. The next month my bill was like {$250.00} dollars and they said no payment went through but my bank said it did. They refuse to honor the agreed upon payment of {$68.00}. Navient also calls obssessivly. They will call my cell phone 5 to 6 times a day and my land line at least 4. It is always a recording and reaching a deal person is difficult. Last time I tried calling I was in gold for 20 minutes and just hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
To whom it may concern, refer to complaint number XXXX same complaint. 
my husband mr. XXXX XXXX XXXX sr and mrs XXXX XXXX XXXX have joint bank accounts. 
essential checking. and goalsetter savings established in XXXX XXXX XXXX. 

I want to also duly note that my husband and I don't do online banking business..however we did utilize it in XXXX a few times and beginning of XXXX. after that we stopped. shut it down. fifth third admitted over phone brown over phone. 
XXXX XXXX fifth third XXXX XXXX. ( refer to complaint number above ). we never created any other bank accounts like commercial that was stated on paperwork ... ( with this alleged payee ( XXXX ). we don't have payee. ss administration knows this and we don't have power of attourney. we assume current property manager XXXX and XXXX  XXXX ( former property manager-XXXX XXXX  ) XXXX XXXX XXXX ( jobs 4 life ).  working together in identity theft ..bank embezzlement scandal. along with XXXX XXXX and XXXX XXXX of XXXX. there was also another bank account created XXXX XXXX   XXXX created. my husband and I did not create XXXX XXXX XXXX account. we had fifth third shut that down. we mentioned this to mr. XXXX at fifth third on XXXX ( he was from XXXX, ohio ). it is now closed. he stated to me and my husband that we were not getting our money back after we showed him increase information from last XXXX in XXXX XXXX. and we didn't have payee. he was also aware of bogus XXXX XXXX  XXXX account we never created. we believe mr XXXX last name stated with XXXX was part of embezzlement scandal. we have documentation to prove I am my own payee. maiden and married. ss administration stated on camera last female that we get our own monies.this was XXXX XXXX XX/XX/XXXX mentioned to us by phone by two ss admistration reps the increase in ss income.. those particular fifth third employees played role in embezzlement of our ss monies. duly note fifth third mentioned power of attourney. we never had power of attourney. so strongly assume XXXX XXXX another associate of fifth third mr XXXX were stating they were our power of attourney and payee. and miss XXXX said power of attourney. we never signed power of attourney or payee paperwork XXXX XXXX or XXXX XXXX of XXXX organization. as stated before in report up above .refer to that. miss XXXX XXXX made multiple copies of birth certificates, ss numbers, marriage licenses etc.. They illegally attached people to us via, XXXX, including XXXX XXXX ( who were illegally attached and they pretending to be us. they illegally had our ss numbers. identity theft on XXXX illegally attached via featherfist XXXX XXXX and XXXX XXXX and XXXX XXXX. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: TX

Complaint narrative:
I have sent 4 ACH revocation letters to the company.

XX/XX/19 - email with pdf of letter sent to XXXX  

XX/XX/19 - faxed letter to XXXX

XX/XX/19- mailed certified letter XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX (rcvd XX/XX/19)

XX/XX/19 - emailed once again the pdf letter of ACH revocationXX/XX/19 - XXXX withdrew $XXXX   from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: NC

Complaint narrative:
On XX/XX/XXXX I made payment to US Bank to satisfy my vehicle loan and resulted in a XXXX  balance. I have been trying for a week to get the Lien released so I can sell the vehicle. All payments have cleared the bank and they committed to me to have the lien released electronically within 24-48 hrs when I called on Wednesday the XXXX  of XXXX for an update. My state DMV uses an electronic title process and as soon as the bank clears it I can have it. I have received poor customer service and many of the staff I have talked to at the bank have given immaculate and misleading info. With my mom satisfied I feel like my personal property is being held hostage. They not only have my money from satisfying the loan but they have a lien so I cant do anything. Please help me resolve.

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 2019-01-15 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: TX

Complaint narrative:
On XX/XX/2018 .... I mailed identical hand-written disputes to be filed and addressed within the 30-day allotted time frame with all 3 credit bureaus and have yet to receive any update, nor any revised report reflecting the changes.

Consumer Rights according to the FCRA allow a 30 day review and if not timely responded, then the derogatory item disputed is removed from the consumer 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 explanation
Consumer complaint received 2019-01-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2018 .... I mailed identical hand-written disputes to be filed and addressed within the 30-day allotted time frame with all 3 credit bureaus and have yet to receive any update, nor any revised report reflecting the changes.

Consumer Rights according to the FCRA allow a 30 day review and if not timely responded, then the derogatory item disputed is removed from the consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I HAVE SUBMITTED COUNTLESS DOCUMENTS TO VERIFY MY IDENTITY AS WELL AS CONSTANTLY HAVING TO GO THROUGH A SEEMINGLY ENDLESS VERIFICATION PROCESS EVERY TIME I USE MY CARD. THEY KEEP LOCKING THE ACCOUNT AND THEN DEMANDING TO SEE ONLY MY DRIVERS LICENCE. I HAVE EXPLAINED NUMEROUS TIMES I DO NOT FEEL COMFORTABLE WITH SENDING THAT AS I HAVE ALREADY HAD MY IDENTITY STOLEN ONCE. THEY THEN TELL ME ITS THE ONLY WAY THEY WILL VERIFY ME AND THAT MY ACCOUNT WILL STAY LOCKED UNTIL I SEND THEM MY LICENCE AND ONLY THEN. THEY STILL REQUIRE ME TO PAY ALL FEES AND CHARGES ASSOCIATED BUT REFUSE ALL ACCESS TO MY OWN INFORMATION OR ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Keep trying to get on an income driven repayment plan. They put my loans in forbearance and I can't find where to apply. I've asked multiple times to send me the link. I get a link but then can't find where to apply. It's just a link of f.a.q.s

Company response to consumer: Closed with explanation