vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
LOOKING OVER my credit report and I SEE it has addresses that I never live at on my Credit report. I am requesting that you promptly update and delete addresses that I never resided. Please see the attached copy of my utility bill for your reference. Please update my current information to reflect THE CORRECT INFORMATION XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX PLEASE REMOVE THE FOLLOWING ADDRESSES FROM ALL OF MY CREDIT XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX CT, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX MODEL, XXXX XXXX AZ 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 non-monetary relief
Consumer complaint received 2017-10-13 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:
On XXXX XXXX, XXXX I contacted Experian regarding several medical collection accounts by XXXX XXXX XXXX appearing in my credit file. I have requested that Experian disclose to me all of the documents that they have recorded and retained in their file verifying that these collection accounts belong to me. On XXXX XXXX, XXXX I contacted Experian again requesting the same information and asked for the names of the representative they spoke with to verify this information. On XXXX XXXX, XXXX I mailed Experian proof that there is know way they verified this information, due to the fact that XXXX XXXX has no record of these accounts. On XXXX XXXX, XXXX I received a letter from Experian stating they are still investigating my dispute. But they had already sent 2 letters stating this information had been verified, so all they have to do is look in their records and advise who they contacted and send me the information. Experian has had since May to verify this information and send me the documentation. Now today I check my credit score with no changes my score has dropped XXXX points. I am working hard to clean up my credit, pay accounts on time in order to purchase a home for my family. If you look at my credit file you will notice payments on time, utilization is down. Then for Experian to drop my score because of these unverified medical collections is unfair and unethical.

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 2017-10-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I have actually tried working with this mortgage company for almost XXXX years now ( as have many others ), I have filed for loan modification which was a waste of time and effort and resulted in several more months of additional reasons of non-acceptance of paperwork, which is very hard for me to do, and thousands of dollars more owed as they would accept no payments or funds from us but kept adding not only paymrnts, but fees, insurances and other amounts as they like. 

But on to the next chapter and questions as I am done fighting that which is like hitting your head against a brick wall, they have is a reason for everyhing, regardless of if it makes any sense or not and I am not well enough to keep this up. 

What I need to know and can not get answered is this question, again of which the answer may involve many thousands of dollars. I can not get an answer. I do not think ghe wuestion is difficult but it is extremly important to have the correct answer before we proceed. Specific question follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I had XX/XX/XXXX unauthorized ATM withdraws in the amount of {$280.00}. 
XXXX was at XXXX XXXX XXXX XXXX, in the city of XXXX XXXXXXXX . 
Another was at XXXX XXXX XXXX XXXX, in the city of XXXX XXXX 
I contacted my bank, which is Citibank, ( on that same day ) and advised that there were XXXX unauthorized withdraws. 
. 
I made a claim, and was given a claim number. XXXX. 
I received a letter dated XX/XX/XXXX ; which stated that reimbursement had been denied. 
. 
I appealed, submitted a police report, store receipts, and a brief description of my whereabouts on that day. 
Received another claim number XXXX. 
I received a letter dated XX/XX/XXXX ; which again stated, that reimbursement had been denied. 
. 
Both letters were identical as to the reason for denial ; Yet, there were no facts or evidence to support the denial for reimbursement. Only assumption. 
. 
Again I contacted Citibank to appeal. I was told to submit a letter stating why I should be reimbursed. I faxed a letter, and receipt of letter was confirmed by Citibank. 
The confirmed date of receipt is XX/XX/XXXX. 
I am still waiting for a response. 
Every time I call the number on the rejection letter ( XXXX ), I speak to a customer service representative in the XXXX. 
I am never given a solid answer ; Always an excuse, such as : " the investigation is ongoing, '' " I do not have answer, '' " you can not speak to the person handling your claim, '' etc. etc. 
So i am reaching out to you, at Consumerfinance.gov., to assist me with reimbursement. 
I have attached plenty of documentation to support my claim. 
Please help me with reimbursement ; And furthermore, help put a stop to this " runaround '' that Citibank i putting me thru.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Risecredit, LLC
State: UT

Complaint narrative:
I 'm putting this in writing so that it is on the record to go with the complaint the I have filed with the Consumer Financial Protection Bureau and the XXXX XXXX XXXX. I called the toll free number and spoke with some in your office, stated that I want my account closed and all information that I provided digitally shredded. I was told by your employee that they could not do this, that it was against the Fair Credit Act to do so. This is not true. So I have filed a complaint with the above agencies and I may also file a legal complaint in Federal court. I do not trust your company with my data and with all the data breaches there have been, for have information that there is no reason for you to still have as I will never do business with your company. Also make sure that I 'm put on the DO NOT CALL, MAIL, or EMAIL list. You need to digitally shred my banking information as you DO NOT have any legal right to have this information. Also you are put on notice that if ANY breach is made at a later date, that you will be fully responsible for anything from this breach. And that you will be liable both civilly and criminally, as you choice to keep this information. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase XXXX Account Number : XXXX XXXX XXXX XXXX OnXX/XX/XXXX, I booked a hotel room at the XXXX XXXX XXXX on my XXXX card number XXXX XXXX XXXX XXXX. The payment amount was {$250.00} for a two night stay, with check in XX/XX/XXXX, and check out XX/XX/XXXX. This is documented in Exhibit A. 

I received a voucher reference number XXXX, which confirmed the hotel reservation details. I was advised that I would need to present this voucher and identification at the time of hotel check in. The voucher is documented in Exhibit B. 

On XX/XX/XXXX, I checked in to the XXXX XXXX XXXX hotel, and presented my voucher and identification to the receptionist. The receptionist requested that I pay a Resort Fee of {$74.00} for the two night stay, and stated that the Resort Fee was required to cover use of swimming pool, car parking facilities and internet. I advised the receptionist that I would not be using the swimming pool, and that both car parking facilities and internet were advertised as being free. 
The receptionist then advised that the Resort Fee was a mandatory requirement, so I reluctantly paid the {$74.00} Resort Fee, which is documented in Exhibit C. 

On XX/XX/XXXX, I telephoned Chase XXXX on XXXX, and advised them of the series of events, as described above. I requested that they refund the {$74.00} Resort Fee, as this had not been disclosed to me at the time of booking. I explained that I had been forced to pay this in order to occupy the hotel room. 
Chase XXXX advised that they would issue a temporary {$74.00} credit to my account while they investigated the dispute. Chase XXXX advised that they would inform me of their decision within 30 days. 

I received a letter from Chase XXXX, dated XX/XX/XXXX, advising that they had removed the temporary {$74.00} credit, and that the disputed amount would appear on next billing statement. The letter is documented in Exhibit D. 
The merchant documentation referenced in the letter is documented in Exhibit E. It would appear that the merchant documentation supplied was issued in error, as it is written in a foreign language, and makes reference to a {$1000.00} amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I called Wells Fargo Bank customer service yesterday to request information about my personal line of credit ending in XXXX but I noticed that I have an OVERLIMIT amount due now for XXXX so they do n't allow me to pay less than XXXX This Included XXXX OVERLIMIT plus XXXX of minimum payment which gives a total of XXXX. This called " over limit '' is unfair, abusive practice that this bank usually use in most of their accounts. the names they use for this practice are : called OVERLIMIT Amount or OVERDRAFT. Also, I tried to complain about this issue, but they did n't leave me do it, claiming that this are part of their " normal banking policies. '' For this reason, I am writing this complaint against wells Fargo Bank because they must stop this illegal practice and I request to cancel this unfair charge, so I could proceed to pay the amount of XXXX due
on XX/XX/XXXX, 2017.
Thank you for your attention Sincerely, 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 2017-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanHero, Inc
State: LA

Complaint narrative:
I have constantly Informed this company that I do not want are need this loan I did not sign are agree to anything and they do not want to remove my information from there records. 
I have email this company serval times letting them know that I did not want this loan and that I did not sign anything they keep charging me and now are reporting inaccurate information to my credit bueral. I did n't give anyone permission to use my information are sign my name.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I 've tried numerous of times over the coarse of 2 months to alert The Collection agency EOS CCA that ive paid the balances that i owed them with a settlement amount that closes the debt. They keep reporting to XXXX and XXXX as a open degeragorty which is extreemly hurting my score. They keep saying they are gon na fix it but they have n't fixed anything as they promised. I 've been denied credit because of this open degeragorty. They are reporting it wrong..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
FILED MORE THAN FOUR DISPUTES WITH EXPERIAN ON XXXX/XXXX/XXXX RECEIVED MY 4TH REPORT NUMBER # XXXX AND EXPERIAN SPECIAL SERVICES PUT MY ACCOUNT XXXX INTO DISPUTE FOR THE 4TH TIME REPRESENTATIVE SAID MY DOCUMENTS WERE NOT SUFFICIENT, THIS DISPUTE IS A CHATER 7 FILING WHICH I NEVER FILED BANKRUPTCY I HAVE NO ACCOUNTS ON MY FILE IN BANKRUPTCY RECEIVED A LETTER FROM FEDERAL BANKRUPTCY COURT TO REMOVE THIS DISPUTE EXPERIAN SPECIAL SERVICES USES A THIRD PARTY VENDOR TO VERIFY THERE PUBLIC RECORD 'S WHICH IS XXXX XXXX I CALLED THEM THEY HAD NO INFORMATION, FILED A POLICE REPORT AND FOLLOWED ALL THE GUIDE LINE 'S ACCORDING FCRA, FILED A IDENITY THEFT REPORT WITH FEDERAL TRADE COMMISSION AND EXPERIAN WILL ONLY RE DISPUTE MY MY CLAIM..

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 2017-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX all are store cards that I applied for and then Got approved for credit limits online. I 've used XXXX inside the store aswell as XXXX XXXX XXXX XXXX. One day ( I ca n't remember ) as I was online shopping for stuff with my wife. I could n't check out using The XXXX card. So I called and the number directed me to commenity Bank. The commenity Bank represnative told me that they needed some additional verification from me in order to unblocked the account. They need a copy of my drivers license front and back, social security card front and back and bank statement front and back. I 've sent them copy of all the required documents that they asked for. So after 1 week has passed by, I decided to give commenity Bank a call to check on those documents. They said they have them and they are being reviewed. About 2 hours later, I received a Alert from XXXX ( Which was the same day on XX/XX/XXXX ) saying that Commenity bank pulled my credit report. So I them called commenity Bank and asked them what 's that all About. They said that My accounts were closing. So I said for what?? The represenative said for fraud?? I said for fraud, That 's impossible. I just got these cards and all I 'm trying to do is build my credit up. She said hold on I 'm gon na transfer u to a supervisor. I speak to a supervisor and she said that My accounts are closing because my documents did n't pass the verification..I said how is that possible?? When I sent everything that u asked for that was valid. ( XXXX STATEMENT, DRIVERS LICENSE AND SOCIAL SECURITY CARD ALL OF WHICH WERE FROM AND BACK ). She was very rude and disrespectful during the conversation. So today, which is XX/XX/XXXX, I  received a letter from commenity Bank for a entire different reason for closing my accounts. The letter said that they closed the accounts for security concerns..How is that possible and why would they even close my accounts to begin with. I have a fraud alert on all my credit files which states that any creditor is directed to contact me if anyone is trying to get cards or loans in my name and I seen when they pulled my credit report..They did wrong and foul for no apparent reason at all and I know it 's discrimination. They had no reason to close any of my accounts..They have hurt my credit score so bad with this move that they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: CA

Complaint narrative:
I requested investigation for the inquiries on my credit report TRANSUNION stated that Im at fault that they can not do anything for me. They refuse to investigate according to FCRA anything incorrect on your report must be investigated. TRANSUNION all they can tell me is that contact the creditor which Ive already done and got no respond.

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 2017-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I opened a new account with XXXX approx 3 weeks ago. On XX/XX/XXXX, I deposited a check for {$1000.00} into the new account, which was the majority of the funds in my old account. The following day, I decided to go ahead and write a check for the remaining balance in my old account and deposited it to my new ST account, for approx {$160.00}. The following week, the {$1000.00} cleared my old account but was placed on hold with ST. Days passed and it was still on hold. At that point, I had several automatic bill payments come out of my old bank account. I did not switch these auto pays to my new account because the funds still were not available and I did n't want my new account to become overdrawn. I also could n't cancel the autopays because payments were due and pending. So, when ST went to collect my 2nd deposit of approx {$160.00}, the check was returned NSF. As a result , ST froze my account and put it under investigation, restricting me access to any of my funds. I now have no money in my old account and ca n't access any money in my new account. This has been the case since about XX/XX/XXXX or XX/XX/XXXX. No one at SunTrust will tell me what is going on or when I can access my funds. They wo n't even tell me anything I can do to help. I have n't had any funds since XX/XX/XXXX when my check cleared the old account and was placed on hold with SunTrust. Any direct deposits into ST are instantly unavailable to me. I do n't even know my account balance. Meanwhile, my old account continues to be overdrawn and accumulate overdraft fees because I ca n't withdraw my money from SunTrust in order to bring the account to positive. I ca n't pay rent, but food, gas or dog food. They wo n't tell me what is going on or when I 'll have any of my money. I do n't know what to do. I did n't even get notification of an extended hold on my XX/XX/XXXX deposit until I received the notice in the mail on XX/XX/XXXX, 6 days after the deposit. The letter even states that I was not notified of the hold at the time of deposit. They are holding my money XXXX and now I 'm suffering because of it. By the end, I 'll probably have all my funds depleted due to the massive amount of overdraft fees being charged to my old account because I have no way to rectify it. Please help 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 monetary relief
Consumer complaint received 2017-10-13 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: GA

Complaint narrative:
What I find disturbing is that equifax put my personal information security at risk back in XXXX XXXX when I first began challenging fraudulent accounts on my credit report ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and I wasnt notified until last month when it made the news. Since XXXX I have been challenging equifax however they continue to ignore my requests of validation however what they continue to say is we call to match up name, address, and SSN. Thats it. Merely calling to match up numbers doesnt prove that an account it valid. It is clear that equifax continues to allow their vendors to place false trade lines on poor consumers, like me, credit reports thus destroying my credit worthiness thus making it harder for me to get credit. Ive gone back and forth with equifax trying to resolve this issue however they refuse to follow the guidelines set forth via the FCRA. It now seems as if they KNOWINGLY ignore consumers rights. Equifax breech has compromised my name, address, and SSN YET this is the SAME EXACT information someone needs to place their tradeline on my credit. The same information that was leaked is the SAME information someone needs to place something on my credit which is also THE SAME information you call and verify instead actually providing documented validated proof. I dont understand how you leak my information yet continue to compromise it by allowing fraudulent unverified accounts to remain on my credit. At this point I am ready and willing to seek legal representation in order to protect myself from equifax and their practices if after 15 days these two accounts remain on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX ie XXXX XXXX was closed by the us govt die to illegal things now on one acct the credit builder act they called it to help increase my score has reported to XXXX and reduced my score by 120 points immediately after not at all fair warning closing of my acct after missing two payments of 22 mo to pay into the Acct and the loan WAS a CD ACCT AT {$1000.00}

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