vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 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:
I asked XXXX to remove the reporting of my 10 year old bankruptcy due to the length of time they have been reporting it - 10 years! 
Instead, they reinvestigated the accuracy of the bankruptcy which I am NOT disputing! 
I asked that they remove it because this reporting stays on your report for 7 years or more AT THE DISCRETION OF THE REPORTING AGENCY! The information is accurate. I am not disputing that. I am asking them to remove it based on length of time that has passed! They are allowed to remove this and are either ignoring me or choosing not to remove it by their own choice as it is in their purview to remove it any time between 7 and 10 years. Upon my request, they should remove it as it is 10 years ago! If they are choosing not to, they are being discriminatory and leaving it on because they dont feel like removing it! 10 years! XX/XX/2010! Please remove this OUTDATED report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VW Credit
State: FL

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX was repossessed. When I contacted VW Credit they advised me that because I was paying a partial payment versus the full payment placed my car in repossess status. I have paid this company {$200.00} every 2 weeks since XX/XX/XXXX when I purchased as a new vehicle. This company has harassed me so bad I had to find a lawyer to assist me with this case. I just want this off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2019, I made a cash deposit, in the amount of {$5000.00}, inside the Chase Bank located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX with the only bank teller that was on duty at the time. I deposited the {$5000.00} cash into my checking account. I live in Florida but was in Texas on vacation. When I returned home to Florida, I realized the {$5000.00} deposit did not reflect in my checking account. I immediately contacted Chase Bank and they were not able to find any record of my deposit! They did their own internal investigation which uncovered nothing. I filed a police report with the local police department in Texas ( XXXX County Sheriff ). The police investigation came to an impasse when they subpoenaed the surveillance video from Chase Bank and Chase Bank said they did not have any video to produce. Now, the investigation is going to be closed because they could not get the video or any other evidence from Chase. I am so frustrated because my cash deposit was lost and there is no record of it. This has been so hard on me and my family. Any help with this would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX. I am a long time banking customer with Wells Fargo. In XX/XX/XXXX my checking was compromised. I was unaware of the events and was notified but the bank via email and text message. Wells Fargo sent me a temporary debit card, deactivated my original debit card and resent me a new permanent debit card a few weeks later. In the meantime, I was advised to contact their fraud department and file a complaint. In early XX/XX/XXXX, I received a letter from Wells Fargo Investigation Department, indicating they made a decision and allowed the charges to go thru because it was determined that I either authorized the charges or I knew the persons involved. These erroneous charges were made in XXXX and when I researched the bogus company, it is apparent the company is a fraudulent entity. When the charges were made, I was in XXXX XXXX, CA for the holidays. I appealed immediately after their decision form the XXXX dollars charges and reopened the case in XX/XX/XXXX. Wells Fargo admitted the charges were fraudulent in nature, hence the reason for them shutting down my account. Nevertheless, they turned around, authorized the charges, and now they are insisting it was my fault and win my permissions. They are giving me the run around, still insisting the charges were authorized by myself, the account owner. I am attaching two letters I received this month, now stating they are doing further review. It is simply a stall tactic to avoid refunding me my money. 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 2020-02-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION
State: NY

Complaint narrative:
On or about XX/XX/XXXX, I received 3 letters dated XX/XX/XXXX from Sallie Mae. These 3 letters were Notices of Right to Cure Loan Delinquency. I was surprised to receive these 3 letters because I do not owe this debt to Sallie Mae nor did I guaranty any loan to Sallie Mae. The amount of the debt represented in these 3 letters is {$60000.00}. 

On XX/XX/XXXX, I promptly responded to these 3 letters by calling the phone number ( XXXX ) provided in the 3 letters. I disputed the debt and stated that I did not borrow the money nor did I guaranty this debt. I requested an explanation of why I received these 3 letters and subsequently requested verification of this debt. Sallie Mae has not verified that I guaranteed this debt and Sallie Mae continues to collect this debt from me. 

Between XX/XX/XXXX and XX/XX/XXXX, I and my husband had a total of 19 phone calls with representatives of Sallie Mae. My husband and I continued to dispute the debt as not my debt. However, Sallie Mae continues to harass me with collection efforts and maliciously posted derogatory comments on my 3 credit reports ( XXXX, XXXX and XXXX ). 

On or about XX/XX/XXXX, I received a 4th letter dated XX/XX/XXXX. This letter was a Notice of Right to Cure Loan Delinquency in the amount of {$12000.00}. The 4 loans total {$72000.00}. 

On XX/XX/XXXX, my husband received a phone call from a Sallie Mae collector attempting to collect {$12000.00}. Again, my husband explained that this debt was not owed by me. 

Because of the false and derogatory comments posted by Sallie Mae on my XXXX  credit report, my credit score was significantly lowered and I was denied credit by a credit provider on XX/XX/XXXX. Sallie Mae caused me to suffer financial harm. 

Though I deny and dispute that I owe the 4 loans, and Sallie Mae has yet to verify that I owe this debt, Sallie Mae continues to assert that I owe the debt and refuses to remedy the malicious and erroneous postings on my credit reports. Therefore, I am continuously suffering financial harm. 

I will upload letters exchanged between me and Sallie Mae. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I open a checking account of this M & T Bank at XXXX XXXX XXXX of XXXX but now it been closed. So, i visit other branch in Downtown in XXXX XXXX. Aside from checking, i open a savings account and they also give me a credit card too. Because, i have no time to go to other bank near to me i decided to open a CD year XXXX. When i open my account on this bank they tell you a good product and services they offered like you are Protected for OVERDraft fees if you open other account servjces you have. As we all know we have no time to read the detail terms and condition you signed. IN SHORT the people in the bank will NOT give you the Pros and Cons if your savings become lower to the minimum balance or if you used your checking account without funds evendo you have money in your other account like savings and a credit line they offered to us to save my overdraft, now the {$12.00} overdradft fee became a transaction fee this is what the Agent told me name XXXX I call today XX/XX/XXXX at XXXX XXXX to dispute this {$12.00}. 
I issued a check the amount of {$98.00} XX/XX/XXXX but my remaining funds that time is around {$53.00} plus then the M & T bank automatic they charge on my M & Tbank that connected to my all accounts ( checking, savings ) i check my accounts last night and i found out the transfer of the personnel bank to my account using the credit card to cover my short of {$43.00} plus ( XX/XX/XXXX ) transaction and additional {$12.00} ( XX/XX/XXXX ) therefore they charge me the total of {$56.00} plus. Therefore, when i online and find out the charges i immediately pay on this amount and hoping on next day i call the bank to ask for the refund or waive my {$12.00} overdraft fee which is am disappointed that they can not refund this charge! This is the 2nd time they charge me for overdraft and never get the refund because they say i have no savings account at the time year XXXX and the credit card covered my short funds. Although, they said am protected by the overdraft fee if ihave a credit account from their bank. And, now they give me other reason the overdraft fee that they charge because i make a online transactions which is a fee!!!! This bank have many victims because of they terms and condition that not reveal to the consumer. This institution used our money and at the same time LEGALLY FRAUD the consumer of their small print and deceitful Terms and Condition and POLICY of the Corporate scammer bank institution. Am, sorry if i say this, am so upset this charge {$12.00} is already big money, especially i earn $ XXXX hour only just rely on the tip of the customer that i work for. 
Hopefully, you give your time and attention to my complaint and hoping they give as consideration being a long time customer. 
Thank you.

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 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I had submitted a letter 4 months ago and again in the past month. Which has been ignored twice by Experian. Twice. There are 4 errors in my credit profile Experian is reporting incorrectly. Experian has refused to properly investigate and, provide proof of these said debts, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX and XXXX XXXX Experian have not provided any information to me about any of these 4 incorrectly reported and unverified accounts. And according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts I have submitted to them twice. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed in my letter. They have refused to comply. Attached will be a copy of my original letter I wrote. The copy is before I signed and sealed the letter in the envelope in front of a impartial witness who is a Notary Republic in XXXX County in the state of North Carolina. The signed and notarized copy with a copy of my drivers license, Social Security card and all updated address were sealed and mailed certified and confirmation it was recieved by Experian. This company needs to be held accountable for the negligence of there employees and company practices.

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 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Lender-placed insurance is fraudulent. NewRez LLC sent notice via regular mail dated XX/XX/XXXX ( received on XX/XX/XXXX ) that it would be forcing lender-placed flood insurance on our co-op since we did not have flood insurance. This Notice staed there was a prior communication " last month, '' which was never received. Since I do not own any real property ( this is a cooperative apartment, wherein we own shares of stock in the corporation that owns the building ), we are not required to carry flood insurance as that is covered under the corporation 's policy. HISTORY : Insurance information was supplied previously in XXXX. We received a confirmation dated XX/XX/XXXX that our insurance documentation was complete. We then received the above notice on XX/XX/XXXX ( a non-business day ). I contacted counsel for the building 's managing agent on XX/XX/XXXX and XX/XX/XXXX to obtain the insurance certificate, which was provided to NewRez the same day via online upload and via hard copy from the managing agent ( XXXX XXXX XXXX XXXX ). On XX/XX/XXXX we received a notice dated XX/XX/XXXX stating that a lender-placed policy had been purchased, effect XX/XX/XXXX. This is outrageous. This is clearly an insurance scam. I have all the back. 

Please also note we never applied for a mortgage with this company. Our small mortgage was originally with XXXX, who sold it to XXXX, which went bankrupt and I was forced into dealing with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northeast Recovery Solutions, LLC
State: MI

Complaint narrative:
On Friday, XX/XX/2020, someone named XXXX from this company contacted a relative of mine wanting them to send documentation about myself. Never heard of this company and had to do a XXXX search.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
NEW Rez, LLC took over the mortgage from XXXX XXXX on XX/XX/XXXX of XXXX. During this time I've left multiple messages and attempted to contact the comany multple times. I was never able to connect with an actual associate until the week of XX/XX/XXXX. During this week I contacted three separate associates and was told each time that a " complaint '' was submitted and that an associate would be in contact with me for a resolution. This never occurred. On XX/XX/XXXX I was on hold for nearly an hour and bounced between multiple associates but never to the correct department. During this time, for each new associate, I was asked the exact same questions and then transferred. Each associate said that a complaint was filed, however, upon transfer found that nothing was included. This company had an email address on file that I have not used since I was XXXX years old ( I'm now XXXX ) and acted like it was given to them by me ( it wasn't ). 

The only thing that I need is to be able to log in and view my account details. I have the previous company telling me that I owe XXXX and New Rez saying I owe XXXX. I want to log in to the account and determine which informaiton is accurate. I also need to view my tax informaiton as NEITHER company sent this information to me and it's preventing me from filing for XXXX. Lastly, I need to verify that the escrow information is current and look over the taxes assessed for the upcoming year as the area was increased by 10 %. Without being able to view this information I'm not able to determine the new monthly rate that the mortgage with escrow would be. 

This company is exceedingly difficult to work with and unprofessional to see the very least. It's not a huge request for the information provided to be accurate and funcitonal. Before assuming this volume of work they should have been prepared to actually service these loans well and have their website information accurate, functional and accessible. 

Also - the phone number listed at the top of their webpage? That's a XXXX conference line. Apparently they need IT folks or to hire a company that knows what they are doing in web design and functionality!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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:
THE ACCOUNT LISTED TRANSACTION WAS NOT DONE BY MYSELF. 

PLEASE DELETE 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 non-monetary relief
Consumer complaint received 2020-02-28 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:
THE ACCOUNT LISTED TRANSACTION WAS NOT DONE BY MYSELF. 

PLEASE DELETE 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 2020-02-28 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:
THE ACCOUNT LISTED TRANSACTION WAS NOT DONE BY MYSELF. 

PLEASE DELETE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/XXXX, I purchased a sofa from Macys.com using a newly opened Macy 's store credit card, totaling {$2100.00} inclusive of tax and shipping. The website had advertised that furniture purchases had available promotional financing, including 0 % APR for 18 months, if you used a Macy 's credit card. I opened the card explicitly and solely for the purpose of taking advantage of this promotional APR. I called Macy 's customer service to place the order, and the phone rep worked with the credit department to open my card and apply the promotional financing. A few days later, I called Macy 's customer service to inform them that I had ordered the wrong version and wanted to cancel and order the correct version. They did this, and the charges were the same ; however, when I checked my Macy 's credit card statement a few months later, I found that the promotional APR had not been applied and that I was being charged the full interest amount from day one ( 27.49 % ). 

When I discovered that I had been charged the full APR, I contacted Macy 's customer service via secure messaging on their website on XX/XX/XXXX informing them of this situation. The customer service rep indicated that I was only eligible for the 12-month 0 % APR promotion. " Upon review, it shows that the 18-month interest free promotional offer had a minimum purchase amount of {$3500.00}. In this case, the said purchase can only be eligible for the 12-month Special Event. We can request a transfer to the promotional account. You may reply to this email or call the number provided below to confirm if you would like us to submit this request. '' I replied to their message on XX/XX/XXXX ( I admittedly did not realize I needed to confirm my intentions to get the promotional rate as I believed they would proceed after my initial contact ) saying that I wished to proceed, and on XX/XX/XXXX they indicated they would submit the request. On XX/XX/XXXX I received a letter from Macy 's requesting that I call their customer service number as they need more information to fulfill my request. I called that same day and spoke to a customer service rep who indicated that my purchase was NOT allowed to be transferred into the promotional APR. He did not provide any explanation as to why not.

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 2020-02-28 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:
The account listed below was not done by myself. please delete it 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 non-monetary relief
Consumer complaint received 2020-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I do monthly transfers from usaa and made a copy of this. I transfer from an external account and the funds are made available immediately. On XX/XX/2020 employees from the bank began XXXX  around and holding the funds that would transfer immediately for up to 6 days on purpose intentionally trying to make me homeless so I could not pay my hotel bills. One of them called me out of my name as well and this let me know it was done on purpose. I want my money that they have on hold send to my account asap. They are playing with my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation