vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc.
State: WA

Complaint narrative:
XX/XX/XXXX - received an email saying my accounts fell below {$25.00}. Checked accounts and noticed my accounts were levied taking {$4700.00} and having them sent to debt collectors, XXXX XXXX. 

XX/XX/XXXX - Called XXXX XXXX telling them that I was never sent any paperwork before they emptied my bank account. I also never received a call from them informing me of my debt. 

XX/XX/XXXX - received paperwork that informed me of said debt of {$8800.00}. Only after they levied my bank. 

XX/XX/XXXX - I called XXXX XXXX and had let them know that I would continue to pay my remaining debt through my wages at work. 

Since then I have not heard from them at all. 

XX/XX/XXXX - get a missed call from XXXX XXXX. I call back and they confirmed my name, but needed to confirm my date of birth. I told them I want paperwork first before continuing the conversation. They said okay we will block your number have a good day. They did not even confirm they were going to send me anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: GA

Complaint narrative:
I set up an account with credit check total and there are some address on there that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA 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 2019-02-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I set up an account with XXXX XXXX XXXX and there are some address on there that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am requesting the removal of all Fraud alerts from my Credit Reports. I would also like the removal of the following addresses from my profile they are not accurate : XXXX XXXX XXXX XXXX, OH XXXX, XXXX P.O. BOX XXXX, XXXX, WV XXXX MY CURRENT PERSONAL BUSINESS ADDRESS IS : XXXX XXXX XXXX XXXX XXXX ARG, XXXX, OH 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 2019-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On Tuesday, XX/XX/XXXX the CHASE mobile app reflected an available balance of {$110.00} reflecting three small transaction that were subtracted from my available balance. 

Obviously the funds were there to pay for these three transactions. 

The very next day, XX/XX/XXXX, my account reflected that a larger item had also been presented to the account and the bank took it upon themselves to re-arrange the order of the transactions resulting in overdraft charges of {$130.00} rather than the {$34.00} overdraft fee that should have been charged for the ONE item that was presented when the account balance was too low to cover it. 

I was charged {$34.00} for a {$14.00} transaction I was charged {$34.00} for a {$20.00} transaction I was charged {$34.00} for a {$110.00} transaction All three of these transaction were covered by my available balance the day they were presented to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: VA

Complaint narrative:
I received a US Bank Credit Card in XX/XX/XXXX. The promotion offer was that if I spend {$4500.00} in the first 150 days, they will credit my account with {$500.00}. As seen in the attached file - AccountPaymentHistory.pdf, I had spent {$5200.00} within 150 days. I sent US bank an email regarding the credit and received the following reply from them on XX/XX/XXXX ( Our records show that you have met the {$4500.00} spending requirement. You will receive the {$500.00} bonus rewards within four to six weeks. ) I waited for 6 weeks and after 6 weeks, I again sent US bank an email. I received the following reply from them on XX/XX/XXXX ( We apologize for the incorrect information given in our previous response. Once the account has qualified for the bonus rewards, it may take up to 10 12 weeks from the end of the offer period to receive the bonus rewards. ) I again waited for 12 weeks and sent them an email regarding the promised offer. I received the following reply on XX/XX/XXXX ( Our records indicate that this account was opened as of XX/XX/XXXX with an offer to receive a {$500.00} cash rewards bonus for each employee account individually for having {$4500.00} in net purchases within 150 days of the account being opened. 
Reviewing your account, neither employee account affiliated with this business met the net spending of {$4500.00} in the first 150 days of the account being opened. Therefore, this business account is not eligible for the {$500.00} bonus. Your account ending in XXXX had net spending of {$2900.00}, which did not meet the spending requirement. 

The main credit card account ends in XXXX and there are two employee cards within the central account. The total amount spent in main credit card account ( XXXX ) was more than {$500.00}. The credit card company is now coming up with an excuse that each card had to spend {$4500.00}. As seen above in their replies and the attached emails, they agreed that I had qualified for the offer. But it was never their intention to deliver the offer. ) First they said 4 to 6 weeks, then they said 10 to 12 weeks and finally they refused. 

The credit card company 's offer was deceptive and deceitful. They wanted me to just keep spending on the credit card until they could refuse the offer. A strict action should be taken against US Bank for willfully misleading the customers and not delivering on their promises. 

Attached is their email chain where they accept that I have qualified for the offer and then rescinding the offer once it came time to deliver. Also, is the account history where it shows that I spent over {$5000.00} in the first 150 days. 

Thank you.

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 2019-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I have been paying my mortgage every 2 weeks like I have for years and this company changed my automatic payments in XX/XX/XXXX. Their system is completely disorganized and I have not had any luck getting anyone to call me back. This is the second year I have had issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Check Bureau, Inc.
State: MI

Complaint narrative:
National Check burea been adding interest on a credit card debt since 2001 I never had a credit card with national Check burea they cant proof I owe any money to any one

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-14 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: NY

Complaint narrative:
I have a XXXX XXXX store card issued by XXXX Bank. This bank doesn't provide auto payment feature on purpose and rips people off on late fee even if they are late by one day. I have requested that they provide this feature as this is a minimum standard every credit card company provides and it is extremely difficult for people to remember that they have to make this one credit card payment manually every month.

The company just keeps on ignoring the complaints and continues to rip off people on late fee by NOT PROVIDING THIS FEATURE on purpose. 

I strongly feel that they business model is to make money out of late fees. 

I request that CFPB looks into their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: Ascendium Education Group
State: NY

Complaint narrative:
On my credit report at XXXX XXXX and XXXX appear an account by " Ascendium Education " with two different opening dates ( XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX XXXX ). The reporting company " Ascendium Education " had never contacted my via mail, I have no knowledge of any account opened by me with this company. this report is negatively affecting my credit history and my ability to be approved in any credit request. please help me.! thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: MI

Complaint narrative:
I was looking to consolidate my student loans and hoping to get some of my loans forgiven. A third party company, Premier Student Loans, reached out to me stating that they were going to handle my loans and that there would be a {$0.00} payment towards my loans for 10 years unless I want to make payments. After the 10 years, all of my student loans would be forgiven. The only catch is that I have to make 6 payments of $ XXXX/month so they can certify that my loan payment is {$0.00}. After that, it would be $ XXXX/month for the next 10 years, but that will not go for my loans, only in their pockets. What I later realized, was that my loans are serviced through XXXX XXXX, and this particular third party company is not affiliated with XXXX XXXX. XXXX XXXX did see my balance of {$0.00} towards my student loans, but did not see any other transactions taken out. I am in a grace period, and I am not required to make any payments at this time, so this company took over {$1100.00} of my money that is not even going towards my student loans. I am a XXXX and unless you have been XXXX for 5 years, loans can not be forgiven. I have only been XXXX for 3 years, so I was given misled information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: AZ

Complaint narrative:
I paid this balance in XX/XX/2016 for the amount of XXXX to Credit Management.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
Dear Sir or Madam, Back in XX/XX/XXXX, I've received an offer from HSBC for {$750.00} bonus when a checking and savings account will be opened and some requirements will be met : https : //www.us.hsbc.com/checking-accounts/campaigns/offers/ # premier-checking-details On XX/XX/XXXX, I opened both checking and savings accounts, funded the savings account with {$100000.00} ( the required combined balance between the 2 accounts had to be at least {$100000.00}, as required by one of the conditions ). 
Another requirement was to maintain a balance of at least {$10000.00} for 90 days and then, approx. 8 weeks after the initial 90 days, {$750.00} will be deposited into the checking account. 
On XX/XX/XXXX, HSBC took the initiative of closing my checking account and forfeiting the {$750.00} bonus, although they still have my {$100000.00} in the savings account. 
All my attempts to resolve this issue with HSBC were unsuccessful. Therefore, I'm kindly asking for your assistance. Should additional information be needed, please let me know and I'll gladly provided. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: GRANITE STATE MANAGEMENT & RESOURCES
State: MT

Complaint narrative:
I reported on XX/XX/XXXX to XXXX, that a student loan in the amount of {$31000.00} was paid off in XX/XX/XXXX. The debt was owned by GRANITE STATE MANAGEMENT RESOURCES ( GSMR ) I provided documentation to XXXX  that the debt was paid off. 
XXXX  reported that GRANITE STATE certified the debt as current. 
The document provided from Granite State clearly shows the account is at a XXXX  balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
In XX/XX/2018, I purchased a XXXX XXXX XXXX from van from XXXX XXXX XXXX in XXXX, Georgia. I could not get a state ID, having merely my military documents. 
They sat the payments back two months and charged me an awful interest rate for the first couple of payments. Then a month ago they started calling a friend 's cell phone without his permission or mine. This has taken a toll on the respect and concern from my friend who helps me get to doctor appointments and groceries and other things like that. They took away the one thing that I need. A helper! And I am legally XXXX and live in a remote area. He does not, nor I have to put up with this.. I need them to understand that the disrespect of privacy laws doesn't only hurt them legally, but it also hurts those who are victims of their failure to comply with federal mandates. I no longer need the van since I don't have a driver. they can not keep calling a third party without MY permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: MT

Complaint narrative:
I reported on XX/XX/XXXX to EXPERIAN, that a student loan in the amount of {$31000.00} was paid off in XX/XX/XXXX. The debt was owned by XXXX XXXX XXXX XXXX ( XXXX ) I provided documentation to EXPERIAN that the debt was paid off. 
EXPERIAN reported that XXXX XXXX certified the debt as current. 
The document provided from XXXX XXXX clearly shows the account is at a zero balance.

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 2019-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
i am writing to u to see if we can get XXXX XXXX taken off my credit report since they closed my account on XX/XX/XXXX and they wrote it off and i would like it taken off my credit report it was for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have been a victim of Identity theft. Between the XXXX of XXXX, 2019 some one opened an account on my name and requested a XXXX XXXX credit card and also opened a XXXX account and bought 4 new XXXX from them. I did NOT requested such servides or accounts. I realized I was a victim because of the bills dfrom bot companies arriving at my mail adress in the US. I am currently living in XXXX XXXX XXXX. it has been very difficult from here fixing this issue. I have tried contacting both companies over the phone but both require a US police report wich I cant get overhere since the XXXX police has no authority in the US.

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 2019-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
i am writing to u to let this company know i want the XXXX taken off my credit report since they closed it on XXXX XXXX it is XXXX XXXX/XXXX XXXX they closed it and charged it off on XXXX XXXX it is also has the same address as XXXX XXXX i sent a claim too and that claim number is XXXX and one for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: KY

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my XXXX, XXXX, and Equifax credit report. 

2. The inquiry was not authorized XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my XXXX, XXXX and Equifax credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my XXXX, XXXX and Equifax credit report. 

4. The inquiry was not authorized XXXX/XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

5. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

7. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

8. The inquiry was not authorized XXXX/XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX  report. 

9. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

10. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

11. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

12. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

13. The inquiry was not authorized XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

14. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

XXXX. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

16. The inquiry was not authorized XXXX XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. They are all non-permissable inquiries that I did not authorize in writing, It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Nelnet did not have my correct contact information to provide me with the repayment plan after my graduation of the 17 loans I have with them, therefore making my payments on my accounts with Nelnet XXXXXX/XX/2017 late. I called them after seeing the information on my credit report to resolve the issue and have been making payments on time ever since the issue was resolved. My credit report is now ruined due to this mistake, and I am unable to get credit cards, loans, etc.

Company response to consumer: Closed with explanation