vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX credit services charged against my debit card in the amount of {$19.00}. The bank reversed the charge via investigation and blocked XXXX. On XX/XX/XXXX XXXX again charged my debit card {$19.00}. This time the bank blocked my debit card and forced me to go inside the bank to withdraw from the account. 

This causes a financial hardship in so much as that since my account was opened with this bank, my identification card expired, and I am caught up in red tape with the identification bureaus as I wait for identifying documents to obtain a CA ID Card, a USA passport, or another Military ID card. This wait has been since my identification card expired on XX/XX/XXXX. 

Meanwhile, my debit card is blocked, my direct deposit from my job will continue to deposit into my account, and I am not able to withdraw because the customer service department blocked my card due to the fraud of XXXX  and the subsequent charge at my debit card since the unauthorized purchase in 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 2019-02-19 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Dear CFPB, I am writing to report an issue with American Express ( " AMEX '' ) Gold Delta SkyMiles Credit Card ( " AMEX Delta '' ). 

I was referred to apply for an AMEX Delta credit card. ( Please see attachment # 1 ). I was supposed to received XXXX Delta SkyMiles as a referral bonus after I spend {$3000.00} in purchases on the card in the  first 4 months of card membership. 

I have met the requirement in the first two billing cycles. However, AMEX didn't honor what they advertised. 

I have called customer service center twice to request the XXXX Delta SkyMiles bonus as advertised/promoted. AMEX 's response was simply I am not qualified for the bonus. 

I requested further explanation but they didn't provide any explanation. They are keep saying that I am abusing AMEX bonus promotion. 

I further explained that I closed one personal AMEX account and one corporate AMEX account ( this is due to change of employer ) and opened one corporate AMEX account ( this is due to new employer ) within two years. 

They didn't think this is abuse of AMEX bonus promotion. However, they told me that the decision was already made and can't be changed. 

I believe I earned the bonus by meeting their requirement from the advertisement. I have not abused AMEX bonus promotion as they acknowledged. 

Please help me to resolve the issue. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed items with all 3 Credit Bureaus over 2 years the still havent corrected it! 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga. XXXX See attached XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I have been experiencing major hardships due to medical bills for my XXXX year old daughter. I am a single XXXX mother with no other monetary assistance except what I earn. My daughter has been in and out of the hospital  and I have been laid off work due to excessive absences because of her illnesses. 
In the course of this loan, I have given you {$3500.00} for my now repossessed car. I managed to pay this in spite of all of my difficulties. However, I can not at this time catch up my payments and I see that your fees continue to escalate. 
I am not currently in a position to pay off this loan and the loan payoff amount is more than what I originally bought the car for. This is a terrible hardship  for me and I have requested to have the loan canceled but can not speak to anyone " in charge '' 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 2019-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: WV

Complaint narrative:
I seen on my credit report on that national recovery agency had posted a collections for XXXX XXXX XXXX. I have moved several times in the past two years due to school and didnt know I owed them money. I actually still have XXXX  at my current home as my electric provider and still havent received anything in the mail.

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 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I set up a credit freeze on Equifax about 1.5 years ago. I recently went to temporarily lift the freeze using the PIN number they provided at the time I set up the freeze. During the process they asked me to set up a login and password, which required providing personal identifying information ( address, SSN ). When I went to set up a temporary lift on my security freeze, they did not ask me for the PIN I was originally given. This means that anyone who gets access to my Equifax account can lift the security freeze without the PIN. This begs the question : was the PIN a required security measure that Equifax is now ignoring and no longer enforcing? 

Furthermore, they definitely make it difficult to ascertain the state of your credit freeze and manage information about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I HAVE ASKED XXXX XXXX ON SEVERAL OCCASIONS TO REMOVE THE LATE PAYMENTS FROM MY FOUR ACCOUNT WHICH OCCURRED XX/XX/XXXX-XX/XX/XXXX AND XX/XX/XXXX DUE TO ILLNESS AND BEING ON XXXX AT THE TIME THE LATE PAYMENTS OCCURRED. XXXX XXXX HAS NOT BE FORTHCOMING WITH REMOVING THE LATE PAYMENTS EVEN WHEN I SUBMITTED TO THEM COPIES FROM THE XXXX OFFICE AND DOCTOR CONFIRMING MY XXXX AT THAT TIME.

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 2019-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/2019, I applied in store, for a Best Buy credit card. At the store I was not given instant approval. I later received a letter dated XXXX-XXXX-19 from Best Buy credit services, denying credit approval. At the time of application my FICO credit score, as listed with XXXX  and XXXX, was XXXX ( XXXX currently ). Granted this is not an excellent score, it is generally regarded as fair to good. I believe that this snapshot of my credit worthiness, as reflected with a XXXX, should be sufficient for one of the Best Buy credit cards. My full credit report reveals that there are not ANY derogatory marks. My payment history is at 100 % on-time. My debt to income ratio is very good. I have consistent work and address history. When considering the broader credit picture, as represented in a FICO score, I believe I qualify for Best Buy credit. I believed that I was discriminated against based on my older age and that I was treated differently than other, younger credit applicants, with lower FICO credit scores. On XXXX-XXXX-19 I wrote to Best Buy credit services and shared my concerns. I asked them to review and reconsider my application. I received a second letter, dated XXXX-XXXX-19, from Best Buy credit services, again denying my credit card application.

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 2019-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed items with all 3 Credit Bureaus over 2 years the still havent corrected it! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Ga. XXXX See attached 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 2019-02-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed items with all 3 Credit Bureaus over 2 years the still havent corrected it! 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga. XXXX See attached 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 2019-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ALLIANT CREDIT UNION
State: NJ

Complaint narrative:
I opened a Alliant Credit Union account about a year ago. I used the account without issue, until one week in XX/XX/2018. My account was accessed without my knowledge, its to my understanding a transfer was made to my account to make my balance more, and then the balance was transferred to another account before the incoming transfer could fail. With that being said, someone used my account without my authorization, transferred funds, and when everything was settled was my account was negative. My issue here is, A. ) I did not transfer any funds, and I had a positive balance, with no issues regarding my account, and B. ) Alliant reported this account to XXXX, so now my credit is being effected by this issue even though this is a checking account, not a line of credit or loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to request a correction of the following information that appears on my XXXX, XXXX, and XXXX credit consumer reports : Dispute : Capital One Auto Finance I have reached out to both Capital ONE and the credit reporting agencies for the past two years. I am a victim of identity theft. There has been a police report filed regarding someone purchasing a car in my name. I now have a freeze on my social security to alert me when my credit or name is being used as well as a pin assigned each tax season. All of this was provided to capitol one with no resolution. I cooperated with their investigation team and got no help with removing this. It was charged off .Eventually I able to have one Credit agency remove it from my report however I am having to re dispute this with each agency. I have attached proof of all vehicles ever registered in my name as well as proof of the credit agency removing it from their system. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
We had a series of deaths in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX ( XXXX XXXX ), XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX/XXXX, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with XXXX XXXX, XXXX XXXX, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( XXXX XXXX, XXXX, and Equifax ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to XXXX, XXXX, XXXX XXXX, and XXXX. Along with having a full time job we also own an electrical business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
I accepted a loan from AvailBlue for {$350.00}. I was told when they would drafting the first payment, amounts etc. Prior to accepting the loan I spoke with the Agent and asked him about early pay off. He told me I could in fact pay the loan off early and just paying a small amount above the {$350.00}. I called today to make sure and the woman told me I was given incorrect information. She even verified that she knew they gave people misleading information but you are still stuck with paying this loan. I am paying almost {$1000.00} for a {$350.00} loan that I got barely three months ago!! I told them had I known that I would not have accepted the loan which is why I asked before accepting. I was told something totally different it seems just to get me to accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I had a car loan and the company told me they received the pay off check after it was totaled out. I paid several months for a car that was no longer in my possession and they marked two payments late because of the miscommunication between the bank, my insurance company, and the gap company. The bank reimbursed me for my car payments made after they received the pay off check as well as the late fees but will not remove them off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient has been overcharging interest on my federal XXXX loans. 

Even though I am on an IBR plan, I pay weekly ( approximating what I would have on a standard plan ) because I understand that interest compounds daily, and any overpayment I make is supposed to go to principal. 

On the first payment of every month for the past six months, I noticed that the split between principal and interest is off by almost $ XXXX as an overcharge in the interest category. None of my contact with Navient customer service has resolved this error. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: U.S. BANCORP
State: NY

Complaint narrative:
We had a series of deaths in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX  ( XXXX XXXX ),  XXXX/XXXX XXXX, US Bank, XXXX XXXX/XXXX, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with US Bank, XXXX XXXX, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( XXXX XXXX, XXXX, and XXXX ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to Target, XXXX, US Bank, and XXXX. Along with having a full time job we also own an XXXX  business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.

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 2019-02-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
We had a series of deaths in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX  ( XXXX XXXX  ), XXXX XXXX, XXXX XXXX, Home Depot/CBNA, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX   ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with XXXX XXXX, Home Deport, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( XXXX XXXX, XXXX, and XXXX  ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to XXXX, XXXX, XXXX XXXX, and HomeDepot. Along with having a full time job we also own an electrical business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.

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 2019-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
Received collections letter from Midwest service bureau regarding alleged debt, asked debt to be removed from account, no verification of debt was provided

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Per the Federal Service Desk Request and as it pertains to inaccurate public record information surrounding the address of XXXX XXXX XXXX XXXX, VA XXXX. This address is registered to XXXX XXXX XXXX and the only business that should be identified with this address is " XXXX XXXX   XXXX XXXX '' from XX/XX/2015-present.

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