vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX  with XXXX XXXX XXXX XXXX pulled my equifax credit report without my consent. I contacted the XXXX XXXX  and they said that they have made the appropriate updates and have notified the Equifax of the changes that need to be made to my credit report. They said that the hard inquiry would go away.However, the hard inquiry has never removed from my equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
This is the 3rd or fourth complain I am filling with this bank. I had travel out of the country back in XXXX and prior to that had contacted the customer service online to inform them. While overseas, I used my card twice in the ATM. When i checked my online statement after returning., I saw that I was charged international ATM, Fees, and other fees. I had asked the representative if i could use my card and what other fees i should expect, I was told it would just be the ATM fees since its not my bank 's ATM. yet I was charged other fees. Secondly, I am constantly charged overdraft fees, Often I would check for my account and know I have funds available and would still get charged. Sometimes i get charged double the fees. I understand the terms of having overdraft protection, but I feel this bank uses that to their advantage to overcharge customers. Its almost like a punishment. The government needs to look into it. its becoming an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: NH

Complaint narrative:
I XXXX XXXX, have already tried to correct my credit bureaus where the attached posts on credit shows that I was not removed as a authorized user. On each of these posts it shows that I was only an authorized user. I was at no time a responsible party in the use of these credit cards. I was added only as a means of helping me to rebuild my credit. Now the responsible party has defaulted on his obligations, I believe that it is in my best interest to come off of these accounts as an authorized user, and to have these accounts removed from all of my credit bureaus immediately. These trade lines need to be removed immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: MS

Complaint narrative:
Recently Discover closed my credit card account. They did not provide a reason even though I had never missed a payment and my credit score is always around 800. The credit card account has a credit balance of {$6000.00} Over the past few weeks I have repeatedly asked them to send me a check for the balance. They have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: NJ

Complaint narrative:
I am a single mom with XXXX children, and I am a XXXX XXXX. I needed money for an emergency. I borrowed {$400.00}. I made my weekly payments faithfully for {$56.00}. They confirmed they received 12 payments of {$56.00} from me. When I called to payoff the loan the payoff amount I was quote was {$440.00}. I only had the loan for approx three months and I was charged over {$1000.00}. When I asked why I was charged so much they said it doesnt matter interest accrued everyday. This is the amount we are legally allowed to charge you. Your payments went towards the interest. It was pointless arguing so I just decided to file a complaint. In addition I never got an email with an attachment on how much my interest is or payoff amount will be. I had to call to get my loan number. No loan documents were given to me at all. Just an email stating I will be getting the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My fees and interest charges are higher than I expected and I was not informed on this interest rate. Ive accrued over thousands in fees, after being a loyal member for 5 years. It's never been this hard to pay off 1 credit card before.

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 2019-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
In early XX/XX/XXXX around XX/XX/2019 I called Wells Fargo and requested my account be closed. I was told by the agent it would be no problem due to the fact that my account balance was not negative & that he would gladly assist me in closing. I was told " Your account has been closed, anything else I can assist you with? '' At that point I was under the assumption that my account was closed. 
On my part, I began switching all my payments to a new account with another bank. 

Wells Fargo, however, continued to make payments and issue fees on the account that was supposed to be closed. 
I was not aware until I was disputing a check and was informed that it was deposited into that Wells Fargo Account. I checked my account on XX/XX/2019 and saw that payments were authorized and I was charged overdraft fees for said payments. In total there are 11 {$35.00} fees. That is an amount I simply can not afford and don't believe I am responsible for. If Wells Fargo had informed me that they could not close my account and I had transactions I would have made sure to have that money in there to avoid those fees. I am out a total of {$380.00} in fees from Wells Fargo. 
I spoke to them several times today XX/XX/2019 and they were unable to give me an answer as to why I was told my account would be closed and was not. 
They said " maybe they didn't close it because you had pending transactions '' but never during the initial request to close my account was I told that it would not be closed. 
I subsequently asked if they could refund the fees because they are not my responsibility. An agent had stated that he closed my account. 
The only option they gave my was to walk into a branch. I live about a XXXX hour drive from the nearest branch and it is not possible for me, especially since they said that does not assure that they will refund the fees. 

The last time I knowingly used my card was on XX/XX/2019 at XXXX XXXX. 
Anything after that was not authorized by me and I was under the assumption that my account was closed. 

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 2019-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I Have called numerous of time to get my student loans lowered and to get my co-signer removed. Navient customer service representatives told my mother and my self that if I make consistent payments for one year  that they would remove her off my account. Secondly I have also tried to qualify for hardship or get my private student loans lowered and they have not offered any alternatives. My payments continue to go up because I did not realize I signed up for a variable interest rate program. Both my interest rate continue to rise one is at 11.750 % interest rate and my second one is at 10.50 %. I have the money debited out of my account every month to qualify for the .25 % saving but my principal account balance has not gone down. With my XXXX XXXX now coming up for payment I can no longer afford these ridiculous high payments. and on one of my loans show that it has been sold and it looks like they have added more interest onto the principle on XX/XX/2018 of {$150.00} with a principle of {$22.00} which totaled {$22000.00}. I feel like i have been misled on trying to remove my co-signer and the interest rates keep going up therefore moving the needle on me every time I get closer to making the payments on the principle. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
One XX/XX/18, I discovered a fraudulent ACH transfer made on XX/XX/18 from my Bank of America Small Business Checking, one day after the amount had posted to my account. On the next business day ( XX/XX/18 ) I called both the bank and the merchant ( XXXX XXXX  ). Bank of America told me to fax in a claim ( which I did immediately ), and XXXX XXXX agreed that the transaction looked fraudulent ( they had no indication or proof that I had requested, initiated, authorized or approved the ACH transfer ). XXXX said I merely had to dispute the charge through my bank, Bank of America, and that they would quickly reverse the ACH transfer ( which had been deposited into their XXXX XXXX   account, on behalf the individual who fraudulently requested the transfer ). For the last two months I've been told that my claim was in review at Bank of America ( many calls to check in on it ). Bank of America then denied my claim, stating that the receiving bank/merchant had declined to reverse the charge. In phone calls with XXXX, they claimed that they would immediately refund the transfer if it was disputed by my bank. However, my bank said it was declined. Bank of America has provided no proof that XXXX and/or the receiving bank had authorization from me for this ACH payment, nor will they even send me documents to prove that they made the dispute. The ACH payment was made to a company I've never heard of and have never done business with.

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 2019-02-05 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: CA

Complaint narrative:
There are inquiries on my consumer report from creditors who have not offered me credit. I DO NOT have a credit card from these creditors. By law, if a creditor checks your consumer report and DO NOT offer you credit, those inquiries are not supposed to be on your consumer report.

15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; There are creditors who DID NOT give me a firm offer of credit. Those creditors did not submit information to Transunion, dictating that I have opened a new account. And I have not personally authorized Transuion to provide any person agency or creditor a copy of my consumer 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 2019-02-05 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: FL

Complaint narrative:
TransUnion Report XXXX/XXXX - XX/XX/XXXX - XXXX, IL XXXX   XXXX XXXX XXXX - XX/XX/XXXX- XXXX  , LA XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX  , LA XXXX XXXX - XX/XX/XXXX - XXXX XXXX , CA XXXX XXXX/XXXX  - XX/XX/XXXX - XXXX/XXXX XXXX XXXX - XX/XX/XXXX - XXXX , OH XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX , UT XXXX  I spoke with customer service and they would not take care of it. Please help me get this resolve.

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 2019-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I paid to put a freeze on my data for all four credit bureaus several years ago prior to the major security breach. The only one I have a problem with is Experian. I am trying to lift my freeze to apply for credit and they won't recognize me to do it online. I have all the data and the pin that they gave me originally. The website is telling me I have to send all my sensitive information, including my original social security card by mail to them at their XXXX Texas location! When I call the phone number puts me through a series of prompts and then disconnects me. Can you help?

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 2019-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
So Im trying to get a loan my credit was atleast in the 600s while I was XXXX and now its dropped tremendously and I dont know how I havent done much but I tried to apply for a loan through navy fed on XXXX and one time for XXXX I guess it affects your credit but my credit is constantly dropping and I have no clue why I havent been late on payments or nothing and need to find out and maybe have some things removed I guess

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: NH

Complaint narrative:
I have attached a copy of the Consumer Financial Protection Bureau order of XX/XX/2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the XX/XX/2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX  and XXXX XXXX respectfully. Since the XX/XX/2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: CA

Complaint narrative:
There is an incorrect address on my credit report. XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX and i have called all 3 credit agencies and two claimed to delete it and sent updated reports and they are still there. None of the agencies want to remove it and their claiming its removed but its still there in four different ways, please help. I need my address to be accurate. My address is XXXX XXXX XXXX XXXX XXXX ca XXXX. My mailing address is XXXX XXXX XXXX XXXX XXXX ca XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX and have been a customer at Chase Bank for the past nine years.My checking number XXXX. Last XX/XX/XXXX, few of my pay checks were stolen from my car. I had, however, deposited all these through remote deposit option via my cellphone. 
The concerned pay check in discussion is check Number XXXX maker XXXX bank for the period XXXX to XXXX which was made by my former employer XXXX XXXX XXXX XXXX XXXX. I made the check deposit using remote option on XXXX via my cellphone. 
In the month of XXXX XX/XX/XXXX, I found that {$1800.00} had been cut from my Chase bank account. After inquiring with Chase bank officials, I learnt that the above mentioned pay check was submitted at a XXXX XXXX branch on XXXX. I tried to speak to XXXX XXXX but chase bank manger they said they could not do anything since I was not their customer. I testify here, as I repeatedly told Chase bank, that I never used or made use of any other party to submit the pay check at XXXX XXXX. 

I called and met in person with Chase bank officials, but my pleas fell to deaf ears. The bank manager nor the customer care helpline were of any use. They kept talking to me as if I am the culprit in this scenario. I have been a loyal customer all these years and have used the pay by cellphone - remote pay check deposit option - all these years. I consider myself to have been cheated by theft and later by non-cooperation by my own bank. One, XXXX XXXX issued the money to the impostor without verifying an ID, because all my ID cards are safe with me. Second, Chase bank cut money from my account without informing me or even bothering to ask me the case at hand. I feel unsafe about my money and consider this a deep threat to the very foundations of our great nation. I am considering closing all accounts with Chase bank, and also i want my money back {$1800.00} as soon as possible. 

I do not think any hard earning person who pays their taxes regularly ought to be treated this way. I appeal to the bank officials to resolve this matter at the earliest. Failing this, I will have to go to higher authorities and legal procedures. It is no longer about the amount of the money anymore, but about self integrity and living peacefully thinking that our money is safe in the countrys banks. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I request a credit limit adjustment to XXXX XXXX dollars to match most of my other credit card accounts from the other banks. My current credit score is XXXX & have been XXXX XXXX for over thirty years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account was opened in XXXX and shouldve been close in XX/XX/XXXX and has still not been removed off of my credit! I demand it be removed off my credit as soon as possible 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
Consumer complaint received 2019-02-05 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:
There is an incorrect address on my credit report. XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX and i have called all 3 credit agencies and two claimed to delete it and sent updated reports and they are still there. None of the agencies want to remove it and their claiming its removed but its still there in four different ways, please help. I need my address to be accurate. My address is XXXX XXXX XXXX XXXX XXXX ca XXXX. My mailing address is XXXX XXXX XXXX XXXX XXXX ca 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