vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
My student loan is from a private lender called AES ( American Education Services ). I believe this company is operating fraudulently! If you search online you will find numerous complaints similar to mine. Because they are a private lender they claim they can do what they want. 
Heres the issue : I have an excellent credit score and make timely payments every month. In the past I was making extra payments. I occasionally get a letter from AES that says there are new terms to my loan repayment. Each time that letter is a recalculation of my balance and it keeps getting higher! 
It is impossible to ever pay off the loan because once you get close they recalculate and increase the total again. Ive been paying on this $ XXXX loan since XX/XX/2007 and have gotten these letters numerous times. Yesterday I received one and it shows that although I had the principal paid down to $ XXXX, they have recalculated and are adding fees and I now owe almost $ XXXX! This is fraud. I truly believe they are operating dishonestly and illegally. 
Im a hard working individual who pays every month and even was making extra payments on my loan. Im not asking to get my education for free or to not have to pay back my debt. Im happy to pay back my debt and interest however what this company is doing is wrong. This is something that needs to be stopped! Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clarity Services
State: AR

Complaint narrative:
XXXX XXXX, XXXX, CLARITY, XXXX ETC. ARE FALSELY REPORTING NEGATIVE INFO FROM EACH OTHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION
State: GA

Complaint narrative:
I am the holder of Zion 's Bank ( " Zion '' ) checking account number XXXX. 

I DO NOT HAVE OVERDRAFT PROTECTION. 

Perusal of my bank records reveals a selective approval of charges, mostly amounts fewer than {$10.00}, which incurs {$32.00} overdraft charges. 

Since I do not have overdraft protection, the approval of funds is purely discretionary. The bank continues to approve charges which are of a lesser amount to maximize the profit gained via {$32.00} fees. 

In fact, the bank willfully and deliberately ignores its own policy enshrined in contract that " forgives '' overdraft charges where the amount in question is fewer than {$10.00} I have filed multiple complaints against Zion and  even secured a {$190.00} settlement. However, it now appears that the bank is engaging in retributive action and endeavoring to recover the settlement amount ( and much more ) by punitive imposition of fees. 

Throughout XX/XX/2018, I have paid {$380.00} in overdraft fees. I REPEAT, I DON'T HAVE OVERDRAFT PROTECTION. Thus, each and every transaction approved while my account lacked sufficient funds was purely discretionary. EACH AND EVERY TRANSACTION IN QUESTION WAS FEWER THAN {$10.00} WHICH BY THEIR OWN POLICY SHOULD NOT INCURR FEES. 

Throughout XX/XX/2018, I have paid $ XXXX overdraft fees. I REPEAT, I DON'T HAVE OVERDRAFT PROTECTION. Thus, each and every transaction approved while my account lacked sufficient funds was purely discretionary. EACH AND EVERY TRANSACTION IN QUESTION WAS FEWER THAN {$10.00} WHICH BY THEIR OWN POLICY SHOULD NOT INCURR FEES. 

Zion is engaged in a willful and deliberate pattern of behavior whereby minor charges are approved in a bid to maximize Zion 's earning through the OverDraft fees process. And this pattern persists even with the accounts of holders who have opted out of Overdraft protection. 

Furthermore, Zion persists in " stacking '' transactions so that OverDraft fee liability ( even for holders who've opted out of it ) would be incurred resulting in unseen and undeclared charges to holders tantamount to illicit conversion of the funds of account holders.

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 2018-10-31 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: FL

Complaint narrative:
I recently pulled my credit report and it is a COMPLETE mess, now I know that you have MILLIONS and MILLIONS of files to deal with and that is a lot to handle, and mistakes will happen. But C'mon people there are some pretty egregious errors on this thing. Now I am sure you have heard of the FCRA, you are bound by it, so here goes. I am demanding you VERIFY everything that I am disputing on this credit report that is inaccurate. 

Please verify the following information on each of the accounts that I am stating here. 

1. Balance : 2. Credit Limit 3. Payment Status 4. Last Reported 5. Past Due TRADELINE :, 1. XXXX XXXX XXXX 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8.  XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11.  XXXX XXXX 12. XXXX XXXX 13. XXXX XXXX 14.  XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17.  XXXX XXXX 18. XXXX XXXX As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting.

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 2018-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I received 5 calls, back to back, on XX/XX/18. This morning, on XX/XX/18, I already received 2. I receive at least 3 phone calls every day from this number, 7 days a week, to the point that I had to block it in my phone. This has been ongoing for at least thirty ( 30 ) days now. 

I am making payments to a Convergent account on a debt and I am doing so diligently, and this is the only account I have with them. As I am making payments, there is NO need to constantly keep calling 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 2018-10-31 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: VA

Complaint narrative:
I contacted the Bankruptcy court about a bankruptcy thats showing on my credit report, that shouldnt be.. The clerk stated that they do not report to any of the Credit Bureaus or third parties. I disputed this with Equifax and they keep stated that it is reporting correctly, but have yet to provide the name and information of who they received this first hand knowledge from, to show that it is 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: FL

Complaint narrative:
I recently pulled my credit report and it is a COMPLETE mess, now I know that you have MILLIONS and MILLIONS of files to deal with and that is a lot to handle, and mistakes will happen. But C'mon people there are some pretty egregious errors on this thing. Now I am sure you have heard of the FCRA, you are bound by it, so here goes. I am demanding you VERIFY everything that I am disputing on this credit report that is inaccurate. 

Please verify the following information on each of the accounts that I am stating here. 

1. Balance : 2. Credit Limit 3. Payment Status 4. Last Reported 5. Past Due TRADELINE :, 1. XXXX XXXX XXXX 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8.  XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11.  XXXX XXXX 12. XXXX XXXX 13. XXXX XXXX 14.  XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17.  XXXX XXXX 18. XXXX XXXX As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting.

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 2018-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made a payment through XXXX XXXX using my Wells Fargo business debit card. The intended recipient never recieved the payment since there was another individual with the same name. XXXX XXXX instructed me go to my bank branch manager to  dispute the claim if the teller could not assist. The dispute was filed by phone and denied. XXXX XXXX reports they can not do anything without the bank disputing the claim.

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 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Accurate Background
State: IL

Complaint narrative:
You have the wrong person- I am not that person

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: AR

Complaint narrative:
CHEXSYSTEM, XXXX, XXXX, XXXX XXXX ARE SHARING MIS INFO ABOUT ME AND PULLING INQUIRES. ALSO, REPORTING NEGATIVE INFO FROM OTHER 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 2018-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Checked credit report and see there is a new collection added to report. I haven't received any correspondence of a debt to dispute and have never dealt with this company. I don't have any contracts or legal obligations to this company. Please provide proof of validity. Delete from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Lending Club Corp
State: NJ

Complaint narrative:
I received 5 calls, back to back, on XX/XX/18. This morning, on XX/XX/18, I already received 2. I receive at least 3 phone calls every day from this number, 7 days a week, to the point that I had to block it in my phone. This has been ongoing for at least thirty ( 30 ) days now. 

I am making payments to a XXXX account on a debt and I am doing so diligently, and this is the only account I have with them. As I am making payments, there is NO need to constantly keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: AR

Complaint narrative:
XXXX, XXXX, XXXX, XXXX ETC.. ARE SHARING MIS INFO ABOUT ME AND PULLING INQUIRES. ALSO, REPORTING NEGATIVE INFO FROM OTHER 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 2018-10-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In mid XX/XX/XXXX I extended the lease on my XXXX XXXX XXXX with XXXX XXXX. From the first billing Cycle chase began to have a on-boarding issue with payments on my account where I made payments and the payments would be applied to the previous month and create a credit for the month prior and delinquency for current cycle. I was unaware of this issue until mid XX/XX/XXXX when I applied for a mortgage. The lender ran my credit and brought to my attention that chase has been reporting me late to the credit bureaus and I would not qualify on that basis for my loan. I called chase to resolve the matter. I discussed with them at length the issue and it repercussions for myself and my family and I was told that they will not remove the late payments and delinquency from my reporting because it is out of there capacity to do so. I proceeded to hire a specialist to dispute this on my behalf to correct this error so I can Recover and move on with my life. On XX/XX/XXXX I called chase again and asked what it would take for them to show my account as current and in good standing to which they replied I must make a payment of {$1000.00} which I did. My Billing cycle for this account ends on the XX/XX/XXXX of every month. In order to insure myself against future on boarding Issues that may occur with this account I requested a letter of good standing that the account is current and the next payment is due on the XX/XX/XXXX. I went about making my XXXX and XXXX payments for this account on time. In early XXXX I began looking into a new car for lease and Opted for a newer model of the XXXX XXXX XXXX I had. When I began the process It was brought to my attention again that chase had again inaccurately and erroneously reported me late yet again. When I called chase they said I am not late and have no late payments so I asked why Am i being reported late for XX/XX/XXXX they said they don't know why I asked them to correct this and they refused. I have exhausted all means by which to approach this and remedy this with chase and I am in dire need of intervention to correct this and allow me to pick up the pieces from the damages that has come from this situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
on XX/XX/2018, an XXXX number called posing as the Chase bank. I became a victim of identity theft. Chase bank is saying the charges were actual charges and will not refund the money that was stolen. However, they refunded partial monies, {$30.00}, but not the {$4900.00}. Chase is saying the card was present at the time of transaction. Which was false because I brought my card to the bank shortly after I found out. Chase call center 3 times said this was definitely fraud. But, the Chase fraud department denied the claim 2 times ... even after the call center said this was definite fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Disputed with the company XX/XX/2018 and also submitted with cfpb about the original company and they had no validation and deleted the file. I viewed my credit report this morning and seen that another account was added back on the file with the same amount. I have contacted Equifax several times. I have spoke to different reps and supervisors I even noitified them I had sent in a ftc report. I have asked for proof that this account is mine. I have been dealing with this for since XX/XX/2018. What else can be done? I am very disappointed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I traded in my leased XXXX XXXX XXXX for a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to pay off the XXXX lease, waive the lease termination fee because I was leasing another vehicle, and that any wear and tear was within the {$500.00} damage waiver. In approximately XX/XX/XXXX, I began receiving telephone calls from Stoneleigh Recovery Associates at home and at my place of business, purportedly relating to amounts owing on the XXXX lease. I was provided no documentation of any such purported debt and the burden was placed on me to obtain information of the amounts XXXX was seeking to collect. I contacted XXXX XXXX XXXX, who placed the burden on me to document that I relinquished the XXXX XXXX on XX/XX/XXXX in connection with leasing a new vehicle. I provided all documentation in my possession regarding the transaction, which shows that I traded in the XXXX XXXX for a new vehicle on XX/XX/XXXX. Nothwithstanding, XXXX XXXX XXXX demanded that I obtain the Vehicle Return Receipt from XXXX of XXXX XXXX, which provided a document falsely stating that the vehicle was returned on XX/XX/XXXX and identifying the " dealer '' as XXXX XXXX XXXX, an entity I have never dealt with or even heard of. XXXX XXXX XXXX refuses to accept my documentation, refuses my requests to document " excess wear and tear '' above the {$500.00} waiver, and in the meantime, I continue to be bombarded by phone calls from Stoneleigh Recovery Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: WI

Complaint narrative:
Transunion is making money off of peoples information. 

I did not file Bankruptcy in XX/XX/2013 someone else did with a similar name but the Bankruptcy is showing on my repor.t

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 2018-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
i signed up for a walmart visa. despite my average credit line being about {$20000.00}. they approved me for {$500.00} or some insanely low amount that should have been a denial,. I immediatly contacted the XXXX number to reject the offer of credit. I was never even sent a card. however the bank insists on reporting an account to my credit report for the 5 min it was open from when I was approved to my calling to tell them to shove it. i never used this account. i was never issued a card. i never recieved a card. this should not be reflected on my credit report affecting my score as a new account. I have contacted many times but i think reps are in XXXX and just follow a script and this aint on the script. 

please remove the accounts from my reports.

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 2018-10-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - Equifax Data Breach ) ... 

XXXX XXXX XXXX  XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I got an email from XXXX XXXX alerting me that a collection had been placed on my account for XXXX XXXX XXXX  on behalf of XXXX XXXX in the amount of {$120.00}. I never knew any thing about this balance spoke to XXXX XXXX XXXX on why they didn't call me they stated that they don't know why, but they mailed out a letter but I have moved from that address since then. I went on and paid the balance in full on XX/XX/XXXX and ask for them to give me a paid in full letter and to have it removed from my credit report, they stated that they would but it is still on there and they didn't provide me with any documentation. I'm asking that this be removed from my report. I'm in the middle of closing on a home, and have no collection on my report besides this one, I'm asking that this be removed from all agency as soon as possible thanks XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: GA

Complaint narrative:
I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - XXXX Data Breach ) ... 

XXXX XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account )

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