vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: FL

Complaint narrative:
Today XX/XX/2020. I checked my FICO report and wanted to know why my score dropped dramatically this year. Then I saw from three reports that I owed {$170.00} to the company called " RASH CURTIS AND ASSOCIATES '' ( XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ). I checked with the original creditor " XXXX XXXX XXXX XXXX '' ( XXXX XXXX XXXX # XXXX, XXXX, CA XXXX ) and they said there was no balance that I need to pay. So I'm confused by why " RASH CURTIS AND ASSOCIATES '' still has me on their collection list and that significantly affected my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I do not have access to the documents related to these accounts.

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 2020-07-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Hello my name is XXXX. I am XXXX years old and I live in New York. When I was XXXX my older brother and I went to a {$30000.00} College in XXXX called XXXX XXXX.4 years ago I got a job as a XXXX. About two years ago I started getting garnished by a company called XXXX and XXXX for my private student loan which was XXXX. To make matters worse I find out that my brother 's Federal College loan I am being charged for. Navient owns my private student loan which was XXXX and they also own my brothers Federal {$30000.00} student loan but they both are being charged to me. so I'm now being charged XXXX for the private loan ( being garnished for that ) and I'm losing my tax return on for my older brothers federal student loan for XXXX that I didn't co-sign for and didn't have the ability to due to the fact that I was not working and I was only XXXX years old. As for the private loan that I took out for my XXXX XXXX XXXX in XXXX XXXX at XXXX XXXX NY, I could not afford to repay the loan when it was originally obtained. 
I was misled about the loan. 
The credit provider knew or ought to have known that i did not understand what was happening and took advantage of me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Repeated calls. Ive attempted to settle with no resolution to remove from my account.

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 2020-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. 

Please validate this information with XXXX XXXX  and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.

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 2020-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
This is on a store credit card. I pay the monthly statements via EFT through my bank. In XXXX the payment was due on the XXXX. The payment left my bank on XX/XX/XXXX and for whatever reason it did not post to my store account ( even though it was an EFT ) until the XXXX. This of course resulted in me being charged a late fee and interest of {$29.00} on a total bill of {$73.00} for one day late, which I reluctantly PAID. Then to add insult to injury I was charged again on the next statement a {$1.00} minimum interest charge. When I called customer service to inquire as to why, I was told that once your payment is late it is their policy to continue to charge a minimum fee for two additional months after the late payment. I realize it is only {$1.00} but this just can't be right.

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 2020-07-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX  ( XXXX  ) forced XXXX  to Resign prior to taking certain classes. XXXX then proceeded to demand payment for those courses they restricted XXXX from taking. 
XXXX  entered into an Enrollment Agreement ( Exhibit A ) to pursue training in XXXX XXXX  XXXX at the ( XXXX ). XXXX  's courses were to be taken at the XXXX  Branch Campus in NJ. The Enrollment Agreement is signed by XXXX XX/XX/XXXX and is attached as Exhibit A. 
XXXX 's first course ( XXXX XXXX  XXXX ), he was given a failing grade because of his final exam grade of XXXX. His overall grade for the course was XXXX. 
On XX/XX/XXXX, XXXX was place on academic probation ( Exhibit B ). He was told that he must score a passing grade of XXXX on all subsequent courses. 
XXXX  's next course ( XXXX  ) he did receive a Final Exam grade of XXXX and an overall grade of XXXX ( Exhibit C ). 
On XX/XX/XXXX XXXX  was pulled out of his third course and forced to resign despite satisfying the requirements of the academic probation ( Exhibit D ). It should be noted that up to that date, XXXX  had a perfect attendance record and had overall scores of no less than XXXX On XX/XX/XXXX XXXX  received a collection notice alleging a balance outstanding of {$4500.00} ( Exhibit D ). This amount represents those course ( s ) those courses that he was not allowed to take. They were NOT the courses that he took and allegedly failed. Those courses that he completed were paid for by grants and loans ; those loans XXXX will be paying XXXX XXXX directly ( and possibly other loan sources ). According to their own paperwork, this will be {$6000.00}. 
XXXX  is not denying the obligation to pay back the {$6000.00} to creditors for the courses he did take. 
XXXX wants to collect on courses they prevented XXXX from taking. The {$4500.00} XXXX   alleges is owed is denied and constitutes an attempt at Unjust Enrichment by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I do not have access to the documents related to these accounts.

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 2020-07-26 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: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I do not have access to the documents related to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I logged onto my account XX/XX/XXXX and notice that my credit limit has been reduced by {$5000.00} from {$15000.00} to {$10000.00}. I called 5/3 bank the same day that I noticed this and spoke to a customer service representative as well as the representative supervisor XXXX ( employee Id XXXX  ). I inquired why their was a reduction of my credit limit, but no one could provide an answer. They stated a letter was mailed out to me XX/XX/XXXX, but due to extended traveling I will not be able to access the letter. 

Additionally, since I'm in the process of purchasing a home. I have been monitoring my credit like a hawk, and my concern was that such a large drop will drastically affect my credit due by affecting my credit utilization ratios. In the call I requested is their a process to reinstate/ reexamine the credit profile. 

I had a similar incident happen two months prior with a XXXX XXXX  credit card. There process is more consumer friendly then 5/3 bank. First they gave me one month advance notice that they were reducing my credit limit ( unlike 5/3 bank ). Once I received the letter from XXXX I called them and explained to them that I'm looking for a home and that reducing my credit limit would affect my credit utilization ratio. They simply stated that they will put in a request to reinstate my initial credit limit. 

To recap the complaint : 1 ) 5/3 bank reduced my credit limit with advance warning 2 ) I have no way of knowing why they reduced my credit limit 3 ) They do not have a process that was communicated to me regarding if there is a way to appeal or reinstate the decision 4 ) The supervisor refused to provide me or transfer me to the individual who she reports to for me to express my concerns.

5 ) It seems very fishy that my credit limit was reduced shortly after making a larger payment on my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Dear sir madam, I paid two payments by mistake in XXXX on my mortgage with Loancare servicing, I have reached out to them many times requesting return of the extra payment they have continued to ignore my request. After two weeks of constant calling they requested I send them bank proof after doing that they told everyone the refund would be sent out on the XXXX of XXXX. In XXXX a payment for {$2300.00} and {$2400.00} this has really created a great hardship on my family and it appears to be of no real concern of anyone at Loancare I will seek a Civil Litigation Attorney this week if I dont get a response. My phone number is ( XXXX ) XXXX. 
XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: OK

Complaint narrative:
SOMEONE HAD MY CARD INFO AND HAS BEEN USING IT IT BUY FOOD AND RIDES AND GET HOTELS AND AND TRANSFER MONET TO THIERT ACCOUNT. WHEN I NOTICED IT I CALLED CUSTOMER SERVICE AND SHE SAID I CANT DO ANTHING TILL ITS CLEARED AND SHE RESISSUED A CARDF AGAIN. 
A GUY NAME XXXX XXXX IS THE ONE THST  HAD MY CARD INFO AND RACKING UP THE MONEY THAT I NEED TO CATCH UP ON BILLS SO PLEASE HELP ME WI TH THIS THIS GUY NEEDS TO BE STOPPED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XXXX of 2019 I signed up for a " free '' credit report from TransUnion, without requesting any additional services. Since then I have been charged almost {$25.00} a month for " monitoring '', every month, without receiving any notifications, receipts, invoices, etc. There is also no way to terminate this subscription online : one has to call them on the phone, wait on hold, give personal information ( e.g. SSN ), and have the account canceled. TransUnion is clearly trying to avoid this charge being noticed, and obfuscating the fact that you " sign-up '' for this when you request a free credit 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 monetary relief
Consumer complaint received 2020-07-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OK

Complaint narrative:
can't access account, at all. tried calling every number possible. can't get online banking on the website or by calling the 1800 number.

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 2020-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
PNC Bank. They add ghost fees and make it extremely difficult to use, " your own money. '' Now on top of the fee that they take out of my account, to use my money for their own investments, I have to go through all sorts of loops to be able to invest myself. 

They have no problem putting fees on time-sensitive services, such as ; to have a check available immediately through mobile deposit, you can pay a ridiculous amount. Or you are stuck waiting 2-3 days to have accessible funds. Keep in mind, I have been with this bank for over 12 years. 

Why else do you think crypto or decentralized money is so popular among young people? We are tired of being taken advantage of and having no other options. Now, we are seeing more options - but still have many issues with directly investing. Big banks better find some compassion, fast. Or you will get left behind by our generation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: DISCOVER BANK
State: NJ

Complaint narrative:
These account does not belong to me. It was was opened XX/XX/2020. 

Discover Account number unknown. 

XXXX  was made aware over 60 days ago

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Fraud - I have a checking account with Wells Fargo that was fraudulently misused. I noticed a debit for {$200.00} from the ATM, {$1.00} for a " XXXX XXXX '', and {$60.00} from a XXXX XXXX  XX/XX/2020, that was not mine. There was another {$100.00} removed from a linked account ( my son 's account ). I called the bank the next day, XX/XX/2020. They said they would investigate. According to the bank, someone ordered a new card on the XXXX of XXXX, 2020. They had that card mailed to a different address than mine. The purchases were made with that. I reported the money as fraudulent within hours of the fraud yet Wells Fargo said I am responsible for the lost and denied my claim.

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 2020-07-26 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I was a victim of fraud. Unfortunately, it was my boyfriend. He emptied my savings of {$10000.00}. He wrote me a few checks for a very small amount to begin to pay me back. Wells Fargo held the checks for a minimum of three days to ensure that they would clear the XXXX XXXX  Account. 
After that he disappeared. What I dont understand is this. I had a credit card with a credit limit of {$4100.00}. I only had used {$2100.00} Of the credit. The following month I had a balance of {$11000.00}. I was livid. I have fought and disputed this with Wells Fargo since XXXX to no avail, the credit bureaus and discussed with lawyers that I can not afford. I finally convinced Wells Fargo to remove part of the bogus charges. They brought the balance down to a little over 7k. I began to pay it down and then let my anger get the best of me. This company is crooked. I refused to pay! {$6700.00} is my current balance. The account has been charged off 19 times. How does that happen? Also, {$6700.00} is well over my limit of {$4100.00}. Remember, - my original balance was {$2100.00}. With my latest dispute they reported a late payment of XX/XX/XXXX and removed the max debt of $ 11k+. How crooked! How is that possible? The last late payment reported was XXXX XXXX and the last charge off date was XXXX XXXX. This is truly damaging my credit score. Please help me if you can! Kindest Regards, 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 2020-07-26 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: NE

Complaint narrative:
The credit bureau is reporting a collection account with XXXX XXXX XXXX on my credit report. This is not my account and I have disputed to account several times with the credit bureau and the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
received letter from ERC stated I owe XXXX to XXXX XXXX XXXX XXXX which I never had an account with and that has been placed with ERC for collection.They offered discount for {$660.00} and I can pay it with cash at XXXX pharmacy or XXXX store or mailed.They gave me account number and reference number.Had never account with XXXX XXXX XXXX, tried to call number provided but can not reach anybody.Letter tell me that I can dispute the validity of this debt with I never had any relation with that company if I dont dispute it will be consider valid and reported to credit bureu.

Company response to consumer: Closed with explanation