vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX, XXXX Dear Wells Fargo, Back in XXXX of this year I had finally filed a complaint against Wells Fargo XXXX Credit Card with Consumer Financial Protection Bureau - Case number : XXXX, due to processing violations, lack of billing consistency and poor customer service to correct problems. 

Since then, XXXX closed my card, once again increased my interest rate and applied a penalty to my card because XXXX has been sending my bills to the wrong address. The card belonging to XXXX XXXX had been sent to her address - she did not pay nor did she forward me the bill. The card for XXXX XXXX has been sent to the correct address and has been paid. 

I tried to call XXXX Credit Card department multiple times to fix these problems. If I made contact with a person, I was hung up on for pointing out their inflexibility to assist with my situation in the wake of your own fraud. My call usually got lost within their automated system ; being transferred and looped through, only to be disconnected. 

I am drowning in penalties and interest that has been tacked onto my account through XXXX XXXX purposeful manipulation of the system. This is unacceptable. My personal credit cards have had none of these issues. This is one more way Wells Fargo has falsified information and engaged in illegal business practices to meet their financial goals. There is no ethical consideration for the harm and stress you are inflicting on people and small businesses. 

I am requesting you cut my debt in half and reduce my interest rate for the current bankrate because half of the debt is from the penalties and interest rates you have compounded due to XXXX XXXX illegal manipulations. 

Disgusted Client, XXXX XXXX Cc : Oregon Department of Justice Consumer Financial Protection Bureau Federal Trade Commission XXXX - I received a credit card application from Wells Fargo, after they closed my business account. They are still trying to open accounts to meet their financial goals despite all the illegal activity theyve been caught participating in. Credit card debt is at an all time high - this is XXXX of the major factors.

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 2017-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I was charged {$10.00} by TransUnion, and {$10.00} by XXXX to freeze my credit information accounts. 

In the wake of this massive credit information breach, I feel it is completely absurd that I have to pay for XXXX XXXX massive mistakes. TransUnion and XXXX did not/will not waive their credit freeze fees as XXXX did ( after receiving massive pressure to do so ). The problem is that all of them store THE SAME information, so only freezing with XXXX  is useless. I feel that either TransUnion and XXXX should ALSO waive/refund their fees in response to this disaster, or XXXX should cover the price of freezing credit with their competitors. 

Not only am I ( and XXXX XXXX other people ) at risk for fraud and identity theft, but I have to pad the pockets of the very companies who collect, store, and sell my information without my consent in the first place.

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 2017-09-21 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: TX

Complaint narrative:
On XXXX XXXX, 2017 I was charged {$10.00} by XXXX, and {$10.00} by Experian to freeze my credit information accounts. 

In the wake of this massive credit information breach, I feel it is completely absurd that I have to pay for XXXX XXXX massive mistakes. XXXX and Experian did not/will not waive their credit freeze fees as XXXX did ( after receiving massive pressure to do so ). The problem is that all of them store THE SAME information, so only freezing with XXXX is useless. I feel that either XXXX and Experian should ALSO waive/refund their fees in response to this disaster, or XXXX should cover the price of freezing credit with their competitors. 

Not only am I ( and 143 million other people ) at risk for fraud and identity theft, but I have to pad the pockets of the very companies who collect, store, and sell my information without my consent in the first place.

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 2017-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
last thursday XX/XX/XXXX-2017 I made a deposit at the bank of america location in XXXX. I was informed that they were going to place a hold on the deposit. Well its been a week and now there saying its going to be 3 more days for a total of 9 days. This is really putting me in a bind. I am suppose to go out of town on business and I have no way to pay for my hotel because Bank of america wants to hold my depost. I have called bank of america customer service, i have went in to a location and spoke to a manager but so far they have been absoltey no help. I am incredibly frustrated with this bank. The company that wrote the check even said they could verify funds and bank of america customer service refused to let that happen. This has been one of the worst experiences I have ever had with any bank. One of their customer service reps even told me that i could go to an ATM and overdraft my account if i needed the funds.like what kind of company will do that. Bank of america deserves a very hefty fine over stuff like this.

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 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted Equifax, XXXX and XXXX via certified mail and return receipt regarding a bankruptcy showing in the public record section of my credit reports. I asked them to validate this bankruptcy and to provide proof of this. I have asked for copies of documentation associated with this account bearing my signature. They simply verified this information by utilizing their automated computerized system XXXX and due to this they just updated it. I contacted the court to see if they indeed report to the credit bureaus. They sent me a letter back stating they do not report bankruptcies to any of the 3 credit bureaus. My XXXX XXXX information is frozen and I also opted out of them selling my information to anyone. These credit bureaus are reporting false information which is a violation of the Fair Credit Reporting Act. This public record needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted XXXX, Experian and XXXX via certified mail and return receipt regarding a bankruptcy showing in the public record section of my credit reports. I asked them to validate this bankruptcy and to provide proof of this. I have asked for copies of documentation associated with this account bearing my signature. They simply verified this information by utilizing their automated computerized system XXXX and due to this they just updated it. I contacted the court to see if they indeed report to the credit bureaus. They sent me a letter back stating they do not report bankruptcies to any of the 3 credit bureaus. My XXXX XXXX information is frozen and I also opted out of them selling my information to anyone. These credit bureaus are reporting false information which is a violation of the Fair Credit Reporting Act. This public record needs to be removed 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 2017-09-21 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: CA

Complaint narrative:
I recently transferred my loans from XXXX XXXX to XXXX XXXX in hopes of eventually pursuing public service loan forgiveness. After taking nearly 3 months to complete the transfer, Fed loans have incorrectly counted the amount of qualifying payments towards PSLF that I have made ( they count only 12, while my records show 28 qualifying payments ). I call them to discussed this and spoke with employee ID XXXX who stated that she agreed that it appears that an error has been made on their part, but states that it would take a minimum of 3 MORE months to correct.
I can not understand what about counting payments takes 3 months to do. I understand that these payments must be deemed " qualified '', but this company has already had my records 3 months. Now they want another 3 months. It can not possible take HALF A YEAR to correctly count payments, can it? 

I need to make life-altering decisions over the next few months that might be affected by my faith in this program 's ability to do what they have promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: GA

Complaint narrative:
This account is reporting as an identity theft item. I never opened this account with XXXX XXXX. Please help me in getting this account removed from my credit file.

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 2017-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX my daughter was in the XXXX XXXX. I needed to visit her so i checked my online account balance and it said i had XXXX available. It also showed a debt owed to redbox. I withdrew XXXX dollars from an atm and went on about my day. So on XXXX/XXXX/XXXX i went to another atm and withdrew another XXXX dollars for weekly expenses grocery etc. On XXXX/XXXX/XXXX i withdrew another XXXX. So on XXXX/XXXX/XXXX i stop at a convenience store to get my child some things and my card was declined. I immediately check my online account to find my balance XXXX dollars. Upon looking at the transactions i saw that it stated that there had been and in branch withdrawal of XXXX dollars. I was shocked and immediately called to report fraud. During the call i got disconnected so i went to my local branch. Once in the bank they were able to provide me with documents showing that i had withdrawn the XXXX dollars from my account on XXXX/XXXX/XXXX. I then inquired about why was the information not up to date. I also asked why my overdraft protection did not protect me. I was given the all sorts of reasons as to why its my fault that i overdrafted my account. They said they the atm lets me know before i overdraft. I explained that it was not a bank atm. So they said it was at the banks discretion so i argued that it was set up so that i can not overdraft at all. I also stated that in XXXX of XXXX i had some issues and i went to a bank atm and i would not allow me to overdraft, and that reassured me that my overdraft protection worked. So i was able to get them to reverse a XXXX dollar overdraft fee. But im still in debt XXXX dollars because of them i feel ( XXXX dollar atm withdrawal x's2 plus another XXXX dollar atm withdrawal ). So i had the issue escalated i was asked how do you manage you account. I answered i checked my blance online and called on XXXX/XXXX/XXXX to assure i had those funds. I feel that Wells fargos system error and the problems caused as a direct result of that error have cost me and thats not fair especially considering i set up features to protect me from overdrafts. And when i finally spoke to whomever the issue was escalated to they blamed it on hurricane XXXX. They did not close the bank for XXXX. I mentioned the hurricane and they spent it as excuse for their mistake. I mean if that is not a slap in the face.

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 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XXXX XXXX, 2017 I discovered on my own accord that my credit had been compromised by the data breach with Equifax Credit Bureau. At this time I also had my husband check into his status and he too has had his information compromised. At no point since the initial breach, of which the exact date I am not aware, were either of us notified that our information had been at risk by Equifax. Unacceptable. 
On XXXX XXXX, 2017 the company tweeted out a FAKE web address with regard to the above stated matter. A fake website. Unacceptable. At what point does this behavior from his company become malicious negligence on the American consumer? 
My family have all worked very hard to obtain our current credit. Credit, something we MUST take part in. A company who can make a decision on our future, take our most personal of information without consent and view it how they see fit, and decide our future. Yes, we can work hard and pay every bill on time, take our credit seriously and protect ourselves with our purchase choices. But in the end, credit is something you can not " get around '' in today 's life. So how is it that one of the 3 credit bureaus could be so grossly negligent with our livelihoods? Our futures? I want to see that they receive the harshest the government can do on behalf of all of the people who have been affected by this data breach. I want the standards of our information to be kept at the highest level of security. I want to see them not only pay the consumers back the whopping {$1.00} or two we might see in a class action suit, but I would also like the government to investigate and fine all individuals and companies involved in this disgusting act. 
They are sitting by while millions of peoples lives could potentially be ruined by the Nations leading non-violent crime - Identity Theft. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In XX/XX/XXXX of 2013 my husband and I filed a chapter XXXX Bankruptcy. We later withdrew our petition and the case was closed. No creditors were harmed based upon our filing and subsequent withdrawal. Since that date the three credit bureaus have had a bankruptcy showing on both of our credit reports. The balance is correct at XXXX dollars but the Bankruptcy should not be showing at all. My husband and I have both disputed this information many times with no luck having it removed for me and only trans union removed it for my husband. 
This information is a public record that can not be validated or verified by anyone in the court and therefore should not be on the credit reports. It was also withdrawn so I do not believe We should face the same consequences as a person or people who have filed and gone to discharge on their bankruptcy. This invalid information is causing us harm and making it impossible for us to move forward with our financial future. We have been denied credit repeatedly because of this bankruptcy. I believe this also should have been removed in XX/XX/XXXX when all credit bureaus agreed to remove public records. 
Can you please investigate this and help me get this removed from our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I 'm being billed by Experian Credit Bureau a product called Credit reporting or something to that effect for XXXX for the past three months. I signed up with them for a XXXX trial offer then after a period time if I did n't cancelled they would bill me XXXX. Here 's the problem, I can never get through to them to cancel. What I thought would be an easy process to cancel was to go on the internet and cancel on their website like I signed up but they have no way to do that, they instead make you call which I have over and over and over on the number they give to cancel. The number they give is XXXX and today was the last straw. I waited on the phone for over and hour and fifteen minutes and finally hung up. Who has that much time to waste. They are making it impossible to cancel which I 'm hoping is n't their strategy but it sure seems that way. They have been billing my credit card with the number ending in XXXX and I would like these all of these charges refunded with the exception of the dollar I agreed to. That 's a total of XXXX they billed me and I want it back. I 'm on XXXX XXXX XXXX and I ca n't afford these unauthorized charges.

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 2017-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect is attempting to collect {$1100.00} for a " supposed '' debt from XXXX XXXX XXXX. My husband, XXXX XXXX, and I were both on the lease and on XXXX/XXXX/XXXX we were given a standard travel order to XXXX. We notified the apartment the apartment complex and were told everything was in order when we did the walk through. 

I was not aware this was an issue until we had our credit pulled in order to purchase a home and come to find out this is on our report. I sent the transfer duty to the credit bureaus and to Pro-Collect on XXXX/XXXX/XXXX. They never responded to my dispute so on XXXX/XXXX/XXXX I called them and was advised I could only communicate via email to XXXXXXXXXXXX by a XXXX XXXX and a XXXX XXXX. 

I contacted XXXX and XXXX advised me they received my documentation however I never received a response from them. They stated they responded on or around XXXX XXXX, XXXX and the evidence I submitted was not " suffecient. ''

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 2017-09-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: DC

Complaint narrative:
On XX/XX/XXXX a claim was submitted to the Underwriter : XXXX XXXX XXXX that handles XXXX XXXX for apartment communities. The coverage was XXXX but I was responsible upon move in for a non- refundable premium of {$170.00}. I was scheduled to be evicted in XXXX of XXXX. The rental office XXXX XXXX, who is managed by XXXX and XXXX, gave me a call the next month XXXX XXXX XXXX to ask why did I move and that eviction was canceled. Her name was Ms XXXX. My monthly rent was XXXX monthly. The unpaid rent charges that were submitted by XXXX and XXXX were {$3.00}, XXXX and damages of XXXX. = to {$4700.00} and the the XXXX should have covered {$1000.00} leaving me with a balance of XXXX to owe to the community. Hunter Warfield which is the collection agency is charging interest, totaling {$460.00} as of XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and also XX/XX/XXXX of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and also XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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