vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-09 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I AM LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-08-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a loyal customer of Citibank for 30 years, but have somehow been caught up in a faulty security processing loop. Citibank has locked my card, refuses to complete my identity verification, continues to charge me fees for the card. In the end, I only wish to re-establish service, but there appears to be no means for accomplishing this. Escalation to managers only results in more physical letters dispatched to my mailing address, none of which apparently contain the requisite information that would allow unlocking of 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 2019-08-10 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I AM LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-08-10 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I AM LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Burton Neil & Associates, P.C.
State: PA

Complaint narrative:
In XX/XX/2019, there were 2 payments that were automatically drafted in my bank account of {$100.00} each. I called Burton Neil and Associates to explain the situation and my Blended Case Manager was with me when we both talked to a Mr. XXXX XXXX. XXXX XXXX stated that there would be a check mailed to me in the amount of {$100.00} and it never came. Then, XXXX XXXX XXXX, mailed me a letter on XX/XX/2019 explaining that a deposit of {$100.00} with the check number XXXX will be deposited into my account when in fact it was a withdraw for {$100.00} with the {$100.00} refund deposit still uncountable for. Now I am very stressed and worried where this {$100.00} is THAT HAS BEEN PROMISED IN WRITING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am trying to place a credit freeze with Experian, and I have been unable to do so. I had no similar difficulty doing the same with XXXX and XXXX 

I tried to do this online with Experian, but was unsuccessful. After being asked a number of questions, I was told they could not confirm my identity, and I was instructed to mail supporting documents. I did this a number of weeks ago, and thus far I have received no response. 

Initially, I thought I had answered the online questions incorrectly. However, I was able to successfully sign up separately for an account with Experian, and this account enabled me to see my credit report including previous addresses. One of the addresses they have on file for me is incorrect. ( It's a typo of a correct address. ) This was one of the questions that I was asked to verify my identify, so it is clear that what I thought was my error was likely actually their error. 

It is interesting to me, that while I have not been able to place a credit freeze with Experian, every time I log into my Experian account I get all kinds of credit monitoring offers. For example, evidently for $ XXXX/month I can " lock '' my credit, but nowhere that I can see, can I place the free credit freeze. I wonder why? 

I believe it is unacceptable that I should have so much difficulty in trying to protect my credit. I'm sure Experian would make some excuse about protecting against nefarious intent here, by placing a credit freeze. But I be willing to bet the data does not support this, and the overwhelming problem case is identify theft. Rather, it seems clear to me that these companies are engaged in consumer abuse. They maximize profits, by avoiding the costs of adequate computer security, then after they lose our data, they attempt to sell us credit monitoring services. ( It's remarkable that these companies have some of the poorest password policies I have seen ; Try choosing a longer password. ) Frankly, it's amazing. 

Thank you for your help.

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 2019-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I took a car loan with PNC Bank when I purchased my XXXX   XXXX XXXX last year. Payments are due on the XX/XX/XXXX, but I have up to XX/XX/XXXX to pay without a late fee. Given the timing of payroll at my employer, it is more convenient for me to pay closer to the end of the grace period ( i.e. the XX/XX/XXXX of every month ). I have communicated this to the bank verbally, and thru their social media. 

I pay more than the minimum every month. 

I have requested that they stop calling me, and went as far as contacting them by phone, thru social media and even a " snail mail '' letter as is their procedure. The calls have continued. Again, I make payment every month and my credit score continues to go up. This amounts to harrassment from this bank and I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Attention SERVICE RECOVERY TEAM XXXX XXXX XXXX PLEASE NOTE THAT I AM ADDING INFORMATION TO COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX I MADE A PHONE CALL TO FED LOAN SERVICING PHONE ON XX/XX/XXXX, AND SPOKE TO XXXX, ID  XXXX She informed me of my : Pay off age : XXXX yrs old Pay off amount : {XXXX0}, XXXX would not lose years paid into income based repayment plan prior. ( 6 years paid to XXXX would roll over to this plan ) General information to consider : I've made 13 years of loan payments total ... I paid $ XXXX month for 5 years ( XXXX ) before income based plan with XXXX XXXX XXXX I left XXXX in XXXX to seek a company that practiced ethics, which I thought was Fed Loan Servicing. 

In XXXX when I was applying for the loan, with Fed Loan Servicing I was told I would receive credit for the years I was on the income based plan prior Fed Loan Servicing by the person fed loan servicing gave that responsibility to. ( XXXX, ID  XXXX ) Now Im being told that I lost the 6 years that I paid into the income based plan because of the loan consolidation, which will cost me {$28000.00}. 

I chose Fed Loan Servicing because XXXX was not forthright in sending me a complete break down of my loan payments until I filed a formal complaint with Consumer Finance Protection, which took nearly year to resolve. 

No actual prospective payoff dates are given with the way the system is set up now, since borrowers must reapply for income based plans annually. Adding six years of payments to my existing program puts me into my mid 80s to complete this loan. ( a 35 year loan, with interest. 


Loan forgiveness plans are confusing and the borrows are told conflicting information concerning payments. I was told on two accounts that I must consolidate my loans in order to qualify. 

This results in large systemic ethical lapses, and consumers like myself are forced to be very proactive in rectifying poor lending practices, and lack of information given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I received a mail solicitation from Chase Bank with the coupon offering {$300.00} Bonus for opening Checking account and {$200.00} for opening Savings account or {$600.00} for opening both Checking and Savings account. I went to the Chase Branch, located at XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX and XXXX XXXX, Chase Private Client XXXX helped me to open Chase Total Checking account # ending inXXXX and Chase Savings # ending in XXXX. While he was opening these accounts, he entered the promotion code printed on the coupon and the system has advised him that I may not qualified for the bonus because of two year rule, i.e. one bonus is awarded every two years. I immediately advised XXXX XXXX that I am not interesting in opening accounts if I do not get the promised bonus solely because of a very significant amount, {$15000.00}, required to deposit and keep for over 90 days with Chase Bank in order to qualify for the bonus. I explained to XXXX XXXX that keeping more that {$15000.00} on the account practically interest free for over three months would cause an economic loss to me if I dont get the {$600.00} bonus. XXXX XXXX assured me that if the bonus wont be paid he will approve crediting it on the branch level, at the branch expense, beingthe second in charge at his branch. Only after receiving XXXX XXXX assurances that I will be paid combined bonus of {$600.00}, I agreed to open both accounts and keep over {$15000.00} for the next 90 days. On XX/XX/19or more then 90 days after account opening, I received a {$100.00} bonus. I immediately contacted XXXX XXXX seeking the remaining portion of {$500.00} that has never been paid. XXXX XXXX asked me to provide him with the copy of the coupon so he would request a credit on the branch level as he promised at the time of the account opening. His bonus request was denied and he escalated this case to his superiors. In early XX/XX/XXXXof this year, I received a phone call from XXXX, a Chase representative who refused to provide his last name and who told me that Chase is not going to honor XXXX XXXX promise made on behalf of the Chase Bank and pay the promised {$600.00} bonus. XXXX has shown no compassion or understanding of my situation. I would not have opened accounts with Chase and kept over {$15000.00} practically interest free for over 100 days, but not for solely XXXX XXXX promise to pay me {$600.00} opening bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
In XXXX of XXXX, I sold a house I owned in XXXX, CA. I called XXXX XXXX XXXX to close my account ( XXXX XXXX and internet ). The gentleman on the phone gave me instructions on how to return the modem ( through XXXX store, which I did within 2 weeks ) and said a kit would be sent to me so I could return the DVR. I gave them my forwarding address. I never received the kit. The following month and for the next two months, I received a bill at my forwarding address ( interesting they could get a bill to me, but not the kit? ) for non-return of equipment. Each month I called them to tell them I hadn't received the kit. Each month, they said they had sent it. I asked them where they sent it, but they said they couldn't look that up. They promised to send another kit each month, each month I verified that they had my forwarding address. I never received a kit. Then, I received a notice that they were sending the bogus, non-return fee to collections. I finally got hold of a supervisor and after about a half-hour, she was able to see that they had been sending the kits to my old address ( the house I had sold ). She verified my forwarding address and sent a kit. I told her that this better not show up on my credit report and she said it wouldn't as soon as they received the equipment. I sent the equipment back the day I received the kit and thought no more about it. A couple of months later, I checked my credit report and the collection was on it ( {$240.00}, XXXX XXXX XXXX ). I first filed disputes with the credit bureaus and they wouldn't remove it. I then called XXXX XXXX XXXX AGAIN, got hold of someone who said I owed {$3.00} and change, but the collection should not be showing. I paid the {$3.00} over the phone and she said she couldn't send me anything in writing ( WHAT? ), but that all the bureaus would be notified that the account balance was XXXX. The collection dropped off my credit report for about three months, then it mysteriously reappered. I disputed it again with the credit bureaus and they sent the dispute to the collection agency ( Diversified Consultants, XXXX XXXX XXXX, XXXX, MI XXXX ). Diversified Consultants sent me a letter saying they had received the dispute, but I also had to write a letter to them disputing the charge, which I did on XX/XX/XXXX. Today I received a letter from Diversified Consultants stating that they investigated the case and they will not remove the collection. I don't know what else to do-it 's affecting my credit. XXXX has closed my credit line and it's starting to hurt me financially. XXXX XXXX XXXX wont send me anything in writing. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I have contacted PayPal this person that I try to purchase tickets from on PayPal told me to send her {$70.00} for tickets and that she would transfer me tickets on to my email and she never did I just found out that she is a scammer and has been scamming a lot of people when it's contacted PayPal PayPal basically said that I need to call my bank so my bank and refund the money this is wrong and it's not right and they're basically blowing me off the lady name is XXXX XXXX n she is scamminh people using paypal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Ad Astra Recovery Services Inc
State: AZ

Complaint narrative:
I have received over the last 12-16 months a company named XXXX XXXX trying to collect a debt. The debt recovery company is Ad astra debt recovery services. I did not realize that several hundreds of dollars was coming out of my bank account and this was a while back. I am trying to locate the information with the account number and other information important to this case. I have been a victim in two ways. 

First, I had a debt collector trying to tell me I need to pay a loan which was not mine. 

Second, is that I am a victim of financial fraud because some one used my identity as XXXX XXXX and stole money from my credit union account in XXXX County California.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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:
Had an issue in an application I used. The developer for the application refused to help me with my issues. Called my bank to get my money invested back. Wells fargo claims department credited my account with funds then took them back. I have been contacting the claims department regarding my issue and they always tell me to re send in documentation. I have sent in my documentation 4 different times, ( each with a 48 hour waiting period ) and now my finances are spiraling downhill. The bank also took my VA  XXXX pay because of the negative balance I incurred from them taking the money back.

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 2019-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I made a purchase of merchandise costing {$500.00} and was told to send the money via XXXX on XX/XX/2019. Once this was done and verified the recipient was unreachable. I called my bank and they informed me that there was nothing that they could do And told me to contact XXXX. They said that we could do a dispute but there was no guarantee that it would go in my favor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: Bliksum, LLC
State: CA

Complaint narrative:
XX/XX/XXXX I took a loan out with LOANME, XXXX amount for {$2500.00} and in XX/XX/XXXX I went on a XXXX leave from my job. I was unable to continue paying my loan. LOANME sold my loan to someone els. I have since paid off my loan to one of the other companies that brought the loan for {$2600.00} in XX/XX/XXXX. 
LOANME is still reporting to credit company that my loan is Nigitive and refuse to acknowledge in my credit report, are to the credit bureau that it has been settle and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: NE

Complaint narrative:
In XX/XX/2018 I was the victim of identity theft where a person stole my entire wallet and proceeded to run up {$21000.00} of expenses on my XXXX credit card. Upon discovery that my wallet had been stolen, I immediately contacted the XXXX XXXX Police Dept. and filed a theft report the following day. I filed a claim with XXXX that my card was the subject of fraud and identity theft. XXXX is the only credit card in my stolen wallet that refused to remove the fraudulent activity from my account and is holding me liable for the charges. I have disputed this negative reporting with all 3 credit bureaus and supplied substantial documentation that I was the victim of theft, identity theft and fraud. None of the bureaus have removed or blocked the XXXX account from being negatively reported as required by law.

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 2019-08-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACS Education Services
State: CO

Complaint narrative:
Conduent sent me a notice in the mail that is dated for XX/XX/2019. I received the notice on XX/XX/2019. Conduent is stating that a loan from my XXXX school was sent to them to be my servicer and that I have 30 days to notify them of the inaccuracy. They are saying that I owe them {$4000.00}. The problem is that I never took a private loan, a perkins loan, or a FFEL loan through my institution. I cross-referenced all the loans I took out in XXXX school to the NSLDS database and this loan amount never shows up. In addition, I looked at all my financial aid award letters from my institution and they all say Federal Direct Loan or Federal Direct Grad Plus loan. None of them say institutional loan, perkins loan, or FFEL loan. I have already consolidated all my loans through XXXX XXXX XXXX which has serviced every loan I've had in XXXX school and this loan isn't one of them. The company is being extremely difficult to get a hold of to dispute this loan.

Company response to consumer: Closed with explanation