vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX is my Commercial policy Insurance Company. On XX/XX/XXXX and XX/XX/XXXX I was rear ended and suffered severe debilitating injuries resulting in Loss Wages paid by XXXX XXXX XXXX XXXX XXXX  of {$2000.00} per month from XX/XX/XXXX to XX/XX/XXXX. Along with Personal Injury Protection Medical payments made by them to all my Medical providers. This company has in essence penalized me for these Accidents and has raised my Commercial Policy premiums from {$2500.00} per year to {$5900.00} per year for my XXXX XXXX policy. This is clearly based upon my filing of Bankruptcy in XXXX XXXX of Bankruptcy case # XXXX. 
I have filed several complaints with the Hawaii State Insurance Commissioner 's Office and have not received any justifiable results to correct the Over charging or the Injustice of being placed on the Joint Underwriters program. I should not be on this program and it is due in part to my credit rating that needs to be corrected with all credit rating bureau 's in the United States. The Bankruptcy Trustee has returned my cases a few months ago. But, I am still subjected to the same hardships, or difficulty with the legal system to pursue these matters, and receive fair and adequate settlements for injuries. So, I can move forward with my Surgeries and once again pursue my Businesses and Life per se. WILL FAX THE BANKRUPTCY COURT FINAL DECREE

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 2018-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
This company initially called and would not explain why they were calling me. When I said I would hang up if they did not state who they were & why they were calling then the female caller just said " okay '' and hung up. Today I got a collection notice from Diversified Consultants Inc ( same as the caller ) saying I owed {$28.00} for XXXX. I resolved the bill with XXXX years ago and closed the account. The XXXX bill was resolved after reporting XXXX with the FCC for poor service. I have not had XXXX for 3 years or more. I do not owe XXXX anything at all. After seeing reviews about DCI and seeing people say DCI is " taking advantage '' of the data breach of one of the credit reporting agencies I feel I may be getting scammed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is more than just closing an account, I was the Victim of Fraud through a 3rd party company regarding school loan consolidations. The amount was for {$590.00} or so. 
The fraud was very well done, I didn't notice until several months later when my actual loan lender contacted me. It took place on XX/XX/2016, I did not find out until XXXX. I reported the claim as soon as I found out to my Bank Wells Fargo, they even help me locate the 3rd party information and acknowledge on a call that the company had several fraud notes on the web.

A few months later, Wells Fargo contacted me informing they lost the fraud claim and then they deducted the funds from my account. I tried to talk to several people from the bank and one helped me. I went to a loca branch, and the manager suggest to keep trying. The bank provided no information on how to approach this and continue saying that I lots the claim. I refused too be responsable, I was a victim. They said that was my choice and that they would take me to collections and and report my account. I try to call several times before and at one point the call was supposedly escalated to an other department and a " Manage Supervisor '' Again they offer no middle grounds and they did not protect me, the customer. 
I recently received a noticed, now they closed my account and they sent me a notification about reporting me to entity. 
Now I don't know what to do or who to contact, the bank has escalated this instead of helping. 
Thank you 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 2018-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This leasing company has been the most unprofessional business I have ever dealt with. While renting from this company I have experienced the following issues : rats and rodents infesting the home within the walls and under the property, damaging some of our items that they never reimbursed us for ; breaking the lease they wrote by being non compliant with every repair. Upon move in the management company advised us that the roof had damage ( a huge hole ) which was not repaired for the first two months of the lease. Not to mention they had terrible plumbing issues that we had to beg them to come fix. I have had companies come over to fix electrical issues as well. They stated they would never do business with this company again. The company which is ran by XXXX and his wife ( unknown name ) is very unprofessional with their communication the wife caused open confrontations with us the tenants several times over the course of our lease to the point where we advised them that she was not to come to the property. They have also made up charges such as 500 % holdover fee. Which is not stated anywhere in our lease. They have turned this made up charge to a credit company to in return damage our good history, not to mention they took out deposit and also made up claims that just were not true. The last complaint is indeed true and I have a very similar experience. Also I have never heard from the collection company in regards to this debt. They tried to tarnish my good name and never sent me proof of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I went to a XXXX dealership in XXXX, FL in 2017. I requested to ONLY run my credit through XXXX ( XXXX XXXX XXXX XXXX ) if they wanted me to buy a new car. Unknowingly to me they ran my credit through lots of agencies before coming to me and saying I don't qualify with XXXX unless my husband co-signs. Reluctantly he co-signs and I am approved. Now I am seeing multiple agencies I did not authorize them to run my credit, showing as hard inquires. Whats worse is that XXXX will only show on my husbands credit not actively on mine because he is listed as the main owner when I specifically asked them to make me the main owner. They kept lying saying I am. I need these off they are affecting my credit I am working hard to build. 
The following companies ran my credit without my knowledge or written approval. 
Td Auto Fina XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report now has 42 inquires all of which are fraudulent. i have advised Experian XXXX and XXXX All of these companies referred me back to the creditors that submitted the request who referred me back to the companies. I do believe the spike in these request came from the data breach i want these inquiries removed XXXX XXXX Never Applied XXXX XXXXNever Applied XXXX XXXX- No Knowledge XXXX XXXX - this creditor has attempt to pull my credit 14 time in the past 6 months obviously it is not me XXXX- Never Applied XXXX XXXX Was never my card i disputed this account and it was removed

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 2018-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BB&T CORPORATION
State: NY

Complaint narrative:
In XX/XX/2016 I made a payment on my auto loan on the XXXX date past the due date for my auto loan. I have talked to the bank multiple times to have the late payment removed from my credit report and my request was refused. Payments for the auto loan have been made on time all the time and there never has been a missed payment.

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 2018-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I signed up for TransUnion 's XXXX XXXX free credit monitoring as a result of XXXX XXXX failure to provide multiple agency credit monitoring as promised with their XXXXXXXX XXXX credit monitoring program. It promised free multiple agency monitoring and the ability to place a credit lock on my info at my discretion. Like XXXX, that has been a complete lie. 
As soon as I completed the registration which included all of my personal info including current contact info, I was informed that a credit lock could NOT be activated on my credit report. I had been asked questions from my report to confirm my identity during the registration and my current contact info was confirmed online by their site. 
I was told to contact their customer service number which of course is an outsourced call center outside the US with foreign nationals with fake names asking me for my personal data and trying to peddle credit cards and other marketing surfaces to me. I will NOT discuss personal data with out of the country call centers! They have already vetted me online and have my current contact info. This is blatant fraud and a stall tactic to peddle " paid '' services. 
They quote the need and ability to monitor multiple agencies citing the fake XXXX " breach '' as their primary reason. These two obviously have a partnership in this scam. 
With XXXX playing victim and begging millions of consumers to join their services for protection, they have formed a partnership which has not only furnished private data to the world but given the hackers the latest consumer contact info as well. I don't expect to ever see any government agency hold these people accountable. I am filing this complaint as a matter of record prior to filing my own suit against them.

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 2018-02-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I say this every time I turn in a complaint ... i don't know why I am bc you won't do anything about it ... short and sweet ... im adding to ocwen fraudulent paperwork ... in which they are suppose to be checking on and of course nothing ... they sent me answers ... yet again to something different ... but I will add it to my govt list and the judge too ... aling with the other answers I am waiting on ... how is it that gmac went out of business in XX/XX/XXXX ... but ... assigned my mortgage to ocwen in XX/XX/XXXX????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have spoken with numerous representatives regarding this matter with this company XXXX XXXX XXXX and this company is still reporting on my credit report from Experian this company should be removed immediately and Experian is refusing to update my credit report with accurate information

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 2018-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I was recently notified XXXX & XXXX XXXX placed a mark for collection on my credit and I have no prior remembrance of this billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/13, my account was closed due to fraudulent activity. I walked into my opening branch, dealt with the same banker who opened my account by name of XXXX, and closed out account. I signed papers and withdrew funds from the account being closed. After closing account, I had a balance of {$0.00} meaning I owed nothing. I just got my consumer report and it showing the status of unpaid. That is false and I have my receipt from XX/XX/13 that shows I owe nothing and account closed.

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 2018-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: NY

Complaint narrative:
XXXX XXXX  is not applying payments received to the mortgage account. In total, the bank has not properly applied {$5600.00} received by the bank since XX/XX/2018 to the mortgage. 

A cash payment of {$650.00}, made to a Key Bank branch, is unaccounted for. This is despite having provided them with proof of the payment in the form of a tellers receipt that includes the dollar amount and the account number. This payment was made 4 weeks ago and they still have not provided any information on the whereabouts of these funds. 

In addition, the bank has either held or returned payments of {$1000.00} and {$500.00}. 

The bank does not adhere to or apply the policy stated on their mortgage statement documents regarding partial payments. 

Customer service is is unaware of their policies and can not provide details on policies or the status of payments. 

The bank has failed to provide the terms and conditions that apply to the loan in over three weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX credit card balance is incorrect balance should be updated to XXXX XXXX XXXX credit card balance is incorrect balance should be updated to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report now has 42 inquires all of which are fraudulent. i have advised XXXX XXXX and transunion All of these companies referred me back to the creditors that submitted the request who referred me back to the companies. I do believe the spike in these request came from the data breach i want these inquiries removed XXXX XXXX Never Applied XXXX XXXX-Never Applied Comenity bank- No Knowledge Capital one - this creditor has attempt to pull my credit 14 time in the past 6 months obviously it is not me XXXX/XXXX- Never Applied XXXX XXXX Was never my card i disputed this account and it was removed

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 2018-02-20 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: FL

Complaint narrative:
My credit report now has 42 inquires all of which are fraudulent. i have advised XXXX  Equifax and XXXX All of these companies referred me back to the creditors that submitted the request who referred me back to the companies. I do believe the spike in these request came from the data breach i want these inquiries removed XXXX XXXX Never Applied XXXX XXXX-Never Applied Comenity bank- No Knowledge XXXX   XXXX - this creditor has attempt to pull my credit 14 time in the past 6 months obviously it is not me XXXX/XXXX- Never Applied XXXX XXXX Was never my card i disputed this account and it was removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP
State: KS

Complaint narrative:
My debit card account information that I receive my child support on was stolen and ALL my funds were withdrawn out of my account. I called and reported these charges were fraudulent on XX/XX/. I filed a police report on XX/XX/ as well. I have called several times trying to get information about when I will receive my money back and was told it could take 90 days. Today XX/XX/ I called to follow up on the investigation on the account and was told my claim was denied due to " similar account activity '' My account was drained out of New York I live in Kansas have never been to New York. I am a single mother on a tight budget. This was my child support money to take care of my XXXX kids. This has put a major strain on me and my family. I need my money that was stolen from me back. I have proof I was NOT in New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
HI XXXX XXXX YOU CRIMINAL MISCREANT, your letter you sent to me has no wet ink signature, its not binding, your words are fraud and presumptions, you never said what you did with the negotiable instrument i deposited into XXXX, isnt it true XXXX attached a cusip number with medallion seal and sold it as a security?, isnt it true that your insurance policy covers all negative balances after 90 days? isnt it true XXXX has been paid more than twice the amount of XXXX?, so where is the debt? where is my ''bill ''? you have my billing address and i never received a ''bill '', do you know the definition of a bill and a statement? how would you like to explain all this fraud in front of a jury, if the check was fraudulent WHY THE XXXX DID XXXX SELL IT?, MY X-GIRLFRIEND WORKED IN A BANK FOR 27 YEARS, YOU THINK I DONT KNOW WHATS GOING ON? AND I DONT HAVE ANY CONTRACT WITH CHEXSYSTEMS THEY DONT MEAN XXXX TO ME BUT YOU XXXX CRIMINAL ARE IN SOME HOT WATER NOW, I never received any varified complaint of any ''wrongdoing ' sworn to before a notary either, furthermore you say federal law allows banks to substitute check,, so show me the citation you are speaking about, SHOW IT TO ME WITH CLARITY BECAUSE YOUR YELLOW HIGHLIGHT IN THE LITTLE BOOK DOESNT MEAN A XXXX  XXXX THING, ITS TOTALLY VAGUE AND NOT VALID, SO SHOW ME THE LAW, SO WHATS THE BIG SECRET, XXXX AND ALL THE BANKS SELLING PEOPLE 'S SIGNATURES AS SECURITIES RIGHT,? WHERES MY ORIGINAL CONTRACT WITH SIGNATURE, YOU SOLD THAT TOO RIGHT?

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 2018-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I woke up and decided to withdraw all my money from coinbase and I've been locked out of my Coinbase account since XXXX XXXX and there appears no way for me to access my account So what I did is open up a case at coinbase support and there was no response from them.I called them and talked to XXXX and she said ve just checked your account and can confirm that your request has been properly escalated.It all happned because I was verifying my id because all 3 heavy payment sending delay was 72hr and all of a sudden I was logout of account with suspended msg.Iam afraid by looking at your post I would loose my money.I recomend better wait for 72hr and pull all your money instead of choosing id verification.I agree if you dont have your private keys dont expect you are 100 % secure

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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 — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX  and the owner XXXX XXXX is a XXXX  XXXX XXXX criminal, they are using deformatory information on me when there is no tangible evidence to the claim, i dont give a XXXX who they are and what they do, i dont have any contract with these criminals showing any obligation to perform, furthermore thier criminal co-contractor friends are liars, I never received any ''bill '' from anybody and never received any ''varified complaint '' sworn to and notarized, which would substantiate a wrong-doing, so who the XXXX is XXXX, ,,,,,,, its a criminal extortion racket, there is no tangible evidence of any debt without a ''bill '' a statement is a whole different meaning, thats why i have a ''billing address '' and not a ''statement address ''

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