vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was in desperate need of additional funding to sustain my quality and standard of life that I've always had which was when I chose to go to Wells Fargo, my personal bank that holds my checking account and was granted XXXX on a private student loan with variable or fixed interest on them. I chose fixed and then the semester to follow I decided I needed a second one where I was granted another {$8000.00} so XXXX dollars in two semesters. Interestingly enough on the second loan I chose variable interests and notably the adverse choice I made when deciding on the interest variable on the first loan. This alone exhibits a general lack of knowledge and understanding though I asked the questions the banker failed to properly inform me of what these actually meant as far as APR rates, percentages, how this could positively or. negatively hurt me when it comes time for repayment or anything clear of that nature. I struggled with a lack of knowledge and understanding because the teller failed to answer my persistent and notably reasonable questions someone taking out their first loan may have the banker assisting in the process.

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 2019-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I signed for an American Express Blue Cash Everyday Preferred credit card last year. The card was supposed to waive the first year of annual fee. In XX/XX/2019, I called customer service of AMEX inquiring about the exact time of incoming annual fee for the second year. I was told my annual fee will not be charged until XX/XX/2019. However, my credit card was charged a so-called " prorated '' annual fee on XX/XX/XXXX without any explanations. In the XX/XX/XXXX phone call, I specifically asked when my credit card would be charged the annual fee and the customer just stated the annual fee would be charged in XX/XX/XXXXwithout disclosing the " prorated '' annual fee. I called the customer service again trying to resolve the issue. The customer service said she was going to dispute the charge without guarantee of canceling the charge. By the time I am writing this complaint, 144 hours has passed without a respond from American Express. 
I strongly protest such deceitful business practice and therefore file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We ordered a chair from " XXXX '' ( by Chase debit card on XX/XX/2018, {$360.00} was charged to our Chase checking account ), but it took so long, so that we cancelled it. And the chair arrived on XX/XX/2018 and we refused and returned it and it arrived at the XXXX XXXX XXXX site on XX/XX/2018. The XXXX tracking number is XXXX. 
XXXX customer service is almost impossible to connect and we couldn't get the refund, so we claimed a dispute through Chase ( Chase claim # XXXX, # XXXX ). Chase finally denied our claim even though we provided a proof of return of the merchandise. They say within 30 or 60 days we couldn't provide it. I don't understand why how many days are important. The XXXX got the chair back, but I didn't get my money back!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Not sure who used me name but these 4 accounts been opened in my name without my consent and/ or authorization. I have no knowledge of these accounts and now I'm demanding the credit reporting agencies to remove them immediately. The accounts are, XXXX XXXX XXXX {$91.00}, {$78.00}, {$300.00}, and XXXX XXXX {$720.00}. Please remove the unauthorized accounts.

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 2019-04-21 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: MO

Complaint narrative:
Not sure who used me name but these 4 accounts been opened in my name without my consent and/ or authorization. I have no knowledge of these accounts and now I'm demanding the credit reporting agencies to remove them immediately. The accounts are, XXXX XXXX XXXX {$91.00}, {$78.00}, {$300.00}, and XXXX XXXX {$720.00}. Please remove the unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My identity has been compromised and the aftermath of this tragedy is that I'm suffering from accounts being reported inwhich I do not have any contract with nor any other knowledge of. I'm asking for the three major credit bureaus to remove these unauthorized fraudulent accounts. ( 1 ) XXXX XXXX XXXX {$17000.00}, {$16000.00}, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$270.00} I'm demanding that these accounts be blocked from 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 2019-04-21 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: MO

Complaint narrative:
My identity has been compromised and the aftermath of this tragedy is that I'm suffering from accounts being reported inwhich I do not have any contract with nor any other knowledge of. I'm asking for the three major credit bureaus to remove these unauthorized fraudulent accounts. ( 1 ) XXXX XXXX XXXX {$17000.00}, {$16000.00}, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$270.00} I'm demanding that these accounts be blocked from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-21 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My identity has been compromised and the aftermath of this tragedy is that I'm suffering from accounts being reported inwhich I do not have any contract with nor any other knowledge of. I'm asking for the three major credit bureaus to remove these unauthorized fraudulent accounts. ( 1 ) XXXX XXXX XXXX {$17000.00}, {$16000.00}, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$270.00} I'm demanding that these accounts be blocked from 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 2019-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I've recently disputed these accounts but the major credit bureaus did not take proper action. Nor did the 3 major credit bureaus provide me with any signed physical documentation that will support their reporting as oppose to an electronic Verification inwhich will appear as though the accounts are mines but they are not and until you provide me with physical documentation along with the Method Of Verification, then this accounts shall be blocked immediately and this is my rights as a consumer. Please remove these accounts immediately, [ 1 ] XXXX XXXX XXXX, [ 2 ] XXXX XXXX XXXX {$470.00}, [ 3 ] 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 2019-04-21 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: MO

Complaint narrative:
I've recently disputed these accounts but the major credit bureaus did not take proper action. Nor did the 3 major credit bureaus provide me with any signed physical documentation that will support their reporting as oppose to an electronic Verification inwhich will appear as though the accounts are mines but they are not and until you provide me with physical documentation along with the Method Of Verification, then this accounts shall be blocked immediately and this is my rights as a consumer. Please remove these accounts immediately, [ 1 ] XXXX XXXX XXXX, [ 2 ] XXXX XXXX XXXX {$470.00}, [ 3 ] XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
Money was transferred through www.TransferWise.com to a bank account that belongs to a fraud/scam. 
XXXX Euros on XX/XX/XXXX XXXX Euros on XXXX XX/XX/2019 XXXX Euros on XXXX XX/XX/2019 XXXX Euros on XXXX XX/XX/2019 The fraud 's bank information : Name : XXXX.XXXX.XXXX.XXXX.XXXX Address, : XXXX XXXX XXXX : XXXX XXXX XXXX..XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX Address : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Swiftcode : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent a letter to XXXX XXXX back in XX/XX/XXXX, requesting a validation of the debt owed, with no response. This company also pulled my credit report on more than one occasion in XX/XX/XXXX, without permission as this account had been closed back in XX/XX/XXXX. This company has not provided any requested documentation. Yet has reported things on my credit report, that are inaccurate that has damaged my credit report. 

The same request for validation of debt has also been sent to XXXX  and TransUnion, more than once in XX/XX/XXXX & XX/XX/XXXX with no success of getting the requested validation of the debt as being accurate.

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 2019-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent a letter to XXXX XXXX back in XXXX, requesting a validation of the debt owed, with no response. This company also pulled my credit report on more than one occasion in XXXX, without permission as this account had been closed back in XXXX. This company has not provided any requested documentation. Yet has reported things on my credit report, that are inaccurate that has damaged my credit report. 

The same request for validation of debt has also been sent to Equifax and XXXX, more than once in XXXX & XXXX with no success of getting the requested validation of the debt as being accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Overland Bond & Investment Corporation
State: OH

Complaint narrative:
I sent a letter to Overland Bond back in XXXX, requesting a validation of the debt owed, with no response. This company also pulled my credit report on more than one occasion in XXXX, without permission as this account had been closed back in XXXX. This company has not provided any requested documentation. Yet has reported things on my credit report, that are inaccurate that has damaged my credit report. 

The same request for validation of debt has also been sent to XXXX   and XXXX, more than once in XXXX & XXXX with no success of getting the requested validation of the debt as being accurate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America has been silently charging me a {$12.00} maintenance fee in my savings account since XX/XX/XXXX ( for a total of {$190.00} over the course of 16 months ), even though my " minimum daily balance '' was above the necessary {$1500.00}. The only time it dropped below {$1500.00} was in XX/XX/XXXX, and this drop below {$1500.00} was due to yet another maintenance fee. Note : to see this personal fee schedule for my account within the Bank of America online banking area, I sign in ... click on the affected savings account, navigate to " Information and Services '' then click on the link that says " view fee schedule. '' When I do this, a pdf called " personal fee schedule '' comes up on my computer. Then within this document, on page 4, the pdf clearly says that to avoid the {$12.00} maintenance fee, you can maintain a minimum daily balance of {$1500.00} in your account. WHICH I HAVE ALWAYS DONE. When I called to complain, they told me I needed to get my balance up above {$2500.00}! ( Even though my personal statement of fees CLEARLY says $ XXXX.So, I did this reluctantly ... and yet STILL they took out another {$12.00} fee in XX/XX/XXXX. I am so frustrated and feel so swindled. I want to close my account with Bank of America but am waiting ... in case you need me to keep it open to investigate this.

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 2019-04-21 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 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Senex Services Corp.
State: IN

Complaint narrative:
I ask that the cfpb please help me to get the credit reporting agency. 
1, XXXX to please do what the FCRA and the FEDERAL LAW DEMANDS on section 609 ,1, a,1, of the FCRA where the reporting agency has to provide my origional signature on the consumer contract with in 30 days or be deleted from my report. I have tried to call Senex the creditor and they can not verify that this debt is mine by the signature and I submitted a formal dispute with XXXX and they came back with accurate but failed to provide me with any signature as the FCRA 609 demands and not suggests.

the report number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX {$5500.00} XX/XX/17 This account is not mines my information was compromised this negative account is reflecting on credit reporting agency Experian

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 2019-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I prepaid approx 52 % or {$200000.00} toward a balance of {$370000.00} with Ditech. The {$370000.00} was shown on the statement from Ditech dated XX/XX/2019. I mailed one check for {$200000.00} as prepaid principal on or about XX/XX/2019. It finally credited in 2 parts,  {$50000.00} on XX/XX/2019 and then {$150000.00} on XX/XX/2019. The loan is an annual adjustable with the rate adjusting with the XXXX payment each year. A Ditech representative advised me to ask for a loan modification which would translate into a reduced payment going forward. Loan modification docs were sent from Ditech to me by XXXX. They required a signature from me, 2 witnesses and a notary. This was all done one XX/XX/2019 at my attorney 's office and copies sent back to Ditech in the enclosed return envelope by way of XXXX. My attorney retaining copies of all. It was signed for by XXXX XXXX at Ditech on XX/XX/2019 at XXXX XXXX. Tracking # XXXX in XXXX, FL. The 11 payments prior to the principal reduction had been {$2400.00}. After the modification the 12th payment which was for XX/XX/2019 payment dropped to {$1100.00}. This seemed fine. Then the statement arrived dated XX/XX/2019 showing a balance of {$170000.00}. This seems fine. However on the following statement dated XX/XX/2019 the required payment is showing as {$2500.00}. This is way, way off it should be about {$1200.00} on a 19 year amortization which is the time period left in the contract. I have made 8 contacts with Ditech over the past month plus. Including the hold time they have averaged about 45 minutes each. I have sent letters and had live chats with Ditech reps. I always get the same run around " it is being reviewed '', " we see the problem '', " I can't change your payment '', " you are not allowed to talk with anyone who can change the payment because they don't take calls ''. This has been well over a month and now the payment is almost due. I am unable to get this mess corrected. I understand that filing for BK and having court supervision makes things complicated for Ditech. It is clear and obvious they all the docs since the XXXX payment was modified and properly reflected the principal reduction and loan modification. According to the phone reps at Ditech if I don't make the requested payment it will be reflected as late on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
At the end of XX/XX/2019, I received an offer for a Gold American Express Delta miles, offering me XXXX miles if I opened an American Express Card and spent {$2000.00} within the first 3 months. I was surprised as I had received this same offer at least a year earlier, was awarded the XXXX miles and then closed the account. 

I called American Express and spoke verbally to a customer service representative and asked her to confirm ( at least twice ) that I was eligible for this offer. She actually put me on hold to check. I clearly stated that I did not want to open a new account, obtain a new card, if I was NOT eligible for this offer, for the XXXX miles. When I received the new card in the mail, I began the process of adding this card to my online profile/account and decided at that time to confirm the award of XXXX miles. 

I called American Express three times beginning on XX/XX/XXXX and all three reps said I had not been eligible for the offer. I asked them to honor the offer as it had been confirmed to me by the rep. All three times, they said the would listen to the recording when I opened the account/card - and someone would get back to me. I know there is a recording out there of the rep confirming I was eligible for the XXXX miles. No one ever replied to me and I am angry that I opened this account, which has affected my credit record - and was completely misled - and lied to by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/2018 to XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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