vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX my Wells Fargo account says my due date for a personal loan is XX/XX/XXXX and the amount owed is {$270.00} So XX/XX/XXXX you make a payment for {$350.00} ( 59 days before due ). After processing the due date remains XX/XX/XXXX and the amount owed is {$270.00}. 

So I email Wells Fargo and on XX/XX/XXXX they respond. Our loans are only able to be paid ahead more than 60 days. Mine was done 59 days which is under the 60 days mentioned. 

So I wait a few days and on XX/XX/XXXX I make a {$300.00} payment. After processing the due date remains XX/XX/XXXX and the amount owed is {$270.00}. 

I emailed Wells Fargo again and on XX/XX/XXXXthey respond Your personal line and loan can only be paid ahead 60 days. If it is more than 60 days, your payments will be applied to principle only payments. 

Yet XX/XX/XXXXwas 45 days from my due date well within the 60 timeframe. 

So I go to Wells Fargo in XXXX XXXX Mn on XX/XX/XXXX to talk to a banker. The Banker does some research and calls a Wells Fargo Office somewhere. He tells me there was some kind of glitch on their end and isnt sure why things were not changing. 

The good news he tells me is that an automatic transfer from my bank account to the loan in the amount of {$270.00} is still set to go for that day. 

In other words Wells Fargo forced me to pay {$920.00} for a payment of {$270.00}. 

The glitch was Wells Fargos problem not mine. Was given a due date and a payment amount and twice I paid within those guidelines and Wells Fargo refused to honor it.

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 2018-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I'm in the middle of a divorce and I checked XXXX XXXX in XX/XX/XXXX. I found that my wife had opened up a Best Buy/CBNA card in my name in XX/XX/XXXX ( XX/XX/XXXX to be exact ). So I just found out about this fraudulent card a few months ago. I contacted Best Buy/Citi and told them that I didn't know this card existed, and that I never opened the account. The fraud team told me that they would do nothing, that I was responsible for the {$4100.00} balance, and that it would remain on my credit file and credit report. I explained that the card was opened in my name and that I didn't know about it for 8 years. Best Buy/Citi still would do nothing about it and held me responsible. On my divorce lawyer 's advice, I requested the statements from XX/XX/XXXX to XX/XX/XXXX, which they sent me. I was also advised by my attorney that since my wife admitted to the fraud in my name, that I should still pay the minimum monthly balance, which I have been since XX/XX/XXXX. Even if my wife has to pay for the balance when our divorce is final ( and this is only my hope and my lawyer 's hope ), this Best Buy/Citi card has been on my credit file for 8 years without my knowledge, and as a result has affected my credit score and financial health for 8 years without my knowledge. I'm surprised that Best Buy/Citi allowed my wife to open the card in the first place - that their business practices are so fraud-prone and unethical ; and I'm even more surprised that after I informed them 8 years later, they will do nothing to correct their mistake, and I continue to pay for a card I did not even open, nor know about.

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 2018-06-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
SunTrust bank is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. SunTrust Bank claim that I own them money. I really believe that SunTrust Bank being discriminated against me because I'm a XXXX male. SunTrust Bank claim that original creditor was the XXXX XXXX XXXX XXXX as XXXX for XXXX. SunTrust Bank did not give me address for XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX. What is the address for XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX. I XXXX XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX and do not exist. Have you contact XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX to validate that it my account since I am a victim of identity theft? You have an affidavit from XXXX XXXX. This affidavit is hearsay because XXXX XXXX is not original creditor. If we go to court, I will reject this affidavit because it hearsay and not allow as evidence in court. You claim I owe {$28000.00}. I want to know how you calatue this amount. I am requesting history for XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX, XXXX XXXX, SunTrust Bank, and 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 2018-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a fixed rate of 6 % on my citi credit card. Several years ago, they changed some terms ( raising the rate ) and the offer stated that if I rejected the new terms, they would close my account, but the rate would remain at 6 % until I paid off the card. The rate has steadily been creeping up and now it is at 7.49 %. When I contact them about it, they tell me I have to open the account again, to even negotiate a rate with them! They are not upholding the original deal, which I had no choice but to accept, by the way. I pay on time and have an excellent credit score.I want my 6 % rate back, as I was promised. 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 explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Business Factors
State: CA

Complaint narrative:
I checked my credit score and there are listings with companies claiming that I owe money for debts I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: NC

Complaint narrative:
I have tried numerous times to get Experian to update my payment history with XXXX XXXX XXXX   XXXX. No one has been able to help me. Can you please update my account as this is affecting my credit in purchasing a new home for my kids. 

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 explanation
Consumer complaint received 2018-06-03 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: NJ

Complaint narrative:
On XX/XX/XXXX, I sent a letter via Certified Mail, Return Receipt to Experian regarding three issues with my credit report : an entry from " XXXX/XXXX XXXX XXXX  '' ; an entry from " XXXX XXXX XXXX '' and an inquiry from " XXXX '' ( see attached letter and return receipt ). 

While the XXXX XXXX issue was resolved, the XXXX and XXXX issues were not : ( 1 ) The XXXX account is not mine. The collection account previously associated with this account, from XXXX XXXX XXXX, has already been deleted due to their inability to verify the account. 

( 2 ) The XXXX XXXX inquiry was not authorized. My XX/XX/XXXX letter requested proof that this inquiry was lawfully made, such as " a description of the records reviewed. '' Instead, I received a notice dated XX/XX/XXXX indicating that Experian had verified that both items belong to me, with no accompanying proof.

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 2018-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XX/XX/XXXX I was alerted that a collection account was added to my credit report from Midland XXXX XXXX for a ( charge off ) credit card debt -- original creditor being XXXX XXXX. My credit score took a major hit as a result. 

The alleged amount owed is {$570.00}, of which I have no knowledge of. 

Midland somehow has gotten my wife 's cell phone number and they make numerous calls a day harassing her for this debt that I allegedly owe. 

We have both blocked at least 5-6 numbers from Midland to prevent the calls from going further, however they still ensue. 

I sent a dispute letter around XX/XX/XXXX asking Midland to verify this debt. I never received any validation or proof of ownership of this debt and the collection account still remains on my report as a " derogatory '' mark.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-03 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: NJ

Complaint narrative:
On XX/XX/XXXX I sent a letter to Experian via Certified Mail Return Receipt ( # XXXX ) regarding an entry from XXXX XXXX XXXX/XXXX  XXXX XXXX on my credit report ( see attached, including return receipt ). 

This was my second dispute regarding this inaccurate entry. 

My letter indicated that on XX/XX/XXXX, I wrote to XXXX XXXX via Certified Mail Return Receipt ( # XXXX ) asking for validation of this entry under FCRA Section 623. XXXX signed for this letter on XX/XX/XXXX but did not reply ( see attached ). 

I enclosed a copy of my letter to XXXX, along with a copy of the return receipt for same. 

On or about XX/XX/XXXX, I received a notice from Experian dated XX/XX/XXXX that indicated they had " previously processed this dispute '' and will not reinvestigate ( see attached ). 

They asked for " additional relevant information, '' which I had already enclosed with my previous dispute, and explained that they had not considered my dispute of XX/XX/XXXX at all. 

This is a violation of the Fair Credit Reporting Act.

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 2018-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
Choice recovery is attempting to collect an alleged medical debt in the amount of {$190.00} from XX/XX/2012 which is beyond the statute of limitations for debt collections in the state of Ohio which is 6 years. It is now past that. I demand that this item be immediately removed from all 3 credit bureaus on my credit report as it is negatively affecting my credit. You have 15 days to respond with removal or I will proceed with legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I tried to open a checking account at Wells Fargo Bank, and was told that I couldn't and would receive a letter saying why I received the letter and it says that they obtained a consumer reports from a company. A " soft copy '' they call it. The company is called XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, 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 2018-06-03 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Before and during my marriage, I was added to my wife 's CHASE credit card as an authorized user. She has had the account in her name since XX/XX/XXXX while I was added on sometime between XX/XX/XXXX-XX/XX/XXXX. Since XX/XX/XXXX we have been divorced with no contact. I am unable to remove her delinquent accounts from my credit reports and am unable to find resolution through CHASE credit card company due to the fact I have no other information than our names.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-03 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: 3rd Generation, Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX i contacted XXXX XXXX XXXX because i noticed wrong information reported on my credit report about a auto loan of XXXX was paid in full and the company deleted the account instead of report the correct information its not right that i remain paying of the car and not having any car loan on my credit report in with it was paid off in full in XX/XX/XXXX the company changed their name to XXXX XXXX XXXX with when i started the loan the company name was XXXX XXXX XXXX XXXX i contacted the credit bureaus with the problem then i contacted the company still no help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I spoke with an account rep who was not a manager on XX/XX/18 at XXXX. I explained to him that I felt that I wasn't being treated properly because my credit line was reduced coincidentally on the same day that I filed a dispute on one of the charges on my account. I have filed two disputes over the last year with this company and both times they automatically declined my dispute without further investigation. I find it appalling the way they treat people, especially customers who have an excellent payment history with them. My credit line was reduced from $ XXXX to $ XXXX. When I asked the rep to review my account and give me my credit line back he proceeded to ask me a ton of questions and then stated that he would not be able to give me my credit line back. I then asked to speak with a supervisor and spoke with XXXX, agent ID # XXXX  who proceeded to tell me there was nothing he could do to help me at this time. I was also sent a letter stating that my line was reduced because my credit score dropped to XXXX. Once I confronted them about the letter they than tried to cover their tracks by saying that it was because I had incurred more debt since I obtained their BUSINESS credit card. Are they kidding me? My debt fluctuates do to my growing business. At times I carry debt and at other times I carry no debt. If their excuse was valid than other credit card companies would have done the same. It is a bogus excuse and will not be tolerated or ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
I filed bankruptcy and this vehicle was included but the company is still showing the account open on credit report but no balance owed but I got a letter that show I still owe XXXX the account is closed also on my credit report so it should not still be showing open also the company did get the car back as I surrendered it back to the prestige financial

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a transaction posted to my account on XX/XX/XXXX for {$11.00} and a second posted for {$22.00}. I was charged and overdraft fee for both transactions although there was enough funds for the first transaction. When I called Chased the rep stated, that because it was pending they posted the second transaction first. They refused to reverse the overdraft fee. 
I made another another transaction on XX/XX/XXXX for {$20.00} and {$21.00}. At XXXX on XX/XX/XXXX I made a deposit so I wouldn't be overdraft the next day ; but I woke up to notifications from Chase for two overdraft fees. I called them, and I was told that I had until XXXX to make the deposit. What's the point of this overdraft fee if you can't go until XXXX? It was never like this before. I have used their overdraft numerous times and I was not charged an overdraft fee. Now my account is still overdrawn

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: WI

Complaint narrative:
In XX/XX/2018, XXXX XXXX was removed from my credit bureau. I contacted the company to notify them that this should not be on my credit report. I told corporate that I signed a release form which removed me from the apartments lease. They didnt have any of my information on file. Now they are reporting AGAIN on my credit report. This is not my debt. I signed to be released from the lease.

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 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC.
State: WI

Complaint narrative:
On XX/XX/2016 I paid XXXX XXXX XXXX  the full balance that XXXX XXXX was having them collect. XXXX XXXX XXXX removes themselves from my credit report but XXXX XXXX is still reporting. Ive had this account on my credit report for almost 8 years now. I contacted corporate office of XXXX XXXX and they told me that since I didnt pay them directly, they were keeping the debt showing on my credit report. Its not even reporting as paid. Its repirting as a charge off which is correct/incorrect because I paid it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
Continued harassing calls day and evening

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Professional Recovery Management
State: TN

Complaint narrative:
The account was open in XX/XX/XXXX it was closed XX/XX/XXXX. I never received any notice of it still being opened and or that I owed money. I check my report weekly. And it just hit my report about a month ago and it states that it hit XX/XX/XXXX. I have tried to call and figure this out but they say they're only legally obligated to report it so many days after they receive it in collections. I've kept a close eye on my credit because I'm currently trying to get back on my feet due to unexpected events this last year now. Please help me. It's not that I even mind paying the debt if it's accurate. I wouldn't have minded if I ever received notice. But it's been over a year! How can they do this to me now?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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 — Investigation took more than 30 days
Company: Seterus, Inc.
State: FL

Complaint narrative:
During the XXXX XXXX my tenants left without notice, I called the bank and I asked for a repayment plant for the month of XX/XX/XXXX, I was not late when I called. The suppose to give a repayment plan without affecting my credit but they lied not only that they charged me for a fee that I didnt agreed upon. I called several times XXXX I kept receiving these late fees letters and everytime I called I was told the repayment plan will take care of it that I wasnt being charged form them. I made my last payment in XX/XX/XXXX. My credit score went down 31 points thats when I found out they reported late payments. Im very disappointed, I complaint and they suppose to start an investigation but apparently that was never done. They are cheaters and liers they dont have a good customer service most of them dont know even simple math. They need to be investigated they dont even seem a serious bank. My loan was sold to them by my bank and at this point I cant even refinance with other bank because of the bad report. I havent been late with a mortgage payment in many years I believe they did this in porpoise because I threaten them with leaving the bank. 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 explanation