vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have repeatedly requested corrections to my name spelling, address, employer etc. and they've failed each time to honor my request. I'm sick of sending certified letters to them asking them to correct the information I've asked to have removed from my report. It's not rocket science therefore shouldn't be difficult. They have left the erroneous info on my report without correcting it. This time I want it corrected and a report showing that they've done so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I opened a new account with wells fargo, i was told that I would be receiving a bonus of {$200.00} as an incentive for opening the account. This was not by any means my motive for opening my account. To my surprise less than a month after I opened the checking account a deposit of {$50.00} was put into my account from wells fargo. I didn't know why and found out that it was a portion of my promised bonus. I found that strange and when I inquired about it via telephone no one had heard of them segmenting the amount in this way. So I was told that after a number of days I think 90 days I would receive another {$50.00} but never did. Of course there was criteria that had to be met and as far as I could tell by painstakingly going over my account details I had met their crtiteria. Any way that's my first complaint. Now they took {$10.00} as an account fee because I had only made 8 not 10 transactions during a period of a month, well I was about to make my 9th and 10th when they froze my card due to some phony activity I've never heard of!! I feel ripped off and lied to, played for a fool.

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 2018-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Around XX/XX/2017, I opened a new Business Platinum credit card with American Express for a newly formed company ( XXXX XXXX, XXXX  ). While some charges were made to this account for a remodel project, ultimately, I decided not to proceed with the business, and I subsequently closed the credit card. Any charges made on the card were timely paid in full. 

At the time I closed my account, I had at least one other ( personal ) account open with American Express. Under my Platinum Business Card, I had earned ( and redeemed ) Membership Rewards points, and I had substantial additional points still in my account. 

When I called to close my account, no mention of even the possibility of any of my points being deducted or withdrawn from my account was ever mentioned. Many other terms and conditions of my account closure, some of which were not nearly as material, were mentioned by customer service representative. 

The Membership Rewards points were not deducted from my account immediately upon account closure. I am not certain exactly when they were deducted, as no notice was ever provided to me, and I only realized this issue when I logged into my account online a month or two later to check my personal Green card account and I saw a negative Membership Rewards account balance. 

Only when I contacted the Membership Rewards team, was I informed, for the first time, with regards to the 12 month minimum time period to keep an account open. They told me this was in the " fine print '' of my terms and conditions agreement. I was quite upset about this ; had the original Customer Service representative I had spoken to while closing the account brought this to my attention, I could have easily met the requirement. I was further informed that the 12 month period is only sometimes enforced- only when American Express believes that there may have been account abuse. I find this assertion ludicrous and insulting. I opened a new business, including the filing of required forms and documentation with the State of California, hired an attorney to prepare partnership documents and other matters, and opened credit cards and checking/savings accounts for the business. When I determined not to keep the business as a going concern, I did what any person would do, which is to close all the accounts associated for the business.

I have used various American Express cards and products for many years, including when I was a minor under my parents accounts, and I have never had any issue opening or closing accounts as per my needs may have dictated. Additionally, I have never had late payments or accounts not in good standing.

I have attempted several times to resolve this issue and get my points returned by AMEX simply refuses to do anything about this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had a chase checking account that I have upgraded to Premier Platinum Checking in XX/XX/2018 and at the same time with the same banker opened a total business checking account as with the Premier Platinum Checking, it will have no monthly service fee on this account. It was confirmed with the banker when I open this account but yet a $ XXXX monthly service fee and Chase ACH Monthly Payment Fee $ XXXX/month was applied to this account when no ACH Payment was ever made with the account. 

No matter what I do after discovering this overdraft and NSF, I have had transfer funds between my personal and business account and try to cover purchase but as I am not able to log in every day to monitor or meeting the cut off time at times and once the overdraft started i.e it was 3 {$20.00} transaction overdraft 1st day being charged {$34.00} ( standard NSF fee ) *3 the max chase have set {$100.00}, even when I have covered the amount of the purchase by depositing {$60.00}, but because of the NSF fee, my account continues to overdraft, and many times I have deposited more than the amount to cover the purchases but because of the continue in debt of overdraft fee which many will not trigger if it wasn't for the unnecessary fee charged that supposed to be waived, it ultimately troubles me financially. Even on an item that was not paid, I was charged for returning the item? 

In this past year, I have been charged in total over {$1200.00} which in my opinion over {$1000.00} of these fees are problematic. and over {$800.00} just from XX/XX/XXXX to today alone in my personal account. in the newly open business account, it had in total resulted in a loss in my account of over {$800.00} solely in fees. Some of these fees were refunded when I contact but many are not and I still continue to be charged this fee despite I was told ACH Payment service will no longer be active as I did not activate it. When the fees were refunded, they were not back dated as it was charged in error as otherwise some of these NSF would no longer even had been triggered that put me in this fee debt trap I am in right now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-24 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: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
CFPB : My name is XXXX XXXX and the collection company I am talking about is called IQ Data International. This in regards to a charge that my old leasing company feels that they need to pin on me. I am having an attorney look at this as we do not feel we are responsible for the amount owed which was {$890.00} and they start to add interest. The address in the letters that they have sent state that they are from XXXX in Washington, but, the calls come from an XXXX   area code which is the XXXX XXXX area. We are disputing this and I made that very clear to the Agent that I had spoken to from this so called collection agency. His name was XXXX XXXX, but, that could be a fake name. This agent was beyond unprofessional and he was making threats about my credit and it was as almost as if he was trying to bully me into giving him my credit card information. I called XXXX XXXX trying to explain the situation that I did not agree to any amount that was charged to me and that I was challenging this. The leasing company never even sent me a bill ( Invoice ) as they just sent to this IQ Data International. After giving XXXX XXXX a piece of my mind I terminated the call. Now they have someone named XXXX trying to call me. I am not This company 's approach at collecting debt is completely out of line and it really seems like a scam. I do not want these people calling me or sending me any more letters.

Thanks, XXXX 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 2018-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
8 Years I cant get a New Credit Card Becuse of the Attached Photo of a Extended Consumer alert in my Credit File ====== Can Experian XXXX and XXXX  XXXX please Remove the Extended Consumer alert in my Credit File XXXX XXXX Sent me a Attached Picture of a Extended Consumer alert Please Remove ============== 50 times I sent the 3 Credit Burow pictures of 3 Forms of my ID and the Credit Burow almost never respond other then They Cant verify me or Send ID agin ======= Experian RESPONDED DESCRIPTION OF NON-MONETARY RELIEF According to our records, your Experian credit report does not display a fraud alert.

=== Experian did not Respond about the Extended Consumer alert Experian Please Resond about removing the Consumer alert ======= Ecperian should Remove the Extended Consumer alert in my Credit File XXXX XXXX CEO Banks XXXX XXXX and XXXX XXXX XXXXXXXX robed me {$100000.00} dollers then 40 Bank lawyers say its Imposabale two Comprhend the Bank rob people the bank cant comprhend Robing People 6 years Im a XXXX  living in Forign Countries its Verry Hard two find a Printer two mail the Credit Burrow a letter two Please Remove the Remove the Extended Consumer alert in my Credit File American Banks rob all my Money making me a XXXX  then American Banks block 90 % of my banking dose not Work The Banks Block all my XXXX  Purchase I applied fore 100 new Bank acounts all denied but one Bank that Nothing works CFPB says two call them and The only way two call and American BANK 1800 number Requires a CELL Phone with International long Distance cost {$5000.00} dollers a YEAR

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
8 Years I cant get a New Credit Card Becuse of the Attached Photo of a Extended Consumer alert in my Credit File ====== Can XXXX Equifax and XXXX XXXX please Remove the Extended Consumer alert in my Credit File XXXX XXXX Sent me a Attached Picture of a Extended Consumer alert Please Remove ============== 50 times I sent the 3 Credit Burow pictures of 3 Forms of my ID and the Credit Burow almost never respond other then They Cant verify me or Send ID agin ======= XXXX RESPONDED DESCRIPTION OF NON-MONETARY RELIEF According to our records, your XXXX  credit report does not display a fraud alert. 

=== XXXX did not Respond about the Extended Consumer alert XXXX  Please Resond about removing the Consumer alert ======= XXXX should Remove the Extended Consumer alert in my Credit File XXXX XXXX  CEO Banks XXXX XXXX and XXXX XXXX XXXX robed me {$100000.00} dollers then 40 Bank lawyers say its Imposabale two Comprhend the Bank rob people the bank cant comprhend Robing People 6 years Im a XXXX  living in Forign Countries its Verry Hard two find a Printer two mail the Credit Burrow a letter two Please Remove the Remove the Extended Consumer alert in my Credit File American Banks rob all my Money making me a XXXX  then American Banks block 90 % of my banking dose not Work The Banks Block all my XXXX  Purchase I applied fore 100 new Bank acounts all denied but one Bank that Nothing works CFPB says two call them and The only way two call and American BANK 1800 number Requires a CELL Phone with International long Distance cost {$5000.00} dollers a YEAR

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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: FL

Complaint narrative:
I have sent 4 letters to each credit bureau requesting physical proof of their verification methods ( documentation that they possess giving them the right to list information on my reports, how it was verified, who they spoke to ) and requested that any information that could not be verified with physical proof be removed from my reports. I have only received results stating that my information has been verified and updated with no supporting details or documentation. In my letters I stated that I am not disputing the validity or accuracy of the negative accounts but that I am disputing the credit bureaus right to list these accounts on my reports without proper verification from the creditors and that they must be deleted, under federal law, if they can not be verified. My most recent letters were dated XX/XX/18 but not sent until XX/XX/18. XXXX   and Experian both sent me results without documentation saying that the accounts meet FCRA requirements. XXXX sent me a letter saying the identification I provided ( drivers license and ssn ) does not match their records. They were able to locate my file several times with the same identification I provided in the first 3 letters, the information has not changed, they are stalling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I have a loan with GMFNANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and GMFNANCIAL with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX, XX/XX/XXXX / XXXX - XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and NAVIENT with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I have a loan with SELECT PORTFOLIO SER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SELECT PORTFOLIO SER with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX - XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent 4 letters to each credit bureau requesting physical proof of their verification methods ( documentation that they possess giving them the right to list information on my reports, how it was verified, who they spoke to ) and requested that any information that could not be verified with physical proof be removed from my reports. I have only received results stating that my information has been verified and updated with no supporting details or documentation. In my letters I stated that I am not disputing the validity or accuracy of the negative accounts but that I am disputing the credit bureaus right to list these accounts on my reports without proper verification from the creditors and that they must be deleted, under federal law, if they can not be verified. My most recent letters were dated XX/XX/18 but not sent until XX/XX/18. Transunion and XXXX both sent me results without documentation saying that the accounts meet FCRA requirements. XXXX sent me a letter saying the identification I provided ( drivers license and ssn ) does not match their records. They were able to locate my file several times with the same identification I provided in the first 3 letters, the information has not changed, they are stalling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent 4 letters to each credit bureau requesting physical proof of their verification methods ( documentation that they possess giving them the right to list information on my reports, how it was verified, who they spoke to ) and requested that any information that could not be verified with physical proof be removed from my reports. I have only received results stating that my information has been verified and updated with no supporting details or documentation. In my letters I stated that I am not disputing the validity or accuracy of the negative accounts but that I am disputing the credit bureaus right to list these accounts on my reports without proper verification from the creditors and that they must be deleted, under federal law, if they can not be verified. My most recent letters were dated XX/XX/18 but not sent until XX/XX/18. XXXX   and XXXX both sent me results without documentation saying that the accounts meet FCRA requirements. Equifax sent me a letter saying the identification I provided ( drivers license and ssn ) does not match their records. They were able to locate my file several times with the same identification I provided in the first 3 letters, the information has not changed, they are stalling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-24 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: TX

Complaint narrative:
On or about XXXX XXXX, a complaint was submitted to transunion related to XXXX XXXX reporting of their failures pertaining to the internal financial reporting. A report on fraud was reported for the sum of {$240.00}. On or about XXXX XXXX provisional credit was applied in that sum but balance was never adjusted. On XXXX XXXX the fraud department called claiming duplicate provisional credit was applied which, XXXX took back the provisional credit after XXXX sent the money back to my credit card. During the reporting month only {$310.00} was utilized for credit spending plus {$200.00} was paid by myself with credits of {$44.00}. from XXXX. So, from the time of the credits posting on XXXX XXXX and close of statement date this was the statement date which my balance was {$1700.00}. reported by chase however, {$310.00} was used after XXXX XXXX a payment for {$100.00} made on XXXX XXXX. The credited used prior to XXXX XXXX was {$310.00} and XXXX XXXX XXXX bank fraud called stealing {$240.00} stating duplicate provisional credit which I never recieved leaving me on XXXX XXXX statement close at {$2100.00}. XXXX BANK COMMIT FRAUD BY STEALING THE CREDIT BACK AND THE EXECUTIVE ASSISTANT XXXX STATES NO CPA, NOR THE PRESIDENT OR CFO or CEO will deal with this problem. XXXX has no degree in finance or is a CPA and she stated the CEO has put her in charge to make the decision and she is the highest it will go to. SO XXXX BANK CEO HAS PUT UNEDUCATED PEOPLE TO DEAL WITH PEOPLE 'S MONEY. THIS SHOULD ONLY TELL CUSTOMERS THAT THE INVESTORS AND SHAREHOLDERS DONT CARE ABOUT WHATS GOING ON AND Transunion is only helping them by checking in or providing the proof on what the company 's trying to defraud customers 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