vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 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: CA

Complaint narrative:
The reason for my writing is to inform you that this company is being unreasonable and not adhering to the law. I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX  XXXX  ACC # XXXX, Opened Date XX/XX/XXXX, Original Creditor XXXX XXXX XXXX XXXX XXXX , High Balance {$1500.00}. 2. XXXX XXXX XXXX, ACC # XXXX, Original Creditor XXXX XXXX , Opened Date XX/XX/XXXX, Balance {$190.00}. I am attaching the dispute letter/documents I sent to this company on the XX/XX/XXXX and my FTC report, in case they need to reference or review.

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 2019-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My USAA ATM/ debit card was canceled due to a mass re-issuing done by the company ( USAA ). I  recieved no texts or phone calls warning me that my card would be canceled. The newly re-issued card was lost in the mail but USAA canceled my current ATM/ debit card without telling me. I now have no way to access my funds and will be without money until approximately Tuesday, when the new card is supposed to get to me according to the customer service representative. USAA has shown very little concern for my issue or my general well-being considering I rely on this ATM/ debit card to make everyday purchases. 

Please note that my old card was fine. It wasnt expired, lost or stolen. The mass re-issue was initiated by the company and the old cards were all canceled without warning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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:
My credit report should be blank because I have never used my information to obtain any credit whatsoever. I found a medical debt from XXXX XXXX on my credit for {$80.00} which I do not know anything about. I disputed it with the credit bureaus but the fraudulent debt is still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: NM

Complaint narrative:
EOS CCA- XXXX is reporting on my credit report without every notifying me of this debt. They posted it to my credit and when I saw it I contacted them immediately. 
I didn't even owe the debt because the item was returned! 
I would have disputed it if I had received notification. 
I don't see how they can just put whatever on your credit without contacting you. 
My attorney will be the next contact as he advised me EOS violation. 
I served our country and this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: NC

Complaint narrative:
Experian do not clearly state the results of my credit report dispute. Instead, they only give information that implies that the disputed account still negatively affects my account, and they state that I will have to pay for reports and fraud protection in order to see the results of their inquiry. 

Experian dispute number XXXX submitted XXXX XX/XX/2019. Reported as resolved on XXXX XX/XX/2019 via email.

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 2019-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
This has been going on for about 20 years, my name was forged on a document and they keep telling me I have to file a forbearance ... I have never heard of this college, I am XXXX and would never take out this kind of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
ive attached more detailed information on my concerns but I will briefly state some of them now 1. bofa has been stealing money from my account all the way back in XX/XX/2012. 
2.they took multiple house payments between the time line XXXX to XX/XX/2108 3.they reverse temp credits on false information stating that I gave them this informaton. 
4. Ive included that I demand documentations that they use to verify it is you 5 talk to u later E

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 2019-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
First of all our mortgage and our home equity loan is with Wells Fargo. 
.We purchased our Condo In XX/XX/XXXX the lender Wells Fargo gave us a mortgage and home equity loan right up front, our Realtors didn't tell us this was not good to do. Our purchase price was {$170000.00}. 
.Several years later the guy who owned the XXXX XXXX . walked away and they ended up having to Auction off about 1/2 or more of the remaining condos, they sold for about {$80000.00}. 
.So at the present we are under water our house is not worth what we paid for it, it is accessed at {$83000.00}. 
.My husband has been on XXXX for about 6 years, and gets a very small pension and I am going to retire this coming XX/XX/XXXX. 
.The Home Equity loan has an interest rate of 11.250 % and our mortgage is 6.75 %. The home equity is killing us it never seems to go down. 
.With my husband on XXXX and me retiring in XX/XX/XXXX I am not sure we will be able to make the {$1000.00} on the mortgage and the {$360.00} payment on the Home Equity. Our money will be less coming in at the time I retire. 
.We went to Wells Fargo several months ago and asked to refinance and they said there was nothing they could do for us. Because our house wasn't worth what we paid for it. 
.At that time they never told us about a modification which a person from another bank said they should have maybe suggested. 
We don't have a clue what to do, but we went to the XXXX XXXX XXXX bank that we use and they gave us your name to contact in order to see what we could get done with this loan. We really can't afford to lose our home but have a feeling if we don't get help that may happen in the near future.

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 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was trying to sign up for Experian 's credit report but I was unable to do so. Their system reported that my registration could not be completed and told me to contact customer support. I contacted customer support and was told that Experian does not have my credit report 's hard copy. I called Experian customer support daily for about a week and was able to eventually reach an supervisor. The supervisor tried to look up my information but was not able to. She told me that she sent in an internal form that I needed to wait for 3 to 5 business days for them to resolve my issue. I waited 5 business days and called Experian again but I was told that my credit report was still not found. Another customer support supervisor told me to wait another 3 to 5 business days for them to resolve my issue. I waited another 5 business days and called them again. This time, yet another different Experian customer support supervisor told me that they still do not have my credit report and they don't have a time frame on when my issue will be resolved. I asked for other forms of help and they could not provide anything. I have spent a total time of about a month to get Experian to locate my credit report but they still can not do it. Because I can not get any help from Experian, I'm submitting a CFPB complain to get my issue resolve.

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 2019-03-21 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: Carter-Young, Inc.
State: GA

Complaint narrative:
My credit report should be blank because I have never used my information to obtain any credit whatsoever. I found a medical debt from Carter-Young INC on my credit for {$80.00} which I do not know anything about. I disputed it with the credit bureaus but the fraudulent debt is still on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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:
Hi, my name is XXXX XXXX XXXX XXXX and I started disputing a bankruptcy on my credit report from Experian XX/XX/XXXX. It is erroneous and inaccurate and should be deleted from my credit report immediately because it is stopping me from getting credit. I wrote them asking them in the first letter according to the FCRA section 609 how did they verify this bankruptcy and they sent me an updated copy of my credit report saying it's been verified. I sent another letter on XX/XX/XXXX according to the FCRA section 611 asking them how did they validate this bankruptcy and they said through a 3rd party XXXX. I have proof that they did not do a full investigation on my report because I pulled my XXXX report and in the bankruptcy section it says No Records Found. And I got a letter from the courthouse saying they don't give any information to reporting agencies, so how is Experian reporting this bankruptcy. I uploaded all the proof I have can you please help me get this inaccurate bankruptcy off my credit report. 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 2019-03-21 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: GA

Complaint narrative:
XXXX/XXXX has continued to report an account which I previously held with them as a derogatory account to the various consumer credit reporting companies. I have disputed the status of the account with the Credit Reporting Agencies, as well as directly with XXXX/XXXX without success. XXXX contends and reports that the account was included in a bankruptcy filing, thus reporting the account as a negative or derogatory mark/tradeline on my consumer credit reports, however this is in fact, untrue. The account that I held with XXXX  was in good standing and maintained a XXXX balance from the date that it was opened until the date it was closed by the creditor. The account was not discharged or even included in the Chapter XXXX Bankruptcy I filed as there was never any debt to discharge. As I have previously disputed this account with the Credit Reporting Agencies, some of them have deemed any further disputes erroneously as frivolous due to XXXX  's insistence that they are accurately reporting, therefore precluding me from any further disputes of that information. The account was closed by XXXX  unilaterally and should be reported solely as closed by grantor, without any negative remarks or connotations that cause it to be classified as a derogatory account which can negatively impact my credit score.

This account is specifically reported on my XXXX  and Experian reports.

Experian shows it inaccurately as included in Bankruptcy ( negative ) last updated in 2014. Even after a dispute with both the CRA and the creditor, even though they report it as never having a balance.

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 2019-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX we paid off our Capital One Card in full. {$14000.00}. On XX/XX/XXXX we received an email that indicated we owed {$180.00}. My wife called today XX/XX/XXXX and spoke to XXXX and she said that was interest from time statement came out until day it was paid off. The Statement date was XX/XX/XXXX due on XX/XX/XXXX. The reference # for the call wasXX/XX/XXXX. Since my wife was not primary cardholder she was not able to assist so she recommend me, husband, to call back. I called back this evening, XX/XX/XXXX and spoke with XXXX, operator # XXXX. She was unwilling to refund interest due to automated system response. We have been Capital One Cardholders since XX/XX/XXXX and never missed a payment. We are disappointed and are asking for interest ( {$180.00} ) to be waived in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank Ultimate Rewards Program Flight Cancel - XXXX : XXXX - Case ID : [ XXXX : XXXX ] I booked a flight with Ultimate rewards website from XXXX to XXXX Roundtrip Their website has glitches in it and changed the passenger infromation form a profile that was already preset in their website database. 
I clicked XXXX XXXX Profile and it populates her information as it is saved from previous flights. When I tried to change the contact phone # it reverted the passenger back to my name. I did this over 5 times and seemed I was successful in changing the contact info because I needed the updates sent to me. 
The website changed the passenger from XXXX to XXXX ( myself ) without my knowledge. 
Chase refuses to return XXXX points to my account. I believe this to be a form a fraud to diminish your points. 
Please address this problem Below is the return email sent from JP Morgan Chase. 
Just a statement of a technical team with one line in which is in denial of all of the problems with their booking site. 
1. XXXX was selected from the saved database 2. I live in XXXX XXXX and booked the flight from XXXX to XXXX  and back for XXXX 3. Common sense alone shows that I would not have put my name as the passenger 4. If you go to the website I can actually recreate the problems incurred XXXX XXXX XXXX ( 3 hours ago ) to me RE : XXXX Dear XXXX XXXX , Thank you for taking the time to advise us of the situation you encountered with your Air reservation booked through Chase Travel. Our priority is to offer complete and accurate information as well as superior customer service at all times. 

After review of your file, we have determined that we can not provide the requested compensation. During the time of booking the technical team informed us that you inputted your name and the phone number. As a result we are concluding this as not a technical error. Therefore, we will be closing your case as there is no further action needed. 

Please accept our apologies for any inconvenience. You are a valued customer and we look forward to future opportunities to serve you. Should you need further assistance, please do not hesitate to contact us at XXXX. Were available 24 hours a day, 7 days a week. 

Sincerely, XXXX XXXX Travel Consultant Supervisor Chase Travel XXXX  JP Morgan Chase & Co. 

Contact Us Chase Privacy Operations XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX//2019 there was a concert that i wanted to attend so i went on XXXX to try and look for some tickets, some last minute deals, so i found this one that seemed alright. I contacted the seller through text and we started to just talk about the tickets, like what section, and stuff like that. I was ready to buy but before i sent any money i had him/her send me proof of their purchase or a order conformation number, which they did and they were bought through XXXX. i called XXXX   to make sure that conformation number was real and he said that those were indeed theirs, so i felt alright. The seller then wanted me to send money through XXXX  which my bank uses so i felt even better because i thought if anything goes wrong i can just get my money back. I sent them the money for the tickets, exactly {$120.00} for 2 Tickets, he/her was taking a little long to reply to my texts so i got worried. eventually he texted back and sent he sent the tickets to check my email, so i checked and the tickets were there and i felt relieved, i thanked them so much for it, they probably just laughed off how they just tricked me, anyways i get to the venue and i go to open my email for my tickets and i have an email from XXXX saying that the tickets that were transferred to me were not valid that the buyer bought them fraudulently and that the original order was cancelled, honestly i was mad and felt XXXX plus i invited my friend as a surprise and that was embarrassing. i tried calling and texting the buyer but i guess they blocked my number. i called my bank ( fifth third ) and they said they couldnt do nothing about it because its a 3rd party transfer, but yet they still use them and XXXX cant do nothing about it either because they dont offer fraud protection which i didnt know until now. so now i dont know what to do, in my situation that XXXX  hurts i sacrificed it to be able to go to this concert but yeah its not cool.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I received a notification from XXXX/XXXX on XX/XX/XXXX indicating that a new account had been reported on my credit. 

Diversified Consultants Inc reported both derogatory accounts and did not send a written notification. This action violates the Fair Credit Reporting Act [ 15 U.S.C. 1681 ] and the Federal Validation Notice [ 15 U.S. Code 1692 ]. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. 

Therefore I have submitted this complaint for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: KS

Complaint narrative:
This bank closed my account and has almost {$2300.00} of my money plus some other funds. They called randomly and said Im banned from the bank but I have not even been to their location. This is unjust.

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