vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
On or aboutXX/XX/XXXX, I opened a CD account, with Valley National Bank. It has been a nightmare ever since it was open. On or around the month of XX/XX/XXXX, I lost my CD check, I ask for a replacement, it took two months for a replacement. The same day, I can in to do the paperwork, I ask to open a CD, I had over 500 , Ms XXXX states I did not have enough money to open one. Then another time I came to get the interest on my CD account the lady with the maroon hair that sat across from Ms.XXXX gave me a hard time. I threatened to call the XXXX office she processed the account even though they don't do anything. These incidents took place in the XXXX office on XXXX XXXX. I spoke to Ms. XXXX at the XXXX office no faster service. 

However, I decided to go to the XXXX XXXX office to get better service I had no problem with them until today, XX/XX/XXXX. I went there to get my interest, the so call XXXX, XXXX stated I should not be getting any interest the bank was just wavering the fee each month for me as a curtsey. I explained to her that was not true. She call the CD department and they told her I was getting the wrong code for the amount I was getting, I ask for the number, she stated they would not give my the number. Her professional behavior was horrible. I have one more month to go I can't wait I will be leaving this bank. Another incident I opened a {$500.00} Christmas club I only got XXXX for the year, but if not paid by time stated you are charged {$50.00}. I will never use this bank again and I will tell others about this matter. I feel since I am a minority this can take place.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: AZ

Complaint narrative:
I have sent up to 3 dispute letters to XXXX XXXX XXXX and they have refused to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. They continue to send me old billing statements which is not proper verification of the account. They continue to report this unverified account n my credit company and continue to call and harass 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 2019-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Ihavesent3disputeletterstobothXXXXXXXX,XXXX,Capitaloneand3creditbureausinregardstofailuretoverifymyaccount.TheyhavecontinuednottoprovidemecopyofANYoriginaldocumentation(aconsumercontractwithmysignatureonit)asrequiredunderSection609(a)(1)(A)&Section611(a)(1)(A).Furthermore,theyhavefailedtoprovidethemethodofverificationasrequiredunderSection611(a)(7).PleasebeadvisedthatunderSection611(5)(A)oftheFCRAyouarerequiredtopromptlyDELETEallinformationwhichcannotbeverified.Theycontinuetosendmetoaccountstatementswhichisnotaproperformofverificationofdebt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX is on my two other credit reports as charge off which is XXXX   and a Equifax. The only report that is correct is XXXX. This was my daughter cat and she was on the car as co-signer. I never had the car and have inform the other two companys Equifax and XXXX. They did a charge off because of what I said on the phone they had me and my daughter upside down in this loan. I never knew that my daughter was late until she told me on phone. When I talk with them they wasnt willing to do anything so my daughter told them to come get the car and car was sold with no money being old because the extra money that they had on the loan would have had us paying a lot more than the car was worth. Im so tied of dealing with fraud and other companies trying to take advantage. I would like it removed or state XXXX   balance on Equifax and XXXX report because it hurting me and this all happen due to someone fraudulent information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on a loan with the XXXX partial account number XXXX. This account has a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
After XXXX  school, I could not afford my student loan payments. Several times between XXXX and XXXX, I contacted my loan provider navient for relief. Despite informing them of my employment in public service as a XXXX XXXX, navient never informed me of income based repayment or forgiveness. Instead I was told forbearance was the only option. I was a single mother. My $ XXXX in loans have grown to over $ XXXX as a result of deferments that were presented to me as my only option. Despite having been employed as a XXXX XXXX for 14 years, and having made payments for over ten years, I still owe over $ XXXX in student loan debt. I cant even save for college for my XXXX children because I am still strapped with so much of my own student debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian keeps sending " unable to verify identity '' while trying to obtain a loan. 

unable to reach Experian agent to correct or investigation the issue.

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 2019-03-04 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: Credit Karma, LLC
State: NY

Complaint narrative:
XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
OnXX/XX/2019I called the lender to inquire about a miscellaneous charge for {$21.00} on my XX/XX/2019 statement. The due date is on the XXXX. I pay extra towards principal every month. The company does not offer a grace period. Payments not received on the XXXX are assessed a late fee that approximates the fee in question. 

I made 2 payments that were reported on the statement in question. First payment for {$250.00} was received by the lender on XX/XX/2019. Second payment for {$240.00} posted on XX/XX/2019. On XX/XX/2019 there is a miscellaneous charge that the lender could not justify. Said they will request an audit and it will take 4 business days. 

I am current on my bill and have been for the majority of the time that I've had this account. My payment is {$420.00} and I pay at least {$500.00} per month. 

This company is a predator and were I not diligent about reviewing my bills, they would have gotten away with assessing this charge against a customer who pays as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: AL

Complaint narrative:
Fraud inquiries on credit report Experian Also XXXX account that is inaccurate and not mine as well

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 2019-03-04 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: CA

Complaint narrative:
Experian credit reporting agency refuses to put my home loan history or the existence of it on my credit report. 
My home loan has been in existence since XX/XX/XXXX, and the loan was placed in my chapter XXXX bankruptcy and when it was satisfied in XX/XX/XXXX, they wiped it off my credit report after the 7 year requirement to erase it. The home mortgage loan still has continued on to this day. And they refuse to place back on my credit report. 
Im still making my payments monthly and have never been late. 
I need help to get my loan back on my credit 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 2019-03-04 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: LEXISNEXIS
State: OH

Complaint narrative:
I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX  XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Several accounts were opened with XXXX XXXX using my information and ID. Even though I have submitted documentation that these accounts ( XXXX XXXXXXXX, XXXX XXXX, XXXX Visa ) are fraudulent, XXXX XXXX   continues to contact me for payment. On a half dozen times each, theyve contacted my parents ( both at work and on their mobile numbers ), two of my brothers and they have contacted me at work five times even though I have told them to stop because I can not receive calls at work. They called twice today, XX/XX/XXXX. The first time I spoke to them, I told them never fi call me at work again. They said if I didnt, theyd garnish my wages even though that requires a court order. XXXX has been involved in countless lawsuits over this behavior, yet it continues. The second call of the day was a voicemail. And these accounts arent even mine!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ameritech Financial
State: FL

Complaint narrative:
I was under the impression that I was in a student loan forgiveness program. I paid {$120.00} ( XX/XX/XXXX ) and {$130.00} ( XX/XX/XXXX-XX/XX/XXXX ) to AmeriTech Finanicial ( paid to XXXX in bank statements ).

Company response to consumer: Untimely response
Consumer complaint received 2019-03-04 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: Northstar Location Services, LLC
State: TX

Complaint narrative:
I filed a complaint previously about the same scam from the same companies and I thought you had gotten it taken care of. 
I received a new letter in the mail today XX/XX/2019 wanting payment for something I know nothing about. 

Please get to the bottom of these fraudulent collectors and the fraudulent Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing this letter to help investigate why the three credit bureaus Transunion, XXXX, XXXX have ignored the certified and notarized letters I have sent on XX/XX/2018 to them to correct my personal information that they have on file. The only thing they did was send me a copy of my credit report but they did not update any of the information I asked for.

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 2019-03-04 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on a loan with the XXXX partial account number XXXX. This account has a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.

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 2019-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am trying to transfer funds ( specifically, {$10000.00} ) from my Wells Fargo account to an account in another bank ( in this case, XXXX XXXX ). I can not do this as Wells Fargo only offers options of ( 1 ) using XXXX to send money or ( 2 ) wire money or ( 3 ) send a paper check by defining the recipient as a payee. 
Option 1 ( XXXX ) does not work as I have my email associated with another account ( XXXX ). 
Option 2 ( wire ) costs {$30.00} Option 3 is inconvenient and outdated. I don't want to get a check as TD does not have branches and I won't be able to deposit is. I also want to keep all transactions digital. 

By designing the system to only transfer money using XXXX, it does 2 things : 1 - limits the amount to {$2500.00} which is not sufficient for many purposes 2- making it practically impossible to transfer money to other individuals ( e.g., family members ) or self at other banks. 

My money is now practically trapped at Wells Fargo, and it must be very convenient for them as they are making interest on my deposit and also limit their fraud risk by basically making it impossible to take money out of account, instead of building an up-to-date fraud prevention system. 

I'd like to see big banks forced to bring back the old ACH transfer system. 

Thanks 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 2019-03-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I received a bill for excess wear and use related to the end of a lease for a XXXX XXXX. The bill was dated XX/XX/2018. Upon review of the inspection report, I discovered significant damage to the rear bumper of the vehicle. There was no damage to the vehicle when it was returned and exchanged for a new XXXX XXXX. The salesperson XXXX XXXX XXXX XXXX took photos of the car when it was returned. Upon receipt of the inspection report and the bill, I contacted both Toyota Financial Services and the dealership. Both promised a review of the file and that they would get the photos from the salesperson to confirm there was no damage to the vehicle when it was returned. I emphasized to both parties -- especially since they insisted that I was at fault for not getting a pre-inspection prior to returning the vehicle -- that I was not told of the opportunity for pre-inspection until *after* I had exchanged the vehicle. Toyota Financial Services promised a call back from the escalations desk in XXXX hours. No call was received. Eventually, I received a revised bill which indicated that they had removed {$100.00} for " excessive stains '' on the seats. The {$460.00} charge for the bumper remained. Eventually, after being unable to contact anyone at XXXX or the dealership to resolve the issue, I paid the requested amount to prevent further collection action. I then spoke with a representative on XX/XX/18 who indicated I had been misadvised as how to handle a dispute and that I needed to write a letter to Customer Service XXXX XXXX. I did as directed and XXXX never replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: IL

Complaint narrative:
Equifax and XXXX are reporting me 120 days past due on XXXX, partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: NJ

Complaint narrative:
Todays Date XX/XX/2019 XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX XXXX DOB : XXXX/XXXX/XXXX I received a copy of my credit report, I found a two items on the report were inaccurate accounts. I sent a letter to the credit bureuas & the collection agency where this alleged debt was sold/transferred. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation