vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: NY

Complaint narrative:
I deposited a check for {$1100.00} on XX/XX/XXXX via the ACU mobile app, I subsequently logged out and logged back in to see if there would be a hold placed on the deposit or if any of the funds would be made available. After the deposit, the mobile app displayed the total amount of the check available to me and did not indicate any hold would be placed on the check. The check was drawn on a business account from my employer from XXXX XXXX. Additionally, after reviewing online banking, the full amount of the deposit is reflected in my posted ledger balance as of XX/XX/XXXX. Based on this information, I made a payment on my XXXX  XXXX XXXX credit card in the amount of {$1200.00} via XXXX  which brought my balance down to {$710.00}. On Monday XX/XX/XXXX at approximately XXXX, I logged into my mobile app again to try to determine why I was not able to withdraw money from the ATM only to discover that my account was overdrawn {$440.00}. I looked over the ledger to see what happened and saw that at some point on XX/XX/XXXX, someone from ACU decided to place a 10 day hold on the check that was deposited on the previous day, leaving my account overdrawn and not giving me any notification that this would occur. I then contacted customer service to see what could be done about the hold and was told that since ACU could not verify funds on the XXXX XXXX  check, that if I could get a letter verifying the check or proof that the check cleared that I could request the hold be released, however, XXXX XXXX  will not provide this information to me either since I am not the account owner. I then called back and spoke with several reps at ACU and was told that it is essentially not their problem that I don't have any money and that I should have considered the check unavailable to me until it was processed on Tuesday, even though I did my due diligence as a customer and acted on the information I was provided as a result of using the banks mobile application. As of today XX/XX/XXXX, my account sits overdrawn and I have no money until the 10 day hold expires on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit card was charged {$24.00} per month by Transunion Interactive from XXXX, 2019 to XX/XX/2019 - a total of 8 times which amasses to a total of {$190.00}. This is a service I never ordered. I have not made any major purchases where I would need my credit report for many, many years. Furthermore, I have not received a credit report from them. My credit card company graciously is disputing the charges for the last three months. The following shows the dates of the charges : XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00}

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 monetary relief
Consumer complaint received 2019-10-31 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: Nelnet, Inc.
State: WI

Complaint narrative:
I noticed that my credit reported on XX/XX/2014 - XX/XX/2014 for my USDOE/GLELSI and Nelnet account of a total of XXXX. I want you to know that I understand my financial obligations, and if it werent for a job lost during the year of 2014, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have taken control of my finances and now that I have established a great understanding of being financial literate circumstances have changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/2019 when I found out XXXX was sold out to capital one I closed my account. So my last payment was XX/XX/2019. Closed account so now its showing twice capital one and XXXX closed account took my FICO score down its should just be one not both

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had a business credit card with Captial One Bank. I spent over $ XXXX on the credit card never missed a payment or was ever late. when i signed up they had a offer when you reach $ XXXX with in six months you get XXXX bonus miles, which ive reached. a month after Capital One shut my card down. I called, every Manager I spoken to looked over my account and said they are not sure why my account was closed and they were only able to tell me that I broke terms and conditions. I asked them what terms and conditions I broke and there response was they don't know. I wrote two letters asking what terms and conditions I broke and all i got back was I broke terms and conditions but wouldn't tell what terms I broke. I looked over the terms and conditions and no where does it state if my account gets closed are they allowed to confiscate my rewards. due to the fact that XXXX XXXX  refuses to tell me what terms i broke, that tells me i didn't brake any terms and conditions and even if they closed my account down it doesn't state anywhere in XXXX XXXX terms that they are allowed to confiscate my rewards. I haven't changed anything or done anything different since the first day i had my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/2019 Early Warning is reporting I owe XXXX  XXXX  XXXX for unpaid account this is incorrect. I don't owe XXXX  XXXX XXXX money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I recently applied for the Barclay 's XXXX Visa Credit Card on XX/XX/XXXX under the assumption that I would receive the advertised cash back rewards, and my application was immediately accepted. Two weeks later, on XX/XX/XXXX, I received an email that the entire reward system will be changed entirely where, among many other sore points, accrued points will now only be eligible for XXXX points. I called the support line on XX/XX/XXXX to voice my discontent with the sudden change, but the customer representative simply said there was nothing they can do, that the program changes were unilaterally decided by XXXX. 

The advertised rewards pale in comparison to what they are offering now, so I can't help but feel as if I was deceived into opening this account. It just seems as if the promoted benefits were just a part of a bait and switch operation to get individuals to sign up for the credit card.

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 2019-10-31 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: IL

Complaint narrative:
I am a documented ID theft victim of the 2017 data breach from XXXX. I have been trying for 2 years to repair the damage caused from such breach, however, XXXX  refuse to comply.

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 2019-10-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened this account during XX/XX/XXXX with a promotion of {$400.00}. 
Your terms and conditions were either unclear or very confusing. Like whether it is {$1000.00} for 3 consecutive months or something else, not at all clear. 
When finally I talked to XXXX, I was told that i have time tillXX/XX/XXXX.I kept the {$1.00} as minimum account balance. 
Couple of months - I got $ XXXX direct deposit but not everything is in my control. 
Expecting $ XXXX as a direct deposit every month when jobs are not stable is not a good idea. My previous job is over with pending back wages claims with XXXX ( XXXX XXXX XXXX XXXX  ). XXXX has given verdict in my favor but back wages are provided as a check from XXXX not via the employer direct deposit. I was suppose to have 3 consecutive direct deposits of $ XXXX but it couldn't happen due to my job situation and pending investigations/litigation by Government agencies ( against my previous employer ). Needless to say there is more than $ XXXX kind of pending payment from the employer. For last 4 weeks - I am on unemployment wages ( since XXXX XX/XX/2019 ). One should understand that unemployment wages can not come any where near to $ XXXX direct deposit in a month. Moreover first week is a waiting period. 
Having said that could you please offer me {$400.00} cash bonus, I missed the terms and conditions ( which i initially misunderstood in the past ) with very short margin. 
Thanks in advance. Even self employment direct deposit using software takes around 7-9 days. 

Already during the last 5 months, I am getting direct deposit which is very near to {$3000.00} per month XXXX Around {$2000.00} Direct deposit XXXX {$330.00} and another Wells Fargo ACH of {$3100.00} XXXX {$3000.00} XXXX {$1000.00} XXXX {$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 monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2019 Bank of America closed my account and reported to XXXX XXXX that owe them money. Bank of America report that I have unpaid account this is not true. 
I don't owe Bank of America any money.

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 2019-10-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was advised to reach out to you regarding somethings on my credit that is not mine. My son went to get him a car and needed a co signer. I really didnt want to do_ it at first but I know that my son just had a baby and a car is a need at this point. I went to co sign and got denied. At this point im confused on that especially being that I purchased at XXXX dollar car with no problem. I went home to look at my credit and I see things on there that ere not mine including address_es I have no idea about or who stays there. Please remove these acco_unts from my credit asap XXXX and XXXX XXXX XXXX. I also see where a recent bankruptcy was filed and i have never filed bankruputcy. I spoke with the XXXX XXXX people and they was not able to see anything and is sending me proof of this. These inquries are not mineXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX F XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was also advised to reach out to the FTC and my local police which I did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was advised to reach out to you regarding somethings on my credit that is not mine. My son went to get him a car and needed a co signer. I really didnt want to do_ it at first but I know that my son just had a baby and a car is a need at this point. I went to co sign and got denied. At this point im confused on that especially being that I purchased at XXXX dollar car with no problem. I went home to look at my credit and I see things on there that ere not mine including address_es I have no idea about or who stays there. Please remove these acco_unts from my credit asap XXXX and XXXX XXXX XXXX. I also see where a recent bankruptcy was filed and i have never filed bankruputcy. I spoke with the XXXX XXXX people and they was not able to see anything and is sending me proof of this. These inquries are not mineXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX. I was also advised to reach out to the FTC and my local police which I did.

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 2019-10-31 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: GA

Complaint narrative:
I was advised to reach out to you regarding somethings on my credit that is not mine. My son went to get him a car and needed a co signer. I really didnt want to do_ it at first but I know that my son just had a baby and a car is a need at this point. I went to co sign and got denied. At this point im confused on that especially being that I purchased at XXXX dollar car with no problem. I went home to look at my credit and I see things on there that ere not mine including address_es I have no idea about or who stays there. Please remove these acco_unts from my credit asap XXXX and XXXX XXXX XXXX. I also see where a recent bankruptcy was filed and i have never filed bankruputcy. I spoke with the XXXX XXXX people and they was not able to see anything and is sending me proof of this. These inquries are not mineXXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was also advised to reach out to the FTC and my local police which I did.

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 2019-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Hello I have a car title loan threw wheels financual re XXXX XXXX its my 2 loan did '' t realize that it says in this web site that there only suppose to charge no more then 35 % intrest rate .and there charging me a 134 % int rate .my last loan was 199 % int and so since i paid off my other loan total pay off was {$17000.00} dollars yes crazy so they send me this letter to my email saying that Iam a prefurd customer and they will give me another loan for higher amount at a lower A.P.R rate .they denied that they sent me the notice.so they taunted me with this to give me this loan witch i fell for.is there anything i can do about this.Its just not right that they can take this much for a {$2500.00} at 199 % A.P.R. and if you make a payment early they still want another payment on the payment date or they will reposse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: FL

Complaint narrative:
Purchased eye glasses through a company called XXXX. Glasses were paid. Now they keep sending a false account to different debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to log into MyEquifax all this morning Wednesday, XX/XX/2019. The MyEquifax system tells me that my account is locked - to call Customer Care at XXXX. 
The first two ( 2 ) agents I talked in Customer Care of Equifax put me on hold and then cut me off. 
The third Customer Care agent sent me a link to reset my password. This did not work. He then sent me another password reset link, but said to wait 30 minutes and reset the password. 
I waited more than 30 minutes and the MyEquifax system took the password change again, but then said my account is locked. It said to call Customer Care.

The 4th Customer Care agent sent me another password reset link and said wait 30 minutes to use it. I waited an hour, reset my password and tried to log in. The MyEquifax system said my account is locked and to call Customer Care. 
The 5th agent in Customer Care hung up on me after about 10 seconds.

I tried talking to a different Equifax agent in another department ( new identity protection products ), who tried to help me, but eventually the Equifax phone system cut me off after about 30 minutes of discussion. Before I was cut off, this agent said he needed to try to find other technicians to help me.

When I was trying to get help on this matter, after being disconnected numerous times, I saw that I can send an email of my issue. The Equifax system has taken my complaint and assigned Case # XXXX. 

As of this time, no rep from Equifax has tried to call me on this matter. All I have is a system complaint response and the experience of being hung up on and disconnected by their agents numerous times. 

As of this morning, XX/XX/2019, I can not log into my account at Equifax the MyEquifax system. Being told by Equifax that my personal information was already compromised in the Equifax hack of several years ago, I need to review my data and information that they have in response to their email sent to me on XX/XX/2019. 

I need help from someone to get this critical matter corrected at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I recieved a threatening call from the FBI headquarters phone number to purchase four gift cards from the XXXX XXXX for XXXX valued at {$500.00} each. I XXXX  the number and the FBI assured me it was a spoof or scam call and they said to contact many different agencies to get refunded money to my two credit cards. This happened on XX/XX/2019. They said they have evidence that I own 15 different credit cards, a car under my name, 40  kilos of XXXX under the trunk of that car, and the only way to save myself from lifetime in jail was to cooperate. They kept calling me every second for 6 hours straight after that purchase. This was not my fault and I AM A VICTIM AND NEED HELP GETTING A REFUND! I CAN NOT AFFORD THAT! I was fooled and threatened. I have the scammers phone call logs, voicemails, receipts of purchases, text messages, etc. To prove that I am a victim! They asked for gift card numbers and pin! I have 0 on those cards now!!! I NEED IMMEDIATE HELP AND RELIEF TO FIX THIS PROBLEM ASAP!!! PLEASE!!!

Company response to consumer: Closed with explanation