vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
At around XXXX on XX/XX/XXXX, I checked my account balance and it was at - {$.00}. I made a {$10.00} deposit into my account which brought my balance to {$9.00}. By XXXX, my account had been charged a {$34.00} late fee for a {$7.00} charge. When I spoke with the bank, they said the {$7.00} charge was at my account on the XXXX, but that charge was not on my account, nor was it pending on the XXXX. 

The bank has also said their policy is that if your account if overdrawn, if the funds are replaced by XXXX, there will be no fee, but my account did not show that it was overdrawn on the XXXX, so I had no idea there were funds that needed to be replaced. The bank processed the the {$7.00} charge, and their {$34.00} fee at the same time giving me no opportunity to rectify the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
They are making my XXXX the appear new as recent on my report in some of my information is wrong so my address is wrong And they're doing nothing to correct my 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 2019-10-25 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: Innovis
State: UT

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Innovis has been reporting unverifiable and inaccurate information on my credit from XXXX which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
I'm not aware of this debit. I have disputed several times. Also I have requested VALIDATION with no legitimate information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: NC

Complaint narrative:
I am victim of Identity theft and after presentation of law enforcement documents to each of the major credit bureaus the fraudulent accounts were blocked/removed on XX/XX/2019. However, to my dismay the accounts have been placed back on my Experian Credit Report without any acknowledgement of reason or method of further validation ; which is a direct violated of my consumer rights under FCRA 605b and 611.The Accounts that are fraudulent are : XXXX XXXX XXXX XXXX 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 2019-10-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
I have a loan with FAIR COLLECTIONS & OUTSOURCING. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and FAIR COLLECTIONS & OUTSOURCING with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part.

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 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On Thursday XXXX the XXXX I tried purchasing a phone and phone service at a local XXXX XXXX XXXX  store and before I could do so I had to verify my identity for credit purposes. The verification process involved me providing two forms of identification and speaking to an agent on the phone who asked me a few questions to verify my identity. After doing so I was told that the answers I had given didn't match up to the information on my credit history/credit report and therefore I would not be able to complete my purchase with XXXX XXXX XXXX until I could resolve this issue. I do not understand why or how that was even possible but need to know what steps I need to do in order to fix this so that my id verification can be verified and I do not run into this issue 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 2019-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA

Complaint narrative:
Okay so XX/XX/XXXX, I receive a call from " Unknown '' they left a voicemail. It stated that I need to call them or First Virginia could take me to court. So, I'm frantic and I hurry up and call. They stated that I gave the wrong bank account information knowingly back in 2010. And that they were going to take out claims and take me to court for doing so. So I'm like I would never intentionally not have money in my account. I fell on hard times and still is on hard times. XXXX XXXX-She goes well you can pay it off right now with {$320.00} and I will tell First Virginia not to prosecute you. So I'm like there's no way I can even afford that. She said well we can split what you owe in four payments. So I agreed but something just didn't sound right. I've never heard of anything like this in my life. I'm like I didn't commit any type of crime. So I did research and noticed that a lot of people were being threatened like this. My bank advised that I change my credit card number before they charged the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC
State: TN

Complaint narrative:
Greensky services the accounts procurred by XXXX by XXXX of XXXX. 

Three weeks prior to work scheduled XX/XX/XXXX I tried numerous times to contact XXXX by XXXX by phone and email to reschedule work. 

The week of XX/XX/XXXX, XXXX by XXXX did not return my calls or emails. I called Greensky , LLC on Saturday, XXXX XXXX, explaining that because of impending XXXX, I had to adjust date. Greensky advised me to continue to try to contact XXXX by XXXX to have them credit me for the invoice for the work which had not yet been done. 

When I could not reach XXXX by XXXX, Greensky put a block on future payments to XXXX by XXXX. 

The block was put in place by Greensky supervisor XXXX on XX/XX/XXXX. 

XXXX by XXXX finally responded after the block was in place and tried to put me through to their credit manager, XXXX, who did not answer or return my calls. 

The voicemail that I was patched through twice did not identify as XXXX. 

I called XXXX back at Greensky with this update who said she would give XXXX until Monday, XX/XX/XXXX to cancel transaction. 

At XXXX, XX/XX/XXXX, the original salesman, XXXX, called me, but would not provide the remedy suggested by Greensky which was to credit me for the invoice for work not performed. 

Needless to say, I do not have much confidence in XXXX By XXXX which is supported by Greensky. 

It is also distressing to see that this company has over one million complaints documented here

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On my Bank of America Cash Rewards credit card, I noticed two fraudulent charges on my statement. I noticed the first charge on XX/XX/2019 and reported it to Bank of America and thought that was all. But upon further inspection of my bill, I realized there was another fraudulent charge made in the amount of {$350.00} which is not a small amount. I have received a letter from the bank stating that I have won this dispute and that the money would be credited to me. It has been 20 days and there is no sign of the money that I have been promised. This is not a small amount so it is dragging my available credit down. I have called the bank multiple times and spoken to multiple specialists who have told me that they will put in reports and escalate it to no avail. I have had nothing but positive experiences with this banks fraud services except for this one. It has been 20 days and there is no sign of my money. The letter was dated XX/XX/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 monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
XX/XX/2017, I was involved in a car accident. I had XXXX for a auto insurance carrier and XXXX XXXX for my health insurance. The insurance had already met the policy limit with XXXX and they was supposed to be paid with XXXX  XXXX. I provided the health insurance company with the Letter and payment history to let them process the claim. I called XXXX XXXX for a year and half now. I haven't go nowhere. I met my health deductible with XXXX  XXXX so it should been paid in full. Now, I have this PHOENIX FINANCIAL SERVICES LLC that never sent me a bill nor provided me with this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I sent XXXX XXXX XXXX {$2500.00} to assist me with maintaining my home and instead, I lost it and XXXX XXXX XXXX took my money. Nobody ever sent me anything even though it was a giant scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has closed all three of my personal accounts ( 2 checking and 1 savings ) because they said that I had mishandled a previous prepaid checking account/debit account with them about 2 years ago. When they closed my accounts ( I had a total of 4 accounts with them at the time ) they stated that the reason for the closure was due to a check that had been deposited into my prepaid account that did not clear, and so they closed my account due to that reason. I tried to explain to them that it was not due to the check not clearing but rather it was due to me going through a Chapter XXXX Bankruptcy at the time which is what had caused the issue to begin with. Nobody wanted to hear me when I tried to explain to them that this is why the issue happened and not because of a returned deposit item. I have been a long standing customer with Wells for many many years, since 2001, actually, and if this is how they want to treat a long standing good customer like myself who has stood with them through the ups and downs, then I think that is wrong and I hope that they can reconsider keeping my current accounts open with them because I have never tried to mishandle any of my accounts with them since 2001. In fact, because of the bankruptcy, I believe that I should be given a second chance with the bank and not treated like a criminal because of this issue.

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 2019-10-25 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: NC

Complaint narrative:
I am victim of Identity theft and after presentation of law enforcement documents to each of the major credit bureaus the fraudulent accounts were blocked/removed on XX/XX/2019. However, to my dismay the accounts have been placed back on my Transunion Credit Report without any acknowledgement of reason or method of further validation ; which is a direct violated of my consumer rights under FCRA 605b and 611.The Accounts that are fraudulent are : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient Solutions ; In response to complaint ID:XXXX ; Requested legally required documentation supporting the detailed information in amounts owed, etc. for student loan accounts. Was not provided within the timeframe given via direct mail correspondences. Received one letter with nothing requested other than account amounts which is unsatisfactory and required to be provided by law. Violating the Truth In Lending Act and other applicable laws. Thus lawsuit filed. Dismissed without prejudice with intent to resubmit in making corrections as per the judges recommendations. Navient states they have provided " copies '' by mail as well as supposedly resubmitted with the previous CFPB complaint listed above. No attachments provided once again. Nothing actually providing legal proof for Navient to continue with it's illegal activity in maintaining these accounts. Also threatening the consumer with emails regarding credit score decreases for nonpayment while in the process of disputing the accounts with Navient directly. The persons credit was then harmed during this process despite a formal investigation requested into the validity of the student loan accounts, amounts owed, and the legality of their ability to collect money from the consumer. FTC, FDCPA, FCRA violations. Thank you for advice in filing fraud and police reports regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I'm currently experiencing fraud with my checking account for XXXX XXXX. I called immediately and had my account frozen. I called XXXX and XXXX to have a 30-day freeze put in on my credit. My bank of America is linked to my XXXX XXXX card so I called to explain the situation. The customer service representative assured me that I would not endure any late fees/negative credit reporting because the account is already closed and to make my payment once I can access my funds again. I was surprised to see the late payment open for my bank of America account. I called XXXX XXXX to have payments process to bank of America but only some funds could be verified. This is currently an on going nightmare for me.

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 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm currently experiencing fraud with my checking account for XXXX XXXX. I called immediately and had my account frozen. I called experian and XXXX to have a 30-day freeze put in on my credit. My XXXX   XXXX XXXX is linked to my XXXX XXXX card so I called to explain the situation. The customer service representative assured me that I would not endure any late fees/negative credit reporting because the account is already closed and to make my payment once I can access my funds again. I was surprised to see the late payment open for my XXXX XXXX XXXX account. I called XXXX XXXX to have payments process to XXXX  XXXX XXXX but only some funds could be verified. This is currently an on going nightmare for me.

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 2019-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
No answer couldn't reach customer service. Loan was paid in full for 3-4 days then no log-in access for 3weeks then loan payment was returned ny balance was short {$60.00} plus the returned {$500.00} payment was missing. There is also {$180.00} in savings

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I requested a " re-investigation '' into the information reported to Chexsystems by XXXX XXXX only to receive a letter back from Chexsystems saying that the date of bankruptcy filing was prior to the date of the information being reported, and that if I wanted to further dispute the information, to submit further documentation such as a list of creditors indicating that the specific account had been included in my bankruptcy. This just happened to be the exact same document that I submitted in my original dispute request to them, so they knew going in to the the dispute that the account was included in bankruptcy, chose to ignore my dispute, continue to create roadblocks, and report erroneous information. I then attempted to contact them to discuss the response letter and was informed that only one person in the entire company can speak with me regarding my file after providing them my consumer ID XXXX, and that I would have to wait for a call back, which of course took 6 hours, and I missed because I was at work, so who knows if and when I would ever be able to speak with " 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 2019-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Saw it on credit report i have been a victim of natural disaster on very liw income

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Looking on my account information I realized I could pay off one of my smaller older student loans totaling {$640.00}. I paid the whole loan online. I went back on my account after getting an email saying my payment was posted. The loan balance now reads that I owe a bit over {$500.00} when it should show a balance of {$0.00}. This is not the first time this issue has come up. The difference is that I am not XXXX anymore and have a handle of my finances enough to note that my payments are not being received as they should. I have made payments on other loans that should have paid the total balance, which did not result in a XXXX  balance due. This is not okay. It is not being resolved. I should not have to pay more to this company than I already have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
I requested validation not verification on account number XXXX. I have received a response that clearly violates my rights according to HIPPA. ARS Resolution Collection Agency. Didn't not provide me a HIPPA release that release my medical information to them. Therefore by providing such information they are in violation of my HIPAA rights. I urge you to take this extremely seriously i will seek every legal remedy available to me. And file suit against the the credit bureaus who's also responsible for reporting bad information which is a Violations. As i have documented my case without any errors I encourage a response from you expeditiously

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