vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-08 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: GA

Complaint narrative:
XXXX, TransUnion and XXXX failed to address the letter sent by XXXX XXXX, XXXX XXXX, Office of the Chairman, stating that the bank misplaced my documentation for more than six mos. Thus, delaying the closing of the sale on the property and damaging my credit score greatly, denying my ability to obtain credit. 
The matter was not resolved. The money was repaid in full. 
The credit bureau failed to remove derogatory remarks as requested. 
The credit bureaus failed to address the issue and resolve the dispute as it should based on information provided by XXXX XXXX and the consumer. 
I demand that the derogatory remarks be removed no later than XX/XX/2019.

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 2019-06-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX and Equifax failed to address the letter sent by XXXX XXXX, XXXX XXXX, Office of the Chairman, stating that the bank misplaced my documentation for more than six mos. Thus, delaying the closing of the sale on the property and damaging my credit score greatly, denying my ability to obtain credit. 
The matter was not resolved. The money was repaid in full. 
The credit bureau failed to remove derogatory remarks as requested. 
The credit bureaus failed to address the issue and resolve the dispute as it should based on information provided by XXXX XXXX  and the consumer. 
I demand that the derogatory remarks be removed no later than XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I started a phone repair claim back in XX/XX/2019, I talked to people from the credit cad services to many times and people will always asked me for new documents, I specific asked one of the supervisor what do I need to resend in order for the claim to be completed and I followed step by step, 10 days later after I email for an update I got told that one bill that I send its not the right one, I send a new one again and again after 10 days me email back for an update I got told I need to resend other documents. At this point Im really frustrated and Im done resending documents, I trusted my credit card with my phone insurance and was a mistake

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 2019-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC
State: GA

Complaint narrative:
I got a flex loan from advanced financial. At the time I had done this many times before successfully with on time pay back in full. 
I lost my job after my divorce and went from XXXX a year to under 20k. The company keeps drafting money that isnt in the account or waits with a pending withdraw until money is in there. On the 1st I didn't have the payment in my account. I stopped by the store and they said it was already being pulled from my account. They drafted every cent I had for my power bill. 
I do not make enough to pay the minimum two week payment of XXXX interest only. I need help. The store said to call the customer line and they would help. I was put on hold after explaining g my request and no one ever came back. I have a photo showing a 38 min call to the company. I am in big financial trouble and no one at Advanced financial will help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX responded to my complaint filed against them and Discover Card for wrongfully garnishing my {$1200.00} on XX/XX/2019. In their statetments, Discover instructed them to remove the levy and return all the money they took from me. The letter ends without providing any Information on how, when, and what way I can expect to get my money back from them in full. They provided only the front desk number and the name of the assigned attorney for me to contact, and the horrors continued. 

After 20 days and numerous attempts I made to reach XXXX about the money, I still have not received my money. The front desk staff refused to let me talk to him, refused to give him my messages, lied to me about his work schedule, closed down the office when they saw me coming. They have tried everything to avoid not paying me back. Please help me talk to these people. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Thee were 5 fraudulent charges on my credit card and numerous fraudulent charges on a debit card that was never used. My mom had to make 3 phone calls to get a provisional credit from my debit card and Credit card but after 20 days we did not get credit for 2 of the charges XXXX and XXXX We constantly get transferred and the average phone call is over 30 minutes. today we were on the phone for 48 minutes and got nowhere

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 2019-06-08 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Name : XXXX XXXX Phone # : XXXX RE : Credit Card Breach at Chase Financial Services. 

Detail Events : -Received fraud alert from Chase on Wednesday, XX/XX/2019 regarding card ending in XXXX. 
-Chase closed card ending in XXXX and issued card ending in XXXX following confirmation that I did not approve the authorization from a merchant named " XXXX '' in the amount of {$0.00}. 
-The card was mailed overnight and received on Friday, XX/XX/2019 via XXXX. 
-I received the card on Friday evening, XX/XX/2019 and added it to my wallet. The card did not leave my house. 
-Received a call from Chase Fraud Team on Saturday, XX/XX/2019 at XXXX PST. Message that my card had been compromised through an inbound call from a phone # ending in XXXX. I advised Chase that the new card had not left my house and asked for additional information on the breach. Chase would not provide more information on the inbound call. Instead they closed card ending in XXXX and issued a new card that mailed via overnight XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I have a Home Equity Line of Credit with Citizens Bank ( @ CitizensBank ). I called them recently to see if I could get a lower rate. 

The sales person told me Yes. All I had to do was apply for the new loan, which would be almost a full percentage point lower. Then, if/when approved, I could just cancel my original line of credit. 

Now that I've started the process, sent in documents, and had a credit check, Citizens Bank tells me the rate will be almost a full percentage point *higher* than my existing loan. 

What a bait and switch! I hate to think what this will do to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
SALLI MAE NOW NAVIENT WAS DELETED FROM ALL CREDIT BUREAUS LONG TIME AGO. RECENTLY THEY RE-INSERTED THIS DISCHARGED LOAN WHICH SOL EXPIRED AND HTEY FAILED TO GO TO THE MEETING OF THE CREDORS IN XX/XX/2018 BK XXXX. LASTLY ARE AWARE THAT THIS DEBT WILL CAUSE FINANCIAL HARDSHIP, DUE TO THAT FACT MY HUSBAND IS XXXX AND I BEING XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank changed their policies on charging monthly fees. They started charging me {$25.00} / month. Many months went by before i noticed. I tried multiple times to telephone them. They have a completely incompetent call center in XXXX that disconnects the line, gives misinformation, etc. You always spend 1 hour trying to call them. After tiring of how poor their service is, I moved to close the account. As part of  that process, I said that I needed to download my checking account statements to save them for my records for taxes, etc. They said I could do so, that my online account would remain open. I went to feed my children lunch and have just returned to the computer and can not access the statements. i contact citibank on " chat '' and they claim i can not access statements. the people in " chat '' take no responsibility for what i've been previously told. after paying {$25.00} / month i can't even get a copy of the statements! This bank is so bad it's unbelievable. I just want to get out of Citibank with my records. Please help!

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 2019-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: CL Holdings LLC
State: OH

Complaint narrative:
Someone else is using my name and information in KY I never lived there and want my info checked out pleade

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: St.John Cobb Inc
State: NC

Complaint narrative:
There is an item from XXXX XXXX XXXX XXXX, a collection agency that hit my credit report on Saturday XX/XX/2019 today and the office is not taking my calls. Someone is there because it is dated today. I just moved into this town. That may have been a mistake and I believe someone is intentionally trying to ruin my credit. This should not be on my credit report and is not a valid debt as it reports a XXXX balance and was not previously reported. It needs to be removed and blocked and the company is not taking calls on the issue. Someone was there to help me because it literally just posted today. 

My guess is that this company collects for the community I moved into last month. The collection agency is in the same town as my community. The community manager is not aware that I saw that my apartment went onto the market after I failed to pay my rent on XX/XX/2019. I paid it on the XXXX having utilized the grace period. They took the apartment off the market on XXXX after discovering that I paid the rent the day before. I have no idea if the community manager was spawned by the XXXX and a lying XXXX at the time, but she did all she could to hold me up from getting into this apartment. They recently left a card on my door with their core values which included serving the TEAM first. Shouldn't they be serving residents?? This was a personal message that they will back one another at all costs. Other residents have encouraged me telling that she will always do what she has to to feel like I am beneath her. It was the nicest way of calling her XXXX without saying the word I guess. I've seen so much come out of her that I can't put it passed her to get a head start on sending me to their debt collection agency prematurely sure of herself that I was not going to have my rent for XXXX on time. I need this company removed and blocked from my credit report until I am done legally following through on all matters accordingly. This is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: FL

Complaint narrative:
Hi i requested a dispute on XX/XX/XXXX for services i paid for but were not provided to me. 

On XX/XX/XXXX and after calling several times on XX/XX/XXXX, XXXX XXXX bank said there is no way they can help me with a dispute because the transaction was done with Square and XXXX XXXX don't have any dispute rights that the only company that could help and i should call is Square. I called Square and they said is incorrect that they were not able to help and this is something XXXX XXXX has to dispute, i kept calling XXXX XXXX and they keep referring me to Square since they are the only company that can fix this according to them. 

Square and XXXX XXXX are both violating my rights and they just dont care, XXXX XXXX said they dont have dispute rights. I was a victim of a fraud, if Square is the one that has to initiate my dispute i need them to help me with this and i need your help also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Numerous unaurhorized atm withdrawal from my bank if America debit 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 2019-06-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
some time on or about XX/XX/2019, i request a copy of my experian credit report and find there was 31 inquire from this compant list as XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX Fl.XXXX. 31 inquire that need to be remove. and there is some inaccuarte account list on this report that not mind. the report end in XXXX XXXX XXXX # XXXX never late. and the secons one is the account # XXXX XXXX  account # XXXX this card dose had a late fee on it and never late .card # with XXXX XXXX XXXX   account # XXXX never late. this card with XXXX XXXX # account XXXX this acount never late. hereis the real fact this inquirres XXXX XXXX i have neve apply for a loan at XXXX XXXX there are three inqurir from XXXX XXXX need to be remove,

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 2019-06-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My complaint is against Macys/DSNB. I had a medical hardship back on XX/XX/XXXX so late payments were reported on XX/XX/XXXX and XX/XX/XXXX( 60 days late ) from Macys Account # XXXX, Opened Date XX/XX/XXXX. I submitted a dispute with Macys on XX/XX/XXXX, kindly asking those late payments reported to  XXXX, XXXX and XXXX  to be removed because of my health situatuion due to my age. I did have the money to pay, but I was at the hospital so it was not possible for me to do it. They requested some documentation so I did send my medical certificate that proves that I was at the hospital when the late payments happened. However, the XX/XX/XXXXcredit reports for all three credit bureaus are still reflecting the late payment history on the mentioned account. I want the late payment history to be removed as soon as possible from my credit reports, if this does not happen, I will take legal action against Macys. 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 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX I reached out to Equifax to help me remove some unfamiliar inquiries from 2017. They informed me that the company was not able to remove them. 

I continued to file a dispute with all of the credit bureaus. The aforementioned inquiries were removed from every bureau except Equifax. I later received documentation from them listing all of the disputed creditors name, address, and phone contact. 

This made reaching out to the creditors simple. My plan was to contact them and inquire about the proper procedure for handling this matter. Since then Ive been redirected several times. The creditors saying we dont have you on file, contact Equifax. Equifax saying that they dont have the power to remove those inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX. I recently received a lending rejecting letter. I was rejected lending from a lender based my Sagestream credit score. " Sagestream '' is consistently reporting inaccurate scores compared to the big three credit bureaus. The letter states my score with XXXX at XXXX while Sagestream reports my score at a XXXX. 
This practice is fraudulent and should be investigated. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
I received 2 Written Threats from Cedars Business Services LLC about 2 different international accounts supposedly from a Bank in XXXX with which I never has any account. 
1st written threat dated XX/XX/2019 for an amount of {$15.00} 2nd written threat dated XX/XX/2019 for an amount of {$2300.00} Both letters are menacing me reporting me to the report me to the credit bureau if I do not pay these debt within 30 days of these present notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
hello today is XX/XX/2019 i pull my experian report its a account that been killing my score with alot off miss leading late dates that is not correct and i been trying to get experian to fix this accounts for months now and they will not budge XXXX and XXXX have fix the problem with in 30 dys by removing the whole account off my report the account iam talking abount is Accunt # XXXX XXXX XXXX payment stautus charge off balance {$15000.00} original balance {$13000.00} ok here are the tricky part the have over 5 120  days lates its not ture and i demand experian to fix this asap or remove the total account off my report they have alot of 90 day and 30 day lates that is a fraud and they will not remove of fix nothing they just run my dispute in there computer system and keep coming back verfield but thats not right i work 12 hrs a day and i be XXXX if i can let experian get away with the service they run over there why is it so hard to remove this XXXX off my report they just pray on people to live with bad credit rest of there lives plz i need this account to be fix NOW

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 2019-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My Capital One 360 checking allowed a unauthorized withdrawal of {$570.00} on XX/XX/XXXX from XXXX. I've never in my life had an account with XXXX. Upon informing Capital One of this I found out they have no clear process to remove this unauthorized and fraudulent transaction. While speaking with employees they aren't able to communicate what actions I have to take to remove this.

Company response to consumer: Closed with explanation