vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is in regard to a debit card called access 360 issued by 53rd bank
In XX/XX/2018 i discovered though use of my app that there was money missing from my access 360 card ending in XXXX (this account has been closed), upon contacting the access 360 department i discover there was an unauthorized transaction for $XXXX   charge to my card at a XXXX XXXX in XXXX on or around XX/XX/XXXX. I immediately disputed the transaction and was given case number XXXX and a temporary credit off same amount. Weeks later i notice  the $XXXX i had on the card was gone and my account was in the negative over a $XXXX, after calling their dispute department i find out they took back the temporary credit as they had ruled in favor of the merchant, and sent me a letter claiming why they made such ruling. After a few weeks had pass and not receiving any such letter so i can re-open the case; i kept calling for said letter to be recent and to this date after escalating the request to resend said letter, i have received no such letter. I went and got a police report to re-open the case but the dispute department keep telling me there is a form to be filled out to re-open the case; in which i requested a copy of this form on several occasions but to this day still haven't gotten any such form either. the last time i called  their dispute department i was told to go to the nearest 53rd branch and a copy of form would be faxed to them instead, when i went to the bran and had them called the dispute department; we were told that said form could not be faxed or emailed, it would have to be mailed, an agent at the branch even change my correspondent address to the bank's address so that in case it was a problem with my address then said form could go to the bank and i go pick it up, i called that branch on 3 occasions asking if they had received any such form as yet; but they haven't. i think 53rd bank is a very unorganized bank that probably got my case mixed up or lost; as every time i called i get transferred around in circles. Since then they have closed my accounts for non payments and sent the negative balance to a collection agency; as a result significantly damaging my credit. Also, i received a letter from 53rd bank that there was an unauthorized access of my account by one of their employees; and i am not sure if this could be related to the incident with my access 360 card, i will attach a copy of this letter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC
State: OH

Complaint narrative:
Please substantiate your claims regarding information RECOVERY ONE LLC. transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX. Since reporting errors may be vis-a-vis that reported data, I formally request that you mail this validated information within thirty days. Additionally include documentation which shows that RECOVERY ONE LLC complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from RECOVERY ONE LLC to the credit bureaus should be deemed discrepant and may indicate RECOVERY ONE LLC desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal 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 2018-12-27 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:
When reviewing my account in 2017, I determined that Equifax has an incorrect " suffix '' for me ( i.e., XXXX ). I filed a dispute and provided Equifax the documentation they required to demonstrate that I am not a " XXXX ''. Their email sent XX/XX/2017 indicated the dispute was resolved. The dispute was not/is not resolved and I was told that the only option was another dispute. I am not particularly interested in jumping through Equifax 's " 13 fiery rings '' again without some assurances that the result would be different this time. For all the documentation I had to assemble to demonstrate that I was not a " XXXX  '', Equifax could not tell me where the information came from that led them to believe " XXXX. '' was an appropriate suffix. 

Also, I just ( today XXXX ) tried to log into my Equifax online freeze/thaw account to perform a " thaw '' and was told I needed to do a password reset. I followed the instructions and the website indicated instructions to reset my password were sent to my e-mail account. No instructions were sent. When I called XXXX I was told by the rep that unless the account was created 3 months ago, I would need to create a new account. I just tried to do that, and when I completed the online form and submitted it, I got a server error indicating " We are temporarily unable to connect to our services ''. It seems strange that the other Equifax online ( non-freeze/thaw ) account I have where they can peddle services to me seems to always perform flawlessly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I am submitting this complaint for an account on my credit reports that I have no knowledge of. I do not recognize this account what so ever, nor am I familiar with the original debtor. I believe that may information may have been obtain, compromised and used without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase Bank is promoting bonuses for opening checking accounts online. 
I opened an account on XX/XX/2018 after being automatically forwarded from the link. 
It stated that a bonus of {$300.00} would be paid after enrolling in direct deposit. 
After completing the requirements and after two months had passed, I inquired about the bonus. 
They responded, saying I needed a coupon code to get the bonus. 
I have the pages copied if they are needed for verification. 
As of today, the process is the same.No coupon code is given when opened online. 
Any assistance with this matter is greatly appreciated. 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX Dear Bank of America, Request for Credit card Reopen XXXX I am member Bank of America since XXXX and I am enjoyed my credit card benefits and paying bills on times. Today I received letter indicated my account has been closed. ( letter attached ) My credit score XXXX and I am maintaining my credit good conditions. 
I am so disappointed your bank closed my account and please re consider to reopen my account. 


Thank you. 


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 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A closed FHA account by XXXX XXXX continues to appear as a negative account on my credit profile after I have brought this matter to the reporting bureaus ' attention. Since my initial complaints only minor discrepancies were corrected in order to avoid deletion, I assume, but the account remains inaccurate and delinquent and I would like it removed in order to avoid taking the issue to the FTC and the FHA complaint board. I have written many letters and sent out evidence and paperwork supporting the inaccuracies found within the month-to-month history, dates and amounts regarding XXXX  # XXXX and I have received no resolution. As a result of my past disputes I have been harassed by XXXX XXXX with phone calls and letters asking me to stop disputing this with the CFPB. I have asked them to stop calling ; me as it is my right to dispute. I had no issues when I brought the same evidence via certified mail to XXXX  showing the difference of information which is misleading to my lenders and to my FICO score so what is the issue with Transunion and XXXX? Please validate your investigation or otherwise delete the account immediately.

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 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A closed FHA account by XXXX XXXX continues to appear as a negative account on my credit profile after I have brought this matter to the reporting bureaus ' attention. Since my initial complaints only minor discrepancies were corrected in order to avoid deletion, I assume, but the account remains inaccurate and delinquent and I would like it removed in order to avoid taking the issue to the FTC and the FHA complaint board. I have written many letters and sent out evidence and paperwork supporting the inaccuracies found within the month-to-month history, dates and amounts regarding XXXX # XXXX and I have received no resolution. As a result of my past disputes I have been harassed by XXXX XXXX with phone calls and letters asking me to stop disputing this with the CFPB. I have asked them to stop calling ; me as it is my right to dispute. I had no issues when I brought the same evidence via certified mail to XXXX  showing the difference of information which is misleading to my lenders and to my FICO score so what is the issue with XXXX  and Equifax? Please validate your investigation or otherwise delete the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I received a 30-day late for the month of XX/XX/2018. I was not aware of any payment being due and once I contacted the merchant, they informed me that they were contacting me, which happened to be at a phone number that was not mine, in addition to, stating that I had indicated to not receive any account communication from them which is why I hadn't received any type of email or notice by mail. The information they advised is not accurate. I would have no reason to provide any phone number other than mine and since I receive most of my credit account updates by email, there is no reason why I would have opted out to receiving payment communications regarding this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27 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: OH

Complaint narrative:
XXXX XXXX XXXX who handles the Public Service Loan Forgiveness program ignored 6 years of service, because they told us we did not choose the correct loan. During those six years they never communicated that we needed to switch the loan to qualify. Instead they left us to assume that we participating in the loan forgiveness program. Payments starting in XXXX should have qualified for student loan forgiveness and instead we have been left to pay the full amount. They deceive borrowers who have limited understanding on how the forgiveness plan works due to the complicated bureaucracy of paper work, multiple websites, and requirements. We will now be making payments in till XXXX instead of XXXX, the additional 7 years of payments will significantly hurt our family 's financial security. Why are people who work in service of others being treated so poorly by their own government?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Today XXXX, Wells Fargo abruptly closed all of my accounts both Business ( 2 checking ) and Personal ( 1 checking and 2 savings ) account without proper or legal notice. I called their office after received several missed calls and they stated that they made a decision to close all of the accounts and terminate the 12 year relationship because of a specific fraud claim regarding a wire in the amount of {$340000.00} credited to my corporate business account ending in XXXX which was received on XXXX. I asked why the person who sent the wire was claiming fraud and Wells Fargo simply stated that they already made a decision to close the accounts even though I adamantly contested the claim and informed them that it was NOT Fraud and could not be since the person who wired had to have known very well where and to which account the wire was sent. I requested the contact information for the person who filed the fraud claim and they denied me. I then asked them what proof the person provided to support Fraud and they denied me information again. So the question I asked Wells Fargo was " why would you believe this person who isn't Wells Fargo customer and who obviously wired funds knowingly and willingly '' they replied by stating that they reserve the right to close any account at any time to protect their reputation regardless if the claim was true or not. I then asked why were they victimizing and penalizing me if they or the person who wired had not proven the claim. They simply refused to answer. I also stated how can anyone simply call a bank and file a claim to return money they knowingly wired simply because they feel like doing so. at best, Wells Fargo should have referred the person to file a civil claim for a court to determine any wrongdoing or entitlements. I also informed them that the money received was money owed for a unfilled order paid for in XXXX of 2018 but they once again sided with the Claimant only. Why does the Claimant have more leverage and credibility than me when he was the one who knowingly wired the funds? If he claimed not receiving goods or services as they said he did then he should have submitted the invoice or purchase order to prove it. The bottomline is that this person has wrongfully filed a claim of Fraud and Wells Fargo has caused my alot of damages.Now I have been locked out of my money and accounts and Wells Fargo can not and has not proven the Claimant to be right or legally entitled to this action. I believe Wells Fargo discriminated and denied my legal rights by wrongly closing my accounts and locking my out of the funds I have a legal right to. Please help me ASAP

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 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In XX/XX/XXXX I began my XXXX studies with the University of XXXX XXXX, CA and completed this program in XX/XX/XXXX. 

I began my XXXX  studies in XX/XX/XXXX with University of XXXX and completed my XXXX  studies in XX/XX/XXXX. 

I was also enrolled at the University of XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX  level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX degree in XXXX XXXX with the University of XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. 

During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. 

Upon careful review and further evaluation by the VA my XXXX rating was increased to 100 %, which qualified me for the Total and Permanent Disability ( TPD ) program for my student loans. 

On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX  and XXXX  XXXX. 

In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. 

Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXXU.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

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 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
In XX/XX/XXXX I began my XXXX studies with the University XXXX XXXX XXXX, CA and completed this program in XX/XX/XXXX. 

I began my XXXX  studies in XX/XX/XXXX with University XXXX XXXX and completed my XXXX  studies in XX/XX/XXXX. 

I was also enrolled at the University XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX  level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX degree in XXXX XXXX with the University XXXX XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. 

During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. 

Upon careful review and further evaluation by the VA my XXXX rating was increased to 100 %, which qualified me for the XXXX XXXX XXXX XXXX ( XXXX ) program for my student loans. 

On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX and XXXX  XXXX. 

In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. 

Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXXU.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

Company response to consumer: Closed with explanation