vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Updated payment bank account within online portal almost a month before my next payment was due. Thought I was okay until I received a NSF fee from my old bank. Called Barclay  to find out what happened. They told me I was on autopay, and updating my bank account doesn't change the autopay ( What does it do then?! ) and I needed to snail mail a letter with my bank account information requesting the update. With all the fraud and identity theft issues going on in this day in age, who in their right mind is going to put that information in the mail?! Now I'm stuck with a {$35.00} NSF fee from my old bank, a late fee + interest from Barclay cc, and my first ever late payment, thereby affecting my credit. ( My first EVER late payment on any account! ) The representative was no help, and told me they are not responsible at all. When I tried to speak with a supervisor she told me there is only one and she's out and will have to call me back. Still no call back ... ... Let 's face it. They will never call me back. That piece of paper she wrote my number on went straight in the trash. She already told me they don't care, it's my fault. So upsetting.

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 2018-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
My complaint is with XXXX XXXX and debt collection agency located in XXXX Pa. I had an outstanding balance on a credit card with Capital One which was farmed out to XXXX XXXX for collection. I had paid off 2/3 of  the debt and have a balance of {$570.00} that I intend to pay off. I expressed this to an agent whose name is XXXX XXXX. Right away she got aggressive when I said I would take care of it when I had the money which would be around the XXXX of the month. She wanted to set up check/bank arrangements right away or a payoff schedule. I told her three times that I would pay them at the XXXX of the month. In reviewing my telephone call history I have seen XXXX has been calling me very frequently since XX/XX/18. This morning XX/XX/18 Ms XXXX and XXXX XXXX  called me at XXXX XXXX using a spoof telephone ID number from XXXX XXXX. ( XXXX ). When I answered she asked if I was my name without identifying the nature of the call or the identity of her company. I didnt give her any info. End of call. She followed up per my call history 7 minutes  later with XXXX XXXX usual phone number showing correct area code and exchange ( XXXX ). I didnt answer it. 

I have told them repeatedly that I would deal with them on the XXXX of the month. The phone calls since then appear to be an insult and harassment and I think something should be done about it. 

Further the agent read a disclaimer to me that debt they are trying to collect maybe something which Capital One credit card may deem to be old and beyond the statute of limitations. This is bizarre. Why is this being read to me if the debt is possibly not a debt by their own words? 

I feel that while I owe Capital One, this debt collector is becoming abusive with daily phone calls, not representing themselves for who they are, trying to strong arm me into making financial arrangements against my personal checking account after telling them repeatedly I would pay them on the XXXX of the month and calling all hours of the day. I realize they can call between XXXX and XXXX XXXX. They need to be stopped. 

I have recently moved from XXXX where I incurred the debt. I now reside in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Was checking my credit report from the 3 major credit reporting agencies and notice that information on my credit is incorrect XXXX partial # XXXX, and XXXX XXXX XXXX/XXXX   XXXX  showing up as negative on my credit and would like these DELETED from my report these have been included in my Bankruptcy Chapter XXXX, bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Convergent Resources, Inc.
State: RI

Complaint narrative:
I keep getting contacted by a collection agency and can not pay.

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 2018-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Was checking my credit report from the 3 major credit reporting agencies and notice that information on my credit is incorrect XXXX/XXXX  partial # XXXX, and XXXX XXXX XXXX/XXXX XXXX showing up as negative on my credit and would like these DELETED from my report these have been included in my Bankruptcy Chapter XXXX, bankruptcy 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 2018-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Was checking my credit report from the 3 major credit reporting agencies and notice that information on my credit is incorrect XXXX/XXXX partial # XXXX, and XXXX XXXX XXXX/XXXX XXXX showing up as negative on my credit and would like these DELETED from my report these have been included in my Bankruptcy Chapter XXXX, bankruptcy 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 2018-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
For the second time in as many years, Navient failed to inform me that I needed to recertify my income, increased my payment from {$0.00} to {$230.00} without notice, and enrolled me in autopay without my permission. Last summer, I received an email that I my " autopayment '' would debit within a few days. Within fifteen minutes of receiving this email, I called them and told them not to debit my account. They explained it was too late, it was four days before the payment was to come due, and I should have notified them five days before it came due. In other words, they sent a single " reminder '' email out of the blue when it was " too late '' for them to stop the payment. I'm pretty sure I had to pay my bank a fee to refuse the debit. I unequivocally told them that I was not to be placed in auto pay status again. 

This morning, I got an email that my bank account would be debited {$230.00} on XXXX. I immediately logged in and unenrolled from autopay, but they said it was too late to stop the autopayment on XXXX. I work for a non-profit and should be paying only about {$40.00}. It is completely shady and an absolute repeat of last year. Apparently they have not respected any lawsuit the CFPB brought against them last yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/18 I accidentally hit the " request a credit limit increase '' button on my account page. I immediately wrote a message stating it was accidental and I DID NOT authorize a credit inquiry. I received a response on the XXXX from the company stating they have received my message. On the XXXX I received a message with a letter in pdf form stating they pulled my credit history from XXXX. I wrote in writing that I specifically did not authorize a credit inquiry, received a response acknowledging they received my original message, but went ahead and pulled my credit history anyway. Unbelievable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX - XXXX of XXXX I have bank statements to prove that i have been paying my mortgage ontime and in full every month. 

I am not sure how this happened. Chase knows that i am trying to refinance my mortgage and is purposely reporting me late so i cant leave them. I Know I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, I am filing a formal complaint against TransUnion. There are seven credit Inquiries I have disputed with TransUnion since late XX/XX/XXXX. Not only, have they ignored my disputes they have failed to investigate, correct and delete these credit inquiries. 

Due to their negligence, this has negatively affected my Consumer Credit Report and does show my true credit history. 

These hard inquiries are not mine. 
1. Creditor : XXXX - Inquiry Date : XX/XX/XXXX 2. Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXX 3. Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXX 4. Creditor : XXXX - Inquiry Date : XX/XX/XXXX 5. Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXX 6. Creditor : XXXX XXXX I - Inquiry Date : XX/XX/XXXX 7. Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXX Please look into this matter. I believe TransUnion is not maintaining complete and accurate credit information. Thank you I look forward to hearing from you and a resolution for this matter.

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 2018-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Company is reporting as delinquent but received a letter the states account has been paid per agreement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Trying to move XXXX account to another financial institution. Transfer Request was sent by fax on XX/XX/2018 to XXXX. Called XXXX Bank 10 days later to see if the check had been sent to the other institution. XXXX  Bank had no record of receiving any fax. Sent another fund transfer request to XXXX Bank on XX/XX/18. Contacted XXXX  Bank and talked to XXXX on XX/XX/18 to make sure that they had received the fax. XXXX told me that the only way to be sure they received the fax was to call the following day after the transfer request was entered into the system. I called on XX/XX/18 and talked to XXXX and was told that I would have to call back on Monday XX/XX/18 since it takes XXXX hours to have transfer requests entered into the system. Asked to talk to a supervisor, and after being on hold for XXXX minutes I was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened a new checking account as required in XXXX advertisement on XX/XX/2017. I met the requirement for more than nine months but have not received the signup bonus of {$200.00} so far. Also, my account was closed for no reason this month.

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 2018-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX bank/XXXX  is showing an open account on my experian with incorrect balances and wrong dates.

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 2018-07-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
This has already been paid off they took it out of a CD I had and paid my credit card with it so I don't owe any balance for his and the USAA rep told me to dispute it so it can get taken off. 



Alert Date XX/XX/2017 Source XXXX Company USAA SAVINGS BANK Payment Status Over or At Credit Limit Status Date XX/XX/2017 Balance {$280.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, TX XXXX Not sure what this is? Contact XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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: SC

Complaint narrative:
On XX/XX/2018, I disputed for the second time, a collection account with TransUnion and XXXX   being reported on my credit report by XXXX XXXX XXXX. On the second request, the account was found inaccurate and deleted by XXXX, but TransUnion reported it " Verified/Updated ''. On XX/XX/2018 I notified Trans Union of the inaccuracy found by XXXX  and asked them to either provide documentation of the verification they received or delete the account as well. 

On the XX/XX/2018 update from TransUnion, the account with XXXX XXXX XXXX was reported back " Updated '' with no changes to the account, but not " verified ''. This account is still reporting on my credit file. 

The same issue has occurred with XXXX. On the same dates as above, I disputed XXXX 's account with TransUnion and XXXX. Trans Union responded the account was unverified and deleted it. When I notified XXXX of TransUnion 's findings and asked them to comply, they also reported the account verified and updated on their next updated on XX/XX/2018.

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 2018-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
XXXX  bank/TD is showing an open account on my XXXX with incorrect balances and wrong dates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
After pass few months of not being provided with my account monthly statement by Wells Fargo bank I complained on the branch I use to deposit and visit frequently. At that branch I received computer copy of my transactions non officials statements from the Wells Fargo headquarter which from time to time show different information from the statement provide by the branch at XXXX of XXXX XXXX. it has been the main reason because my claims or allegation some times are late, for instance in order to have the year XXXX and XXXX statements I had to call the bank too many times and finally ending the year XXXX I received copies of the three years on the branch. on XX/XX/XXXX I notice an unusual withdrawal, agree to the bank statement per an amount of {$5000.00}. since I have been auditing my Wells Fargo bank account and I found the fact that my account has been vulnerated from the year XXXX through the year XXXX for instance, in XXXX XXXX, XXXX the bank charged my account {$3200.00} for a withdrawal in branch store at XXXX XXXX XXXX. I rejected such a transaction. In XX/XX/XXXX my account was charge per an amount of {$5000.00}. I had rejected that charges on my account because I did not make those draft. I have contacted the bank for more than 30 charges the bank has made on my account since XXXX through XXXX. I had complained but the bank is not paying attention to my complaints, the personnel take some notes and the following day it send me a letter rejecting my claim the bank is mocking on my claims. I have the document which support my allegations and I am able to summit them to any investigation before an impartial governmental institution or regulators.

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 2018-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
Ive had a debt collector ERC on behalf of XXXX XXXX XXXX. Over the past months Ive called XXXX XXXX XXXX and I was verified as having account number XXXX as a XXXX account. This account doesnt match what ERC has been attempting to collect for Acct # XXXX. XXXX on several calls and chats has offered to send me a detailed record of the account that is registered to me Acct # XXXX in the amount of {$91.00} dollars. 
I have still not received any communication to verify any debt. I was told that the account number XXXX didnt show me as the registered account holder and that I would get detailed information to specify this as well. I have been able to keep my chat records with XXXX and have found their customer service, account billing and collections to all have different information. This has seriously impacted my credit for years and its unfair that I can not receive information for an account from XX/XX/XXXX. I was told by XXXX that they do not keep those records and because they are old records Id have to register for an account to get that information uploaded yet there is nothing in this account t profile. This Ive been calling and chatting now since XXXX XXXX and have not received any statements or records to prove what the chat representAtive told me. I have been told its a XXXX, a XXXX XXXX account and spoke to this department and nothing came up and then it was a. XXXX and nothing came up. It has been so hard and has created a very heavy negative impact on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
This is the fax I sent to the Commercial Acceptance Company who has been repeatedly harassing my house with repeated calls To whom it may concern : For the past year your company has been harassing my mother who is now deceased and now the calls are continuing by being left on the answering machine because I am a XXXX XXXX and never home. 

Your representatives or collection agents are always looking for a XXXX XXXX or a XXXX XXXX who possibly had this phone number years upon years ago the phone number is XXXX My name is XXXX XXXX I live here at XXXX XXXX XXXX in XXXX Pennsylvania XXXX. 

If you want proof of that please send a self-addressed envelope to that above address and I will enclose a copy of my XXXX phone bill proving to your company that there is no XXXX XXXX or XXXX XXXX in any way related to that above reference phone number Furthermore I want your company and all of its Representatives or collection agency to cease and desist all further phone Communications to phone number XXXX immediately or I'm going to start a lawsuit against your company for harassment If you wish to speak to me my cell number is XXXX you can reach me at that number anytime to discuss this matter Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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: FL

Complaint narrative:
this is in reference to the non-response by experian to complaint # XXXX CFPB complaint XXXX. 

experian has refused to remove fraudulent reporting. in the latest complaint ( XXXX ) responded with a diatribe of irrelevant noise that they copied-pasted from their own website THAT DOES NOT ADDRESS THE PROBLEM - FRAUDULENT USE OF CREDIT CARD BY SOMEONE ELSE ... that i have now provided proof to exprian 11 times.

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 2018-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Today, XX/XX/2018, I called my Chase credit card to ask if I could get a decreased interest rate. I currently pay 24+ %. The representative said it was the lowest it could be. I asked how high it could go and she stated she couldnt give me that information. I asked how I could get the rate lower and she said she couldnt give me that information, either.

Company response to consumer: Closed with explanation