vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im having a problem with XXXX XXXX XXXX states that they own the debt and they are reporting inaccurate information and I also want to send me proof of purchase and license to collect on my state

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 2018-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Thursday XX/XX/XXXX, I called fifth third bank to activate my online banking account so I could access it. At first I went to website and it asked for my pin. I never set up my pin so I was forced to call the bank. I was transferred three different times and the last person I spoke to was XXXX the credit card specialist. He listened to me and said he would put me through an automated system to pick my pin. That transfer ended up bringing me another queue and at that point I hung up. This all occurred between XXXX-XXXX. All I want from this a temporary id/password as many many many other companies successfully do and I'll be on my way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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:
showing inaccurate information just want a free report to see the issues for sure company not willing to send me my free credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: OpenRoad Lending
State: IA

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. While reviewing his credit reports he found a fraudulent related inquiry from Open Road Lending made into his XXXX, XXXX and XXXX credit reports, created XX/XX/2018. This was done without his consent. A formal dispute was mailed certified mail with return receipt to Open Road Lending XX/XX/2018 however as of this date Open Road Lending has not replied to the status of the investigation of removal of data from my clients credit reports which is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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:
showing inaccurate information just want a free report to see the issues for sure company not willing to send me my 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 non-monetary relief
Consumer complaint received 2018-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I requested a transfer into my savings account from a linked checking account, via ACH. I later discovered that there the bank applies a five day hold on ACH deposits, which is not disclosed in their materials and is materially longer than the ACH transaction clearing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I joined Ally Bank on Thursday, XX/XX/XXXX and proceeded to set up a direct deposit with them. On Friday, XX/XX/XXXX, I received my first deposit for the amount of around {$140.00} ( dont know specifics because unable to access the account ). Ally has a policy about only sending debit cards after a deposit is made to the account and it takes around 10 days. I figured, since they are a member of the XXXX transfer system, I could then proceed to move my money out of the account to a family members so I would have some money in the meantime for food and transportation costs to my job. However, during the process it said that I had no security questions ( which I did ) and that I needed to call them. I called them and was asked to confirm a multitude of questions some such as the regular Social Security, Date of Birth, Address, Security Questions, etc but also ones such as what is your hair color what is your mothers first name where was your social security issued. I know the answers I provided to be true as I would know my own identity, but was told I would be locked out of my account and would have to send my ID and SS, front and back, to XXXX ; attention XXXX. I proceeded to do this the same day ( Friday, XXXX XXXX ) about an hour after this phone conversation. I understood it was the weekend and might take up til Monday or so. On Monday ( XX/XX/XXXX, I called and to my suprise the back office where it needed to be reviewed was closed due to veterans day. Ok, no problem..So I call Tuesday ( XX/XX/XXXX ) and was told it would be reviewed either today or tomorrow. I again wait patiently. On Wednesday, at around XXXX, I still hadnt heard anything and proceeded call them to be told it would be reviewed later that day, and I would be receiving a phone call. I didnt hear anything. I call them today ( Thursday, XX/XX/XXXX ) and am told the same thing I have been told now for days, that it will be reviewed that day and I will recieve a call. I am getting very frustrated as I am out of money for my transportation, I have no food at my home, and am now struggling just to get through the week because they will not review my account. I told them they had told me it was supposed to already been reviewed and they seemed to not care at all, nor wanted to attempt to prioritize it. It will be a week that I have not had access to my account as of tomorrow.

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 2018-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I am needing to have someone investigate the interest on my student loans. I graduated in XX/XX/XXXX. My loans were consolidated with a principal amount of {$42000.00}. My loan was transferred to Navient in XXXX and had already accumulated over {$20000.00} in interest making the total for both subsidized and unsubsidized {$61000.00}. As of today in XXXX, I have an excess of over {$30000.00} in interest for my student loans. Never really explained the accumulation of interest when in forbearance. I am in an IBR repayment plan because I have never gotten a better paying job as of yet and it is very unfortunate for those of us who financially can not afford to pay the full payment to be hit with so much interest. My interest now is almost greater than the principle amount and this has burdened me mentally to know I owe so much and don't have a clue how to pay this any other way but to continue to gain interest. This makes me feel that getting this education is more of a burden to me than it has helped my life and I find myself in tears a many times wondering how I will ever rid this debt without continuously gaining interest at the same time. As a single mom, I was unable to attend previously and after finally being able to go, I was was hoping to improve my income having graduated. This is now a burden to me and prevents me from getting ahead. I need someone to investigate the interest I am being hit with on this student loan ; its ridiculous that we as American citizens pay so much for an education and my now XXXX yr. old daughter who also received her XXXX degree, tells me she think education is over rated. What a punch to learn after 50 years of life and never being able to complete my education until the age of XXXX but with so much burden behind it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Responding to a mail solicitation, I deposited {$15000.00} with Citibank on XX/XX/2018. The promotion promised a bonus from the bank of {$400.00} after the money was held in a savings and checking account for 60 days, split between the two accounts. I later discovered that the {$400.00} would be deposited in one of the accounts after an additional 90 days. That time elapsed aver two weeks ago I have twice spoken on the telephone with customer service agents and once face-to-face with the manager of a branch office. Each time I was told the {$400.00} would be added to my account in " one or two days. '' No money has been given to me. I notice that on your database there are  many complaints about this same issue. Please help me as Citicorp is unresponsive and evasive on this problem.

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 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a hard inquiry on my credit report from XXXX XXXX XXXX in XX/XX/2018 that should be removed. I have not signed up for telephone service and dont have an account with the company. 
I have disputed the inquiry but it has not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I attempted to logon to my account online the morning of XX/XX/2018 to pay my bill. I was unable to login due to new security measures enacted on the website. I attempted to reset my password, but was only given the option of providing a credit card number in order to reset it, which seems like a security risk as it did not appear the field was encrypted. I then contacted customer service to have them reset my password only to find out that they wanted me to provide them with my card number as well. I do not have the card, as I shredded the card a year ago as I no longer use it and to prevent unwanted purchases. However, I do still have a balance and wanted to pay my bill. The representative informed me that they will order me a new card and transferred me to the fraud department. The fraud department wanted me to provide them a reason why I wanted a new card ( due to lost/stolen cards ). I informed him that the card was neither lost nor stolen and I just wanted to reset my password. He then transferred me back to customer service and told me that it would be no problem to reset the password. The customer service rep again told me to provide him with the card number, which I said again why I did not have the card. I then said to just send me a new card so I can get the card and reset the password. The representative asked me my security questions, which I answered and then asked me for my bank account number. I was shocked to find out that they wanted my full bank account number that is at a different institution. At no time should one financial institution be asking me what another financial institution 's account number is for the purposes of verification, to me, that is a serious security risk. Once the card was issued, he told me to call back once the card is received as he could not reset the password even after the new card was issued. Sending a physical card to my house in order to reset a password on the website seems to be more of a security risk than it is to fully verify my identity over the phone. It should not be this difficult to be able to access my account to make payments and obtain statements.

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 2018-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am filing this dispute against XXXX XXXX/Resurgent for unfair and inaccurate credit reporting. The collection was removed from my credit report XX/XX/2016 and the re-added without any form of notice. Under the Fair Credit Reporting 15 U.S.C. 1681g Act I demanded disclosure of the documents that were recorded and retained. I have sent XXXX XXXX XXXX, XXXX, XXXX, and XXXX multiple letters to verify and validate the debt as mine. I have not received documentation or verifiable proof from XXXX XXXX XXXX, XXXX, or XXXX. XXXX removed the debt as it could not be validated. If XXXX could not validate the debt how are XXXX  and XXXX? Where are the documents to show proof that I had a contract with XXXX XXXX XXXX? I am requesting if you do not have any documentation in your files to verify the accuracy of these disputed accounts and proof that they have authorization to collect debt, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Failure to provide me with  verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
on XX/XX/2018 Bank of America closed my account and refused to release my funds to me. Several supervisors promised the funds would be available the next day however that never happened. I have approx {$500.00} in the account and I have electric bills, child care expenses. To this day BOA will not release my funds and I am subjected to electric shut off and other defaulted bills.

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 2018-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Monies were removed out of my account without my authorization. Went into the branch and signed insurance check and was told upon endorsing the check the funds would be release in two installments. 

Still no resolution after 7 months. I am constantly getting the runarounds which is very frustrating and I have been overly patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: PA

Complaint narrative:
I have been an American Express customer for more than 5 years, frequently using their cards and amassing membership reward points. I went to use the points today that I have used over the years and was unable to. They are " reviewing '' my account, but are unable to tell me when the review started, what triggered the review, or when I would be hearing back regarding the review. Furthermore, I was not contacted about this review - only my own attempts to use the points demonstrated the review implemented. 

I have {$4000.00} in points being held hostage with no explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I was making payments recently with XXXX XXXX, they were NOT reporting any of my payments that I were making every month to the credit bureaus but then when I missed one payment XXXX XXXX reported me to all 3 credit bureaus and they DID NOT CONTACT me by mail to notify me first before reporting it to collections. I had nothing in collections before at this time but now Im in collections because of this company and I feel I deserved a phone call or a letter in the mail to notify me to make me aware the account was threatening collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: IL

Complaint narrative:
On XXXX XXXX I wrote to Transunion, XXXX, & XXXX   in regards to them saying I owe XXXX XXXX XXXX {$480.00} & $ XXXX.Also, I wrote XXXX about XXXX XXXX stating I owe them {$18.00} being reported inaccurate as well on my credit the same days for the XXXX XXXX XXXX. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XXXX XXXX I received a itemized bill instead of evidence bearing my signature. So on XX/XX/XXXX I wrote TransUnion, XXXX, & XXXX  informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to 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. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/XXXX they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. An to my surprise I see several inaccurate inquiries reporting on my credit report file from Transunion from XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX   on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. I inform them I dont recall these companies authorizing to pull my credit file. Because its making it very hard for me to acquire credit. XXXX  as well with unauthorized inquires from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. XXXX also XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I would like all this inaccurate information removed immediately off my 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 explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: UT

Complaint narrative:
I am disputing this amount because I have no knowledge of this debt. They removed it from my XXXX, but will not remove it from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased my XXXX XXXX from XXXX and it is being financed by Westlake Services , LLC. dba as Westlake Financial Services on XX/XX/2018. In the last two months this company has not posted the payments to my account in a timely manner. They are processing the {$450.00} the day after it is due date, then stating that the loan payment was received late. I send the money by certified mail every month and can track the date and time when the representative signed it which was on XX/XX/XXXX at XXXX XXXX. 

Apparently, this billing practice is not a concern to them. I honestly feel this is an example of predatory lending at its best. When I send an email or called and spoke to the people in the Billing Department, nothing is ever done and the problem seems to be progressively getting worst. 

Additionally, the payoff amounts do not coincide, as the one on the Billing Statement is much higher than the one listed on their website. Evidently, this is another red flag and should be investigated as well.

Company response to consumer: Closed with explanation