vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I recently read about government action taken against Wells Fargo in regards to student loans ( Administrative Proceeding : XXXX-XXXX-XXXX ). I received a student loan from Wells Fargo in 2005. I was wondering what I needed to do to see if I was effected by this action.

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 2019-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My XXXX year old XXXX  father deposited a check from another bank - an investment account - to his Bank of America checking account. The investment account requires my father to verify the authenticity of the check. Bank of America rejected the deposit because his signature was shaky - due to his age. They did not call him or communication in any way with him but reversed the deposit from his account and then wrote him a letter, which he received EIGHT days later. He wrote many checks on the Bank of America account after he deposited the money on reliance of the deposit. 

The night my father received a letter I spent over two hours on the telephone with Bank of America. They refused to resolve this matter other than to say he had to bring a new check into the bank and hopefully it would not be rejected. I explained over and over to them t that the closest bank is not accessible for him and he could not get someone to do it for him tomorrow - we are concerned that the checks he had written were going to bounce causing him significant embarrassment and hassle. He just came out of 5 hospitalizations over the last 3 months. 

List of problems and refusals to help : 1. Rejected a deposit without any communication with the customer. 
2. Refused to redeposit the check once it was verified that it was written by the customer. 
3. Refused to stop any rejection of checks written on the account. 
4. Refused to have a manager with authority to handle the situation come to phone to address the situation or handle it prior to noon the next day. 
5. Refused to contact the fraud department ( department who rejected the deposit ) by email, phone or fax to advise them of the problem. 
6. Refused to have any communication with anyone before noon eastern standard time. 

As an additional problem, the first customer service person refused to validate his account with him any way other than by text. My father does not know how to use a microwave let alone text - he does not even have a smart phone. I did not realize that being old disqualified one from service at this bank.

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 2019-04-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
An inquiry was made to address the unauthorized creation and migration of accounts by bank staff. When it was asked about how this happened it snow balled from there. When inquiry was made of a CD opened XX/XX/XXXX no record could be found as stated by Wells Fargo 's staff whether opened or closed? This follow up was in accordance to a claim for faulty opening and creation of alternate accounts. This included a bank checking & savings account and a credit card both bareing the names of each of us. We had been customers for over 40 yrs as my wife was once the XXXX XXXX to the banks V.P. a position she left in XXXX. In XX/XX/XXXX my wife passed away, I then closed the checking & savings accounts along with submitting a claim to collect the last of cash deposits followed by paying off the credit card we held together. I soon received a letter from the bank informing me that that had closed my credit card after the last payment and where discontinuing my access, thanking me for their business. They clearly sought to divorce themselves of any involvement with me and my wife. I still retain proof of all accounts with Wells Fargo and am also a claimant in the lawsuit. I have yet to receive any answer to the savings CD we established. The document is signed by the bank representative with instructions noted that at maturity it is to be reinvested. To access the funds, both parties are required to sign for the money to be cashed out. This never happened!

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 2019-04-17 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: NJ

Complaint narrative:
THIS CREDIT REPORTING AGENCY ( XXXX ) IS ( ARE ) BIAS AGAINST CONSUMERS AND ONLY ACCEPT AS EVIDENCE WHAT THE CREDIT CARD OR REPORTING COMPANY ( XXXX  ) REPORT TO THEM. I WAS ISSUED A CREDIT CARD BY XXXX XXXX XXXX   WITH A CREDIT LINE OF {$1000.00}. I USED THE CARD AND MADE REGULAR PAYMENT, AND KEEP A RELATIVELY LOW BALANCE.

IN THE FALL OF XX/XX/XXXX I NOTICED FRAUDULENT ACTIVITIES, I REPORTED TO XXXX XXXX XXXX AND THEY CANCELLED THE CARD, SENT ME A NEW CARD AND ELIMINATED THE BALANCE. THEY ISSUED A NEW CREDIT ACCOUNT AND A NEW CARD WITH XXXX  ( XXXX ) BALANCE, IT WAS A FRESH START. THE NEW CARD ARRIVED MID XX/XX/XXXX. ON XX/XX/XXXX I ACTIVATED THE CARD AND USED AROUND CHRISTMAS AND MADE 3 PURCHASES TOTALING {$430.00}, THERE AFTER NEVER USED THE CARD AGAIN. IN XX/XX/XXXX, I RECEIVED THE FIRST BILL WITH A BALANCE OVER {$3000.00}. I WAS SURPRISE, HOW IF I ONLY HAVE {$1000.00} CREDIT LIMIT THE BALANCE CAN REACH SO HIGHT. MANY TRANSACTIONS AND CASH ADVANCES FROM FLORIDA, NEVADA, NY AND OTHERS PLACES WERE MADE. PAYMENTS AND PURCHASES FROM MANY PLACES. AS SOON AS I REPORTED, CREDIT ONE SENT ME A NEW CARD, I DID NOT ACTIVATED, HOWEVER THEY STARTED TO REQUEST PAYMENT AT THE SAME TIME. I KEPT TELLING THEM THAT IS NOT MY BALANCE, I DID NOT CHARGE ANYTHING AFTER XX/XX/XXXX. THEY CONTINUE TO THIS DAY HOLDING ME RESPONSIBLE AND REPORTING LATE AND NEGATIVE INFORMATION ABOUT ME.

I HAVE CONTACTED THE THREE MAJOR CREDIT BUREAU TO INVESTIGATE, HOWEVER THEY ONLY ACCEPT AND BELIEVE THE CREDIT CARD COMPAY, XXXX XXXX XXXX. THE FRAUD CONTINUE AND CREDIT ONE KEPT PURSUIT ME TO PAY. I KEEP TELLING THEM, I DID NOT MADE ALL THOSE CHARGES.

I AM TIRED OF THIS AND THE DAMAGE THE NEGATIVE WRONG INFORMATION CREDIT ONE CONTINUE TO GIVE THE CREDIT BUREAUS. I HAVE CONTACTED THE 3BUREAUS AND THEY CONTINUE TO REPORT THE BAD INFORMATION.

THIS HAS AFFECT MY CAREER, MY JOB, MY LIFE AND HAVE MADE IT DIFFICULT TO CONDUCT BUSINESS BECAUSE THE THREE MAJOR BUREAUS CONTINUE TO REPORT DEROGATORY. I HAVE ENOGHT EVIDENCE AND WILL PROVIDE IT TO YOU, AND IN COURT. IF YOU AS CONSUMER PROTECTION AGENCY DON'T DO YOUR JOB, AND ASK THE THREE BUREAUS TO STOP ACCEPTING NEGATIVE INFORMATION FROM XXXX XXXX XXXX, I WILL SUE THE BUREAUS. I WILL SUE THIS AGENCY FOR FAILING TO PROTECT MY RIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I was supposed to have only one overdraft fee and now I had six overdraft fees for when i only took out {$300.00}!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Never received any communication from this company that a medical bill was forwarded to them without my permission. I never gave them permission or signed a document which allowed them to receive my personal information

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 2019-04-17 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: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
This complaint is against Chase Credit Cards, a part of J.P. Morgan Chase Bank, N.A., doing business as Chase Bank. 

As a Chase Sapphire Preferred credit card customer, I was subjected to a fraudulent charge of {$290.00} from merchant XXXX XXXX XXXX XXXX based in XXXX XXXX, XXXX, XXXX. Listed transaction date was XX/XX/2019 and transaction posted date was XX/XX/2019. Transaction reference number is XXXX. 

I filed a dispute for the full amount of {$290.00} on XX/XX/2019. Case number is XXXX. Somehow and without any sound reasoning, Chase opened a duplicate dispute for the same transaction and assigned in case number XXXX dated XX/XX/2019. 

The original dispute stems from the fact that the merchant charged me twice for the same car rental, or they forged a second car rental contract and charged it to my Chase credit card, which was provided to them for incidentals only. 

The original car rental reservation was prepaid by a different ( non-Chase ) credit card. Chase was provided documented evidence ( receipt and reservation confirmation ) of that rental from the very first dispute filing. 

I had only authorized my Chase credit card to the rental desk clerk for incidentals/damages on my prepaid rental. I never authorized any other charge on it. That evidence was completely ignored by Chase. 

Furthermore, I believe Chase gave the merchant more than the 30 days they said they provide to merchants for replying to disputes. I called Chase customer service close to the 30-day mark and was told by an agent that the dispute was ruled in my favor because the merchant never replied.

Then around the 35-day mark Chase forwarded documents from the merchant showing fraudulent signatures that bore zero resemblance to my authentic signature. I contested the fraudulent signatures within the allotted time via paper mail, as well as via Chase 's internal online messaging system. I reiterated the fact that I had already provided proof of payment to merchant via another credit card. I asked why that was ignored. 

Both, my letter, as well as my secure email message to Chase were completely ignored ( I have proof ). They re-billed the {$290.00} to my credit card account and back-dated it to XX/XX/2019. 

I'm confident that the facts and supporting evidence of this dispute will clearly demonstrate that Chase has committed unprofessional and unethical conduct. They are bullying a consumer who has been defrauded. I have excellent credit, and I take pride in fulfilling my financial obligations. However, I refuse to be defrauded and pushed around. I will hold steadfast to my principles by never paying a dime of that {$290.00}, and I kindly request a thorough investigation of Chase 's business practices pertaining their dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Bureau, Inc.
State: GA

Complaint narrative:
I mailed several Debt Validation/Verification letters on XXXX and XXXX to american credit bureau inc for a debt in the amount of {$650.00}. I sent these letters with proof from the post office to verify receipt and still have not received a response and/or the documents requested. I have complied with all credit reporting laws and have given them the appropriate time by law for them to respond.They have failed to comply with the laws of the FCRA for not sending me Validation/verification of the debt. I would like for them to delete from all credit bureaus.

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 2019-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received several back-to-back phone calls from +1 ( XXXX ) XXXX on XX/XX/2019 beginning at XXXX XXXX. Every call would ring my phone once or twice, but before I could answer, they had ended the call. This was highly inappropriate as I was at work and with customers. After work, I XXXX the number, and discovered it was Portfolio Recovery Associates. A debt collector. I do not owe any debt nor do I have any dealings with this company at all. I guess they think its amusing to repeatedly prank call my phone at least five times within a ten minute period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 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: AL

Complaint narrative:
I contacted the creditors who placed these inquiries, and asked them to remove them from my credit profile. I also asked them to cease their illegal activities immediately, which they have! 
However, the credit reporting agencies have violated the FCRA and continue to do so EVEN after speaking with them 3 times!! They have received communication from myself and the creditors but when speaking with them they have advised that they can not and will not delete the inaccurate information. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-04-17 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I paid for a service I saw in XXXX and the items were never sent. They deleted the account and have not responded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
As of XX/XX/2019 : Portfolio Recovery Associates, LLC continues to refuse to provide me proof of signature, proving that I have a line of credit with their company. I do not and they do not have proof of signature of any contract of a line of credit with them. Furthermore, the two companies they are claiming they have bought debt and that I owe them money, XXXX XXXX and XXXX XXXX, Both companies, XXXX XXXX and XXXX XXXX also do not have proof of a signed contract between me and them. NO ONE has proof of a phone call/application being made, video surveillance of an application being made, proof of my legal signature. They don't even have my legal name, the way I apply for and sign all documents : XXXX XXXX XXXX. 

I have been going round-and-round with Portfolio, XXXX, XXXX, XXXX XXXX, XXXX and XXXX for over a year while fighting XXXX. I do not own these accounts. I never opened these accounts. Under the law, I have the right to sue for {$1000.00} for defamation of character for each offense. That is indeed my next step if ALL COMPANIES do not immediately remove these accounts from ALL credit reports and send me a letter of apology, removal and a check for {$1000.00} per report. FCRA 623 and FCRA 609 I am grouping all of this together. I want XXXX removed. I want XXXX removed. I want all Portfolio Accounts removed. FROM ALL CREDIT REPORTS. I willing to now follow through with law suit and my request for financial payment if they simply close and REMOVE all accounts IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have had my loans in deferment for some time and then was scheduled to start making payments. I was making payments as much as I could but could not keep up with the payments for my XXXX degree when they were as much as my mortgage payment. 

I informed Navient that I was going back to school for the XXXX XXXX and they said I could defer the payments if my classes started before XX/XX/2018. I cant control when the classes start and it was conveniently too late to defer payments when the classes actually started. Navient offered to lower payments but would only do it if I provided my bank/credit card information to them so they could automatically withdraw payments. After learning of their lawsuit I was not comfortable with doing this. Now they have my loans in my credit report as a charge off and on a monthly basis report it as a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: MI

Complaint narrative:
PER REPORT XX/XX/2019, TRANSUNION I have continued to report this to the CFPB and nothing happens. TransUnion and XXXX continue to report XXXX XXXX accounts on my reports even though I have provided documentation from the courts showing they are to be removed IMMEDIATELY with signature by the honorable judge. It is like these accounts never existed and they are not allowed to be on the report. XXXX removed them with zero issue. 

Furthermore, I continue to get the attached letters from XXXX XXXX that they need more information. More proof they don't even have anything on file that proves these are my accounts. FCRA 609/623 states they must remove them. Copies of bills do not constitute as proof. Zero video, zero phone call, zero proof of signature. No request of WHO, WHAT, WHERE and WHEN were these accounts verified and accurate with! 

Going back to the legal documents signed by a judge -- they have to be removed -- PERIOD

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 2019-04-17 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: MI

Complaint narrative:
PER REPORT XX/XX/2019, XXXX I have continued to report this to the CFPB and nothing happens. XXXX  and Experian continue to report XXXX XXXX accounts on my reports even though I have provided documentation from the courts showing they are to be removed IMMEDIATELY with signature by the honorable judge. It is like these accounts never existed and they are not allowed to be on the report. XXXX   removed them with zero issue. 

Furthermore, I continue to get the attached letters from XXXX XXXX that they need more information. More proof they don't even have anything on file that proves these are my accounts. FCRA 609/623 states they must remove them. Copies of bills do not constitute as proof. Zero video, zero phone call, zero proof of signature. No request of WHO, WHAT, WHERE and WHEN were these accounts verified and accurate with! 

Going back to the legal documents signed by a judge -- they have to be removed -- PERIOD

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 2019-04-17 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: NV

Complaint narrative:
I received a copy of my credit report and I noticed these fraudulent hard inquiries, please remove them from my credit report, these hard inquiries are fraudulent. XXXX XXXX XX/XX/XXXX CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/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