vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a victim of identity theft, a report with ftc has been filed. 
Help me correct this issue on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: David E. Gray Attorney at Law LLC
State: PA

Complaint narrative:
David E. Gray, Attorneys at Law, LLC XXXX XXXX is my contact with the company. 

I arranged an agreement with the company to pay $ XXXX/month until my debt of {$350.00} was paid off. 

I have been charged more than the agreement more than once and after I have contacted XXXX to cease. 

The payments are electronic payments through my debit card with my checking account. 
I am low income and even such a low debt is extremely crippling to me. I can not afford to eat now because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Back to this XXXX, I opened a Citi bank package with {$400.00} welcome bonus. All the requirements were meet four months ago, however, the bonus has not been posted yet. Please ask Citi to honor the offer and post the credit as soon as possible. 

Here are more details. There are three requirements to earn {$400.00} bonus. 
Requirement 1 : open a new checking and savings account in the Citibank account package between XX/XX/18 XX/XX/18 Comments : My accounts were opened in XX/XX/18. Requirement 1 was meet.

Requirement 2 : within 30 days of opening your account, deposit {$15000.00} new-to-citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Comments : I deposited {$1500.00} to my checking and {$13000.00} to my saving accounts on XX/XX/18 from external financial institution. Requirement 2 was meet.

Requirement 3 : maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. 
Comments : More than {$15000.00} balance had been maintained from XX/XX/18 to XX/XX/18, which is more than 100 days. Requirement 3 was meet. 

In a word, all the requirements have been meet. Please ask Citi to post {$400.00} credit as advertised. 

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 monetary relief
Consumer complaint received 2018-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BBVA FINANCIAL CORPORATION
State: NM

Complaint narrative:
I tried working with both the fraud department at the XXXX XXXX XXXX, ie. Compass Bank ; I then wrote : Hi XXXX XXXX, this is XXXX from XXXX, and I spoke to a bank agent yesterday RE ; a {$38.00} over draft fee when back on XXXX XXXX or XXXX from XXXX restaurant after it was verified and still showing I had over {$80.00} in my account and made a purchase there of {$32.00}. they took an additional {$38.00} out saying NSF. I then received a fraud alert that there was a {$10.00} XXXX purchase that was declined & asked if I made this purchase and said no but I was glad they did not authorized the payment. I then auto deposit a {$26.00} and next thing I know there was 2 more transactions that were supposedly paid on my behalf after I showed it was flagged as fraud, told the agent to close this account. Now my account is {$180.00}. With those declined fraudulent charges paid after I told them to close the account and it showing the purchases originally did not go through Very confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have promotional balances coming due. The regular monthly payments do not get applied to promotional balances. They only apply payments to regular fixed payment reduced APR. You can call and make an extra payment only after you initial minimum payment is applied. When you tell them you want the extra payment to go towards a particular promotional balance, they say no problem, then continue to do a payment allocation. They even give you a confirmation number. After having to wait 72 hours, I check my account and the extra payment is treated as a regular payment for the next month, and only applied between fixed pay accounts. They have no interest in having you pay off the 12 mo no interest amount so they can hit you with an extremely large interest fee. This has happened in XXXX and now XXXX. When I call to complain, they tell you they will correct it and wait 72 hours again to see it appear on your account. By this time, you are already into the next billing cycle. And the problem stars all over again.

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 2018-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a victim of identity theft, a report with ftc has been filed. 
Help me correct this issue on my credit reports.

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 2018-11-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a victim of identity theft, a report with ftc has been filed. 
Help me correct this issue on my credit reports.

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 2018-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a complaint with respect to two responses received from XXXX XXXX XXXX ( " Bank '' ). The complaint numbers were XXXX-XXXX and XXXX-XXXX. The responses provided were factually inaccurate and potential libel actions. The Bank 's employee has lied about the series of events that occurred. My wife did not use any " inappropriate language '' nor did she commit any " inappropriate actions. '' Furthermore, the monetary relief the Bank claims it has provided is not relief of any kind. It is the return of our property ( i.e. the funds in the account ). No compensation or apology has been issued by the Bank or any of its employees. In fact, it was the particular Bank employee who escalated the situation and caused a scene which made me fear for my safety and the ability to have continued access to my property. Frankly, it was the worse customer service experience I have had in my life. This whole situation could have been avoided had the Bank employee let me access my safety deposit box during my daughter 's wedding. It was only when I pointed out a flaw in their security procedures that the Bank employee became defensive and raised her voice. The reason for resubmitting this compliant is to bring to the attention of the Bank the actual events that occurred and to affect actual change there, so this does not happen to any other customer. I hope this complaint is taken seriously because the deceit and duplicity my wife experienced as a customer of the bank ( for over a decade ) is simply unacceptable. There are consumer protection laws to ensure that customer do not get treated this way, and I would much rather have this resolved in this manner than take legal action for the way my wife was treated. Please address this immediately and provide some actual relief, rather than deceptively implying that monetary relief was provided in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Newman, Hesse & Associates, P. A.
State: IL

Complaint narrative:
I have received a garnishment on my most recent payroll from my place of employment at XXXX XXXX in XXXX, Illinois XXXX in the amount of {$170.00}. Today XX/XX/2018 I received a letter from Newman, Hesse & Associates, which I have attached and uploaded. This letter has Case No.  XXXX and I have no idea where this came from?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Agency of Credit Control
State: OK

Complaint narrative:
Agency of credit control has placed this collection on my account without notice for the second time. I asked for verification and they have sent a letter that it was paid in full and account will be ceased but still did not put in a request to have account removed from credit bureau or verification. First time I filed a compliant the account was removed off credit report and 6 plus months later account was added back on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
As with my previous contacts with you all I have stated that I am in the XXXX XXXX and I have been in one for a number of years due to a XXXX  XXXX of XXXX XXXX. There is an account that is not mine and I have absolutely no knowledge of from the Department of Education regarding my student loan and it is reporting on my credit report. I have disputed this and was told by the credit company that it was my account however I have no knowledge of this account or just anything about it. Please contact the necessary agency in happy remove thank you very much!

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 2018-11-03 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: WI

Complaint narrative:
I contacted Experian to let them know that they have changed my name on my account to my husband 's name. They advised me that my husband membership/account is his name and ssn, and his report, but my membership/account is under his name and date of birth, but my social security number. 

I am not sure how this mixed up happened. I can only imagine because we used the same computer to sign up for separate memberships with different email addresses, two days apart, but when I logged into my membership which I set up two days prior to his ( and it was under my name and date of birth at the time ) we have different login numbers as well ... so when I logged into mines today his name appears and my credit history appears. He logs into his, his name appears and his credit history appears.

So basically they have taken my identity and given it to him and now they are telling me I have to prove that they did that. I asked them can they please just track down what happened and reverse they advised me no. I would need to mail in proof of my own identity. So I am now being inconvenienced for their errors. The time I will need to take off of work to get this done ( going to get social security card, birth certificates, typing letter and mailing or faxing it off ), I will need to be reimbursed for. Additionally, I am trying to make a major purchase and now I have to wait 30-45 days for them to correct what they did in a few seconds.

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 2018-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XX/XX/XXXX, I called Wells Fargo to get the overage I have paid on a monthly basis ( since XX/XX/XXXX ) to be applied directly to my principal loan amount. I need to get my principal amount trued up as I was trading in my vehicle. The representative told me they would be applying approximately {$700.00} to principal amount and it would take 48 hours to hit. I asked for a revised principal amount and the representative gave me approximately {$10000.00}. 48 hours after, I looked at my account and they messed up my last two payments which then made my balance approximately {$11000.00}.  Approximately {$600.00} more than what they told me it would be changed to. I bought the new car using the number what was provided to me my the representative ( ~ {$10000.00} ). Now I owe the dealership ~ {$700.00} ( including interest on pay off ) because of Wells Fargo 's inaccurate number. I made a huge life decision based on bad information provided to me directly by the bank.

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 2018-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: National Credit Services, Inc.
State: WA

Complaint narrative:
I had to call national credit services in XXXX, wa so i could talk to them about the student loan. i told them i think that it might not be mine because i went to XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, not XX/XX/XXXX. i asked to be able to look at the documents so i could see because i remembered seeing the discrepancy years ago. they wouldn't tell me anything about it. they just said that since it was consolotated that they didn ; t have any information on the original. documents. it wan ; t until after they made the payment that they told me that the bill was incurred in XX/XX/XXXX. but they wouldn't tell me anything else and wouldn't email me the information. 
i just want to seee the documents and i want to cal the consolodation company and find out what they have. and i want to make sur e that it was me, so i'm not paying for someone else 's education. 
if it's mine, i'll be fine with it, but i want to make sure. and i was denied that right. 
i feel that i was treated like a subhuman and preyed upon. 
i want justice, i should be able to see the information on the bills that i am paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2018, I was a victim of bank fraud. I received 2 emails from Chase about a provisional credit for 2 claims. I tried logging into my account to received a message my account is suspended and I needed to call. I called Chase and the representative told me my account is subject to closure and she will not tell me why. I reported the claims as fraudulent. I visited the local branch on Monday to get a copy of my transactions which Chase refused to tell me on the phone. I found more fraudulent charges that were done locally. I disputed those charges as well. Throughout this whole process, Chase did not contact me at all with any updates. I never received any alerts of fraudulent activities. Chase denied all of my claims and told me their reason is because I did not report the transactions and claims as fraudulent when they immediately occur and that my account was being monitor. Chase did not verified the phone number that was used to call for the claims made. I can also prove that I never called Chase. Chase told me they will not review any camera footages because my account was being monitor ( logging in ) but they did not state what device my account was being login from. I called my cell phone company to see if my mobile phone IP address may have been compromised which could explain how the thief was able to  get my information, XXXX stated that cell phones has temporary ip address. Meaning every cell tower you connect to, your IP address will change. An individual had all of my information to make fraudulent claims. It should be obvious that they also had my bank login information. Chase wants me to pay the negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
As with my previous contacts with you all I have stated that I am in the XXXX XXXX and I have been in one for a number of years due to a XXXX  XXXX of XXXX XXXX. There is an account that is not mine and I have absolutely no knowledge of from the Department of Education regarding my student loan and it is reporting on my credit report. I have disputed this and was told by the credit company that it was my account however I have no knowledge of this account or just anything about it. Please contact the necessary agency in happy remove thank you very much!

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 2018-11-03 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: EQUIFAX, INC.
State: IN

Complaint narrative:
As with my previous contacts with you all I have stated that I am in the nursing home and I have been in one for a number of years due to a XXXX XXXX of XXXX XXXX. There is an account that is not mine and I have absolutely no knowledge of from the Department of Education regarding my student loan and it is reporting on my credit report. I have disputed this and was told by the credit company that it was my account however I have no knowledge of this account or just anything about it. Please contact the necessary agency in happy remove thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Reason for Dispute : I believe that this account inquirie is invalid. I did not authorize an inquirie. Please validate this account in its entirety or remove this entry from my credit report. Thank you.

Hard Inquirie ( s ) : 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 2018-11-03 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: EQUIFAX, INC.
State: HI

Complaint narrative:
Company recorded several incorrect credit information on my credit report then when trying to contact by usps they refused information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
I have credit inquiries that should be removed and have not been, they are : XXXX/XXXX on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX   XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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