vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-22 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: FL

Complaint narrative:
I had my credit frozen with the three credit reporting agencies a couple of years back. Now I have to refinance my auto loan so I call the credit freeze departments of transunion and XXXX, supplied the necessary security info and temporarily unfroze my credit. When I call Experian and started giving them the same info I have given the other two credit agencies Experian started gving me problems on ( XX/XX/19 ) Than the cust rep told me togo on lline and input my personal info, I did, and Experian refuses to give me my pin so that I can temporarily unlock my credit report. Their web page is nopw telling me that I have to send them a copy of my social security card and other pertinent info. All of this unecesary process its going to take about a month. Process that if Experian would have develop anefficient system like XXXX and XXXX this would not be happening.I need to refinance my loan ASAP and Experian is negligently and incompetently not letting me do. After Experian problem on the internet I tried to call customer service and they are not picking up the phone.

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 2019-05-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Re : Home Depot Account ( Citi Bank ) I have an XX/XX/2019 statement with a balance of {$94.00}, minimum payment due is {$25.00} by XX/XX/2019. 

I made my payment ( in full, {$94.00} ) on XX/XX/2019 and the payment was processed on XX/XX/2019 by my XXXX XXXX checking account. I have bank proof that the payment was processed, yet Home Depot ( Citi Bank ) still shows that I have not made my payment. 

Please contact them as I am not going to receive a late payment from this absolute corrupt credit card organization. 

Please ensure that this payment is posted on the correct date and my account does not show as late. 

Thank you. 

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 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Accounts on my file are unidentified and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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 — Card was charged for something you did not purchase with the card
Company: Comerica
State: VA

Complaint narrative:
It's supposed to take me 10 days to get a credit of provisional credit I haven't gotten a provisional credit and they trying to make me wait 16 days and I've been with direct express since 2011 and I have to pay bills and I don't have money to pay bills or eat

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This is not my debt, this is my father 's. I disputed this last and it was taken off but this year its was declined. Please stop putting this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
On the afternoon of XX/XX/19, I attempted to transfer {$300.00} through the Zelle Money Transfer service. The funds were to be sent were to be withdrawn from XXXX XXXX XXXX. When attempting to submit the transfer to a third party recipient, I received an error message from Zelle that transaction failed and that I could try again to submit the transaction. In the past, I had received this same error message and was able to complete the transfer. Due to my past experience with this type of failed transaction, I attempted 3 additional times within a span of 2 hours. 

I never received a notification from Zelle that any of the transaction ( s ) were successful. The next morning when I went into my online bank account application there were 4 transaction of {$300.00} each that had been deducted from my bank account. I then checked with the 3rd party intended recipient and they had not received any of the funds or had received a notification from Zelle that there was a pending deposit ready for them. 

I attempted to Contact Zelle on XX/XX/19 and was only given computer automated responses. However, after many attempts over several days I was informed that the Zelle company was only a transfer service and that the transaction is actually bank to bank transfers. On one of the calls to Zelle, XXXX verified that all 4 transactions failed. Zelle said that if money was not accepted it would be returned to the sending bank after 14 calendar days. 

During the same timeframe I had been attempting to contact Zelle, I was in contact with an associate, XXXX from XXXX XXXX XXXX XXXX Branch to see what could be done from their side. Assuming the worst and worrying that there was some sort of fraudulent activity being done through Zelle, the bank destroyed the debit card and provided me with a new debit card. I was instructed to fill out a formal dispute to determine the error and the disputed POS transactions. It was determined that there was no error on their part and since I admittedly authorized the transaction with Zelle. However, when authorizing the transactions with Zelle, I was under the assumption that no money was being removed from my account when the transactions had failed each time. 

It seems that neither party wants to assume any responsibility for this issue as they are both pointing fingers at each other. In the meantime I am wondering where this {$1200.00} is and why it has not been returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX I received an advertisement via email that new Chase customers could get {$300.00} for opening a new Chase Total Checking account with the set up direct deposit, and an additional {$200.00} for new Chase savings customers who open a Chase Savings account, and deposit a total of {$15000.00} or more in new money within 20 business days, and maintain a {$15000.00} balance for 90 days. I careful read all of the disclosures and was sure to follow all steps correctly to be eligible for both offers to receive the combined {$500.00} offer. I opened my accounts online on Chase 's website on XX/XX/XXXX. To date ( XX/XX/XXXX ) I still have not received either offer, despite numerous attempts to work with Chase employees to resolve this. ( On XX/XX/XXXX I deposited {$20000.00} into the savings account, well within the 20 business days of account opening. ) When I contacted Chase at the  end of XXXX to discuss my concern. I called the customer service line and spoke with a supervisor. He informed me there was nothing he could do without the coupon code. I explained I do not have the coupon code ( at the time ) and the call ended. I later found the coupon code and called back. During this call a lady informed me that regardless of having the coupon code there was nothing that could be done to investigate/resolve this. She then told me the reason I did not receive the bonus offers for opening either account is because I did not enter the coupon code at the time I opened the account online. That was the only reason I did not receive the bonus amounts. 

During the online account opening process Chase 's website stated " If you open the account online, your coupon code will be automatically applied ''. Furthermore, the email I received ( will be attached for reference ) specifically states, " Your coupon code will be automatically applied. Account ( s ) subject to approval. '' As a result, two sources confirmed that the coupon code would be automatically applied, therefore I don't recall entering the coupon, because it was being added automatically for me. 

I am very frustrated with my Chase experience and the lack of payment of these bonus offers I rightfully earned. After phone customer service supervisors told me there was nothing they could do I contacted local branch management. They advised me to contact the phone customer service and said they could not help me. I am very upset about this entire experience. I want to be compensated {$500.00} to cover the {$200.00} and {$300.00} offers I should have earned. I followed all of the terms and disclosures correctly. Please investigate this matter and contact me back. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: WA

Complaint narrative:
Calling me constantly all day. Some days 6-9 times a day. If feel this is harassment due to all the phone calls

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 2019-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: IL

Complaint narrative:
The collection company, Southern Management System, is saying that I owe them an amount of {$3600.00}. I have no knowledge of this account. I asked them to validate this amount and I have not been provided with evidence nor a detailed explanation stating the reason behind this amount. Ive disputed this amount directly to the collection company two times in 2018, once XX/XX/XXXX and the second time on XX/XX/XXXX. According to the Fair Debt Collection Practices Act, Section 808 : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law is a violation of this section. Any collection fees or interest that have been added by Southern Management System is unlawful and they should not be reporting this amount to my credit this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX. 

The account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
XX/XX/XXXX Transferring {$1500.00} from XXXX, TX to XXXX, XXXX, XXXX. 
Transaction started from XXXX XXXX # XX/XX/XXXX, XXXX XXXX XXXX, XXXX, TX was blocked ( got phone message ). 
Called XXXX number from WU message, operator cancelled transaction without any additional information. Got reference to Terms And Conditions on WU website. Did not find any information on why my transaction was cancelled

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
my thought process at the time was that the bill would go to collections and I would have time to take care of the bill when I can actually afford it ). the bill was sent to collections ( XX/XX/15 ) I was called multiple times but since I could not afford it I never answered. I was called a year later ( don't know the specific date ) from a debt collector asking to receive payment ( at that time I had a part-time job and was willing to work with them on a payment plan to pay the bill ). I asked for proof of the bill since it was the first of me hearing that I had a bill under that company. I wanted to be sure that the bill wasn't sold off to another company ( since they didn't contact me for about a year ) so that I could avoid paying two separate bills from two different collection agencies. The caller then proceeded to forcefully ask me to pay for the bill without providing me proof that the bill came from the company handling my doctor 's bill. He then hung up and never received any other notice from that collector 's agency to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have no knowledge of the accounts and inquiries on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion continues to display inaccurate information on my credit report. specifically stating my employer is XXXX XXXX. I have disputed this information multiple times. Every time Transunion comes back with some bogus excuse. This time they said that my dispute was illegible. How can it be illegible when it was typed. A copy has been attached to this complaint. Also a copy of the bogus letter the sent me is attached.

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 2019-05-22 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: CA

Complaint narrative:
In XX/XX/2019 I submitted the necessary documentation for renewal of my IBR. On XX/XX/2019 Navient sent me a letter stating it's approved and that my new payments plan will be sent to me after XX/XX/2019. ( See attached ) However, Navient has not sent me this new payment plan. 

Please have Navient send me the new payment plan as they are required to do under Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have no knowledge of the accounts and inquiries on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have no knowledge of the accounts and inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hello, I was inquiring about any accounts that may be open in my name and SSN # My name is XXXX XXXX and my ssn is XXXX. I'm also inquiring about my son 's name " XXXX XXXX SSN # XXXX and my daughter. XXXX XXXX # XXXX. I believe the account have been open fraudulently by a close relative without my knowledge. if there are any account open under our name can you please close them immediately and send any remaining balances and final statement to the address above. Thanks for your time!!!

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 2019-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been paying on my student loans for 5 years now. After several forbearances ( recommended from Navient ), I started making payments of ~ {$260.00} per month. 

I recently went to pay my remaining balance in full ( ~ $ XXXX ) and thought I was done with my student loans. I also recently obtained a XXXX XXXX credit card that provides a free credit monitoring service and noticed an additional ~ $ 30K that was delinquent. I called Navient to ensure that the XXXX was all that I owed, and they assured me. 

I called the Department of Education line ( who was very helpful ) who discovered they sent accounts I was still paying on into debt collections. I need a resolution!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: GA

Complaint narrative:
It is requested that all credit reporting bureaus be contacted and informed to remove said collection XXXX College or any other fraudulent reporting from XXXX College from my credit reports. XXXX XXXX XXXX fraudulently reported that they are the original creditors on my loan account. This is false reporting ( FRAUD ), I never went to XXXX College, nor did I take out a loan from an XXXX College. 

According to the credit bureau 's reporting on my account, my score has been harmed over the last couple of years with my credit score dropping 44 points at one time in some instances. This has affected my credit rating and my ability to apply for credit, loans, and personal accounts. 

An account executive called from XXXX XXXX XXXX and implied that this loan was tied to a loan from XXXX College. My loans are in excellent standings, and XXXX College was closed due to fraudulent practices by the United States Attorney General XXXX XXXX office. Federal loan relief forgave private debt owed by students of XXXX College. 

Also see USA.GOV for further information on the fraudulent activities by XXXX XXXX and XXXX College. 

I am asking that each credit bureau be contacted and the information supplied and attached be investigated against XXXX XXXX XXXX who continues to open fraudulent accounts against me harming my credit profile and character. A Cease and Desist letter that is also attached was sent to XXXX XXXX XXXX requesting them to start reporing fraudulent activity on my account. If XXXX XXXX XXXX continues to falsely report on my account causing me further harm, I am asking the Financial Protection Bureau to assist with the law suit that will be filed against XXXX XXXX XXXX per " CONSUMER LAW. '' I am requesting that all three credit bureau 's stop reporting this fraudulent information and restore my credit score back to its original standing from all credit reporting bureau 's. Forty Four points or more have been unduly deducted from my credit score and I am requesting it be reinstated. 

Please see all documents attached! 

Thank you for your assistance in this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I opened a promotional checking account with HSBC in XX/XX/2018.. after meeting the requirements on the promotion website. HSBC is yet to pay me my bonus of {$200.00}. 
I spoke to three differents customer service but none of them are helpful and they keep telling me different things. 
I think HSBC promotional checking account being advertised is a scam because my bonus was not credited which forced me to close down the account, coupled with customer agent 's not doing their job well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-22 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: FL

Complaint narrative:
i am a identity theft victim. i have aquired a police report and a id theft report as well. 

inaccurate items as follows XXXX XXXX balance {$6600.00} this account was open by someone else chapter XXXX bankruptcy reported XXXX XXXX not my account. 
XXXX XXXX {$260.00}. not my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 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: FL

Complaint narrative:
i am a identity theft victim. i have aquired a police report and a id theft report as well. 

inaccurate items as follows XXXX XXXX balance {$6600.00} this account was open by someone else chapter XXXX bankruptcy reported XX/XX/2013. not my account. 
XXXX XXXX {$260.00}. not my account

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