vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-01 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: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
XXXX XXXX {$350.00} and {$530.00} There are no contracts, no valid claims ... accounts were settled with original creditor ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation ... it is against the law to attempt to collect a debt twice Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX {$350.00} and {$530.00} There are no contracts, no valid claims ... accounts were settled with original creditor ... XXXX XXXX XXXX XXXX XXXXI want these accounts removed immediately or litigation ... it is against the law to attempt to collect a debt twice Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law  and is a violation of my rights..

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 2018-12-01 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:
Equifax has been non-compliant with removing the unverified account XXXX  XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Navient withdrew an unauthorized payment from my bank account on XX/XX/2018. I did NOT authorize this payment and I certainly did NOT authorize it to be taken automatically. They did not withdraw this amount in the month before, so Im confused as to why they withdrew for XX/XX/XXXX. This is not the first time this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: LTD Financial Services, L.P.
State: PA

Complaint narrative:
This number tried to call me before XXXX XXXX today, Saturday XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I am currently XXXX XXXX XXXX and have been for 20 years. My student loans were consolidated via Sallie Mae ( now Navient ) back in XX/XX/2006 and I discovered a few years back that they type of consolidated loans they recommended me into do not meet the criteria for Public Service Loan Forgiveness Program, so now I am stuck making payments on what still remains to be a {$20000.00} debt ( at 4.25 % ), when I feel I should have been guided by them to consolidate into a loan type that could have been forgiven. I have continued to make my payments on time and my account is in good standing. I am still honorably serving my country and am asking for assistance in seeing if this student loan debt could somehow still be forgiven via that program. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
A few months ago I got overcharged with overdraft fees. I called my bank and they fixed the problem but told me that it was a one time deal. That I would have to manage my money better. I took they advice and set up alerts. I am to get alerts when my account reaches {$100.00} and another when it reaches {$50.00}, this way I won't get hit with overdraft fees. For a bit it was working but then my bank stopped sending me text alerts and stopped emailing me. When I tried to discover the problem they said that I needed to " update my contact info ''. I did that seven times and even went to the bank and called them. I thought it was resolved. Then I started noticing that my statements were coming in later. I thought it was fine since I was keeping track with my spending thanks to the app. However, on the XXXX, my bank tells me that I am over {$500.00} in debt! I was just buying groceries. They didn't post any of my transactions making it seem like I had more than I did and then they charged me overdraft fees. I went to pay for a cab and then my card was denied. I checked my account and saw what they did. I thought that they put a hold on my account since some payments didn't go threw. I knew that I was getting paid in a couple of days so I didn't sweat it but even that was a lie. They blocked some transactions but let others go threw while I wasn't monitoring it so they could charge me more overdraft fees. They charged me 11 times for overdraft fees for purchases I made a week ago that are just now coming up. All together it accounts to {$380.00} dollars. The bank is Wells Fargo.

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 2018-12-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I initially requested an investigation of a fraudulent debt on My Equifax credit report XX/XX/2018 and Equifax failed to do so. 

On XX/XX/2018 I received an email from Equifax ( as attached ) stating a reinvestigation. It has been over 30 days and the fraudulent debt from XXXX XXXX XXXX is still on my equifax Credit Report. 

XXXX  And XXXX  have both proven the debt to be fraudulent and removed & blocked it from my credit report, but XXXX  refuses to do so without validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My dispute has to do with a Citibank, NA Master Card. In XX/XX/2018 fraudulent charges appeared on the activity page on Citibanks website for my card. I notified Citibank and told them of the fraudulent charges. They closed the account and issued me a new card with a new account number. However, when they brought charges over from the old card these included the fraudulent charges. I notified Citibank by phone and was told that the error would be corrected. At the same time, I discontinued use of this card. From that time until the end of XX/XX/2018, I have received no statements nor any other correspondence from Citibank. These accounts had been setup for automatic bill payment. 

In late XX/XX/2018, I received a notice dated XX/XX/2018 from XXXX XXXX XXXX stating that they were attempting to collect a debt owed Citibank for the Master Card in the amount of {$200.00}. I attempted to go onto Citibanks website to view any activity on either of the cards. No information was available because the accounts had been closed. I then called Citibank at the customer service number listed on the back of the card and was routed to their internal credit collections department. I explained the situation to them and asked for copies of the statements showing the activity on the master card. I was told that since the amount on the card was now in collections, they had no information. 

I then contacted XXXX XXXX XXXX and made the same request. They told me they would send me 12 months of statements. To date I have received nothing. 

On XX/XX/XXXX, I received for the first time a statement from Citibank for {$200.00} plus {$37.00} in fees plus {$2.00} in interest. I contacted XXXX XXXX XXXX by phone and email but have received no response from them. I contacted XXXX credit collection bureau again and was told this time that they would provide me with the last 12 months of account statements but it would take 30 days. They refused to discuss the additional fees and interest charges. 

This has effected both my husband 's and my credit score. We have excellent credit. My intent is to get this resolved as quickly as possible but I am receiving no cooperation from either Citibank nor 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 monetary relief
Consumer complaint received 2018-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
CapitalOne offers disbursement of cash back rewards in the form of mailed checks. I have twice requested, and never received, a cash back reward check from them, although I have waited the 2-3 weeks they say it will take the check to arrive each time. On XX/XX/18 I requested the first check. I never received it, so on XX/XX/18, I asked that the check be canceled. On XX/XX/18, I requested a second check. I have not received that check either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-01 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 — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
After I mailed several detailed letters over a course years, sent directly to companies and all 3 credit bureaus I never received favorable resolutions with most, but a few that resulted in totaling cancelling any store credit accounts and credit cards, including any negative reporting to credit bureaus. 

Please note, my father : XXXX XXXX XXXX is currently my legal guardian, and he has been and still is a major force, and instrumental in all my personal and financial business, who continues to help and support me in this matter. For any future reference to this case, the XXXX has my approval to contact XXXX and discuss anything, and he also has my permission act on, make decisions on my behalf ( please see attached copy of proof of legal guardianship ).

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 2018-12-01 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
They continue to report the information on my credit report incorrectly - I have reached out to them and all three credit bureaus on at 3 occasions via certified letter return receipt and they refuse or choose to not even respond. I believe this is due to religious discrimination so I am now reaching out to you to have them correct my three credit reports and report the account as current as I am disputing the reporting as being inaccurate according to my records.

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 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My dispute has to do with a XXXX, XXXX Master Card. In XX/XX/2018 fraudulent charges appeared on the activity page on XXXX website for my card. I notified XXXX and told them of the fraudulent charges. They closed the account and issued me a new card with a new account number. However, when they brought charges over from the old card these included the fraudulent charges. I notified XXXX by phone and was told that the error would be corrected. At the same time, I discontinued use of this card. From that time until the end of XX/XX/2018, I have received no statements nor any other correspondence from XXXX. These accounts had been setup for automatic bill payment. 

In late XX/XX/2018, I received a notice dated XX/XX/2018 from XXXX XXXX XXXX stating that they were attempting to collect a debt owed XXXX for the Master Card in the amount of {$200.00}. I attempted to go onto XXXX website to view any activity on either of the cards. No information was available because the accounts had been closed. I then called XXXX at the customer service number listed on the back of the card and was routed to their internal credit collections department. I explained the situation to them and asked for copies of the statements showing the activity on the master card. I was told that since the amount on the card was now in collections, they had no information. 

I then contacted XXXX XXXX XXXX and made the same request. They told me they would send me 12 months of statements. To date I have received nothing. 

On XXXX XXXX, I received for the first time a statement from XXXX for {$200.00} plus {$37.00} in fees plus {$2.00} in interest. I contacted XXXX XXXX XXXX by phone and email but have received no response from them. I contacted XXXX credit collection bureau again and was told this time that they would provide me with the last 12 months of account statements but it would take 30 days. They refused to discuss the additional fees and interest charges. 

This has effected both my husband 's and my credit score. We have excellent credit. My intent is to get this resolved as quickly as possible but I am receiving no cooperation from either XXXX  nor 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 2018-12-01 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: SC

Complaint narrative:
They continue to report the information on my credit report incorrectly - I have reached out to them and all three credit bureaus on at 3 occasions via certified letter return receipt and they refuse or choose to not even respond. I believe this is due to religious discrimination so I am now reaching out to you to have them correct my three credit reports and report the account as current as I am disputing the reporting as being inaccurate according to my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
I applied for this account and was approved in 2016. I requested to have XXXX XXXX as a authorized user on the account and apparently he then added himself without my authorization as a joint applicant. I was under the impression the account was still open but he took it upon himself to close the account due to divorce. we were never a married couple and he had no authority to do this cause I never approved putting him as a joint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: VW Credit
State: GA

Complaint narrative:
XXXX XXXX appears to have intentionally destroyed my credit as well as the coborrower on the account. They offered me an extension, deferment on my account and clearly stated multiple times this will not report derogatorily as the account will be brought to current. I paid {$390.00} for this deferment and followed up with XXXX XXXX multiple times to make sure deferment cleared. Each time I was informed by representative that were back logged but no worries it will be processed and will not affect your credit. Five days later my credit score as well as coborrower 's score decreased by 60 points. I have called XXXX multiple times and their reps always say it will be corrected carelessly. It still hadn't been corrected. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MARINER FINANCE, LLC
State: MO

Complaint narrative:
On or about XX/XX/2018 I took out a loan from Personal Finance in XXXX Mo and purchased additional insurance for " involuntary unemployment '' around the month of XXXX or XXXX I was laid off from my former employer and filed a claim on said insurance however they refused to payout or cover loan payments stating I was seasonal although a Regional Director & District Manager can and will testify I was advised I was a full time employee but insurance I diligently paid for thru personal finance XXXX mo refused to cover me therefore putting me in an " economic hardship '' I intend to counter sue if they take action however recently and without my consent Personal Finance continues to run hard pulls on my credit I have demanded I revoke any original consent and they refuse to allow me to revoke my consent to do so this company sold me insurance that they knew wasnt going to cover me and they need investigated and fined for their frivolous actions. Shame on personal finance 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 2018-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : NATIONAL CREDIT SYSTEM Account Number : XXXX Date : XX/XX/2018 Amount : {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
Someone at Western Union used my account and debit card without authorization. I was charged {$440.00} two times recently. I authorized one transaction to XXXX XXXX on XX/XX/30 for {$400.00} plus the service fee. 

There is an additional {$440.00} deducted from my account from western union under the title bill payment. Which I did not authorize. Please fix this issue as soon as possible because I need the funds. It is my sons birthday, and I need the {$440.00} you took out of my account without authorization.

Company response to consumer: Closed with explanation