vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-23 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: TX

Complaint narrative:
experian, XXXX and XXXX showing inaccurate inquires now they wont let me check my credit online to fix these issues

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 2017-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank has been regularly reorganizing the order in which charges are processed through checking accounts in order to increase the amount of overdraft fees. Most recently I realized I was going to go into overdraft because a refund that was supposed to hit my account was applied incorrectly by the state. While they are researching where that money went to and my knowing that my account would now overdraft, I began taking screen shots of my account each day as I knew Citizens had a history of reorganizing transactions in order to increase the overdraft fees. I 've been charged {$100.00} so far for 3 transactions which I have printed documentation had not thrown my account into overdraft. When I called the bank they advised that a pending transaction caused those overdrafts and would not waive the fees. When I advised them that I had been taking screen shots of the banking site and printing the proper documentation that this was not the case, I was advised that they could only go by what the system tells them on their side and refused to refund any of the charges. The issues occurred on XX/XX/XXXX, XX/XX/XXXX. The three charges were for grocery shopping I did on XX/XX/XXXX. The transaction the bank claims to have caused the overdraft was processed on XX/XX/XXXX from a doctor 's appt. A full day later. Now of course this has thrown even more into overdraft and I stand to be charged another {$300.00} in fees. I do not regularly overdraft my account and am so disgusted that the banks get away with this. Another note is that we received money as part of a class action lawsuit just 2 or 3 years ago for Citizens Bank engaging in this very practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Homeowner has been working a short sale and attorney for home owner has been in constant contact with lender. Attorney was advised that we are in a value dispute. Attorney was never advised of a scheduled sale date. There was apparently a sale date scheduled for X/XX/2017. Lender clearly dual tracked this file. Lender at no time advised attorney for borrower as to sale date despite constant contact with lender and contact less than 24 hours prior to the scheduled sale date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: TX

Complaint narrative:
XXXX, transunion and XXXX showing inaccurate inquires now they wont let me check my credit online to fix these issues

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 2017-08-23 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: TX

Complaint narrative:
XXXX, XXXX and equifax showing inaccurate inquires now they wont let me check my credit online to fix these issues

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I paid off an old mortgage with Wells Fargo on XX/XX/XXXX. At that time, I also had a checking account that I was using to make direct deposits, move funds over via ACH, etc. I opened a new mortgage with Wells Fargo on XX/XX/XXXX. On XX/XX/XXXX, Wells Fargo abrupbtly closed my account with no warning. On XX/XX/XXXX, my company attempted to make a direct deposit to my account for {$1000.00}, which caused the ACH to be rejected, since Wells Fargo had closed my account. This caused me great strife having to contact various departments in my company to reverse the ACH, as well as establish a new relationship with another bank due to having no where to send this part of my payroll. I nearly missed mortgage/credit card payments, too. I called Wells Fargo to ask for an explanation. The only response I was given was, " You no longer have a mortgage with Wells Fargo. '' This was clearly incorrect, as I had already opened one with them ( my current mortgage ). I spoke to a supervisor, who was equally less helpful. They offered me no support or anything to rectify the situation. I am deeply troubled by this pattern of behavior at Wells Fargo.

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 2017-08-23 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: AES/PHEAA
State: MD

Complaint narrative:
As apparent retribution for whistle-blowing on FedLoan Servicing 's illegal practices, FedLoan Servicing raised my interest rate from 7.25 to 7.50 % without explanation or notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Someone used my bank account ( checking ) and debit card on XX/XX/XXXX. I immediately called the bank and they reversed the charges. On XX/XX/XXXX, they took money from my account stating that they had proof that I made the purchases. They took {$240.00} from me. I was forced to close my account because I was afraid they would take the rest of the money. The charges in XX/XX/XXXX were : XXXX + XXXX. I did not authorize these purchases and I have belonged to this bank for 30 years. I am concerned they are going to steal more money from me. I did not make these purchases and I am angry I had to pay for one of them already. In total 6 purchases were made. These are the two the bank is saying that I owe right now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-23 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: AES/PHEAA
State: PA

Complaint narrative:
XXXX, XXXX and XXXX are all reporting a fraudulent account on my credit report. Account # : XXXX for {$16000.00} opened XX/XX/XXXX. I received a letter from FedLoan Servicing on XX/XX/XXXX that I needed to pay a Direct Parent Plus Loan for {$16000.00} ; Account # : XXXX. ( FedLoanServicing was not one of the options listed above for a loan holder choice ) I immediately called them to find out what this was about. They told me I opened a student loan in my name only for my daughter XXXX XXXX and that I was responsible for this loan and it was in my name and my name only! I believe my ex-wife ( divorced in XX/XX/XXXX ) used my social security number without my permission to open this account. This account is fraudulent and I will not be held responsible! I did not sign any documentation or approve this loan to be opened in my name. My ex-wife 's name is XXXX XXXX XXXX phone number XXXX and lives in XXXX, GA. I reside in the state of Pennsylvania and had no knowledge of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
My Membership Rewards account has been frozen for more than 10 weeks and I 'm unable to transfer them into my registered XXXX XXXX frequent flyer account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waterfall Revenue Group
State: PA

Complaint narrative:
I was involved in a motor vehicle accident XX/XX/XXXX 2013 which resulted in my car being totaled. The other motorist was at fault and the police and ambulance were called. XXXX XXXX XXXX is trying to collect XXXX from me when the bill should have been submitted to my auto insurance. I have contacted XXXX XXXX and they refuse to submit to my insurance. I have contacted all XXXX credit bureaus and XXXX is the only one who refuses to remove this account 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 2017-08-23 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My husband and I filed for bankruptcy in 2015, case  number XXXX. XXXX has this on my credit report twice. I have disputed this three times online and attempted to contact them via phone, however after being asked to hold by the rep and left on hold for over 20 minutes, I could no longer hold. How can I get this corrected to where it only shows ONE time? I contacted XXXX XXXX, they advised the public record search only shows the bankruptcy once, not twice as Equifax has reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
My Complaint is against XXXX XXXX, XXXX. XXXX XXXX is failing to update the 3 major credit bureaus : XXXX, XXXX and XXXX that their account # XXXX has been paid in settlement for {$1300.00}. The are failing to update a XXXX balance and advising the credit bureaus that I still owe them the {$1600.00} for account # XXXX The account was initially with XXXX XXXX XXXX XXXX XXXX, who then sold the debt to XXXX XXXX, XXXX, who then hired XXXX, XXXX, XXXX XXXX XXXX, XXXX to sue me in small claims court. The case has been settled outside of court for {$1300.00} and paid on XXXX/XXXX/XXXX. XXXX XXXX, XXXX attorney office XXXX, XXXX and XXXX cashed the {$1300.00} check. I am requesting that XXXX XXXX update my credit reports properly to reflect a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I was notified by Navient that it was time to pay my student loans in XX/XX/XXXX so I submitted all paper work the month before. They came back saying that I would have to pay five hundred something dollars a month. So I resubmitted my income based repayment and now they came back at XXXX. I tried to get that lowered but they said it 's based on some calculation that they make and it ca n't be lowered anymore. I feel that this is n't fair to me not to consider other bills I may have. I have a family that I support. I considered myself going to school to have a better life but it seems like it 's more of a burden to have debt to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: MA

Complaint narrative:
XXXX Bank is falsely reporting my account as 30 days past due to the 3 major credit bureaus. I disputed via XXXX twice in the last 3 weeks - included a screen shot from the XXXX XXXX website, showing that my account is current. Just yesterday, I received confirmation from XXXX that the creditor has verified that my account is 30 days / {$230.00} past due as of XX/XX/XXXX. I have a print screen ( dated XX/XX/XXXX - attached ) showing my account is current. I contacted XXXX directly on XX/XX/XXXX, at which time I was instructed to fax my screen shot to XXXX 's customer service department at XXXX XXXX XXXX for review. I did so on XX/XX/XXXX, yet the company still reports my account as past due. Further, my account has been paid every month since account opening - never been past due.

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 2017-08-23 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: MA

Complaint narrative:
XXXX XXXX is falsely reporting my account as 30 days past due to the 3 major credit bureaus. I disputed via Equifax twice in the last 3 weeks - included a screen shot from the XXXX XXXX website, showing that my account is current. Just yesterday, I received confirmation from Equifax that the creditor has verified that my account is 30 days / {$230.00} past due as of XX/XX/XXXX. I have a print screen ( dated XX/XX/XXXX - attached ) showing my account is current. I contacted XXXX directly on XX/XX/XXXX, at which time I was instructed to fax my screen shot to XXXX 's customer service department at XXXX XXXX XXXX for review. I did so on XX/XX/XXXX, yet the company still reports my account as past due. Further, my account has been paid every month since account opening - never been past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: MA

Complaint narrative:
XXXX XXXX is falsely reporting my account as 30 days past due to the 3 major credit bureaus. I disputed via XXXX twice in the last 3 weeks -  included a screen shot from the XXXX XXXX website, showing that my account is current. Just yesterday, I received confirmation from XXXX that the creditor has verified that my account is 30 days / {$230.00} past due as of XXXX/XXXX/XXXX. I have a print screen ( dated XXXX/XXXX/XXXX - attached ) showing my account is current. I contacted XXXX directly on XXXX, at which time I was instructed to fax my screen shot to XXXX 's customer service department at XXXX XXXX XXXX for review. I did so on XXXX, yet the company still reports my account as past due. Further, my account has been paid every month since account opening - never been past due.

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 2017-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Home Depot mailed me an offer of credit, which arrived in the mail on X/XX/17. The offer indicates that my personal credit report was used to make the offer. The credit offer is underwritten by Citibank. Home Depot is aware that Citibank and I have previously agreed to have no further contact, and that Citibank is not to send me offers of credit or access my personal credit report. Citibank 's attorney has repeatedly told me that these offers will stop.
Despite that agreement, Home Depot accessed my personal credit report and mailed me the offer of credit they knew would not be honored.

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 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
As documented by the attached copy of Letters of Administration, I am the Court-Appointed Administrator of the Estate of XXXX XXXX XXXX, XXXX. XXXX XXXX had a mortgage loan from Bank of America ( BoA ), account number XXXX. About XXXX XXXX BoA received a check in the amount of {$8200.00} as payment for an insurance claim on account of damage to the house subject to the mortgage. BoA cashed this check without XXXX XXXX 's endorsement ( because he was XXXX ) or mine as administrator of his estate. We have a binding contract for sale of the house for an amount sufficient to pay BoA in full. For months I have requested BoA to either ( a ) send a statement confirming the payoff balance after credit for the {$8200.00} it admittedly is holding ; or, ( b ) confirm the payoff balance without credit, and send the {$8200.00} to the title company handling closing to hold in escrow to remit to the buyer upon closing upon paying BoA to total payoff amount. BoA refuses to respond. My request for resolution directed to a BoA department to which I was referred was answered with a form letter saying the matter is being investigated. My request to BoA 's CEO and senior legal counsel has gone unanswered. Copies of correspondence are attached. Closing of the sale has been extended awaiting payoff information, and is now set for XXXX XXXX. If we can not close then, the buyer will cancel the contract, and XXXX XXXX 's estate will incur significant loss.

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 2017-08-23 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: On-Site Manager, Inc.
State: NY

Complaint narrative:
I applied for an apartment that usese a third party credit reporting agency called onsite/ XXXX XXXX. They pulled this report on or around XX/XX/XXXX. It listed several false accounts in collections. I quickly reached out to the associated collection agencies both XXXX and XXXX University and obtained letters from both stating that the items should be removed from my report. Yet XXXX refuses to remove the erroneous information. This is preventing me from getting my apartment and is greatly impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: PA

Complaint narrative:
XXXX, Transunion and XXXX are all reporting a fraudulent account on my credit report. Account # : XXXX for {$16000.00} opened XX/XX/XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX that I needed to pay a Direct Parent Plus Loan for {$16000.00} ; Account # : XXXX. ( XXXX was not one of the options listed above for a loan holder choice ) I immediately called them to find out what this was about. They told me I opened a student loan in my name only for my daughter XXXX XXXX and that I was responsible for this loan and it was in my name and my name only! I believe my ex-wife ( divorced in XX/XX/XXXX ) used my social security number without my permission to open this account. This account is fraudulent and I will not be held responsible! I did not sign any documentation or approve this loan to be opened in my name. My ex-wife 's name is XXXX XXXX XXXX phone number XXXX and lives in XXXX, GA. I reside in the state of Pennsylvania and had no knowledge of this loan.

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 2017-08-23 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: PA

Complaint narrative:
XXXX, XXXX and Equifax are all reporting a fraudulent account on my credit report. Account # : XXXX for {$16000.00} opened XX/XX/XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX that I needed to pay a Direct Parent Plus Loan for {$16000.00} ; Account # : XXXX. ( XXXX was not one of the options listed above for a loan holder choice ) I immediately called them to find out what this was about. They told me I opened a student loan in my name only for my daughter XXXX XXXX and that I was responsible for this loan and it was in my name and my name only! I believe my ex-wife ( divorced in XX/XX/XXXX ) used my social security number without my permission to open this account. This account is fraudulent and I will not be held responsible! I did not sign any documentation or approve this loan to be opened in my name. My ex-wife 's name is XXXX XXXX XXXX phone number XXXX and lives in XXXX, GA. I reside in the state of Pennsylvania and had no knowledge of this loan.

Company response to consumer: Closed with explanation