vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I have five Blue Serve cards with American Express Serve. These cards have the option to load funds from a debit card or credit card on their website. I have previously used the option to fund via credit card without a problem, but I ran into issues when I linked my debit card to load funds. 

Earlier this month ( XXXX ) I received an e-mail that a scheduled load to one of my Serve cards was unsuccessful. I then discovered that I was unable to sign on to the Serve website for any of my five cards. It told me my password was incorrect, but I was certain that I was entering the right password. Attempting to reset my password online was unsuccessful - I kept getting strange error messages about the session timing out or " something went wrong, try again. '' I called a few days later and was told that the issue was not with my password, but that my accounts were all locked because they needed to verify my new debit card belonged to me, even though I had gone through the online verification process when I added the debit card. The rep stated that they needed to conference in my credit union to verify my information. After doing that, I was told all of my accounts were now unlocked. However, after getting off the phone, I found that only two of my five accounts had actually been unlocked. 

I called back the next day ( XX/XX/XXXX ) and the rep was able to unlock the other three accounts. However, when I attempted to load to one of my Serve cards from my debit card the next day ( XX/XX/XXXX ) I received an error message, and then found that all five of  my Serve accounts were locked out again. I called the following day ( XX/XX/XXXX ) and the rep was able to unlock my accounts again, but as soon as I tried to load from my debit card, they were all locked out again. 

As of today ( XX/XX/XXXX ), they are still locked - I don't have the time or patience to spend any more time on the phone to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have recently been trying to obtain a consolidation loan. I have repeatedly been denied and when I check the reasons for my denial, the responses include : Serious delinquency and too few accounts currently paid as agreed. These are false statements because I have an exceptional payment record according to my actual credit reports that I have sent for, as well as credit monitoring on XXXX XXXX and XXXX XXXX. I have repeatedly called all three credit bureaus asking why they keep giving these responses to the lenders I apply to but they have no answer to give me. I realize my credit score is not yet at 700, but it is not because of serious delinquency or too few accounts paid as agreed. These are most definitely false statements. I will agree that my proportion of balances to credit limits on bank/national revolving accounts is too high, however that is why I am applying for a consolidation loan. In addition, the credit report states that the proportion of loan balances to loan amounts is too high. This is also untrue as my XXXX loan has gone down from {$7000.00} to {$4500.00}. I am currently paying on a car loan, however the balance has taken a long time to move because I had to pay for GAP insurance coverage first before I could start paying on the principal. I feel these false statements are very unfair and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: OR

Complaint narrative:
Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was turned over to XXXX XXXX in XXXX of XXXX the payment where made on time by them but XXXX XXXX continued to show late for XXXX, XXXX, XXXX and XX/XX/XXXX XX/XX/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 2018-11-27 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: OR

Complaint narrative:
Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was turned over to XXXX XXXX in XXXX of XXXX the payment where made on time by them but XXXX XXXX continued to show late for XXXX, XXXX, XXXX and XX/XX/XXXX XX/XX/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 2018-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IN

Complaint narrative:
I XXXX XXXX have a collection placed on my credit report with Hunter Warfield Inc a debt collection agency located in XXXX FL. I have never opened an account with this corporation and they have failed to provide me with the proof of debt. It was placed on my credit report on XX/XX/XXXX for the amount of {$2400.00}. I have been hindered in opening credit lines in purchasing a new vehicle because of this negative information reporting on my credit report. I am including tracking numbers that proves Hunter Warfield Inc has received my dispute via USPS. # XXXX this letter was delivered to Hunter Warfield Inc on  XX/XX/XXXX. It has been more than 30 days and they have failed to respond. I am demanding this account be removed due to lack of validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from Santander Bank I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to Santander to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was. 

Santander LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX. 

Upon closing the account out Santander changed the status of my account to no " more than 30 days late '' after I had to file a dispute with XXXX, XXXX and XXXX to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due! 

How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
My husband and I leased a XXXX and returned the XXXX back to the dealer in a timely fashion in 2018. Ally provided financing for the XXXX. Throughout the course of the three-year lease, we were never so much as a day late with any payment. On XX/XX/2018, we wrote to Ally and disputed certain charges they alleged, including for excess wear and tear following the return of the XXXX. We understand that Ally claims we owe about {$600.00}. Although we sent via certified mail to Ally a cease and desist letter, it continues to contact us several times a day including at our places of employment. Ally further continues to contact our family members as well as individuals who are not related to us. If Ally wishes to file a small claims suit against us, I'd be happy to defend the same and provide the court with copies of the documents and photos we have. However, we want the harassment to stop. We request your assistance in this regard. The company harassing us is : Ally, XXXX. XXXX XXXX, XXXX, MN, XXXX. Telephone number 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 2018-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have an account at Wells Fargo Bank that is a part of the merger to XXXX XXXX XXXX and Wells Fargo took it upon themselves back in XXXX of 2018 to keep all my accounts at Wells Fargo and is not allowing to go with the merger. I contacted Wells Fargo numerous times about having my one eligible account merged to XXXX XXXX and have had nothing but run around. They refuse to let me speak with upper management. The merger is complete on XX/XX/2018 and I have yet recieved my welcome kit and new debit card from XXXX 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 2018-11-27 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Today, XX/XX/2018, Chase Card Services put a hard inquiry on my credit report for a credit card. I didn't apply for a credit card today. Their information is : Chase Card XXXX. XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On or about XX/XX/2018 a dispute was placed with the credit bureau because Chasebank claimed I was over the balance ( XXXX ) being {$44.00} over. This caused my FICO score to drop by 2 percent. I reviewed my statement to find that XXXX had charged me in error {$14.00} x3. I called XXXX and found the agent made false and misleading statements to combine a regular email to my student email account which, XXXX fixed and credited to Chase but, was unable to credit my FICO score advising to speak with Chase to make correction. I called Chase they advised unable to correct issue but they did not know how to do this. I also found fraud charges XXXX XXXX for {$90.00}, {$36.00}, {$38.00}, {$15.00}, {$60.00}. I was advised on the reporting date that I would take 7 to 10 days from the date of XX/XX/2018 for the provisional credit to post to my account. However, the credit posted on XX/XX/2018 for {$240.00} -The balance reflected the available amount of {$240.00}. I made purchase from the date of XXXX to XX/XX/XXXX of total of {$300.00}. I made a payment on XXXX and XX/XX/XXXX each for {$100.00} ( equal to {$200.00} ). This would have give me a total credit for XXXX XXXX ( + {$46.00} ),  XXXX ( + {$240.00}. ) My payment ( + {$200.00} ) = $ XXXX {$300.00} leaving a closing balance of {$180.00}. However, XXXX send the payment back to Chase which, Chasebank adjust all the provisional credit of {$240.00} instead of OFFSETTING the amount of {$240.00} XXXX sent to Chasebank the Fraud department called on XX/XX/2018 stating they were going to take the amount back. Now, Chase is showing that I am over $ XXXX.I spoke to XXXX-Manager- she validated the error but, refused to correct the fraud departments adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: VA

Complaint narrative:
I am trying desperately to get more information about the status of my XXXX Loan Forgiveness application, but XXXX continues to delay the process for an unexplained reason. They received my application on XX/XX/XXXX, and still have not made a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
FRADULENT CHARGES WERE MADE ON MY CREDIT CARD FOR MERCHANDISE I NEVER RECEIVED FROM AN OVERSEAS COMPANY IN XXXX. XX/XX/2017. BILLING TOTALS {$820.00}. THE CREDIT COMPANY WAS MADE AWARE OF THIS ISSUE AND WERE PROVIDED LETTERS, EMAILS AND DOCUMENTATION BY ME TO PROVE MY CASE, YET THE CREDIT CARD COMPANY HAS DONE NOTHING BUT HARASSED ME FOR PAYMENT ON MERCHANDISE I NEVER RECEIVED..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: IN

Complaint narrative:
I XXXX XXXX have a collection placed on my credit report with National Recovery Agency located in XXXX PA. I have never opened an account with this corporation and they have failed to provide me with a proof of debt. This negative information was placed on my credit report on XX/XX/2018 for the amount of {$540.00}. I have been hindered in opening credit lines purchasing a new vehicle because of this negative information on my credit report. I am including tracking numbers that proves National Recovery Agency has received my dispute via USPS # XXXX this dispute letter was received on XX/XX/2018. It has been more than 30 days and they have failed to respond. I am demanding this account be removed due to lack of validity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: INVESTORS BANK
State: NJ

Complaint narrative:
I took out a loan from XXXX XXXX for XXXX they deposited the money into an account They then issue a temporary check book for the Purpose of transferring monies from that account to my new checking account my payments were adjustable rate and were billed to me as accordingly related to the money I used during the loan then stopped my line of credit I continued to pay 15 years of payments and paid off the loan at the end of the original agreement was a pay-off of some XXXX I approached the bank manager to get the record of the amount of the original loan was used and where I was told the info was in an archive and it would cost me XXXXdollars per page to access this do this day I can't positively prove how much money I actually was able to use they send me a monthly bill requesting I pay the full XXXX balloon payment in full they recently taped a note to my front door stating I contact them witch I did repeating my request for disclosure of necessary info they said they would get back to me the next day it's been two weeks no info they have posted the loan on my credit report and added XXXX in fees these numbers never added up I have documents and other info pertaining to this loan also I have a XXXX file that's important I was unable to upload

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
This week, I have found SW Credit Systems reporting a collection on my credit report. The reports indicate that they were assigned the account on XX/XX/2018, and that it was reported to the credit bureaus on XX/XX/2018. There are two issues with this account - 1 ) I never received a notice in the mail about this debt. 
2 ) Even if I had received a notice, the timeframe between XXXX XXXX XXXX receiving the account and when it was reported would not have left enough time for me to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from XXXX XXXX I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to XXXX to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was. 

XXXX LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX. 

Upon closing the account out XXXX changed the status of my account to no " more than 30 days late '' after I had to file a dispute with XXXX, XXXX  and TransUnion to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due! 

How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.

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 2018-11-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from XXXX XXXX I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to XXXX to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was. 

XXXX LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX. 

Upon closing the account out XXXX changed the status of my account to no " more than 30 days late '' after I had to file a dispute with Equifax, XXXX and XXXX  to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due! 

How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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:
I sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from XXXX XXXX I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to XXXX to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was. 

XXXX LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX. 

Upon closing the account out XXXX changed the status of my account to no " more than 30 days late '' after I had to file a dispute with XXXX, Experian and XXXX  to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due! 

How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.

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