vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
This morning I received an email informing me my account has reached XXXX dollars and I immediately checked my account because I was horrified only to discover my account was negative {$89.00}!! I was confused as to how this could be .... so I investigated and found a check was arbitrarily placed on hold I never received a notification the checked was on hold until today XXXX morning and now Im afraid this may cause me to fall into deeper debt with WELLS FARGO 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 monetary relief
Consumer complaint received 2019-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Security National Automotive Acceptance
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-12-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BB&T CORPORATION
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-12-25 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NY

Complaint narrative:
On XX/XX/2019, There were four unauthorized transactions made on my account totaling {$690.00}. These transactions were happening as I was at home. I went to see if I had misplaced my debit card and saw that it was right there in my wallet as these transactions were occurring. Someone had compromised my information and was making atm withdrawals at two different locations with my information. I filed a dispute with Netspend. They did not assist me. I have contacted corporate and have only received one e-mail from them promising to assist me and asked me how They can reach out to me. I have not heard anything else in days and it is now XX/XX/2019. My card should not have been compromised this easily and now I am out of {$690.00} and Netspend has not asissted me at all. Furthermore, they promised me a provisional credit until the investigation is complete. They came back only a day after I filed the dispute and said " they found no error '' so my account would not be credited. I know they did not do a thorough investigation into this matter. I would like to know what happened to my funds and how my card was compromised and I would like my funds returned to me. Netspend had a responsibility to do a thorough investigation and they did not.

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 2019-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: KS

Complaint narrative:
GOLDMAN SACHS BANK USA advertised the new APPLE CARD and I applied. 

I used the Apple Card for several months without incident. 

I used my govt. XXXX ( XXXX ) XXXX, govt. email address XXXX, and Apple ID to register and use the Apple Card. 

I then changed federal agencies for employment, and moved from XXXX  to XXXX, XX/XX/2019. 

My XXXX XXXX required me to return the XXXX. XXXX ( XXXX ) XXXX, and also closed my email account : XXXX. 

I went two months without a cell phone as a result due to my new XXXX XXXX not providing a cell phone as it had for the past 5 years. 

I discovered that the Apple Card and Apple ID does not work " without '' an XXXX. 

There is NO WEBSITE for the Apple Card in order to update contact info. 

I called Apple and Goldman Sachs and neither could retrieve my account. 

The account was registered with my govt. email and govt. cell and wanted to only send verficiations to these contacts. 

I no longer had access to these XXXX. accounts after departing this XXXX XXXX 

Without an XXXX, XXXX XXXX and Apple would not update my contact info EVEN BY CALLING THEIR CUSTOMER SERVICE CENTER. 

They only wanted to send emails and texts to my old govt. cell and old govt. email. 

I could not check my balance nor make a payment without calling Goldman Sachs.

This caused me serious life distress as a result not being able to track my finances or update my contact information by reasonable means.

I was told by a Goldman Sachs agent that approximately 100+ other persons like me are CURRENTLY experiencing similar distress as a result of the same Apple Card issue due to moving cities.

Goldman Sachs and Apple did not think through the effect on the consumer with the credit card account only working on a cell phone, e.g. without a website. 

The only solution Goldman Sachs could provide was to close my account in XX/XX/2019 now tainting my stellar credit bureau reports after only a few months with the card. 

The Goldman Sachs account is now closed with a balance of approx. {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I took out a lease from GM Financial back in XX/XX/XXXX, my lease was up in XX/XX/XXXX which I returned then waited to get the final bill. After not receiving it I called GM to find out about the bill. They informed me not to worry they will mail it out to look out for it. In XX/XX/XXXX When I still didn't receive the bill I called again. They informed me that they will be mailing it out. I got the letter along with the bill on XX/XX/XXXX I immediately paid this bill. My issue is that GM has reported me late i XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which isn't accurate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX, I Have AutoLoan With Ally Bank On A XXXX  XXXX XXXX, I made a partial payment on the loan and requested a one month deferment do to change of employment since then I have not received any type of understanding from Ally I have been hit with late fees past due payment on my credit reports .I also went to dealership XXXX XXXX only to find out that the vehicle dealer had sold out and also added the amount of previous vehicle that they bought from me to the total amount financed through ally, this is unfair pratices bye all parties, now my credit has been put in jepordy and I have been threatened with repo and bad 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 explanation
Consumer complaint received 2019-12-25 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: TN

Complaint narrative:
This account has popped up on my credit report, to the best of my knowledge i believe i have been a victim of identity thief and i am taking proper actions to correct all issues that i am having. The following account need to be investigated please : XXXX XXXX XXXX  Original creditor : XXXX UNIVERSITY {$3600.00} There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report. Upon research, information, and belief, your bureau is in clear violation of this law. Additionally, 623 of the FCRA requires your bureau to correct and update information in such instances.

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 2019-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On Thursday, XX/XX/2019, the federal reserve had a processing delay with direct deposits. It was a known issue and posted on Navy Federal website. As a result of the delay, I incurred 3 overdraft fees. I asked Navy to reverse the fees as these werent my fault and had the deposit posted timely there would not have been any fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 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: TN

Complaint narrative:
This account has popped up on my credit report, to the best of my knowledge i believe i have been a victim of identity thief and i am taking proper actions to correct all issues that i am having. The following account need to be investigated please : XXXX XXXX XXXX Original creditor : XXXX UNIVERSITY {$3600.00} There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report. Upon research, information, and belief, your bureau is in clear violation of this law. Additionally, 623 of the FCRA requires your bureau to correct and update information in such instances.

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 2019-12-25 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: TN

Complaint narrative:
This account has popped up on my credit report, to the best of my knowledge i believe i have been a victim of identity thief and i am taking proper actions to correct all issues that i am having. The following account need to be investigated please : XXXX  XXXX  XXXX  Original creditor : XXXX UNIVERSITY  {$3600.00} There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report. Upon research, information, and belief, your bureau is in clear violation of this law. Additionally, 623 of the FCRA requires your bureau to correct and update information in such instances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, i opened a " skrill.com '' account, proceeded to upload the required documents and information required. 

Included SSN, DL #, bank account information, and copy of bank statement.

I loaded {$5.00} with the respective bank account and waited for cleared funds. 
{$5.00} left bank account on XX/XX/XXXX. 

On XX/XX/XXXX my account was locked pending further upload of selfie with DL was required. I obliged. Then on XX/XX/XXXX was further locked pending a ID, DL, or passport copy upload. 

I attempted to upload my DL 7+ times over the next 2 days to no avail. Website took the front id upload then got stuck on loading screen after uploading the back every single time. 

Seeming like website failure, i contacted the phone customer service line on XX/XX/XXXX. I was then told they recieved the ID copies 4 times. So why could they not unlock the account? They wanted a copy of my actual social security card ... i said no where on the site requires this and im not going to just take your word for it and give you my most secure document. I want my money refunded and account closed. 

She stated after 5 days of funds clearing i could withdraw my funds. 

I waited, and account is still locked. 
Contacted web customer service and they said it was now 60 days for me to get my money back. 

I contacted them again and they just regurgitate the ID, DL or passport requirement for verification ... 

This is a ridiculously red flag, scam type requesting company. I just want my money back and account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 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: PA

Complaint narrative:
My American Express Membership Rewards transfer is still temporarily suspended even though I have met all spending requirements on all credit and charge cards, old and new and paid all my balances. I believe that all spending are qualified and there was no return. I called the customer service, but the transfer they helped me with also failed since American Express stated that they are still reviewing my purchases. In their reply to my last complaint I submitted on XX/XX/XXXX, they claimed that my newly approved American Express Everyday Preferred card on XX/XX/XXXX was the cause of the delay of the review process. But I have met all qualifying spending criteria on this card and have paid all due balance without any delay or any return. I requested American Express to provide me with information that I can help them to understand my spending and the estimated review end date in my last complaint, but they failed to provide me with such information I requested in their response, which prevented me from helping them with more information. Today is XX/XX/XXXX -- it has been more than two months, but my online transfer page is still empty and calling customer service still does not work. This delay has already seriously affected my travel schedules and have brought so much frustration during this holiday season. I have been a loyal American Express customer. But since their response without helpful information to my complaints, I have switched to use other card providers more than American Express cards during this shopping season, and the miles and points got posted and used without any trouble with those other cards. If this frustration continues, I will reconsider if American Express cards suit my credit card needs in the future.

Company response to consumer: Closed with explanation