vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-09 00:00:00
Product: Other financial service — Credit repair
Issue: Unexpected/Other fees — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I went to annualcreditreport.com to help my step-son get his credit reports. Experian indicated I needed to pay a small fee to obtain some detailed information for him. I used my credit card to pay the small fee. Experian has since, enrolled me in a membership service for {$2100.00} per month. I did not realize this, I did not want the membership. I think they were deceptive in their membership enrollment. I called them and asked for XXXX of the XXXX charges to be reversed. I said I 'd pay for the initial fee since I must have made a mistake and not read their " fine print ''. They canceled the " membership '', but refused to remove the other fee. Luckily for me, I can afford the unnecessary fee ; however, I think there are thousands of people being duped by this practice and then Experian is not willing to refund fees for services no one wants or even realizes they 've signed up for. The supervisor at Experian I spoke with was XXXX and her employee ID is XXXX. I actually work for XXXX and I no longer trust Experian or their business practices. I will work within my company to limit our business dealings with them. Experian is dishonest and has deceptive practices. None of the other XXXX credit bureau agencies attempted to enroll me in a membership I did not want or need.

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 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reviewed my credit file and have been turn down for credit due to XXXX XXXX listing me as still having active revolving line of credit with them. This item does show as XXXX balance however it does show as an active line of credit which is incorrect. I was told by XXXX Representative at the company on XX/XX/XXXX that a request to delete my information was placed to all XXXX credit reports. I still see this item listed and have been turned down for credit due to this situation. I spoke with XXXX from consumer relations department at XXXX XXXX who researched and stated that this item should have been deleted back in XX/XX/XXXX and stated that it was deleted however it still showed listed on my credit report. I would like full resolution on this matter I am a single mother working very hard to clean up my credit. I have paid XXXX of dollars to do so by filing chapter XXXX and have been discharged and I am very confused as to why this is still showing on my credit file and has prevented me from obtaining certain credit needed for my family. I have learned that this credit stared from XXXX card and was given to XXXX XXXX to act as their collection agency. When XXXX gave my information over to XXXX XXXX I was in an active chapter XXXX case. So this was incorrect reporting from the start. Because I lacked maturity and did not have the education and tools I have now I was not able to confront this situation. I would like your assistance with resolving this matter please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My checking and savings account were levied a total of {$840.00} from my bank account. I was told by Wells Fargo that if I handled the problem the XXXX ( XXXX ) had with me, and the XXXX faxed Wells Fargo a release-of-levied-funds letter by XX/XX/2017, they would return said funds to my accounts. I handled my problems with the XXXX and they, in turn, sent Wells Fargo a fax to release my levied funds ; a fax for which the XXXX received a return confirmation fax from Wells Fargo, at XXXX on XX/XX/2017 with a " Withdrawal of Withholding Order # XXXX '', confirming they received that fax from the XXXX. 
On XX/XX/XXXX Wells Fargo disregarded the release-of-levied-funds fax from the XXXX and sent those levied funds to them anyway. When questioned, the Wells Fargo legal department said they did n't receive the release-of-levied-funds fax from the XXXX until XX/XX/2017, which was past the XX/XX/2017 cut-off date. Wells Fargo told me those funds are gone and there 's nothing I can do to get them back. 
The XXXX faxed me the confirmation fax they received from Wells Fargo at XXXX on XX/XX/2017 ( included ) that proves when Wells Fargo received that release-of-levied-funds fax. The Wells Fargo legal department has lied to me and I have the proof! 
I keep being charged for overdraft protection for automatic payments that were in place, because Wells Fargo did n't return my money as they said they would! I have no money! I ca n't even feed my mother, for whom I take care of, and I 'm running out of gas in my car and I do n't know when I 'll get paid next. I have borrowed all I can from friends. I have all documentation from the XXXX ( including a voice message sent on XX/XX/2017 saying they faxed the release-of-levied-funds letter ) showing that a mistake was made on Wells Fargo 's part and nobody else 's.

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 2015-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: MN

Complaint narrative:
I got cable TV and internet services From XXXX about a year ago. We verbally agreed on the monthly bills which included the severvices and the rental of modem. They told me that the bill will never change. I set up automatic payments from my account. I hardly even looked at the bills, In XX/XX/XXXX, the bill was raised from {$77.00} to {$93.00} with no notification or reasons given. I did not complain then a few weeks ago I got a mail from XXXX dated XXXX XXXX 2015, they wrote that they have not been billing me for modem rental and so my bill will go up by {$10.00} plus applicable fees and taxes. Few days later I got a mail from Enhanced Recovery Company , LLC dated XXXX XXXX 2015, claiming that my balance with XXXX remains umpaid and my account has been place with them to recover the sum of {$970.00}. Nothing was written as to what that amount was for. I have received no bill from XXXX for anything in this amount. all my bills were autopaid untill I deactivated my autopay on XXXX XXXX 2015 because I intend to stop the service and get internet from another provider. I called XXXX and told them about my intentions on the same day.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I opened an XXXX CC XX/XX/XXXX to establish Credit and help with my moving of goals into the professional world with costs after getting my XXXX degree in XXXX, with an emphasis on XXXX, and with being XXXX so I could hold true to my vision of this. I had planned on using this XXXX card to acquire equipment, further education and unforeseen expenses, that I may need to establish myself in the XXXX so that I can be XXXX and XXXX and get XXXX with XXXX who could appreciate my unique skill set and understanding. I had DESIGNATED that my XXXX be paid always through automatic payment through my bank account at the initial time I had set up the card ( like I do with ALL my other cards/bills ) I had an excellent credit score rating of over XXXX prior to this, and I always pay my bills etc. Did n't need or use the card until XX/XX/XXXX, the system seems to have had some kind of glitch, and it did n't auto deduct my first payment that was due off a {$2000.00} vehicle repair I had put on the card ... This payment came to me sometime XX/XX/XXXX from XXXX, at which time I was furthering myself by XXXX.. and had no access or communication or awareness of the notices sent to my home in Utah. No phone calls were sent to my voicemail on my cell phone either, which was also listed on my account, only calls to my home were made. Once I got the news from home and was out of the fields of XXXX on the West Coast, that I had home messages and mail from XXXX I immediately called them and made a large payment and asked them why it had not auto paid. They had no answer, and I defended that I had set that up that way when I got the card application, and this should not have happened or been an issue, as I had stated set it up this way initially on the XXXX website. I paid them by phone with debit card, still on the road, and when I got back to a PC I went in and redid my auto payment info so that it always does that now, like every single other kind of payment I make for anything, which I always pay, on time. 
The major problem I have facing me in the long run is that Experian immediately dinged my credit after filing notice, which I did n't receive as I was away from home and this had been my very first payment required to XXXX ( which all of this will hurt me further as XXXX is evolving and as I may need a business loan someday very, soon ) also, Experian/XXXX took away my credit spending limit which I had GREATLY been counting on in order to secure goods and services for my business needs as I am in this pivotal point of XXXX life and emerging as a XXXX with a XXXX in the world.

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 2016-09-15 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
To Customer Service Team From XXXX XXXX Account XXXX XXXX/XXXX/2016 I am notifying BARCLAY in writing on XXXX/XXXX/2016 XXXX PT -- I took out a balance transfer which is now due for payoff on XXXX/XXXX/2016 in the amount of {$1000.00} ( XX/XX/XXXX ). I am being told instead of being able to pay off this amount directly, BARCLAY will apply my intended payment to the amount balance due on my NON-BALANCE TRANSFER purchases. BARCLAY is punishing me financially for continuing to use my card for additional purchases and PREVENTING me from complying without penalty to the BALANCE TRANSFER transaction. This is equivalent to loan sharking and consumer fraud. BARCLAY puts me in a position to be liable for interest I am trying to avoid by paying off the BALANCE TRANSFER amount early/on time. If this is not corrected, I will cancel my account and I am also notifying ALL Consumer Credit Agencies of this practice of penalizing consumers who want to pay their debt in a timely manner

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I have no idea who this company is, and why they are trying to get {$1100.00} from me, when I try to communicate with them, I am put on hold for over hours, or call is disconnected, or even I am told someone will get back to me. I have been on XXXX since XX/XX/2010, the kind that all of my medical debts are paid, I have told them either they have the wrong person, or someone used my name. they refuse to give me any information, and they keep putting this on my credit report every few months, which gives a negative reaction to my score. This has to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION
State: NC

Complaint narrative:
Yes I had an agreement with someone to purchase an item for XXXX. I sent that person the money for the item. After a week of him saying he will send the item, I do n't hear from him for a day or he ignores me. After a week, he says he needs more money before he will send what I paid for. He of course is refusing to refund the money. I filed a dispute with my bank and sent them the original proof for the agreement to send the item, and then another picture showing where he said he needs more money before sending. The dispute team for my bank refused to refund the money. On their website, it says in covered by Visa Zero Liabilty for fraud, however they will not agree that o deserve the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: TN

Complaint narrative:
I had an autoloan with BB & T Bank that was part of a Chapter XXXX Bankruptcy. I filed for protection in XX/XX/XXXX Case # XXXX this was dismissed prior to the confirmation due to a clerical error but payments were still being made to the trustee. This Case # XXXX followed and again due to clerical error was dismissed prior to confirmation but payments were still being made to the trustee. Case # XXXX replaced the previous cases and was dismisses AFTER CONFIRMATION in XX/XX/XXXX due to loss of employment. 
At issue is the reporting by BB & T stating that I was past due while in the chapter XXXX and that payment was not received. Payments were sent by the XXXX Chapter XXXX Trustee to BB & T while the case was EVOLVING from the INITIAL CASE FILING # XXXX. 
I have sent a formal letter to BB & T in XX/XX/XXXX with no response and filed an online dispute through XXXX. The online dispute response stated that BB & T has changed the report showing that the account was paid but still shows XXXX missed payments from XX/XX/XXXX ( initial filing ) until XX/XX/XXXX ( case dismissed ). The Trustees office shows that payments were made and received by BB & T starting in XX/XX/XXXX. 
When I had voluntarily dismissed my case in XX/XX/XXXX, I paid BB & T the final payoff for the XXXX XXXX and received the title upon payment. 
I wish to have the late payments adjusted accordingly and fairly. I retired from the XXXX and have XXXX that prevent me from employment. I incurred these debts and have been working towards repaying XXXX my debts back to the Creditors. All I ask is that I be treated accordingly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
My complaint is about PAY PAL. 
Pay Pal charged my account about {$XXXX}. 
Pay Pal claimed this was a chargeback ( probably from a credit card company ) arising due to a 3+ month old transaction. I was told that the ( Ebay ) buyer had not authorized the purchase. There was no dispute about shipping, arrival or non-arrival of the item and the item was never returned to me. I believe that this dispute is between the buyer and the credit card company about an unauthorized transaction. I performed in good faith by shipping the item ( and I can prove it but choose not to do so ). Pal Pal is illegally taking ten dollars from my account. Pay Pal should exclude me from this dispute automatically. I should not have to provide any documentation ( shipping tracking information ) about the disputed transaction because there is ZERO evidence that I did anything wrong. Pay Pal should be restrained by XXXX from taking money from Pay Pal accounts when there is no evidence of wrongdoing by the account holder AND the account holder is NOT a party to the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Access Financial LLC
State: OR

Complaint narrative:
XXXX keeps calling for an employee at work. Employee is in XXXX - employee sister owes the debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Praxis Financial Solutions, Incorporated
State: PA

Complaint narrative:
Some guy from Praxis Solutions ( telephone # XXXX ) contacted me about a debt I attempted to pay several years ago for which i have received NO written communication for years. Said I had to make telephone arrangements to pay the debt -- but when I requested a letter -- he refused and then threatened to report me for refusal to pay -- to put it on credit report. I said I was not refusing to pay, but wanted a written communication first. He became non-negotiable and then ended the phone call -- hanging up on me. This was for an old XXXX card I have made several attempts to track down, yet have not received any communication from them. This guy was nasty and abusive.

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 2015-05-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
Returned item to XXXX and purchase was not refunded to XXXX Credit Line administered by Synchrony Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I contacted USAA and asked for guidance. I was nearing the conclusion of the escrow for my home at XXXX., XXXX , CA XXXX. My home was under construction and nearing completion. My question was to a loan officer. I needed guidance as to what I could do to finish the back yard and other finishing construction needs once I closed on my home. I knew that I would have {$30000.00} in equity upon closing between the purchase price and the value of the house without the upgrades. 
I was advised to take out a personal loan with the purpose of converting it into a Home Equity Loan after closing. I was concerned that the payment was high and told the loan officer that I could only carry that payment of over {$700.00} for two months at the most. I was assured that I would only be responsible for that payment for 30 days at most. After several days of consideration and discussion with knowledgeable friends, I consented to the arrangement on the condition the loan would be converted right after closing in XX/XX/XXXX 
I closed on my home, activated the USAA loan as agreed, and called to convert it to an Equity Loan in XX/XX/XXXX per our agreed plan. 
I was told nothing could be done at all because USAA 's technological system was being updated. 
I called in XX/XX/XXXX and was told the system was being updated and nothing could be done. 
I called in XX/XX/XXXX and was told the same thing. 
I called in XX/XX/XXXX XXXX times and was told the same thing. 
I called twice again in XX/XX/XXXX and was told the same thing. 
I called three times in XX/XX/XXXX and was told the same thing. 
I called multiple times in XX/XX/XXXX and was told the same thing. 
I called in XX/XX/XXXX many times. The third or fourth call I was told USAA was not granting Equity Loans any longer. 
I asked what other options I had, and was not guided in ANY way. 
I called back in XX/XX/XXXX and was not guided or helped. 
I called back in XX/XX/XXXX and was told to go to another institution. I was not guided as to what institution or what to ask for. 
I called back in XXXX XXXX and was not given any options by USAA. 
I called multiple times in XX/XX/XXXX and was just told to hurry up and find something. 
I have requested someone from your office to contact me for help in finding a reasonable product. I have made this request in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not heard from anyone in your office and it is XX/XX/XXXX. 

USAA Banking knew from the beginning that I was seeking an equity loan not a personal loan with a monthly payment of over {$700.00}. An equity loan came with a monthly payment of {$350.00}. I was purposely put of with the objective on USAA 's part to keep me at the $ XXXX monthly payment when they knew from the beginning that I did NOT ask for or seek in any way a personal loan!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Collins Asset Group, LLC
State: CA

Complaint narrative:
I disputed a collection account that is still showing as an " open account '' ithis s account was discharged in my bankruptcy XX/XX/2015. I called the collection co. in question after viewing my XXXX credit report. i was told by the collection co. rep " XXXX '' that the account is being reported correctly. spoke to attorney XXXX and was told they have to update and report the account correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: CT

Complaint narrative:
I loaded money on my RushCard Visa @ XXXX. I logged onto my account & my money was n't loaded on my RushCard. I called RushCard & waited on the phone to talk to a rep for 2 hours. I finally got tired of waiting for a rep so I hung up. I 'm so disgusted, disappointed & upset. I called the number on my XXXX receipt for a refund, I typed my card number & XXXX digit security #. It said my card was invalid. That 's XXXX! My RushCard is n't invalid. I want my {$52.00} + {$3.00} reload fee refunded.

Company response to consumer: Closed with monetary relief