vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express has been fraudulently charging a different charge to my account every other month. Each of these charges are from a different one of their ( American Express ' ) subsidiary companies. See attached. While they are eventually reversing the charge when I complain, I suspect that they are doing this as people may not notice the occasional charge and ask for it to be reversed. The reason that I notice it, is because I do n't use my card, and these are the only charges that are on the account. I want to cancel my card, but I cant as I am constantly having to reverse the latest charge. There is nobody else other than American Express themselves who are doing this, as fraudulent individuals would not be generating different subscriptions to magazines or services owned by American Express every other month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: PA

Complaint narrative:
This is the second complaint that I have filed against American Education Services, previous file number is XXXX AES responded to my complaint after they had reviewed my files. In the reponse they stated that a letter was uploaded with the details and there is no letter on file and or I have not received any correspondence via mail. AES had also stated that I had contacted them in XX/XX/XXXX to request a forebearance, which I did not because I was not made aware that XXXX XXXX was now servicing my loan as I thought it was being serviced by XXXX XXXX XXXX, the company that I thought I had consolidated with. I was not made aware of the " fraudulent '' activity until XXXX XXXX XXXX. Per AES 's instructions, I have attempted numerous to access my acccount online with my social security number and I get error messages and or there is n't an account. AES also stated that they supplied the account number in the response to the first complaint, which they did not. AES also stated that my loan was consolidated in 2014 with XXXX XXXX, my credit report states that it was transfered. That was when I consolidated with the XXXX XXXX XXXX XXXX and I was not notified by either AES for XXXX XXXX that my loans were transferred. I am currently working with the Attorney General 's Office in trying to sort all of this out, as the consumer federal portection bureau was not able to contact me in regards to the fraudulent activity by XXXX. It would be helpful if there is a contact person at XXXX XXXX that I could speak to in an attempt to get access to my account. I have attached the documents in reference to XXXX and the suit that was filed by CFPB. I am requesting a good will adjustment to my credit files as I am trying to rebuild.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: UT

Complaint narrative:
From XX/XX/XXXX, I took out student loans. In XX/XX/XXXX I consolidated my loans for a balance of around {$47000.00}. I 've claimed forbearance once in this time period. As of today, I still owe over {$34000.00}. According to AES, I 've paid {$75000.00} in principal and {$34000.00} in interest for a total of {$110000.00}. I 've attached screen shots and downloaded loan details as part of this complaint. How can I have paid over {$75000.00} in principal for a loan that was originally around {$47000.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, attempted to reach out to company that was reporting a closed account debt. Company has called my place of employment and personal phone. I sent certified letter asking company to validate debt, but only received copies of credit card statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This all started about XXXX 2017 ... .I reported my incident to the NJ Banking and Insurance Commission , who refered it to Offiice of the Comptroller of Currency who in turn referrred me to your agency .... 

Yup ... .I have been getting the run around. 

However this is what occurred .... 
I contacted XXXX XXXX XXXX XXXX and spoke with their card representatives on 2 occasions and advised them that that I was trying to increase my credit standing with XXXX XXXX who was represeenting XXXX XXXX on a promotional credit card purchase with XXXX XXXX in XXXX XXXX NJ. 
At the same time I also advised the representative that we were going to decrease my balance at XXXX XXXX ... so that it would not illustrate a high balance on XXXX XXXX card which is also with XXXX XXXX XXXX XXXX. 

On both occasions I was advised by XXXX XXXX representatives that if I decreased or closed XXXX XXXX account which I did not need any more and wanted to increase XXXX, if would be possible. I called on XX/XX/2017 to establish the new credit rating for XXXX-XXXX  XXXX XXXX as I only needed {$700.00} more added to my existing {$3500.00} to make the carpet purchase ; speaking with the representative, I was denied ... I dont understand if two representative tell me that it can be done and then I implemented what they told me to do, then why was I denied ... 

I closed out {$2000.00} of credit on XXXX XXXX synchrony accont and wanted to increase XXXX by {$700.00} and was denied with the same banking institution XXXX XXXX?. I provided my salary of {$180000.00} also. Please help as this is NOT fair ... You can ; t tell the consumer one thing and then turn around and hurt them when you comply with their instructions ... 
It 's very simple I want or need or was advised that I could increase my credit on the XXXX-XXXX credit card at XXXX XXXX by {$700.00} if I closed or dropped the {$2000.00} credit line at XXXX  XXXX ... 
It all makes sense but the Bank DENIED it after the representaievs at the bank advised it could be done? DAH

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 2018-01-20 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:
Currently a discharged bankruptcy is being reported by Experian and XXXX after several disputes have been made due to improper validation of this public record. The court that filed the chapter XXXX bankruptcy stated they do not validate any public records filed ; which leads to improper reporting. The chapter XXXX was discharged and filed in XXXX  2011.

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 2018-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX credit card was attempted to be paid in full ( {$44.00} ). Check # XXXX was sent on XX/XX/XXXX ( due on XX/XX/XXXX ). Payment was not entered until XXXX at that time we were charged a late fee on {$17.00}. We called on XX/XX/XXXX to dispute the fee. Cardholder informed employee that he will either take care of the entire fee or we will cancel the card. Employee informed that he took care of the fee. 
On XX/XX/XXXX, spouse of cardholder, attempted to make a purchase and was told that the account was closed. Consequently, we received yet another late payment. We called an were told there is nothing that we could do because the account was closed. 
We were told all calls are recorded. We requested that they review the call as the situation was not handled properly. 
As a result, the account was closed without our consent and we were told there is nothing that they can do about the additional charges because the account was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
They have tried to report to the credit bureau several times, damaging my credit when that account is not legitimate to collect. 

This is hurting my credit and score I am trying to raise my score for the purchase of a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-20 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: GA

Complaint narrative:
Currently a discharged bankruptcy is being reported by XXXX and Transunion after several disputes have been made due to improper validation of this public record. The court that filed the chapter XXXX bankruptcy stated they do not validate any public records filed ; which leads to improper reporting. The chapter XXXX was discharged and filed in XXXX 2011.

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 2018-01-20 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
We had a second mortgage with XXXX XXXX XXXX XXXX XXXX. This account went into foreclosure. XXXX XXXX XXXX XXXX XXXX was the property. The foreclosure was X/2012. 

We started the process of purchasing a home and noticed that they were reporting a balance on the account. We called them and they were very nice and said that they would change the reporting. They did not, when we went to close on our house they would not change it on the credit report but did allow for the change directly to the mortgage company we were purchasing from. We would like the account shown as closed and XXXX balance on our report, just as they reported to our mortgage company. 

XXXX and XXXX XXXX XXXX XXXX current address XXXX XXXX XXXX XXXX XXXX XXXX phone 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 2018-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
on XX/XX/XXXX i got a secured credit card from bank of america. I was required to put down a {$500.00} deposit to open the account. About 3 or 4 months ago I applied for graduation to unsecured credit and a return of my deposit. The banker told me that not only were they not required by law to give me my money back, but also I would only get {$250.00} back and not the original {$500.00}. I was declined for the graduation and today XX/XX/XXXX ( call started at XXXX EST ) I was told by a customer service rep that I was " pre approved '' for graduation and that I would definitely get my deposit back. Then she said it was only going to be {$99.00}. Something crooked is going on and Bank of America should not be allowed to just keep peoples money 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 non-monetary relief
Consumer complaint received 2018-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
That company equifax never delete this account of my credit report after 1 year of dispute. 

The collection company maked a credit violation on X/XX/2017. 

The case number was Case # Debt Collector Original Creditor Balance Violation Type Open Date Status XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX Letter XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I paid off a expiring promotional balance transfer on a Citi Simplicity Card and took out another promtional balance transfer. Citi Bank charged me {$120.00} fee for doing so, however, Citi Bank took my payment that was to payoff the expiring balance transfer and paid off the new balance transfer. Then they moved my expiring balance transfer to the standard purchase rate. This practice is unfair and deceptive!

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 2018-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I wired {$20000.00} to Coinbase on XXXX XXXX 2017 and within a week they rejected my wire due to the names on the account not matching. I have yet got my money back after several calls and emailed to XXXX and to their bank in NY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
We had a second mortgage with XXXX XXXX XXXX XXXX XXXX. This account went into foreclosure. XXXX XXXX XXXX XXXX XXXX was the property. The foreclosure was X/2012. 

We started the process of purchasing a home and noticed that they were reporting a balance on the account. We called them and they were very nice and said that they would change the reporting. They did not, when we went to close on our house they would not change it on the credit report but did allow for the change directly to the mortgage company we were purchasing from. We would like the account shown as closed and XXXX balance on our report, just as they reported to our mortgage company. 

XXXX and XXXX XXXX XXXX XXXX current address XXXX XXXX XXXX XXXX XXXX XXXX phone 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 non-monetary relief
Consumer complaint received 2018-01-20 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: EQUIFAX, INC.
State: WI

Complaint narrative:
We had a second mortgage with XXXX XXXX XXXX XXXX XXXX. This account went into foreclosure. XXXX XXXX XXXX XXXX XXXX was the property. The foreclosure was X/2012. 

We started the process of purchasing a home and noticed that they were reporting a balance on the account. We called them and they were very nice and said that they would change the reporting. They did not, when we went to close on our house they would not change it on the credit report but did allow for the change directly to the mortgage company we were purchasing from. We would like the account shown as closed and XXXX balance on our report, just as they reported to our mortgage company. 

XXXX and XXXX XXXX XXXX XXXX current address XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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:
On XX/XX/XXXX I filed a dispute with Equifax in regards to two tax liens that are on my credit file. On XX/XX/XXXXunder confirmation # XXXX reported that they had verified the information and used XXXX to validate this information. Equifax purposefully does not properly validate the information. 

They claimed to use a third party XXXX to verify information but have also failed to even do this. Even though using a third party to verify any information is not allowed under the Fair Credit Reporting act. What is truly very bothersome is the fact that XXXX themselves have vacated reporting this improper tax lien/public record information. As evidence, I am including the proof that XXXX has removed this invalid information from their records. The letter I received from XXXX was from XX/XX/XXXX. This clearly shows that XXXX had purged the tax lien/public information from their records. So that Equifax could obviously not have correctly validated this information with XXXX after my dispute of XX/XX/XXXX. 

I have also contacted both the County Courthouse clerk and IRS. None of these enitities or government officials have provided Equifax with any information and they have assured me that Equifax has also not made any attempts to verify this information at either the county and further, the IRS do not supply information to credit reporting agencies themselves. So Equifax is in full violation of the Fair Credit Reporting Act. 

So in other words Equifax continues to report incorrect information on my credit file and continues to not properly investigate and validate information. 

Further, after XX/XX/XXXX, the credit bureaus will exclude all public tax lien and civil judgment data that do not conform to new reporting standards from consumers ' credit reports. According to the ... Additionally, the credit bureaus must continually verify public record information by making courthouse visits at least every 90 days. Equifax has and continues to violate the FCRA and federal government demands to clean up their act but they continue to damage myself and people of this country. 

I demand that this non-validated information be removed from my credit file immediately. 

Equifax has made not attempts to Validate this information and the source of the verification that they are attempting to use is a third party ( XXXX ) and even XXXX does not have this information in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Since my Citi AAdvantage account was open, it was set up on auto pay. I would always make the payment before the auto pay was scheduled which then would override the auto pay. Auto pay was set up as a safety valve. On the XX/XX/XXXX statement the due date was XX/XX/XXXX. When I logged into my account on XX/XX/XXXX to confirm the payment was through, I noticed it did not. So I manually made the payment. I then called Citi Bank to find out why the auto pay did not take place and they told me it was removed. I explained I am the only user of this card and I did not removed auto pay. The rep did n't care, what I was telling them. I also stated the late fee of {$27.00} should be removed because of a defect in their system. The call was then transferred to another rep and they were suppose to have a manager call me back, which never happened. This is a unfair practiced. Being a loyal and long time customer means nothing to them.

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 2018-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX I deposited my paycheck via an ATM. The ATM took my check but failed to offer a receipt, leaving me in doubt as to whether the amount was credited to my account. We had severe winter weather for the next 4 days, and most businesses were closed. On Wed XX/XX/XXXX I called the bank 's customer service line to ask why the deposit had not been credited. The agent confirmed that the ATM " did n't register '' my transaction. He started a " disputes process '' that he said would lead to my deposit being credited. I was surprised to learn that this would not involve any non-routine action by the bank. Instead I must wait until their next routine reconciliation of ATM deposits, which happens every 10 days. He was unable to tell me when the reconciliation would occur. I have waited and checked my account balance each day, hoping my deposit will be credited before bills come due. My wife and I called again today, and after many dead ends on voicemail, spoke to an agent in an undisclosed remote location who had nothing new to report. I finally received a call back from the local branch, in response to an earlier call. ( The bank 's customer service line does not allow contacting the local branch, and XXXX local numbers are not published. I would not have known how to contact them if my wife had not saved a business card. ) I learned that the local branch has means to retrieve the check and " manually deposit '' it without waiting for the routine reconciliation process. The branch employee acted promptly to find the check and deposit it. I still have not seen the deposit credited but am hopeful that it will happen within 12 hours. I was dismayed to learn that the routine ATM check may have happened 3 days ago but there was apparently no action taken about my dispute.

Company response to consumer: Closed with monetary relief