vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-16 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: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I have not received my payroll via direct deposit. I always receive it on or one day prior to my pay date, and now, the American Express Serve company has not answered my concerns, or their phone lines regarding why my funds are not credited to my account. They are withholding my pay, and have not offered to reimburse me late fees for my bills, nor overdraft fees for my accounts. I am without any financial recompense, and do not have any money for food, bills or to commute to work. I have no estimated time when this issue will be resolved. i have filed a complaint with the XXXX as well. American Express is not responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: KS

Complaint narrative:
On XX/XX/XXXX 3 checks cleared my account through US bank and 3 fees due to the merchant for the checks prior bounce. Leaving a positive funds of XXXX. Later on XX/XX/XXXX two electronic payments posted. One for XXXX would of cleared the other for XXXX did not. Of course the bank posted the larger amount causing more overdraft fees because they prey on low income individuals charging enormous fees. When speaking with US bank representatives XXXX and then the manager XXXX  they both said that checks will post to the account first then any Electronic funds. I was charged for 4 overdrafts fees - one for the check fees and the other 3 over draft fees for the electronic fees. I agree there is validity for 2 fees. There is a reverse of one over draft fee on XX/XX/XXXX for a XXXX charge on XXXX which XXXX said there was not a overdraft until I pointed it out ( I dont she was trying to find it ) .the XXXX service was cancelled. Good job there. But if I didnt point it out US bank would of gained another inappropriate overdraft fee. The manager XXXX was rude and short with me on the phone she spoke down to me sounding hostile and I attempted to point out that I had money in the account but I was treated without respect. 

On a different note Now they offer a simple loans ( Or in other words pay day loans ). I applied for but apparently I am over extended and did not qualify for one.

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 2018-10-16 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: NY

Complaint narrative:
I noticed an account open on XX/XX/2018and It was not possible for me to open an account because I was in XXXX XXXX with the police as I was getting away from my ex partner and a victim of XXXX XXXX. I was also in the hospital as well. I believe he stole my information and repeatedly tried to open fraudulent accounts

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 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
{$15.00} Date XX/XX/2018 XXXX XXXX transaction # XXXX XXXX AZ XX/XX/XXXX ( ... XXXX ) This company was one I used in the past. I have cancelled all services and was recently charged. I orginally established the account with an old phone number. They demand to send me a pin via text in order to discuss the account in length. I am unable to update my phone number myself through my account or with them on the phone. They demand that I fill out a document, which I filed, in order to bypass their requirements. I have filled out this form and nothing is moving forward. 

They charged me last year, I gave up on disputing it because they made it too difficult, never recieving the form. 

They want me to do the same process which I believe is going no where again. 

When I explained what happened the representative hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: DC

Complaint narrative:
My direct deposit from work of {$1100.00} was supposed to hit on XXXX XXXX at the latest ( XXXX promises early direct deposit up to 2 days, so initially I was supposed to receive it on XXXX XXXX ). It is now XXXX XXXX and still no funds have been deposited & I'm accumulating late fees from my bills ( Which their rep stated will NOT be reimbursed regardless of the delay on their end ). They also won't give me any information on when the issue will be fixed. I was told yesterday that it would be resolved by close of business yesterday. Today came, and was told the same thing. Only to just keep playing the waiting game and getting the run around from these people playing with my paycheck.

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 2018-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
This collection account from XXXX XXXX was placed on my credit in XX/XX/XXXX. XXXX never sent me written notification to dispute this debt. The month the account was placed on my credit, I immediately disputed the debt. I contacted the original creditor, XXXX XXXX XXXX, with XXXX on the phone on XX/XX/XXXX. While speaking with a supervisor that day, the supervisor was unable to verify the debt, despite the fact that diversified consultants stated they had already verified that account. They also informed me that this account had been delinquent since XX/XX/XXXX but had just been placed on my credit XX/XX/XXXX. I informed the representative at XXXX XXXX XXXX and at XXXX, that I did not owe this debt and the proper steps should be taken to correct this account. Since then nothing has been done. I have yet to receive my right to dispute from this company, or a fraud packet, which should have been sent to my mailing address once I informed both representatives that account is in a result of fraud. Since no action had been taken, I filed an initial complaint with the XXXX. When XXXX responded, they sent billing statements with no information other than my name and the amount owed. I have a current XXXX XXXX XXXX account, so I am fully aware of how the billing statements look. This statement was not itemized. It had no email address attached to it. XXXX XXXX XXXX stated this was a wireless account, but no wireless number was attached to it either. Also, this bill was drafted AFTER the account had reached collections. Nothing was sent prior to this account being placed on my credit account. I will continue to file complaints against this company, regarding this matter until this issue has been fully rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion removed this account off my report From XXXX XXXX XXXX XXXX And now it has been posted back on my credit report. Illegal action 'credit aging ' transunion need to remove this from my credit report and it needs to stay off my report. It has already been removed!

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 2018-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
XX/XX/18. I bank with American Express I have been an honorable customer for years now, and Im not able to receive my direct deposit from AMERICAN EXPRESS SERVE. I get my direct deposit every two weeks on Tuesday around XXXX XXXX and now the company dont know why ANYBODY is not getting their direct deposit there are ppl out there who havent had a direct deposit in a week. Its a national crisis Im not the only one and you will be hearing more of US soon about US not receiving our direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NH

Complaint narrative:
Their response to my issues of poor communication have proven exactly why this company can not be trusted with student loans. They have responded repeatedly with half thought out responses not even addressed to me appropriately that haven't even addressed the issue at hand. They also include lies about their previous responses and handling of situations. This company has been unable to respond to complaints repeatedly over and over and over again and in addition are lying in their responses in formal letters. It is this incompetence and dishonesty that makes this company a poor excuse for a loan servicer. They can not even handle a simple task of taking accountability and addressing simple issues. I need this case to be escalated further and I want the CEO to contact me directly so that the issues at hand can be resolved. Obviously the rest of their staff are unable to take on menial tasks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
Debt collector falsely reported that i made a payment of XXXX $ to keep my account active. Maybe to restart the clock on when it is inactive? 

The company who owns the debt is iq data international

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: GA

Complaint narrative:
NetSpend and XXXX XXXX are giving millions of their customers, including myself, the run around. I usually receive my payment around XXXX XXXX  Tuesday mornings, but no deposit was received this pay period { XX/XX/18 } .. { No prior notice was given, it took me to do a XXXX search to find this info } and because of that has placed myself { and millions of other account holders } in a tough spot due to bills needing to be paid etc.., but no one can give any info, and from what Im viewing online, the reps are giving out conflicting info, one rep even hung the phone up on me.

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 2018-10-16 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: PA

Complaint narrative:
I pulled my credit report and I see that are a reporting a negative account on my file from XXXX XXXX XXXX. This account should not be reporting on my credit report. 
I sent XXXX 2 certified letters to dispute this account on XX/XX/XXXX and XX/XX/XXXX to the address they are reporting on my credit report and what you are reporting for the company. 

Each letter was not able to be delivered as the address in invalid. This company is clearly reporting inaccurate data because the address they are reporting is false. 
Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately. 

XXXX XXXX numbers : XX/XX/XXXX - XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
I received a call on my private telephone number for XXXX XXXX, who is my cousin. I am on the do not call list. At no point in time has he ever used my telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2018 I received a letter from XXXX XXXX dated XX/XX/2018 that they were the new owner of my Mortgage loan as of XX/XX/2018. 

This was news to me considering the fact that I had no contact from Chase bank, so needless to say I thought it might be some type of scam. So I contacted customer service and told them my situation and they confirmed that my mortgage was sold to XXXX. The customer service representative advised that I shouldve received a goodbye letter. She checked the records and advised that I was correct that XXXXhase never sent that letter or any other communication regarding the sale or transfer of my mortgage. I then asked the customer service representative if I could have the documents related to the sale or transfer of my mortgage loan. She put me on hold for two minutes and then advised that I was not allowed to have that information. 

According to the letter XXXX sent to my residence it states that the transfer of ownership has been publicly recorded and that it will be located at the recorders office that maintains the public land records. 

Why would this information be held from me and why would I not be notified of this transfer from the financial institution that I have been with for the last ten years? 

I find it hard to believe that Chase, XXXX XXXX and the Recorders office all knew about the transfer, but the person that pays the loan had no idea until XXXX XXXX  sent them a letter. This maybe a minor problem to a huge financial institution, however my mortgage loan is the biggest part of my financial institution. I feel that this is in very poor taste and if I didnt catch it in time it couldve cost a lot of money in attorney fees. You know if I was late on a payment they wouldve used every means possible to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Received call from ( XXXX ) XXXX about a closed credit card account from XX/XX/2013 regarding the amount of XXXX to be paid in full. The gentleman XXXX XXXX would not state the company he worked for only saying that he is a litigator for the company Wells Fargo. I stated that I have not had an account with them for over 5 years and he stated that in order for them to not take me to court and sue me for over {$3000.00} I would have to pay the full amount or the amount with charges and interest which would be over XXXX. I asked for the information to be sent and he said I would only be able to receive a receipt of payment/payment plan. I gave my email but have received no such information as I refused payment.

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 2018-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent XXXX XXXX a XXXX payment for {$740.00} for rent. A week later my room mate tells me he hadnt received the payment. I went in to my Chase account using the App and that is when I noticed that one of the numbers to the phone number was wrong. I immediately called the back of my debit card and spoke to a representative where I filed my claim. I was told that they would let me know what the outcome would be in about 10 days. They asked me if I knew the person who had received the money who happened to be a XXXX name and I continued to inform them that I didnt know her and that the money was intended to be for XXXX XXXX as stated on the transaction. I received a letter letting me know that the transaction would remain on my account as a XXXX transfer. When I called the claims department to Chase they informed me that in order to retrieve the money from the woman I had accidentally sent it to, that they would need her authorization and that they couldnt get a hold of her. When they called her, she answered, was put on hold and the call was disconnected. They asked me if I wanted them to try a second and third try and I told them yes. Since then I havent heard from Chase. Its concerning that when I open up the Chase app, the XXXX XXXX is there for customers to use and you fully trust that as a financial institution you would be protected if something went wrong. The woman who accepted the money has no right to receive it as it wasnt intended for her. Her name is not XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I spent over two hours on the phone with Equifax trying to resolve an error on my credit report. I explained to Equifax customer care reps that I did not have a confirmation number and that apparently made them angry. When I explained that I had Equifax 's XXXX  service, they had no idea what that was and demanded to know if I had requested a credit report or not, and if not, then how did I have any information about my credit report. 

I first spoke to a rep named XXXX in the Equifax dispute department. She was rude and dismissive. When I asked to speak to her supervisor, she put me on hold for 25 minutes. XXXX who was supposedly her supervisor, who supposedly works out of Disputes in Nevada made me answer the same 20 questions I answered for XXXX and then after answering all 20 answers again ( with actual information from my online accounts, all correct up to the minute ), he said ONE of my 20 answers was wrong ( wouldn't say which one ) and so therefore they will NOT correct the errors on my credit report. 

How can I get the error on my credit report corrected when Equifax is refusing to do so?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Ive banked with XXXX since XX/XX/2011 and they always charge {$12.00} for overdraft protection. Which is basically transferring money from one of my savings accounts to cover for shortages on my checking account. I made a mobile deposit on XX/XX/XXXX which got credited on XX/XX/XXXX, the same day a couple other payments got debited. And yet even though these transactions were supposed to leave with a balance of well over {$300.00}, I still got charged a fee for overdraft protection on XX/XX/XXXX!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16 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

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I purchased using my Bank of America Travel Rewards credit card tokens from a XXXX company XXXX XXXX. I was supposed to receive this token on XX/XX/2018. I first spoke with them on XX/XX/XXXX and read a white paper in which they described the entire project, timelines and payments ( dividends ) Three transactions were made to purchase what were supposed to be tokens ( similar to shares ). Ever since I bought the tokens comunication with the merchant was difficult and almost impossible. On XX/XX/2018 I filled the first dispute with Bank Of America explaining everything and giving them all the evidence that the company was ignoring my petitions and that I allready knew that the merchant was in some kind of legal trouble. 

XX/XX/2018 - {$2000.00} USD XX/XX/2018- {$3700.00} USD XX/XX/2018- {$5000.00} USD

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 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One has been calling and I do not have an account with them. I called and talked to Rep. XXXX today ( XX/XX/XXXX-18 ). I explained that I Do Not have an account with them. I suggested that information associated with my phone number could be the problem. Someone has been calling my number for quit some time now, and it is very annoying. They are calling with " Out of Area ''  numbers. When I answer, the caller hangs up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
the credit bureaus are reporting a collection account on my credit file from XXXX XXXX. I have no knowledge of this account and it should not be reporting on my credit file. 

I was never sent a DV and when i tried disputing directing with the collection agency in XX/XX/2017 they were unable to provide me with an proof that this account belongs to me this account is not mine and should not be reporting on my credit report

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