vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-10 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: NC

Complaint narrative:
A few years ago I ventured online for a payday loan. The loan that came up was XXXX and I applied and was approved. I received the funds and realized the interest rate and after further researching I knew this was not something I wanted so i returned the payment to the company and closed my bank account after I found out that XXXX was not authorized to do business in the state of North Carolina. The company three years later has reported this to all three major credit bureaus after I completed disputes that the company was not legally able to provide the loan in my state and that I paid the payment back for the only 3 days that I had the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CT

Complaint narrative:
SOUTHWEST CREDIT SYSTEMS , L.P . 
Last reported : XX/XX/2018 {$740.00} For some reason South West is trying to charge me {$740.00} i do not own a south west credit card and i have paid for each one of my tickets online with the use of a Debit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I applied for a Chase Sapphire credit card that advertised an intro offer of {$0.00} for the first year. On receiving the card they charged me {$95.00}. When I contacted them, they told me that in that small window of me applying for the card the terms had changed. Even though the offer still shows on my acct and has been there for many months ( it shows even today ), they will not remove the charge, nor would they transfer my call to past second level to discuss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XX/XX/2018 I initiated a XXXX transfer for {$240.00} to XXXX XXXX Ref # XXXX. Her phone number was XXXX and email XXXX. She was to send me an XXXX XXXX XXXX that she was selling on the website XXXX. She told me she would save me {$20.00} if I bought direct from her which unfortunately I did go direct with her. I contacted my bank Wells Fargo as soon as I realized I got scammed as she refused to answer my calls, texts or emails. They gave me a claim number of XXXX and a Reference number XXXX and after waiting 10 days told me to continue to try and contact this person that there was nothing they could do for me and closed my claim. I find it hard to believe that there is no way for the bank to track this person down. And harder to believe that the bank offers such a service of money transfer and does not offer me the consumer any protection at all.

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 2018-04-10 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: GA

Complaint narrative:
Not mine inquires/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Not mine inquires/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My cash deposit of {$580.00} was shorted {$200.00} by bank of America. They continue to state they are not out of balance, that does not mean there was not another issue to offset mine. I have tired to work with them and they do not want to help 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 2018-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am on the do not call registry and I keep getting calls from these companies saying that my credit card needs to be updater or my information needs to be updated and I don't have a credit card when I ask to speak to a supervisor I get disconnected. 

If I am on the Do Not Call Registry why do I continue to get these calls.

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 2018-04-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
BofA submitted, to the credit bureau incorrect info. During my refi process they tried to foreclose om me and they accused me of being late, when in fact I never missed a payment. I just did not pay the new amount which was more than I could afford, thus the reason for the refi. this process took over 2 years. Everytime I called my personal point of contact they had changed that person and I had to begin the process all over again. I need resolve here. They are affecting my ability to get credit. Account number ending in 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 non-monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I had a second mortgage with Wells Fargo ( {$110000.00} ). I had trouble when my husband was sick keeping up with our mortgage payments ( for 1st & 2nd ). I applied for a mortgage modification with both lenders. I was told by Wells Fargo that they wait to hear if the 1st mortgage approves a loan modification, then they follow suit. In 2013 XXXX, the holder of our 1st mortgage approved the mortgage modification. Upon learning that we were granted the mortgage modification, Wells Fargo converted our 2nd mortgage into a personal loan. They placed it in default and told me that if I did not pay the full amount they would foreclose on my house. 

Wells Fargo also filed for wage garnishment with the Circuit Court of XXXX County. I received a letter in the mail after the fact, but was not notified of the I had no option but to pull all of my money out of my 401k to pay them off ( {$77000.00} ). I also had to take additional loans out to pay off the full amount. 

By pulling this money out I lost my retirement savings, I took a huge tax hit. ( this is because they changed it from a mortgage loan to a personal loan ( without my knowledge ) ) Even though I satisfied the loan it is still on my publicly view-able court record for XXXX County ( as well as for XXXX XXXX XXXX County, because they filed in both accidentally ) I have email exchanges with their attorney XXXX XXXX admitting to the filing mistake and promising to fix it. It was never fixed. 

I had no choice but to pay it off as my job requires clearance level that I would lose if I had foreclosure or wage garnishments on my records. 

I have lots of documentation from this period of time. 

I made some phone calls at the time to try to find a way to complain, but was told by everywhere I reached out to, there was nothing they could do. I would like to pursue this at this time because as I watch the news I am learning there are more and more people in bad situation due to Wells Fargo and I like them held accountable.

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 2018-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Not mine inquires/ XXXX XXXX ,XXXX,XXXX XXXX XXXX,XXXX,XXXX XXXX XXXX,XXXX   XXXX,XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX,XXXX,XXXX XXXX,XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was paid for musical instrument goods I was selling to someone. They sent the money ( {$2500.00} ) via XXXX app via Bank of America to Bank of America account. I received confirmation from the buyer the funds were in my account. I went to BOA and asked if I would be able to withdraw the funds and explained the nature of the transaction. I was allowed to withdraw the funds as the money was available in my account. This morning there is a hold on my account for {$880000.00} and the buyer reported fraud. My account is now placed on hold and I can not access it. Bank of America allowed me to withdraw the money and said the funds were in my account. Now my account is on hold and my pending payments may be declined. Bank of America should be responsible since they allowed me to withdraw the funds. I would simply like my account restored and my name cleared of any wrong doing. Attached is confirmation I had gotten from the buyer the transaction was successful.

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 2018-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Blackhawk Network Holdings Inc.
State: NJ

Complaint narrative:
I purchased a {$200.00} " XXXX '' card ( XXXX XXXX XXXX XXXX intended to re-up a XXXX card at my local XXXX.

There was a computer error when I ( or anyone ) tries to create a safe and transfer the money to your desired card on the " XXXX  '' site.

Some internet research showed this was no error. This was a way to steal, or hold for the longest period of time possible.

Please help. I need my {$200.00}, not after waiting a month for a check.

Why is XXXX   allowed to sell these cards when they are all fraudulent?

Thank you in advance for any assistance.

/XXXX/

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XX/XX/XXXX transworld systems contacted my job and asked for me. When I came on the line they said I owed XXXX and if I dont pay Ill have a warrant issued for my arrest. I told them first off this is my job your calling and these call are recorded he cut me off and said the bill was for an ER visit XX/XX/XXXX I told them I have insurance and didnt have an er visit and told them not to contact my job. XX/XX/XXXX I was on break when I came back I almost passed out. They called back again but didnt speak to me instead they spoke to my coworker and told him what Was owed what hospital it was for and what date and said the police would be getting involved. Unbelievable I checked my credit on XXXX XXXX they have it on their I dont know what they are talking about I dont owe them.I work for XXXX XXXX and the phone number is listed for everyone to call so there was no way to block their number. Nothing can be done from their end but just to hang up on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Contacted Bank of America and provided a police report as well concerning the identity theft that occurred. Bank of America WILL NOT PROVIDE me with my signature nor where this app was done and filled out at. They are a bank that people really need to not do business with.

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 2018-04-10 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:
I did not authorize the following inquires. 


1. XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX- XX/XX/XXXX 6.  XXXX 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
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DataMax Corporation
State: NC

Complaint narrative:
I filed a dispute and the company provided a document that is inaccurate, with an incorrect birthday, the spelling of my name, and no signature ( attached below ). Additionally, the company has not provided me with 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 the company is required to promptly delete all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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:
I previously filed a complaint against Equifax and they say that they are reinvestigating info on my report and they are not. Hence the info attached that was provided to me by the company they are reporting differently than what the company is saying they should. XXXX does not have a balance and they updated my report today with a balance ( Equifax ) several of my accounts are showing a payment history and per my attorney in my bankruptcy they have no right to any longer report historical data and i have addressed this several times in my report the investigations are false and so are the reinvestigations and they need to remove these accounts from my report being that they have not done what they were suppose to do they have no right to report incorrect information on my report or information that I am protected against in my bankruptcy The proof attached shows you and them that they are not reinvestigating they see updating their records through info they previously obtained

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I received my XX/XX/XXXX credit card account billing from PNC Bank. I made one purchase, on my credit card, in the amount of {$20.00} and they charged me interest of {$.00}. But I noticed they also charged me a minimum interest charge of {$1.00}. When I called PNC and inquired about the {$1.00} I was told that this is company policy. So because I didn't meet their policy of at least purchasing and amount on the card to cover the {$1.00} they charged me, at a profit for PNC of {$1.00}, in which I received no benefit what so ever. 

I was so irritated by the reason I got from their representative that I closed the account. How is PNC getting away with this when they charge you extra money when the consumer gets no benefit as to purchasing an item on their card? 

I wouldn't have noticed the charge if I had not looked at my bill from XX/XX/2018 closer then I usually do. I would assume that other PNC customers are not noticing the minimum charge and that is why I am complaining both for myself and other customers as well. 

And I did not appreciate the representative 's quote of, " It is company policy. '' How many times have I heard that when a customer has a complaint. 

Anyway my complaint ; as to how PNC gets away with charging a minimum interest and if you don't reach the minimum interest charge you still have to pay them interest with no purchases on my part. And it is all profit on the bottom line for PNC. And what if you don't use the card for a certain billing month they still charge you {$1.00}? 

I have a couple of charge cards that do not have a minimum charge and I will continue to use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
i received a letter dated XX/XX/2018 from Chase Bank stating that they were ending their relationship with me and that my 3 bank accounts ( 2 checking and 1 savings ) would be closed by XX/XX/2018 and that my credit card with them would be closed effective immediately. i have been a customer of the bank for over 20 years, run high cash balances, never had an issue with overdraft, negative balances, non payments or anything else i can think of. the letter did not reveal the issue for the termination. There was no warning or communication from them prior to receiving the letter. 

when i reached out to the bank - both through my local branch as well as the number provided on the letter, they reiterated they had the right to end any relationship they wanted and were under no obligation to declare a reason. they were completely unhelpful and just stonewalled me behind privacy and secrecy rules. This is not how banks should be treating very long term customers. 

I am concerned that there may be something sinister at play here - false identity, identity theft, faulty credit reporting, or just a plain mistake, whether it is clerical or a computer. If there truly is a problem with my account, i feel that they should explain the issue so that it can be fixed and not impact me going forward at another financial institution. 

obviously i am looking to get this decision overturned, but at a minimum at least get a reason for the termination so i can determine whether there has been any fraud in my name or if i have a problem that needs to be fixed going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet is one of my student loan lenders. They refuse to send my correspondence via paper mail even though I have opted out of e-mail. In addition, I have been locked out of my account several times. 
I have called several times and have received pushback from the customer service agents regarding transparency of my account. I qualify for and applied for the IDR, income-driven repayment plan. When I applied in XX/XX/XXXX, they stated that " it was too early. '' When I tried to apply for it again in XX/XX/XXXX, they told me " that I had to submit a letter with a description of my income. '' When I stated that I had no taxable income, they continued harassing me, even though the letter is not part of the terms of the agreement. I am on the IDR with my other two lenders, XXXX & XXXX. XXXX recently got bought out by Nelnet, so I don't see how they can't streamline the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL

Complaint narrative:
I received a collections notice from XXXX XXXX XXXX. I immediately contacted them and let them know this debt was invalid and I wanted to dispute the debt. as of XX/XX/2018 this has been reported on my credit and I have not received any information regarding my wish to dispute this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation