vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: OH

Complaint narrative:
I applied for a loan, which I already have a loan with, and they told me it would not affect my credit score and offered me a low rate after I entered my income of XXXX. I have a XXXX and a XXXX and they told me after they approved my loan that they could only count one of  my income, therefore dopping my income down to XXXX, XXXX therefore forcing me to take a higher interest rate, mush higher than the one ai current ly have with them. and my credit report was dinged for nothing. This is a bate and switch. These are illegal sales practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2019-06-07 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: NY

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX ( XXXX ) sold my account debt of {$590.00} to XXXX XXXX XXXX and closed the account on XX/XX/2017. When I check my credit report, the balance owed still shows {$590.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX and the account balance should be {$0.00}. This was confirmed when I called 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 2019-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/XXXX, I opened a checking account with US bank and made a deposit of {$1500.00} by a check from my byline bank account. However, the check was returned on XX/XX/XXXX, because XXXX XXXX made a mistake to reject the transfer of {$1500.00} from my saving account with it ( when I had {$2300.00} in my account ) to my checking account with byline bank, which was supposed to cover the check that I deposited with US Bank. 

The check returned caused my checking account with US bank to be - {$19.00} because it charged {$19.00} fee for the return item. On XX/XX/XXXX, I deposited {$20.00} in cash to bring the balance to positive. On XX/XX/XXXX, also I deposited {$600.00} in cash and {$2300.00} by check to the account. So the balance in my account has been {$2900.00} since XX/XX/XXXX. 

On XX/XX/XXXX, US bank informed me that it was in the process of closing my account because of the suspected irregular activities and ATM and debt card were disabled ( I couldn't withdraw any money from my account and it also blocked my access to my account online ) but it would send me a cashier 's check for the balance ( {$2900.00} ) within 15 days once the deposit items were verified, which should be before XX/XX/XXXX since the {$2300.00} check was cleared on XX/XX/XXXX. 

On XX/XX/XXXX, when I got the letter from the bank, I went to its branch to show the evidence to prove that the check returned was caused by emigrant direct 's mistake and I had no fault on it as it was totally out of my control, but the bank said there was nothing it could do to stop the process. 

On XX/XX/XXXX, when I needed to use the money, I went its branch again and it told me that it had closed the account and sent out the check of {$2900.00} on XX/XX/XXXX. 

On XX/XX/XXXX, when I didn't get the check that US bank told me was sent out on XX/XX/XXXX, I called US bank, but it told me that my account was still in hold and they didn't know when the process would end exactly. 

It didn't do anything wrong. I never had any negative banking or credit history and US bank knew it, but it closed my account based on a mistake caused by another bank and froze my account since ever for no reason ; I never owned it money.

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 2019-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I went to Bank of America in XXXX, CA  to cash a check for {$500.00}. I was told that they could release {$200.00} cash and out a hold on the remaining amount. The money that was on hold was never received. I contacted the branch on several occasions and was told that I took the check back and that they didn't have a record. I was directed to the fraud department and was advised that they could see that a transaction did take place, but they were unsure as to what it was. I spoke to the branch again, and they even told me that they didn't give me {$200.00} from the check. I contacted the owner of the check and received a copy that the check had been cashed. I took a copy of the cleared check to the bank and mysteriously, the branch manager XXXX XXXX said he sees 3 transactions but can not confirm how much money was released from the check. The same check, that he denied me cashing, prior to me showing a copy of the check clearing the check owner 's account. He also stated that he has the transaction history, but could not release that to me He did confirm that there was a hold on the funds in transaction # 2 that there was a {$300.00} hold. But on transaction # 3 they gave money but doesn't know how much but he is assuming it was the whole {$500.00}. At this point, they can not prove they money they gave me and the are refusing to provide me with the transaction details. What the bank has is not what is available online or what their fraud department is available.

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 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent notices to XXXX, Transunion, XXXX about reporting a collection without no proper validation that it belongs to me or that I have a legal obligation to pay this money to this collection company. I have requested from all 3 Bureaus valid documentation that I am legally responsible to pay said collection company which they all have not furnished or obliged my request but still continue to report this on my credit report.

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 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
RE : AMEX account # XXXX XXXX XXXX I have been an American Express Card holder since XX/XX/XXXX ( nearly 50 yrs. ) and that will now end. 

American Express has breached their agreement with me, by discriminating against me, deliberately providing me with untruthful statements, and using a scheme which is known and approved by their CEO XXXX XXXX and board-members for the sole purpose to deter customers to contact them who have a complaint or who have been cheated by American Express. 

Facts : - For 50yrs.I have Never had a payment returned -Never violated anything in our agreement -American Express themselves consider me to have been an EXCELLENT customer One of the primary perks or features for American Express cardholders is the fact American Express credits the available balance immediately after a payment. They are one of the few who do this. XXXX is the other. It is the most courteous consumer benefit which separates American Express with most other banks. 
-I have always enjoyed this feature, many times if i needed to make a purchase above my current available credit and also take advantage of my rewards points. I could simply make the required payment amount and use the card for the purchase immediately. 
-On XX/XX/XXXX ; I made a payment for {$1900.00}, not a large amount of money. Immediately as it has always done, my available credit increased to reflect the payment amount. That being {$1900.00} ( credit limit is {$6000.00} ). 
-I then attempted to pay my ATT bill for {$950.00} and was declined. Soon after my available credit was removed. 
-Used the American Express Chat feature, spent over an hour hearing the AMEX rep. Lie to me time after time. Finally a supervisor came on and confirmed the information I was provided earlier was untruthful. 
-I attempted another payment for {$500.00} just to prove my account had been restricted. Again the payment was not credited. 
-Therefore I contacted my bank to make sure those payments are not honored, American Express I have recordings and copies of my chat conversations which will clearly confirm all my claims

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BlueChip Financial
State: WI

Complaint narrative:
They constantly called me and threatened to come to my place of work and my home. Told me I could go to jail if I do not pay. They called my husband and did the same and he is not on the loan. I told them to mail me information as I did not remember this debt. ( which now I do ) They never nailed me anything and have been calling for a year. They just stopped when it showed up on my credit report. They are horrible outfit and should be shut down. If they had been nice in the phone and mailed me the info on the loan, it would have been very different and never got this far. I had a bad gambling habit at this time and had at least 13 payday loans out. I settled with all of them, except this one which I thought I had settled. It was a very difficult time and I am trying very hard to get things straight. This place has caused several stressful days with their calls, telling me I owed way more than I borrowed. Spotloan only loans {$800.00}. I have paid Spotloan thousands of dollars with the outrages interest and told the collection company I would not pay any interest and I do not trust this place to say it is paid, if I did pay them. They are the devil. I had no problem with the 12 others I dealt with.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) sold my account debt of {$590.00} to XXXX XXXX XXXX and closed the account on XX/XX/2017. When I check my credit report, the balance owed still shows {$590.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX and the account balance should be {$0.00}. This was confirmed when I called 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 2019-06-07 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) sold my account debt of {$590.00} to XXXX XXXX XXXX and closed the account on XX/XX/2017. When I check my credit report, the balance owed still shows {$590.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX and the account balance should be {$0.00}. This was confirmed when I called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent notices to XXXX, XXXX, Equifax about reporting a collection without no proper validation that it belongs to me or that I have a legal obligation to pay this money to this collection company. I have requested from all 3 Bureaus valid documentation that I am legally responsible to pay said collection company which they all have not furnished or obliged my request but still continue to report this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent notices to Experian, XXXX, XXXX about reporting a collection without no proper validation that it belongs to me or that I have a legal obligation to pay this money to this collection company. I have requested from all 3 Bureaus valid documentation that I am legally responsible to pay said collection company which they all have not furnished or obliged my request but still continue to report this on my credit report.

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 2019-06-07 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: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
Dear CFPB, all three credit bureau and Franklin Collection, I have received a notice from the collection firm Franklin Collection ( original creditor is XXXX XXXX XXXX ) suggesting I owe {$260.00}. This account was previously under XXXX XXXX and it was remove between XXXX and XXXX because this item as well as the original creditor were disputed, now this same collection agency that was REMOVED on all 3 credit files has re sold my account to a new collection agenct, who have threaten me and sent a notice that if I don't pay this debt ( which is not mine ) within 30 days from notice that " ... ..report this account on your credit history ... ''. So now I will yet take another hit to my score which is wrong, I humbly request since this account was already remove from the same original creditor XXXX XXXX XXXX. That it be remove OR not allowed to report false erroneous collection on my credit file, this debt does NOT belong to me. Also as all bureau are aware that I'am an identity theft victim, I would like to advice that I have received my results from XXXX  that my Social Security number has in fact been found associated with another individuals account information, I have taken a picture of XXXX notice with the results I ask you also take into consideration this document for all other items in dispute. I also have attach more documents associated with notice receive and also more proof. 
Also please if possible CFPB I'm unable to send this complaint to all 3 credit bureaus can this also along with my attachments be forward to XXXX and XXXX, I was only able to add 2 additional companies so I also sent this complaint to XXXX XXXX and XXXX.thankyou in advance CFPB for your help with this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo will not allow me to add my debit card to my account. When I contact support they say there is a security flag even though I may have done nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have not received restitution under CFPB 's consent decree In re USAA Federal Savings Bank, File No. XXXX. 

On XX/XX/2018 I notified USAA I revoked my authorization to draft my account effective immediately. They drafted it anyway. Then they drafted it again weeks later which they never had permission to do. I was charged a {$33.00} fee by my bank each time ( XX/XX/2018 and XX/XX/2018 ). 

USAA has also cut off access to my account. I can not log in online. This happened after the above incidents so I feel like I was retaliated against.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: NY

Complaint narrative:
XXXX XXXX XXXX sold my account debt of {$240.00} to XXXX XXXX and closed the account on XX/XX/2016. When I check my credit report, the balance owed still shows {$240.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX XXXX XXXX and the account balance should be {$0.00}. This was confirmed when I called XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: NY

Complaint narrative:
XXXX XXXX XXXX sold my account debt of {$240.00} to XXXX XXXX and closed the account on XX/XX/2016. When I check my credit report, the balance owed still shows {$240.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX XXXX XXXX and the account balance should be {$0.00}. This was confirmed when I called XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I filed bankruptcy last year, and during the filing through the months of XX/XX/XXXX and XX/XX/2019, Fifth Third Bank, which is where my auto loan is through, wouldn't allow me to make a payment. I was then allowed to make my XX/XX/XXXX payment and have made every payment since. We hadn't heard anything from them since. A week ago my wife was contacted by Fifth Third and they told us that we had to payoff the rest of our loan or they were coming to take our car. I called them back and they said they wouldn't talk to me and I had to talk to a lawyer. Since then, we've had people calling nonstop, threatening us that they were coming to take our car. I have no idea what to do because we can't afford to make that massive of a payment and the bank won't talk to us other than telling us to pay them or they're taking our car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2019, I submitted a dispute to Navy Federal due to a scam that occurred via XXXX. I never received the product that I paid for on XX/XX/2019 and informed Navy Federal that the vendor had blocked me and I had no way to contact the vendor. Im escalating this matter because I want my money back. The letter they sent me with the reason they were unable to process my claim is as follows : The amount debited by the merchant was agreed upon when the services were initiated. While we understand the recipient of the funds failed to fulfill an agreement, the funds transfer service was fully performed. Therefore, we have no recourse within the dispute resolution process to pursue this matter further. I never received the product. I never received tracking information as if the product was on the way just excuses. When I had asked the vendor whats the status of the shipment, I found out that the page no longer existed. Please escalate this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: GA

Complaint narrative:
Im trying to remove my bankruptcy XXXX I never use it hurting me bad and I want to remove the inquirys on my credit ASAP .. someone use my information framing me.. please help.. I want to take off the security freeze on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 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: NY

Complaint narrative:
XXXX XXXX XXXX sold my account debt of {$360.00} to a collection agency and closed the account on XX/XX/2014. When I check my credit report, the balance owed still shows {$360.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX XXXX XXXX and the account balance should be {$0.00}. I have also received letters from three different collection agencies claiming they own the debt now.

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