vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-22 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: RSI Enterprises, Inc.
State: CA

Complaint narrative:
This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulently charged account they are reporting but to my surprise this company still insist on reporting these accounts even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from the charges in these accounts. 

RSI ENTERPRISES-RSIMD, Account # XXXX, Date Opened XX/XX/XXXX- Original Creditor XXXX XXXX XXXX XXXX XXXX . This account is fraudulent, I still wonder why are you reporting, contrary to that law that state : Fraudulent accounts to be removed within 4 days from receiving a proof. PLEASE DELETE ASAP This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XX/XX/XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them at XX/XX/XXXX 2. mY FTC report 3. My small claims form in case they fail to remove these fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian dropped my FICO Score from XXXX to XXXX supposedly on some kind of " late payment '' After trying to get information through their terrible website, there is no such account listed under my name or SSN on their " report '' In addition, Experian does not allow for me to get any copy of anything regarding my credit report by downloading a file copy.

I don't need to print 18 YEARS of my credit history - just a data file copy trying to find 1 ACCOUNT PAYMENT - supposedly Please help me if you can and please support sweeping new Federal regulation and legislation to hold these people accountable. 

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 explanation
Consumer complaint received 2019-05-22 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: CITIBANK, N.A.
State: ME

Complaint narrative:
I received a solicitation email from Citi Bank in XXXX of this year to open up a new Citi Rewards Card with a promotional XXXX Bonus Points upon spending {$1000.00} within the 1st 3 months, of which I did spend on the card in XXXX and I did indeed receive the Bonus points on this new card. This 1st Rewards Card was approved and activated in XXXX. 

However, in XXXX I received an additional 2nd offer email from Citi Bank of invitation to open up an additional Rewards Card with the same XXXX Bonus Points Promotional Offer also included in this 2nd email. I clicked the OK and was also approved for a 2nd Citi Rewards Cards with the same documented promotion. I was approved, received, and started using this 2nd card in XXXX and achieved the spending {$1000.00} in XXXX which qualified me for the this card 's XXXX Bonus Points. I did not though get the Bonus Points on the 2nd card in a timely fashion, so I called Citi Bank on XX/XX/XXXX at XXXX ; Rep XXXX told me that " I achieved the {$1000.00} on XX/XX/XXXX and that " I would indeed get my Bonus Points for that 2nd card in 4 weeks '', but I didn't get them? So I called Citi back on XX/XX/XXXX at XXXX and the Rep told me that she would put in a request and I would here in 2 days, however I have not heard back like she promised, nor have I gotten the XXXX points on this card as promised either. This was contractual and I spend the {$1000.00} in consideration, please force them to make good and reciprocate on their offered XXXX Bonus points as was included in their solicitation. Thank You, 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 2019-05-22 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: TX

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve Experian 's continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. 

I am reporting a violation of the Fair Credit Reporting Act Willfully and recklessly reporting false information after being notified of the problem and failing to investigate or correct the problem. I recommend the highest maximum fine for this indiscretion and that the the unverified items be deleted immediately! 

They have not verified anything! I have letters from the debtor which clears me of this amount reading " past due on my file ''

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 2019-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Accounts ending in XXXX, XXXX were opened as a result of Wells Fargo reps sales pressure tactics to boost company profits, a XXXX XXXX settlement was made as a result of this. I received a payment in the amount of XXXX from this settlement and most recently, a separate amount of XXXX which as I suspected, does not cover all fees charged to accounts in question. My accounts with Wells Fargo were closed prior to settlement, I did not have access to them in order to view statements as well as fees charged to them ... Recently, I requested copies of statements through a complaint with the CFPB, it was marked as duplicate when in fact it is not. I believe Wells Fargo rep marked it as duplicate in order to avoid providing the information because it clearly shows their settlement and payments made are inadequate. A separate complaint was made to the OCC ( Office Of Comptroller Currency ) to obtain statement copies, which were received today on XX/XX/XXXX. The total in fees I show is XXXX, XXXX charged to account ending in XXXX, XXXX to account ending in XXXX. The settlement made by Wells Fargo appears to be made as a means to remedy, not resolve the issue pertaining to their high pressure sales tactics and fees charged thereof.. These accounts were opened as a result of constant recommendations by Wells Fargo customer service reps to open a second account for bill pay use, overdraft fees were charged to these accounts since opening when in fact I did not even need these accounts. I've attached a copy of statement showing these fees. Payment has been made in total to date in the amount of XXXX, XXXX from settlement, a separate payment in the amount of XXXX. I believe I am owed XXXX in total, not including fees from savings accounts linked to these accounts. I have reasonably deducted total payment received in the amount of XXXX for a total of 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 monetary relief
Consumer complaint received 2019-05-22 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: AES/PHEAA
State: SC

Complaint narrative:
Balances showing {$200.00} and some dollars. Was report by FedLoan Servicing however when I spoke to them they said that I was still in good standings and did not owe them anything that I'm on pay-as-you-go with a payment of XXXX amount. 
I would like this removed from my credit due to damages that it's done to it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Navient systematically and illegally failed borrowers at every stage of repayment which led to lawsuits. They have falsely put 4 separate inquiries on my credit report and have docked interest on every one of them which has caused my credit score to  dramatically lower which stops me from financing a home for my family. On XX/XX/2016 there was an amount of {$6000.00} which is now {$6800.00}, Also on XX/XX/2016 there was an amount of {$3500.00} added to the report which is now at {$3800.00}. On XX/XX/2016 there is an amount of {$660.00} on the report which is now {$730.00} and another report on XX/XX/2016 of {$500.00} which is now {$530.00}. My graduation date was XX/XX/2016 which would make this information incorrect due to the fact that repayment would not take place until after the graduation date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: RI

Complaint narrative:
On Tuesday XX/XX/XXXX I requested a stop payment be put on a Marchant ( XXXX XXXX ). I spoke with an authorative figure from my financial institution Simple.com about this and one other matter. I was very adamant in my query if any further debits from this merchant would post to my account and they were very adamant in their response that their would not be.

I asked this because I know traditionally ACH blocks and some other blocks only effect subscription type transactions and specific amounts.

I've had a horrible experience with simple.com s customer service over the past 3-6 months. Their customer base has grown but they don't seem to have done much to improve customer service when it comes to what actual authorative figures customers are able to speak with, among other things. 

This is also not the first bad experience I've had with simple.com I had asked repeatedly if a previous dispute could be updated with a additional debit and got nothing but double talk.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Community Cash Management Corp.
State: MA

Complaint narrative:
Starting Tuesday, XX/XX/2019 throughout the two hours prior of this XXXX-XXXX & XXXX man contacting the CFPB ; I have received an average of 2- 3 telephone calls per day, attempting to collect money from me. The agency never identified themselves ; it was only until today, that they did identify themselves as a debt collection agency. In addition, they have never sent me a single article of mail and/or bill by-way-of the United States Postal Services ( USPS ). The only way I was actually able to fully identify the exact name of their debt collection agency myself was by running a reverse search on their ( various ) telephone numbers on XXXX. I have taken no actions because A ) I do not know which establishment they were hired by, B ) I do not know how much money I ( allegedly ) owe, and C ) They constantly refuse to specifically identify themselves when they call me. Also, Since they have never sent me any mail, absolutely none whatsoever ; I have never received what is known as a 'Debt Validation Letter ' ... informing me of my legal right ( s ) to dispute. In closing, I would also like to note that they have also called my elderly   mother ... my rather ill, elderly mother, for that matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I called this company numerous of times Navy Federal Credit Union because I was being fraud 2xs they gave me a provisional credit and. A new card ok cool then come back and say we didnt find any error so we closed the case ok a second time same thing how do these people keep getting my information you guys advertising that you will protect my money but definitely not showing it and Im definitely not gettin. Protected at all and now theyre holding on to my money saying that I cant get it out because its theirs when some one overdrafted my account Im closing this account out I see why no one wants to come here because yall are bad for business and definitely not who you say you are and Im posting this situation in social media, news companys etc so the whole world can know that you guys are fraudulent and definitely dont protect other people information i am now behind on my bills thanks to NAVY Federal and give me my money or Im getting a lawyer involved in this and thats that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: KY

Complaint narrative:
I have a NetSpend card and was charged by a couple merchants I shouldn't have been. I filed a dispute and one vender returned my funds to them but they are holding it till the other company does the same. It has taken months. This has put me and my XXXX kids in a financial bind. They have my money from the one merchants and are keeping it to draw interest for their own benefit. They told me first I would get it back as soon as NetSpend received it. Now they are saying they won't until the other 2 disputed accounts are finished being investigated. This is really hurting me and my family so much. They keep saying a manager or the dispute department will call but they never do. I want them looked into if at all possible.

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 2019-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Ditech mismanaged 3 extra principle payments. 2 of  which are resolved. The third {$300.00} payment from XX/XX/2018 is still not applied. We have been sending letters back and forth since XXXX of 2018. We have sent bank statements at the request of Ditech only to be told a month later that they now needed copies of the cancelled checks which we provided. We believe they are purposely delaying in anticipation of their bankruptcy proceedings. We have copies of all communications from Ditech and all the letters we have sent. With all the letters and statements and copies of checks we have 20 to 30 pages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CENTERSTATE BANK CORPORATION
State: FL

Complaint narrative:
I was in the process of buying a home last year XX/XX/2018. I was required to take a Home buying class to get a certificate. I attended this class and one of the bankers there her name is XXXX from XXXX XXXX stated there was a program for a grant for XXXX available for the closing cost of purchasing a home. I tried to contact XXXX for 2 weeks, I even called from other peoples phone numbers. She never once returned my calls. I called her supervisor she said XXXX is the one I would have to talk to about this program. The program for down payment money. She stated in the class florida residents 1st time home buyers would be able to use this. XXXX finally reached out to me and said we would not be able to use this program because my father still owed taxes on another mortgage this was not true because at this point I was dealing with another lender.Which was able to get my father a VA loan. He had to borrow money from friends and family for the down money. My fathers first home was purchase by his father and handed over to my father. My father needed to purchase another home because his home he was living in was effected by hurricane Irma and needed to purchase another home. I tried finding out about all the programs that could help him. He is a XXXX veteran and on a fixed income. I was told that there was no funding available. I also had to talk to a HUD approved credit counselor to help advise me on what steps to take. The only thing he did was ask me if I was single and seemed more interested in my dating status then helping me purchase a home. I really felt alone in this whole process. I was able to help my father purchase a home in XX/XX/2018 with another lender. At this point I am very discouraged I do not have faith in any of our programs able to assist low income/veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased auto gap insurance when I purchased my vehicle. In XX/XX/2019 I was in a car accident and my vehicle was total loss. My auto loan servicer, Capital One Auto Finance filed an auto gap insurance claim but the claim was denied because the dealership never paid the gap premium. But the dealership financed the gap premium in my auto loan when I purchased the vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax REFUSES to unlock my credit file. My potential new employer needed to access my credit file for a financial fitness check. Since they employer could not access the file after 6 days, they had to move on with another job applicant. So I lost out on my new job opportunity. This is really frustrating that Equifax can't simply remove the lock on my Equifax credit file. I NEED THIS LOCK REMOVED IMMEDIATELY!!!!!!!!!!!!!!!!!!!!! This has been going on for way to long. Equifax need to remove this lock. This is causing me a lot of damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I put a credit freeze in place a year or so ago with Equifax. At the time I was issued a PIN that I was told would enable me to unfreeze the credit information. Today, XX/XX/2019, I went online to unfreeze my credit report and found that I can not unfreeze it without creating an account, which requires the submission of various forms of identification ( e.g. drivers license, pay stub, social security card, etc. ) I find it unacceptable to have to provide this information in order to unfreeze my credit when it was previously frozen based on being told I could unfreeze using the PIN I was issued. Furthermore, I was never notified that Equifax was changing their rules about unfreezing ( requiring the creation of " an account '' and providing various forms of " identification '' ). It is my expectation that Equifax unfreeze my credit based on the PIN they issued to me when it was frozen. 
When I tried to seek assistance in unfreezing the report, I was connected with an agent, named XXXX, in the Security-Fraud department of Equifax. XXXX was unable to unfreeze my credit ( he never asked for my PIN ) and refused to provide me with the name or number of someone who would be able to do so, or even someone to whom my issue could be escalated. 
I find it unacceptable that I am unable to unfreeze my credit using the information I was provided at the time it was frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Today ( XX/XX/XXXX ) I was unable to freeze my account with Experian. I gave them the correct information, same as always, tried it twice, they refused to freeze the account or give any explanation, and seem to think I should email them personal info and hope they then freeze it. So I did that in the past, and again, they never respond. 

My account should be frozen online like before, so I am not victimized again by these companies. I called their numbers and they refuse to answer the phone at all, let alone help me, the voice tree just hangs up on you, no matter which numbers you choose. This is ridiculous. I placed a freeze with them before, so I know they are capable of doing it, they are deciding not to follow the law intermittently, because they are so incredibly corrupt they might as well be the mafia - except the mafia if it had REAL power like these agencies do. Wonder when our enlightened senators are going to oppose them? Never, I can see that. But I will voice my opinion and these days anyone can go viral with a complaint, especially if it is ignored by the conventional channels.

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