vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent certified letters to XXXX for two accounts listed on my credit profile. I mentioned that both the accounts werent mine. I also mentioned that the accounts seemed to be fraudulent erroneous and I sent in documents to present to show and the account was removed but following the next couple days the accounts were listed onto my credit profile. I believe that is completely violating my rights as a consumer and that could place this company or companies in jail for consequences of breaking and violating the law. I can show you how the company violated my rights. The account was placed on my account without my acknowledgment, I wasnt contacted by XXXX, XXXX nor any collections company. I stated and sent in certified verifying documents. You have now violated my rights through the FCRA the debt buyer or CRA have failed to comply with its obligations, I am able to sue for violations of the FCRA. I will be filing a lawsuit looking to get actual damages, punitive damages, and attorneys ' fees and costs of {$1000.00} per item. This is not a threat this is malpractice and violating my rights as a consumer through the FCRA and this matter will be taken up in court. I am only an intern dispute allowing less than 3 days for this matter to be completely and permanently removed and resolved. If you attempt to continue reposting these accounts I will be sure to contact law enforcement authorities, contact my attorney generals office, file more than one lawsuit. The two accounts that were listed and dates incorrectly stating that the account was opened in XX/XX/XXXX and in XX/XX/XXXX and it was recently removed. I pay close attention to my consumer report and I receive alerts on my credit file and keep up to date to assure fools like you guys arent trying to dismantle my life placing erroneous debt on my credit file to make my life a living XXXX. I will be sure to place this online so that consumers are able to view this via online. I will also be filing a complaint as well. XXXX XXXX XXXX  XXXX, was changed to XXXX XXXX. It was placed on my credit by the same collections company and that is a violations. Look at the dates it was removed and how quickly this account was placed back onto my credit profile. Well lets put it this way, this seems like a criminal act upon the credit bureaus and collections company. There was never a document sent to me to verify XXXX. I kindly ask for any documents bearing my signature a few months ago. Youre also violating my rights within the HIPPA laws as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: CA

Complaint narrative:
I have contacted all three major credit bureaus about my bankruptcy information being incorrect on my credit report. The only credit bureau to respond has been XXXX and they are still not following federal law. As such, Transunion and XXXX are not providing me online access to dispute any of items on my credit report which are inaccurate. 

I have brought these inaccuracies to these three credit bureaus several times. I need my bankruptcy verified by a human, otherwise it needs to be deleted. It has been wrong for over eight years and this is ridiculous. My ability to access the credit markets is limited and all because they are not reporting correctly.

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 2019-08-29 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: CA

Complaint narrative:
I have contacted all three major credit bureaus about my bankruptcy information being incorrect on my credit report. The only credit bureau to respond has been XXXX and they are still not following federal law. As such, XXXX and Equifax are not providing me online access to dispute any of items on my credit report which are inaccurate. 

I have brought these inaccuracies to these three credit bureaus several times. I need my bankruptcy verified by a human, otherwise it needs to be deleted. It has been wrong for over eight years and this is ridiculous. My ability to access the credit markets is limited and all because they are not reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Debt was paid in full. After an accident in XX/XX/2019, XXXX indurance paid off the value of the car. The Gap insurance paid off the balance to close out the account. I notified Ally Financial in writing that Gap Total Warranty agreed to pay off the entire balance. After confirmation from Gap total warranty I get a bill from Ally Financial that they are charging me an additional {$210.00} for???? The claim was settled and paid weeks ago.

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 2019-08-29 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: FL

Complaint narrative:
I opened a dispute with Equifax on XX/XX/XXXX regarding a collection on my account. I received a result of the dispute XX/XX/XXXX stating " the information you disputed as been verified as accurate. '' On XX/XX/XXXX, I sent a request for method of verification letter through certified mail, the mail was received on XX/XX/XXXX. It is now XX/XX/XXXX 16 days later and I have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
1 ) My Friend transferred the amount of {$1000.00} from his registered XXXX XXXX XXXX via XXXX to my registered account of XXXX XXXX XXXX. I had registration via my Mobile Number ( xxx-xxx-xxxx ) and he sent via Email Id. 
Normally in such scenario transaction are reverted via Bank. I got an email from Chase Quick Payment saying that amount will be received which is not relevant, As I have not account in Chase Bank. On further investigation with Chase Customer Service they told that they have a customer checking Account with same email id as mine ( Huge security breach for me ). We checked back with XXXX XXXX XXXX and they told that they went to the Chase Customer and he refused to do the reversal.I have all the transaction details but none bank is ready to provide me any more details on the amount. 


Issue : 1 ) Currently anybody transferring the amount on my email id, Chase customer who is registered in XXXX would receive the amount with no association of him on this transaction. 

2 ) Customer is not ready to reversal of transaction even he is not owning the transaction which is biggest concern for me along with Bank. 







Chase Case No : XXXX XXXX XXXX XXXX :XXXX Transfer Date : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I have been harassed by a large number of repeated phone calls which I have not answered. After researching the phone number that kept calling, I believe it is the company Firstmark services looking for collection because I am only 12 days late on my payment. I have not answered them because I feel that due to the harassing nature of the contact attempts, I can safely assume that they are using harassing tactics in all facets of their debt collection. They have called me over 30 times since XX/XX/XXXX, only two days  ago. I will attach screenshots of the missed calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: NJ

Complaint narrative:
This company has constantly incorrectly applied my payments to the wrong accounts. They have mis communicated their programs, interest rates, and have taken payments without authorization. 

Lastly, I applied a additional payment to my loans to try to pay off my loans quicker because Navient has increased Rates and have not allowed any loan options.

Instead of applying those payments to my loans and principle, they incorrectly put me in a forbearance program. These issues have been ongoing both with their Federal and Private department and have added thousands of dollars in interest and many of my hours to sort this out with their incompetent departments. This errors are unacceptable and Navient seems to do as they like without any consent from me what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: CT

Complaint narrative:
I'm a XXXX XXXX XXXX taking XXXX courses a semester while working a 40 hour week job. I Iost my job and could not pay my XXXX XXXX credit card ( {$2000.00} XXXX. A few months later after I was situated at a new job, I received a letter for the option to pay a lump sum of {$1400.00} in order to " settle '' my account. I paid this lump sum with the entirety of my paycheck ( s ) in the course of just two weeks! XXXX from the credit card department assisted me in taking these payments. 

I called back to confirm everything was done and I would no longer be harassed by their credit department, was told I was good to go. Of course that was not the case, not only was I still harassed, my credit report showed that just two months later, this account was " Charged off as bad credit '' as opposed to " settled '' ( XXXX ). I made a complaint and nothing happened. I also noticed the balance of the account was not XXXX, but $ 800< ( The amount not paid in the settlement ). Every month it grew higher, it's as if they lied and just took the lump sum and wanted me to pay the rest! 

I called back XXXX XXXX and was now greeted with a XXXX XXXX   named XXXX ( XXXX ext XXXX ), who kept hanging up on me after treating me like a criminal. I reported him to his boss with a recording of the phone call that received over 50 angry comments on XXXX, he did not return my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
After a complaint against Wells Fargo for stealing customer '' s funds {$500.00} with transaction number XXXX on XX/XX/2019 as well as breaching agreement of promotion bonus {$1100.00}, failure to give 30 days closure notice, defrauding consumer, blocking customer transactions such as mobile deposit, internal transfer, business direct pay etc. On XX/XX/2019 Wells Fargo continue to possess customer funds {$3000.00} with transaction number XXXX business direct pay. I have contacted Wells Fargo customer service staff named XXXX ID # XXXX to report lost and stolen funds in order to cover the stolen funds immediately. However he hanged up the call even I have not completed the reporting. On XX/XX/2019 I already contacted the branch located at DC XXXX by giving a copy of promotion offer total {$1100.00} plus my accusations toward unpaid {$750.00} fraudulent checks issued by Wells Fargo. At this time, I really can not tolerate repeated stealing customer funds {$500.00} and {$3000.00} and holding customer funds {$5000.00}. Due to the banks continued blocking the business transaction and choose not to pay promotion bonus, I am asking total {$20000.00} damages because Wells Fargo caused this : bringing significant loss to customer such as {$500.00} loss and {$3000.00} loss, {$5000.00} on hold, {$750.00} fraudulent checks as well as other {$120.00}, {$140.00}, {$45.00}, {$10.00} {$200.00} happened in the past. I as consumer is asking Wells Fargo to stop playing theft yield theft trick and slander towards customer. You must pay me 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 explanation
Consumer complaint received 2019-08-29 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 THE WEST
State: NE

Complaint narrative:
My account was overdrawn {$5.00} and I was charged a {$35.00} fee for everyday the account remained overdrawn. It isnt outlined clearly thats fees are assessed daily and fees being charged for having fees doesnt seem right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2019, I was in contact with a person named " XXXX XXXX '' via text message from phone number XXXX about concert meet and greet ticket for XXXX XXXX XXXX in XXXX MA. XXXX stated that she would sell me two meet and greet tickets for {$40.00} a piece totaling {$80.00}. XXXX asked me to send the money through PayPal friends and family so that she did not have to pay the fee and wait for the money to come through. I sent the money to her and then she stated that she cancelled it accidentally. I asked her for proof it was cancelled in which she supplied me with a transaction number from PayPal. I asked for proof of the tickets and who she was and she sent it to me also. I never received the product I paid for. I contacted PayPal and they stated they could not do anything for me due to me sending it friends and family and not business transaction. I then disputed the transaction through XXXX XXXX XXXX due to that being the credit card I used. XXXX XXXX XXXX stated that they could not do anything for me either due to PayPals policies. I am looking to get these transaction taken off of my credit card due to it being fraud. I paid for a product I did not receive and have the text messages to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Way to many overdraft fees. I've been a long time customer and these fees are becoming ridiculous. I had to make a purchase at XXXX for medication and food to prepare for hurricane

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-29 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: NY

Complaint narrative:
On XX/XX/2019, I was in contact with a person named " XXXX XXXX '' via text message from phone number XXXX about concert meet and greet ticket for XXXX XXXX XXXX in XXXX MA. XXXX stated that she would sell me two meet and greet tickets for {$40.00} a piece totaling {$80.00}. XXXX asked me to send the money through XXXX friends and family so that she did not have to pay the fee and wait for the money to come through. I sent the money to her and then she stated that she cancelled it accidentally. I asked her for proof it was cancelled in which she supplied me with a transaction number from XXXX. I resent money again to her and she stated that she received it. I asked for proof of the tickets and who she was and she sent it to me also. I never received the product I paid for. I contacted XXXX and they stated they could not do anything for me due to me sending it friends and family and not business transaction. I then disputed the transaction through Bank of America due to that being the credit card I used. Bank of America stated that they could not do anything for me either due to XXXX policies. I am looking to get these transaction taken off of my credit card due to it being fraud. I paid for a product I did not receive and have the text messages to prove it.

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 2019-08-29 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I was warned by my card company ( by phone ) that two XX/XX/XXXX resort charges for {$1100.00} and {$600.00} looked like possible fraud. I informed the card representative that my daughter and I did not make these charges. He cancelled our cards. Later, I receivied a card bill for XX/XX/XXXX-XX/XX/XXXX that still had the two resort charges. I called a card representative and told him the two charges were on my bill. He cancelled our cards again. Next, I received a card bill for XX/XX/XXXX-XX/XX/XXXX that still had the resort charges and interest on those charges. I sent my letter of XX/XX/XXXX to the card company complaining and asking removal of the fraudulent charges and interest from my account. I then received the card bill for XX/XX/XXXX-XX/XX/XXXX with the fraudulent charges and more interest still on the bill. I sent my letter of XX/XX/XXXX complaining and requesting a reply by XX/XX/XXXX. I then received the card company XX/XX/XXXX letter stating : " Per our records your account was issued a credit from the merchantin the amount of {$600.00}. Therefore, we have billed your account {$600.00}. This correction shows on your XX/XX/XXXX statement. We now consider this investigation complete. '' I then sent my letter of XX/XX/XXXX saying I had not received a credit of {$600.00} from the resort. The card company then replied by their letter strangely dated XX/XX/XXXX saying I was previously rebilled for the {$600.00} charge, and they had recredited my account for this amount. The adjustment would appear within one to two billing cycles.The card bill for XX/XX/XXXX-XX/XX/XXXX showed the {$600.00} credit, but it showed a balance that included the original fraudulent charges plus interest. ( I admit that I did not initially notice that the original fraudulent charges were still included in the balanced owed. ) I then sent my letter of XX/XX/XXXX saying that my card bill should only contain my current charges. I want my futures billings to only show what is owed from current charges and no interest. I always pay the full blance that I owe on my cards ( minus fraudulent charges ) so that I never incur any interest.

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 2019-08-29 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: CT

Complaint narrative:
I'm a XXXX XXXX XXXX taking six courses a semester while working a 40 hour week job. I Iost my job and could not pay my XXXX XXXX credit card ( {$2000.00} ). A few months later after I was situated at a new job, I received a letter for the option to pay a lump sum of {$1400.00} in order to " settle '' my account. I paid this lump sum with the entirety of my paycheck ( s ) in the course of just two weeks! XXXX from the credit card department assisted me in taking these payments. 

I called back to confirm everything was done and I would no longer be harassed by their credit department, was told I was good to go. Of course that was not the case, not only was I still harassed, my credit report showed that just two months later, this account was " Charged off as bad credit '' as opposed to " settled '' ( TransUnion ). I made a complaint and nothing happened. I also noticed the balance of the account was not XXXX, but $ XXXX< ( The amount not paid in the settlement ). Every month it grew higher, it's as if they lied and just took the lump sum and wanted me to pay the rest! 

I called back XXXX XXXX and was now greeted with a XXXX XXXX   named XXXX ( XXXX ext XXXX ), who kept hanging up on me after treating me like a criminal. I reported him to his boss with a recording of the phone call that received over 50 angry comments on XXXX, he did not return my call.

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 2019-08-29 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: ID Analytics, Inc.
State: OK

Complaint narrative:
I have attempted several times to place a security freeze on my SageStream report. 

I sent a signed letter on XX/XX/19 to : SageStream , LLC Consumer Office, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. In the letter I stated that I was requesting a security freeze. I included my full name, address, phone number, social security number, and date of birth. I also sent a copy of my driver 's licence and recent water bill. This request complied with the criteria outlined at https : //www.sagestreamllc.com/security-freeze/ After approximately 30 days, I began calling. I called on XX/XX/19, XX/XX/19 and XX/XX/19 but the company only has a voice message. I attempted the number listed on Sage Stream 's website : ( XXXX ) XXXX. 

A consumer can request a security freeze by 1 ) mailing in a compliant request, OR 2 )  calling the number listed on the site. I have attempted both and have been unsuccessful.

Company response to consumer: Closed with explanation