vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
My account with XXXX XXXX was closed XX/XX/XXXX due to insufficient number of points and I just received the letter today, XX/XX/XXXX. The account at the time of closing was in good standing and still had an open credit limit. I called the company to ask why and was told that they have the option to close an account at anytime even if it is in good standing based on a credit review. My concern is that there was no prior warning of being in any danger of having the account closed. The payments were made monthly and I was not in default. Had I been out of my home area with only this card to use, this could have been an issue. To my knowledge, there was still credit available and I could have been stranded with a declined card. Im also concerned as to why this letter dated XX/XX/XXXX is just reaching me now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/19 I went through the drive through service at M & T Banks XXXX  and XXXX Branch and submitted a check number XXXX for my checking account ending in XXXX for {$940.00} and a deposit slip for {$840.00} of this money to be deposited in cash into my checking account ending in XXXX and when I received the receipt from teller Ms. XXXX XXXX my {$840.00} was not made available to me when I asked that the funds be made available she stated that she couldn't and stated her boss Mr. XXXX XXXX agreed. So I went inside the bank and her boss reiterated this to me stating this was the banks procedure that I had to wait until midnight to have access to my money. So I told him this was not correct and asked for all my paperwork back and told him I would take the transaction to the XXXX and XXXX Branch where I opened up the accounts. Mr. XXXX then said he would sign the check to give Ms. XXXX the ok this time but in the future I would have to wait until midnight to gain access to my money. When I contacted the XXXX branch I was told by Ms. XXXX that the Branch Manager Ms. XXXX XXXX was not available but I could write to the Regional Manager Mr. XXXX XXXX and Ms. XXXX would forward the letter to him via email and she said she did not have any other contact information to give me on Mr . XXXX. On XX/XX/19 I wrote the letter to Mr . XXXX   which was emailed to him by the XXXX Branch and to date I have not heard from him, although Ms. XXXX said the letter was emailed to him and a copy was sent to Ms XXXX. I also sent a message to customer service on XX/XX/19 and it was deleted from the system, I also spoke with Ms. XXXX a supervisor at the Customer Service department and she was very sympathetic but limited as to what she could do other than document my concerns and maybe someone would call me. I am very concerned that I am being denied access to my money and no one seems to care for today this issue has not been addressed so I would appreciate your help in correcting this matter so that I can go to this branch which is very near my home and make these transactions so that I have access to my money, which I always had in the past even at this location.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: TX

Complaint narrative:
Experian Report Report Number : XXXX Date Generated : XX/XX/2019 XXXX XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate when is NOT, I have asked to delete the information but all other crit report agencies have complied except Experian, some one toll me that if I buy the membership of Experience everything will be resolved, I have complained several times but still the maintain the information. Please help!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: VA

Complaint narrative:
Company is causing my credit score to go down Experian Alert Date XX/XX/2019 Balance Amount {$1300.00} Is Collection No Open Date XX/XX/2019 Payment Status Grid Code 3 ( 90 Days Delinquent ) Status Date XX/XX/2019 Name XXXX/XXXX XXXX Phone ( XXXX  ) XXXX   Business Type BB Street Address XXXX XXXX XXXX City XXXX   State OH Zip 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 2019-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
On XX/XX/19 I received calls at XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX. No messages left at all. 
On XX/XX/19 I received calls at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. No messages left

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dynamic Recovery Solutions, LLC
State: PA

Complaint narrative:
dynamic recover solutions.calling me all time of the day even on week ends.threat me a bout taking me to court.this is not my DEB.SOME ONE OPENING UP A ACT IN MY NAME WITH XXXX XXXX PHONE IM MY NAMEI INFORMED THEME THIS IS NOT MY ACT IN 2014 5 YEARS A GO BUT THEY KEEP THREATING ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
I keep getting different final amounts owed from week to week even after paying a substantial amount towards the loan. The company does not allow the user to view thier previous payment history on the website or from their app so I can track my payment history. Every week I have to ask what my remaining balance is, and every week it either goes up or goes down. I feel I am being taken advantage of

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: MD

Complaint narrative:
To Whom It May Concern : RE : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX # XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX This letter is a formal complaint that you are reporting inaccurate credit information. I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. XXXX XXXX XXXX : XXXX The high balance reported is incorrect, please delete. XXXX XXXX XXXX : XXXX The account balance is incorrect, please delete. XXXX XXXX XXXX : XXXX The high balance reported is incorrect, please delete. XXXX : XXXX The account balance is incorrect, please delete. XXXX, XXXX : XXXX Account was never verified I have no recollection of ever opening this account please investigate XXXX XXXX : XXXX The account balance is incorrect, please delete. XXXX XXXX : XXXX The high balance reported is incorrect, please delete. XXXX XXXX XXXX XXXX : XXXX Account was never verified I have no recollection of ever opening this account please investigate XXXX XXXX XXXX : XXXX Account was never verified I have no recollection of ever opening this account please investigate According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I sent a letter to Midland Credit Management ( MCM ), written on XX/XX/XXXX, received on XX/XX/XXXX, requesting an investigation on account XXXX. I never received a response from Midland Credit Management ( MCM ), violating federal law. I sent another letter written on XX/XX/XXXX, and received on XX/XX/XXXX, stating the violation of federal law and requested the removal of the said derogatory item from my credit reports. All I received from Midland Credit Management ( MCM ), was a letter stating that the item is correct, which we are way beyond now that Midland Credit Management ( MCM ) has violated federal law. I would like the item removed from my credit reports or I will be forced to sue Midland Credit Management ( MCM ) for damages resulting from the violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
My dispute is with XXXX XXXX over their claim that ignored bills that were set to me.On XXXX XXXX I opened an account with XXXX XXXX, a woman 's clothing store. Beginning in XXXX. I began receiving numerous phone calls from XXXX XXXX which I ignored, not knowing who they were. No messages were ever left by them explaining the purpose of the calls. I then received an e-mail from XXXX asking me to call them concerning my XXXX XXXX account. Since I have no XXXX XXXX account and don't shop there I called them to let them know of their mistake. Before any conversation they demanded that I give them all my personal information including my dob, social security number, etc. When asked what the phone call was about they refused to answer until I first gave them all my personal information. With such an unprofessional approach I assumed they were identity thieves and that this was a phishing phone call. I attempted to call again with the same results. I received my first bill from the XXXX in XXXX for {$190.00}. The amount of purchase was {$53.00}. To this amount they had added numerous late fees. The disputed issue is the fact that I did not receive a bill from XXXX XXXX   until XXXX and they are claiming I was sent bills from XXXX Their communications with me all had XXXX XXXX return addresses as well as XXXX XXXX letterhead stationary. Since I have no account with them they were ignored. In XXXX an agreement was reached where I would pay half of the {$190.00}. XXXX XXXX notified all the credit companies of my delinquent payment and my credit score fell from the 800 's to the 600 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one has been calling all most every day to call them back. went on their chat line and talked to a rep he said call back when I had phone # he said my CC account was up to date and no problems. That was the only account I had. Next day went back on chat line they said I had 2 other accounts under my name with their collection/recoveries dept and told me to call XXXX. Called on XX/XX/18 nothing was opened I had 2 account closed with a bankruptcy. I gave her the number she said call the do not call registry and register which I did on XX/XX/18. Now this number XXXX XXXX has called every day and left a message for a long time. I thought they wanted to raise my current CC limit. plus my answering machine was not working for about 3 week so I just did not respond. But then they just kept calling so I went online

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
16 yrs client. Received letter on XX/XX/19 stating bank wants to terminate relationship. No reason, no contact name, only a XXXX no. to a person ( named XXXX ) who connected me to another person who said that the letter was valid. But could give no reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank will not print, display on line, or email a statement if there are no charges made on the card for the statement period. This is true even if there are payments made on the account during that statement period. 

This results in the inability to balance the account. The card holder must call the customer service, escalate the call to a manager, and then request a letter regarding the payment. But they will still not send a statement. This must be done every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have been trying to get proof from not only the companies, but the credit bureau as well to provide me with documentation that I owe the debts that are being reported on my credit report. I have been mailing letters since XXXX-18, every 30 days to both the creditor who claims that I owe such a debt, and also the credit bureau. I either receive a letter from the credit bureau stating that they verified that the debt belongs to me, or that they are done investigating the debt, and that there will be no re-investigation done on my behalf. I have exhausted all efforts with the creditor and credit bureau and I need results, they have not proved to me that any of these debts are mine, and therefore they need to be deleted from my credit report per the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: WA

Complaint narrative:
Experian is showing a negitive charge off from XXXX XXXX for XXXX dollars. I have called XXXX more than three times asking to verify that this is not me and they say they have nothing ever in my name being sent to collection nor attached to my account. 

I contacted XXXX again today XX/XX/2019 and once again was told I have nothing showing for sent to collection or canceled in my name or social. they dont have anything to provide me other than my past full up to date and current billing hystory. 

I have submitted to disputes to Experian ( the only credit agency showing the debt ) and they have sent me back generic answers saying the debt is valid. 

Need to know what to do next. My next visit is with a lawyer. This mess has prevented me from buying a new vehicle and home this year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went to Wells Fargo Bank to wire my mortgage payment and gave the teller all the correct information, but the teller instead of sending my money to my mortgage company she deposited into a Well Fargo Bank account that has the same account number as my mortgage company. Went back to Wells Fargo and explained that my money wasn't received by my mortgage company and Well Fargo tells me that the money was deposited into one of there account and that there was no way to retrieve my money and that if I wanted it back i would have to sue Wells Fargo. It was {$2500.00} and they say that they can't get in touch with their account holder nor will they give me the information of the account holder per the privacy act. This is just another example of how corrupt of a bank that Wells Fargo is. I've been fighting this with them over a year to no avail. Please help. I found out that they can retrieve my money back but won't. I even spoke with a executive at Wells Fargo Executive office and they told me the same thing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America Cash Rewards Visa card. Last month I redeemed {$14.00} to make a partial payment on my credit card balance of {$22.00}. When I received this months statement ( XX/XX/XXXX - XX/XX/2019 ) I noted that I was charged a late fee of {$14.00}, the exact amount of the cash awards redemption. I called the bank and was told by two people that I should have read the fine print, which explains ( I was told ) that no matter how much the redemption is, I must pay the minimum balance, ( which was {$25.00} ) or the balance in full if the balance is less than {$25.00}. 
I told the bank representative that if I make no charges the following month, I would have a credit balance. She said that they would refund the balance to me. When I asked how long before I received the credit balance, she told me that they have 90 days to refund the money. Personally, I think the bank is making their own rules regarding this matter. I have other bank cards and have never before run into this problem. What upset me the most, is that I have been a long time customer of the bank, never having a late fee charged previously and they refusing to show any courtesy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: CA

Complaint narrative:
XXXX with the executive department refused to assist me, nor answer my questions regarding a fraudulent charge, almost three months ago. Key bank has not investigated the fraud, not shared pertinent information with me, so that I can defend myself legally, against false charges regarding this entire debacle. The person committing fraud, filed false police charges, Key bank said, " oh well, that's your problem and doesn't have anything to do with us. At all. '' Then XXXX copped a major attitude when I refused to allow her to berate and degrade me on the phone about my " many addresses '' and all sorts of outrageous things she felt entitled to inflict upon me. My address instability being the reason they have failed to do their jobs on a basic level, instead of mailing me requested documents that are needed for LEGAL PURPOSES, according to XXXX. Also, that she " would try '' to possibly get me the requested information pertaining to the fraudulent charge, which she clearly had no intention if doing. They have blatantly blocked me from vital information to my case, in particular, what was the ACTUAL AMOUNT of the fraudulent charge. They have been lying to me for almost three months now, that the person who victimized me somehow knew the exact amount in my account and only charged EXACTLY that. Well, that's impossible, and they refuse to answer the question law enforcement has asked me, WHAT WAS THE FRAUDULENT CHARGE AMOUNT? Not a good look.

Company response to consumer: Closed with explanation