vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-07 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: CA

Complaint narrative:
Experian did not properly and thoroughly investigate my dispute with XXXX XXXX XXXX. Experian reported that they verified my information with XXXX XXXXXXXX XXXX and that they found it to be true. This is not true and Experian falsified the report because XXXX XXXXXXXX XXXX did not have my correct/updated mailing address nor did they have my correct telephone number as my initial dispute stated and that my initial complaint with the CFPB also stated. I also had explained to Experian that XXXX XXXXXXXX XXXX did not allow me to dispute information on the charges that they have stated on the account, which some are found to be fraudulent due to my identity being stolen ; which make the account balance also incorrect. Also, I explained to Experian that the charges on the account were incorrect and that XXXX XXXX XXXXXXXX did not allow me to dispute them and that XXXX XXXX XXXXXXXX never contacted me regarding the charges. Experian falsified their report of stating that they verified that XXXX   XXXX XXXX had initially had my correct information at the time of my first dispute, which was not true. XXXX XXXX XXXX did not have my correct information and only updated the correct information at the time of my dispute with Experian and complaint with CFPB. I request that Experian remove the XXXX XXXXXXXX XXXX account from my credit report report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I checked my statement for XX/XX/XXXX on XX/XX/XXXX. At that time, I noticed that the bill amount was {$42.00}. That was not the same amount on my credit card receipt, where I was charged {$42.00}. Since I only used the card on XX/XX/XXXX during the recent billing cycle, I thought the restaurant where I used the card might have mistakenly charged me. However, when I carefully scrutinized the online statement, I discovered that Citibank had charged an additional {$0.00} for Payment Safeguard, a program which I never enrolled in. Alarmed, I checked all my monthly statements as many as possible. The oldest statement I could obtain online was the XX/XX/XXXX statement. During the two-year period, I discovered that Citibank charged the Payment Safeguard fee five ( 5 ) times, totaling {$5.00}. 

Before I called Citibank, I reviewed my cardmember agreement, including one on the Citibank website, but found no mention of the fee in question. Then, I researched the Payment Safeguard fee on the Internet, and discovered that Citibank has had issues with charging customers this particular fee. Customers have complained in the past that they were unaware of the existence of this fee, only to be told that they had, in fact, signed up for a protection program which allowed the bank to charge the fee. 

I became aware of this fee on XX/XX/XXXX, after careful scrutiny of my recent charges. I did not request enrollment in the program. I have no idea how I became enrolled in the program. On XX/XX/XXXX, I contacted Citibank and explained the situation to them, only to be confronted by an incredulous sounding operator who commented, You did not know that?, concerning my enrollment in the program. I found the comment offensive, as it suggested that I was oblivious as to how I handled my credit card. I requested immediate cancellation of this Payment Safeguard protection, as well as a refund of the money I paid under the usual payment process ( unaware that part of my statement payment was going towards the protection program ). 

The operator told me that a cancellation form would be mailed to my home within 30 business days, but there was no guarantee for a refund of money paid for a service that I did not request. When I mentioned that my research into the program revealed previous incidents where customers reported being unaware of their enrollment in such a program and that the bank was ordered to refund customers payments, the operator replied such reports were unfounded and erroneous. How can this be when my situation sounds so similar to other customer complaints I discovered during my research?

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 2019-06-07 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: IL

Complaint narrative:
I have been making payments thru the Navient website and the money comes out of my bank account but it does not show on my Navient account. Navient sends me emails saying thank you for your payment and your payment has been received but again the money is never posted on my account. In order to talk to a live person you have to sit on hold for 30min.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: HI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, XXXX XXXX and 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 2019-06-07 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a {$500000.00} home equity line of credit : approx 15-20 years ago at a low interest rate of approx. 6 % Without notice : someone at Wellsfargo lowered my still {$50000.00} line of credit to available only {$25000.00}. and open several credit cards at a high interest rate of 12-24 % instead.

I've now have been doubling up on the monthly payments, but the balance only goes down temporary, then a few days later, goes back up. Would like a thorough explanation and written formula of how each interest rate is calculated for each account.

I would like a completed transcript of all transactions of all of my account ( s ) from day one : 1 home equity line, and 5 high interest credit cards that were opened and just appeared online and available.

Solutions : a. re-activate my {$50000.00} line of credit. payoff those high interest credits, at 6 %. b. have someone enroll me in Wellsfargo 's federal hardship program for the high interest credit cards ( no one helps when I called Wellsfargo online number : XXXX ) c. refund the difference between the high interest cards and 6 % ( to pay down the credit cards )

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 2019-06-07 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: CA

Complaint narrative:
Equifax did not properly and thoroughly investigate my dispute with XXXX  XXXX XXXX. I reported to Equifax that XXXX XXXX XXXX did not have my correct/updated mailing address nor did they have my correct telephone number as my initial dispute stated and that my initial complaint with the CFPB also stated. I also had explained to Equifax that XXXX XXXX XXXX did not allow me to dispute information on the charges that they have stated on the account, which some are fraudulent due to my identity being stolen ; which make the account balance also incorrect. Also, I explained to Equifax that the charges on the account were incorrect and that XXXX XXXX XXXX did not allow me to dispute them and that XXXX XXXX XXXX never contacted me regarding some of the fraudulent charges. XXXX XXXX XXXX did not have my correct information and only updated the correct information at the time of my dispute with Equifax and complaint with CFPB. I request that Equifax remove the XXXX XXXX XXXX account from my credit report report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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 — Was not notified of investigation status or results
Company: Lending Club Corp
State: GA

Complaint narrative:
After sending many letters Lending Club has failed to validate this debt in accordance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 

Letter dated XX/XX/18 Certified Mail Signed for XX/XX/18 The initial request, requesting Validation of this debt The law states that I'm entitled to competent evidence bearing my signature showing that I have ( or ever had ) contractual obligation to pay you the law also states you must respond within 30 Days of receipt of my original correspondence. 

Letter dated XX/XX/18 Certified Mail Signed for XX/XX/18 Response to their reply to my initial letter. 
This letter notified Lending Club that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. Also was a formal request of the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, requested that they provide the name, address, and telephone number of each person who personally verified this alleged account so that I can inquire about how they verified without providing any proof, bearing my signature. 
Another formal request, requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Several disputes were initiated with XXXX, XXXX, XXXX each time Lending Club sent verification stating that this is a validate debt and not providing any additional documents. 

I have maintained a careful record of my communications with Lending Club for the purpose of filing a complaint with the CFPB, should you continue in your Non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws I will move forward with the Attorney General 's Office and if that leads to a dead end I will have no choice but to have this issue placed under litigations. 



Based on my paper trail of clear oversight and neglect by Lending Club the following violations could allow me to seek compensation for damages a minimum of {$1000.00} per violation -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) -Defamation -Negligent Enablement of Identity Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: IL

Complaint narrative:
It is obvious that my Identity is combined with someone else 's information in my written statement. Equifax has refused to correct the incorrect reported information activity in my Equifax credit report in over a year. Despite my many requests regarding several credit reporting errors in my Equifax Credit report and Credit score. ( Please see my detailed attachment statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have set up to pay automatically my credit card minimum payments. Despite choosing the minimum amount due for the auto pay, the credit card company tried to withdrawal my full balance which got returned. Now they closed down my account for returned payments! I have made aware a representative about my issue but they didn't want to reinstate. 
This must have been an issue with my app because I got the full amount in addition to the {$25.00} minimum payment due. 
Now this error is causing me to get a hit on my score! Please help resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 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:
What in the world is happening here that my concern was not attended by Equifax and XXXX!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX, XXXX  XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
My account with cash app was closed for no reason they say to withdraw remaining funds add bank or card it only allow the bank option when i try to link it says fail contact support for more options i have emailed cashapp at least 30 times and i dont get a response i have XXXX to withdraw but they will not allow me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
2 family members received voicemails stating they were looking for me with as they had legal documents that needed to be signed. I received a call from caller Id showing phone # in XXXX XXXX court they told me a sheriff had gone to my house and no one opened the door. That I had to pick up legal documents. I asked what was this law suit about they gave me the person who was suing me ( XXXX ) XXXX to call them and they would tell me the case number. I called and they told me I owed $ XXXX for a credit card opened in XXXX. I advised I filed bankruptcy in XXXX. They said I still owed because I got married and my debt goes to my husband. Then I receive a call from Another number called back as no voicemail was left. Appeared to be the sherrifs department and they said they never called apparently this company used their phone # in the caller Id. Called back the same number again who was suing me and told them I need documentation and that I was going to report them. They stayed they had already served me and would see me in court. I have no forms mailed to me stating I have being sued for credit card opened 15 years ago. Also they are now harassing my family members. They asked me to pay half as a settlement and would give me 3 hours to pay.

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 2019-06-07 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:
What in the world is happening here that my concern was not attended by XXXX  and Transunion!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report 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 ( Original Creditor : 11 XXXX XXXX  ) XXXX**** , XXXX ( Original Creditor : 11 XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX  XXXX XXXX ) XXXX** , XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX****, XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX****, XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX**, XXXX XXXX ( Original Creditor : 09 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 2019-06-07 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:
What in the world is happening here that my concern was not attended by Experian!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX/XXXX XXXX, XXXX   XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX , XXXX ( Original Creditor : XXXX  XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX TX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : 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 2019-06-07 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: TX

Complaint narrative:
I have disputed the late payment status reported on XXXX XXXX XXXX   XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: TX

Complaint narrative:
I have disputed the late payment status reported on XXXX XXXX XXXX XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2019-06-07 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: TX

Complaint narrative:
I have disputed the late payment status reported on XXXX XXXX XXXX   XXXX***** with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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