vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-28 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: KS

Complaint narrative:
In XXXX 2017 I contacted Transunion to dispute an account reported delinquent by XXXX XXXX. 

Following my online dispute, I had a follow-up conversation 10 days later via phone. I asked for their fax number as the original creditor XXXX XXXX agreed to fax a letter to TransUnion advising to correct their information and that I had no delinquent payments. 

Both myself and the original creditor have made several attempts over the last three months to get TransUnion to have my credit bureau reflect accurate information on my credit report. 

Despite our numerous attempts in all communication formats, TransUnion refuses to comply with the Fair Credit Reporting Act, that has had a direct economic impact on my ability to both get credit and the cost of obtaining credit. 

Attached is a copy for XXXX XXXX sent directly to TransUnion advising them that my account should not reflect any delinquency that should substantiate my claim of TransUnion negligence and merit both civil and criminal sanctions on Transunion in accordance with U.S. Code.

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 2017-10-28 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: Convergent Resources, Inc.
State: NC

Complaint narrative:
I checked my credit report in XXXX, XXXX, and found a collection account ( account number is XXXX ) that I was unaware of, as no notice had ever been sent. When I contacted the company, I asked on XXXX separate occasions for documentation supporting the amount they claimed was owed. ( I did not dispute the validity of the debt, just the amount. ) Both times I received a billing statement from the original creditor, XXXX, but never any itemized information, nor the original credit application. Finally, I agreed to pay the amount in full, if they would remove the item from my credit reports. They agreed, and in XXXX, XXXX, I paid the account balance in full and was told that the item would be removed from my credit report within XXXX business days. It is now almost XXXX, the collection account is still showing with all three credit reporting agencies, and I have disputed it multiple times with each agency, and it is still being reported as accurate. Recently, I wrote to each agency demanding documentation supporting this being on my file, pursuant to section 609 [ 15 U.S.C 1681g ], and it was treated by each as a dispute, with the documentation never provided. ( These are separate  complaints. ) I feel the company has both a legal and ethical obligation to remove this account from my files with all three credit reporting agencies. Their failure to do so will leave me no choice but to include them in future complaints to my State 's Attorney General concerning this, and other matters with the credit reporting agencies, should the CFPB fail to enforce the FCRA.

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 2017-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX customer service representative without my consent blocked my XXXX XXXX XXXX. I called into their customer service inquiring about a purchase on XXXX XXXX, XXXX {$94.00}. The CSR said she is going to block the card. I explained, I only have an inquiry please do not block the card for I have a balance on the card. I explained I need to purchase medicine. The CSR blocked the card anyway and now I have to wait 7 to 10 days for XXXX XXXX XXXX XXXX to send another card. The money to purchase medicine was loaded on the card the CSR blocked and now I will have to wait 7 to 10 days to buy medicine. I am a 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 2017-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
reported : XXXX XXXX damaged credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
reported XXXX XXXX, XXXX XXXX : XXXX damaged credit not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, I attempted to purchase concert tickets to a XXXX XXXX concert in XXXX, Texas on XXXX/XXXX/XXXX @ XXXX PM. I responded to an ad on XXXX as someone was selling their tickets at face value. I was communicating with the person via text and they stated that they would send the concert tickets, once I sent a qp ( qualified payment ) via XXXX. I was immediately suspicious and called XXXX XXXX XXXX ( XXXX ). I asked if I would be protected if I never received my concert tickets. The XXXX rep stated that I had two hours to cancel the transaction, so I thought I was protected. I sent {$240.00} electronically to the seller who had a Wells Fargo Account. I transferred the money using XXXX, which was recommended by the seller. Once the money was sent over, the seller stopped all communication with me, and the tickets were NEVER sent. I immediately called XXXX back and was told the seller picked up the funds and there was no way for me to cancel the transaction. 

I opened up case # : XXXX with XXXX ; however, I was horrified to learn the that Wells Fargo would need permission from the seller to take back the money, that was stolen from 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 non-monetary relief
Consumer complaint received 2017-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX, 2017 I went into Best Buy and asked an employee about financing a product. He told me that he would need my ID to see if I would qualify and explicitly stated that this would not cause any sort of hard inquiry on my credit report. Now I 've checked my report recently and I see an inquiry from CBNA/BBY - " Citibank North America/Best Buy ''. I would like to have the inquiry removed as I only consented to seeing if I would be approved under the conditions that the employee told me - that I would not see a hard credit inquiry.

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 2017-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and and suffering financial hardship because Chase Bank has frozen my account making it difficult for my to pay for necessities. I believe they did it because I was the victim of a scam. I was sent a check from someone who said he wanted to work with me on a project. I later learned he was a scammer and that the Check he sent me was bad. I had no involvement or knowledge that it was a scam. The bank has not resolved this timely and has frozen the account and is holding about XXXX. 

Please assist me with this matter as soon as possible. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 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: Professional Recovery Management
State: FL

Complaint narrative:
In XXXX 2010, I MOVED to XXXX. I left the state of XXXX, XXXX XXXX and XXXX XXXX XXXX is collecting on unauthorized electric bill charges to a residential address that the bill was paid in full upon my departure from the state of XXXX. XXXX XXXX is wrongly collecting & reporting & refusing to remove debts and old account information almost seven ( 7 ) years ago and not owed from old creditor files and information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank {$30000.00} SECURED CREDIT CARD. A this SECURED credit account was closed PRIOR to the secured amount. US Bank continued to keep the credit card account open and USBank charged late charges over limit charges and reported false and inaccurate information - then charging off an account that was and had been closed prior to the secured card limit

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 2017-10-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i already submit a complaint description, the complain ID are XXXX in this second complaint description, i try attached more image evidence to helping your investigations easier. 

" on XXXX 2017, I have received a check and a statement that was I been hired, and they want me to deposit the check. and the next morning, the check has been successfully deposited on my account, then my employer wants me withdrawn the money from the chase to purchase the equipment stuff when I spent about XXXX $ through the XXXX. I immediately check my bank account, then the bank said the check ca n't be verified. I ca n't believe the XXXX XXXX chase bank made this kind of mistakes. 

First, the bank shows my check has been deposited successfully, no any warning messages have been sent to my email or message. 

Second, after i sending out the money by XXXX, then the Chase deny the check that was successfully deposited. 

third. if Chase can carefully verified the fake check in the first place, then I wo n't believed them and sending the money 2 times first time : XXXX $ second time : XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
The whole crux of the matter is this : I was charged fees for something that should not have incurred fees. I believe in being responsible for my actions, but it goes both ways. The bank is to be held responsible as well. I was " tricked '' into thinking that my payment was made, when the bank actually had n't. 

On XXXX,XX/XX/XXXX, I deposited {$27.00} in cash into my checking account via ATM. I setup up my credit card payment ( XXXX XXXX ) to be paid the following day. It is understood that these payments take a few days to process. 

On XXXX morning (XX/XX/XXXX), I logged into my account and noticed the fee had not been taken out yet. On XXXX afternoon, I logged in, and noticed that the {$27.00} WAS NOT IN MY ACCOUNT ANY LONGER. 

At this point, I proceed to make a few small overdrafts at or under {$5.00} using my debit card, as is allowed per my overdraft choices. 

On the afternoon of XXXX,XX/XX/XXXX, I went to the ATM to deposit {$14.00}, the amount needed to bring my account over zero within the time allowed. When I looked at my receipt, I saw to my amazement that a XXXX overdraft fee was charged on XXXX  for my payment! 

I deposited the money. I setup the payment. The payment was removed. How could I be charged a fee? 

On the late afternoon of XXXX, XXXX XXXX, I put a message into the bank 's secure message center online. On XXXX,XX/XX/XXXX, I logged in to see that not only had they not responded to my message yet, but ANOTHER FEE WAS ADDED. This {$30.00} fee is for an extended overdraft situation. 
I sent an additional message about this fee. They refused to respond, for whatever reason. 

I finally called in on XXXX, XX/XX/XXXX. I spoke to a customer service representative who listened to my situation, which was an abbreviated version of the first five paragraphs above. She finally agreed to remove the first fee. I protested, because the fees were related. But for the fact I was charged the first fee, I would not have had the second fee tacked on later. I asked to be put through to speak to someone higher up. 

The supervisor/manager was very knowledgeable and professional, and made an extremely detailed explanation of the posting order of transactions. I re-explained my situation. She finally said that they only do one courtesy fee removal a year. I responded that I see both fees as bank errors, and not courtesies. I even counter-offered with them removing one as a bank error, and the other as a courtesy. She declined on behalf of Citizen 's Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Since XXXX I have gotten harassing letters and phone calls from Wells Fargo bank about a loan taken out by a woman named XXXX XXXX, it is a car loan. I have contacted the bank at least a dozen times over the past 4 years, and every time I was told it was the last. In XXXX I was called again, since I am on the do not call registry Wells Fargo was forced to pay me {$1500.00}. You would have thought that this would have made them learn their lesson, well you would be wrong. Last night on XX/XX/XXXX a process server came to the apartment building I live in saying he had papers to serve to XXXX XXXX. When I told him I did n't know her and would not take the papers to give to her he became abusive and called me a XXXX XXXX. He said the papers where about an auto loan and I had better pay the loan or I would get in trouble. This is the last straw, I demand that someone at Wells Fargo be arrested and that they pay me at least {$5000.00} for their crimes and harassment, I suggest that XXXX XXXX XXXX, their research and remediation manager be arrested as he is the last person I dealt with and was the one who paid me the {$1500.00}, he also said this would be the last I would hear from Wells Fargo and LIED ...

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 2017-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I purchased a XXXX from XXXX XXXX, in Florida, on XXXX XXXX XXXX. I informed them I would finance it through XXXX. I specifically called Equifax to remove a freeze so XXXX could do a credit inquiry. I subsequently noticed 3 credit inquiries, two for XXXX and one for XXXX XXXX. Also, XXXX shows an inquiry for XXXX and one for XXXX XXXX. 

I called XXXX XXXX to inquire as to why there was a credit inquiry from XXXX XXXX when I told them I 'd finance through XXXX. I was promised a return call. I waited a week and tried again. Same result. I submitted a " talk to the GM '' to XXXX XXXX management through their website, which promised a response within a day. No reply. I tried again, no reply. I called again, now in XXXX, and spoke to the finance manager, and she said she could n't help since it was more than 30 days. I requested the issue be brought to the attention of her management and she reluctantly agreed. I still have not heard anything and it has been 6 weeks since that discussion. 

I did not request, nor authorize financing or inquiries from XXXX XXXX and would like that inquiry removed. I also dont fully understand why XXXX needs to do two credit inquiries for 1 sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
on XX/XX/XXXX I received my XXXX credit card statement on my computer, I live in XXXX  Calif and there was a charge on it for XXXX made in XXXX Calif.. I called my police department thinking that when I got gas the pump was rigged .. Tehn I looked at my staement and this charge was made 4 days before my gas charge.. So I called XXXX to complain about this charge.. My husbanmd was the main card holder on this account and he passed in XX/XX/XXXX.. They said since I was n't they main card holder I could n't handle this and I would n't be responsible for this charge.. I said I want this cleared up.. My husband and I do hold community property they could attach and besides we always paid our bills.. We were married for XXXX yrs..I made 5 phone calls in total to the bank..Was told to talk to the fraud department. Another phone call was told to talk to the probate department. Talking to them I found out my bill had been turned over to collections on XX/XX/XXXX.. All this time I am making phone calls getting no where... I called XXXX XXXX XXXX XXXX. At that time I was told they had no info on the file except for talking to me now..So they were going to return the file to Synchrony Bank.. I should wait 3 months before I call the bank. Well I did n't wait and in frustration I paid them the charge.. I feel totally ripped off and very angry that they did nothing. My husbands name was 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 2017-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I 'm signed up for paperless billing because I 'm meticulous about paying my bills online and I hate the clutter of mail. So I was surprised when I received a bill for XXXX XXXX ( a furniture store ) stating I was 3 months past due for a monthly {$2.00} minimum charge fee and resulting late fees ( {$27.00} total ).
I recently paid our 24-month 0 % interest purchase ( 11/21/15 ) off ; and even overpaid {$75.00} because I did n't stop my $ XXXX monthly payment after making the final payment of {$1500.00} prior to the promotional balance ending ( X/XX/17 ).  XXXX XXXX refunded me my {$75.00} additional payment and my balance was {$0.00}. I subsequently, removed this creditor from my list of bills to pay.
I accept the fact that i did n't read the fine print because I would 've canceled the card after paying it off. But I 'm unable to locate the terms of service and the company is intentionally being opaque with providing the information on their website. I 've spent about 30 minutes looking for the terms of service and I continuously am directed to contact their customer service center. Why was I not charged a minimum fee in XX/XX/XXXX when I had a balance of - {$75.00}? Also, why have they waited 90 days for them to stop my paperless billing and send me a notification. It feels predatory to wait until my account is that past due to notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 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: AES/PHEAA
State: FL

Complaint narrative:
Fed Loan Servicing is currently reporting that I have two loans in collections with a XXXX balance. I contacted the company on X/XX/17 and  was advised that since the loan is no longer handled by them I need to go to the website and print off a credit dispute form and mail it in. The form was sent to them and I received a response from them stating that the balance of the collection accounts are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I purchased a XXXX from XXXX XXXX, in Florida, on XXXX XXXX  2017. I informed them I would finance it through XXXX. I specifically called XXXX to remove a freeze so XXXX could do a credit inquiry. I subsequently noticed XXXX credit inquiries, XXXX for XXXX and XXXX for XXXX XXXX. Also, Transunion shows an inquiry for XXXX and XXXX  for XXXX XXXX.
I called XXXX XXXX to inquire as to why there was a credit inquiry from XXXX XXXX when I told them I 'd finance through XXXX. I was promised a return call. I waited a week and tried again. Same result. I submitted a " talk to the XXXX '' to XXXX XXXX  management through their website, which promised a response within a day. No reply. I tried again, no reply. I called again, now in XX/XX/XXXX, and spoke to the finance manager, and she said she could n't help since it was more than 30 days. I requested the issue be brought to the attention of her management and she reluctantly agreed. I still have not heard anything and it has been 6 weeks since that discussion.
I did not request, nor authorize financing or inquiries from XXXX XXXX and would like that inquiry removed. I also dont fully understand why XXXX needs to do XXXX credit inquiries for 1 sale.

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