vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I made a purchase with my credit card. The company I purchased from ( XXXX  ) was shut down by the FTC. The education website was for lifetime access to their training programs on their various websites. Like training videos, talking to 1-on-1 coaches I can not receive services due to the shutdown, and I am still paying for the services, when I am clearly not getting them. I contacted Bank of America to file a dispute. They denied my dispute, even though I did not receive services. They told me the dispute is closed all resources have been exhausted, and I would have to pay the remaining balance of {$9900.00} ( purchased on XX/XX/XXXX ) on credit card ending in XXXX. 

Bank of America has all the documents that I have provided to provide a chargeback. Over 130 pages of documentation.

They told me they sent me letters that they required more information, but I have told them I have not received those letters. 

They said they would send them again. I contacted them early XX/XX/XXXX to ask when I would get the letters, they told me the dispute had been closed. 

I have has disputes resolved with other credit cards and well as debit cards. 

I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Checking or savings account — Savings 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
wells fargo savings account # XXXX. 

On XX/XX/19 {$12.00} wrongfully charged. This was a fee for depositing a check in an atm one day over the 6 month limit. 

I was told I could deposit it up to 6 months from date of check by Wells Fargo employee. But he did not tell me that I actually have one day less when I deposit it through the ATM instead of through the teller. This {$12.00} should be refunded because i was misinformed that I had one day less when using the ATM.

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 2019-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC
State: PA

Complaint narrative:
I have previously submitted a complaint with this company, they have stated they would delete the trade line, and they still have not done so, on XX/XX/2019, I have paid the original creditor, XXXX XXXX in XXXX PA, the amount of {$20.00}, since this has been paid, and the trade line was not deleted or updated in any way, I do believe Quality Asset Recovery LLC is attempting to commit fraud, and I will also be filing a complaint with the Pennsylvania State Attorney Generals office, as well as pursuing criminal and civil charges against the company

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 2019-04-04 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:
On XX/XX/2019, I XXXX XXXX went into wells Fargo bank, locate XXXX XXXX XXXX XXXX XXXX Fl. XXXX. Where the assist manager XXXX discriminate again me by not let me take money out of my account and help white client instead of me. I have present my driver license and debit card to Ms. XXXX and she told me she got other thing to do and left the branch.

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 2019-04-04 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: Credit Karma, LLC
State: TX

Complaint narrative:
XXXX, XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX   Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   deal Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ,6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the comple- tion of the reinvestigation, by mail or, if authorized by the con- sumer for that purpose, by other means available to the agency.

( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I have requested from Transunion to provide me with the name address and cont a number of the person or company used to verify this information and they refused to probed the information. I have a case if mistaken identity same name different social and I contacted the bankruptcy court listed and they said they do not verify reports and they do not verify social security numbers. So how did they verify this information? 

1.Court Name US BKPT CT TX XXXX XXXX XXXX XXXX U S COURTHOUSE XXXX XXXX , TX XXXX Type of Record Bankruptcy Reference Number XXXX 2.Court Name US BKPT CT TX  XXXX XXXX XXXX XXXX U S COURTHOUSE XXXX XXXX , TX  XXXX Type of Record Bankruptcy Reference Number XXXX XXXX deleted the inaccurate information in  XXXX of XXXX as soon as I reported the inaccuracy ... XXXX just deleted the inaccurate information XX/XX/XXXX and Transunion has refused investigate continues to send me the same generic letter stating it was verified and will not provide me with information as to who they verified this information with. Ive filed two complaints and they close them immediately stating Its pertaining a credit report and will be reviewed, they will not even look at the information being submitted.

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 2019-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
the attached itens in my credIt credit report have been xharged iff as bad debt. Under united states federal tax law it is fraud to collect any debt ( see attached ) that has been writtteb off on their federal taxes. Im simply asking equifax and XXXX to follow the law and remove these items from my credit teport. If not i will file a complaint in federal court that both comoapanies are engaging in fraud.

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

Complaint narrative:
I have contacted Transunion countless of times and was not successful with getting erroneous bankruptcies removed. They have verified a bankruptcy as Mine when it is not mine at all. It needs to be removed asap. No other bureaus are reporting this to credit other than Transunion. I contacted the bankruptcy court as well and they stated that they do not report the records of the court to any credit bureau. Contacting a third party is not sufficient evidence as it can be erroneous and is a violation of the FCRA. I will be contacting my consumer attorney if this is not resolved immediately.

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 2019-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: FL

Complaint narrative:
I have a debt of {$740.00} for medical debts with the health department of XXXX in the city of XXXX, New York, which is being collected by an agency known as the Simon Agency, with which I have already made a payment arrangement. {$61.00} per month, but I have never received a check of the payments and it has only been reflected in my credit report once, which worries me because I am committed to pay without any problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Im asking transunion to follow federal tax law. The attached items have been charged off as bad debt and ot sold to other collections agencies for pennies on the dollar. In all 50 states it is a federal crime to collect or attempt to collect avdebt that has been wrotten off off on a corporate write off on their federal taxes. Im simply asking them to comoly with the law and remove this debt that doesnt exist from my ctedit 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
Consumer complaint received 2019-04-04 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: TX

Complaint narrative:
I paid in full on one of my student loans ( Loan XXXX ) with Navient on XX/XX/2019and still have one outstanding loan ( Loan XXXX ) in the amount of. Navient has continuously deducted from my bank account the full payment amounts for both loans on XX/XX/2019 & XX/XX/2019. Navient takes the monthly payment amount of {$110.00}, of which {$87.00} was for the paid off loan, and holds it as a credit. The open loan gets its payment of {$24.00} amount applied to the interest and principal amount and continues to charge interest daily while holding my credited amount of {$87.00} for 30-60 days before reallocating it to the only open account left. I have had to contact them numerous times to correct this issue and to close out the paid in full account to stop this but have yet to resolve the issue. The paid off account is still open and Navient still deducts the monthly payment of {$87.00} and holds it while charging interest on the other loan instead of applying the payment to the final loan. This seems intentional since Navient can charge my interest on the open loan with a higher balance than applying the full credited payment to the loan, which would result in less interest charged. This is not right! I should be charging them interest for holding my credited balance and not applying it properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: Byrider Franchising, LLC
State: FL

Complaint narrative:
Company : XXXX Amount : {$10000.00} Dates : XX/XX/2015 Ive contacted this company multiple times and have expressed that this account was fraudulently opened in my name as I was across seas at the time. Ive submitted police reports on the matter and they are still reporting this fraudulent account to my credit file. It needs to be removed immediately! Attached is my police 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 2019-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: MS

Complaint narrative:
On XX/XX/2019, I reviewed my credit report that shows a collection that I never received a bill or notice to collect debt. 

On XX/XX/2019, I submitted a letter, certified mail, to Conserve collection agency disputing and requesting validation of this debt within 30 days. ( Letter is attached ) On XX/XX/2019 Conserve receive this letter. ( Certified Mail Receipt attached )

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

Complaint narrative:
Company : XXXX Amount : {$10000.00} Dates : XX/XX/2015 Ive contacted this company multiple times and have expressed that this account was fraudulently opened in my name as I was across seas at the time. Ive submitted police reports on the matter and they are still reporting this fraudulent account to my credit file. It needs to be removed immediately! Attached is my police 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 non-monetary relief
Consumer complaint received 2019-04-04 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: AL

Complaint narrative:
Equifax, XXXX and XXXX have all but ignored my requests for actual proof that the accounts belong to me and that I am the person who made the charges against my accounts. Each credit services company refuses to show me how they have verified information on my credit report, who verified the information and who reported the information to them. In addition they have refused to provide me with a copy of the original signed credit request in accordance with the fair credit reporting act. I have been fighting with them since XX/XX/2014 against 4 bad reports on my credit report and they refuse to budge or work with me. In addition to this, instead of going directly to the creditors, they are using 3rd parties such as XXXX XXXX to verify the accounts which is again in direct violation of the fair credit reporting act.

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

Complaint narrative:
I have been a victim of identity theft.

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 2019-04-04 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: American First Finance, Inc.
State: WV

Complaint narrative:
On XX/XX/XXXX I opened an account with AMERICAN FIRST FINANCE I for the amount of {$580.00} on XXXX XXXX XXXX the account was closed as a collection/ charged off and sold to a debt collection agency. In legal rights a consumer is no longer responsible or reliable for a debt one the account is closed or charged off/ sold to a collection agency. This company is still reporting negative remarks on my credit report. As of 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
Consumer complaint received 2019-04-04 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: GREAT LAKES
State: IN

Complaint narrative:
I renewed by XXXX in XXXX of 2018. Against my wishes and application, my loan servicing company ( Great Lakes ) placed me into PAYE. This caused me to acquired increased interest as none of the interest is subsidized. They have since rectified placing me into the wrong IBR plan, but the will not rectify the additional interest that accrued during this time. Additionally, now the interest has capitalized into my principal, which will cost me thousands by the time I am done with repayment. 

The first individual I spoke with at Great Lakes assured me that this was an error on their end, and it was no fault of my own. This seems to no longer be their story. 

The short detail of this is that my interest shouldn't have capitalized due to their mistake, and there is more interest than there should be, had they placed me into the repayment program I desired ( REPAYE ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
According to Florida Law chapter 624 if I can't pay for insurance ( because the premium is higher than the car payments ) the bank has to pay for it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX-XXXX/XXXX/XXXX/XXXX.XXXX I called my lender, Bridgecrest, to apply forced-placed insurance to my car in exchange for higher payments. Bridgecrest refused to do that and I can't afford full cover insurance. My HOA found out my car has no plate and are pushing me to move the car or have it towed at my expense, at which point I would need a license, proof of registration ( don't have ) and proof of insurance ( none ) in order to get it back from the impound lot. 

I have been struggling with this all week and I don't want my credit ruined and my bank account gnashed because Bridgecrest refuses to pay for car insurance. 

Bankruptcy won't help neither since filing for chapter XXXX or chapter XXXX won't help since I have to sell non-exempt property or make payments. 

I don't deserve a decade of financial suffering over a car. This has gone far enough and I can't lose everything I worked so hard to gain.

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

Complaint narrative:
XXXX, XXXX and Transunion have all but ignored my requests for actual proof that the accounts belong to me and that I am the person who made the charges against my accounts. Each credit services company refuses to show me how they have verified information on my credit report, who verified the information and who reported the information to them. In addition they have refused to provide me with a copy of the original signed credit request in accordance with the fair credit reporting act. I have been fighting with them since 2014 against 4 bad reports on my credit report and they refuse to budge or work with me. In addition to this, instead of going directly to the creditors, they are using 3rd parties such as XXXX XXXX to verify the accounts which is again in direct violation of the fair credit reporting act.

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