vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-08 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: DISCOVER BANK
State: FL

Complaint narrative:
discover credit card froze my wife 's credit account without authorization because they needed to review tax returns and income. my wife had an established credit with them for two years. when i called to to ask about my wifes account they closed my account. this will affect my credit even though the credit card are payed in full. this company has not right close my account and affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine. 

I sent your bureau multiple dispute letters in regards to the below accounts onXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,  and XX/XX/XXXX To date, I have not received any investigative results reports for any of the above dispute letters which currently are all in violation of the FCRA bureau response deadline guideline. 

I had filed an Identity Theft report, refer to the attached POLICE REPORT. Please be advised I have a {>= $1,000,000} business transaction in escrow pending but it will be cancelled by XXXX unless these accounts are not immediately deleted. I would prefer this to handled without damages and litigation.

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 2020-03-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Bankruptcy chapter XXXX was filed which included the accounts from XXXX XXXX XXXX XXXX XXXX. as stated per the bankruptcy the amount of XXXX was included in the monthly payments made to the trustee t ok pay off the accounts. XXXX XXXX XXXX XXXX XXXX KEEPS ADDING MORE AND MORE AND REFLECTING NEGITIVE MARKS ON MY CREDIT REPORT. DURING COURT HEARING PER JUDGEMENT NO INTEREST A SET AMOUNT WAS TO GO TO THEM AND OUR MEDICAL BILLS THAT WERE INCLUDED. They are the only ones showing that I owe more and more. I've contacted the XXXX, XXXX XXXX AND NOTHING IS BEING DONE. IVE BEEN ON TIME WITH MY PAYMENTS TO THE TRUSTEE COPY OF COURT DOCUMENTS SENT AND STILL SHOWS NEGATIVE REMARKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: EQUIFAX, INC.
State: WY

Complaint narrative:
I have had Federally supported freezes set up on all 3 major credit bureaus for years and have had no issues controlling those freezes either online or via phone until recently. I have a combined credit score over 800. Recently I have had problems with being able to log into my Equifax accounts to control Federal freezes. I was able to reach a live person after long phone waits and exhaustive questioning, and while all the reps speak limited English making the process more difficult than necessary I finally got a competent rep who said my account was permanently locked, and while they could/would not explain why they were supposed to delete it and inform me via email so I could try and re-establish. It has been two days and that has not happened yet. XXXX  is even worse ( different complaint ) but I have absolutely no problems with XXXX  and am recommending to lenders that they simply use XXXX  until the other two agencies improve their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
I HAVE NO DEBT WITH THIS COLLECTION COMPANY, The company has failed to identify documents signed by me, the company never sent over file with documents to prove that this debt is mine the company failed to provide proof of this loan payment and amount

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I called Capital one credit card in XXXX of 2020, regarding a fee waiver, because i knew that my account was going to be hit for a {$39.00} annual fee, they said they could not do anything until the fee is assessed and posted to the account and that if i called back in i would definitely get it refunded. I called capital one on XX/XX/2020, regarding the annual fee waiver, i noticed i only got a {$3.00} " membership fee credit '' of that {$39.00} annual fee. 

I called and spoke to a representative, they " looked into it '' and said i was " ineligible '' for the entire fee to be waived. I informed them that the rep that i spoke to in XXXX stated that without a doubt, if i called back in i would be refunded that fee. I asked to speak to a member of management, who reiterated that i would not be eligible for the fee refund and i informed her that due to the previous conversation and that it was promised i needed to speak to her manager, or the manager of the previous representative i had spoken to. she stated that she did not have anyone else she could escalate this up to, and that she could not get me in touch with the other representatives manager. 

at this point i ended the call after verifying that we were on a recorded line, and informed her that i would need to speak to an attorney regarding this matter. 

in order to keep my business with capital one i attempted a call on XXXX to see if there may have been a mistake and if i was able to get that fee waived or if there was another way i could get a better benefit like a balance transfer with 0 % interest that would offset the annual fee that i am going to have to pay, in which i was told that the offer that i was eligible for, was 13.99 % on balance transfers, which would not save me any money. 

at this point i would like capital one to credit my account for the annual fee, which was promised to me in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-08 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: AZ

Complaint narrative:
Bankruptcy chapter XXXX was filed which included the accounts from XXXX XXXX XXXX XXXX XXXX. as stated per the bankruptcy the amount of XXXX was included in the monthly payments made to the trustee t ok pay off the accounts. XXXX XXXX XXXX XXXX XXXX KEEPS ADDING MORE AND MORE AND REFLECTING NEGITIVE MARKS ON MY CREDIT REPORT. DURING COURT HEARING PER JUDGEMENT NO INTEREST A SET AMOUNT WAS TO GO TO THEM AND OUR MEDICAL BILLS THAT WERE INCLUDED. They are the only ones showing that I owe more and more. I've contacted the XXXX, CEDIT BUREAUS AND NOTHING IS BEING DONE. IVE BEEN ON TIME WITH MY PAYMENTS TO THE TRUSTEE COPY OF COURT DOCUMENTS SENT AND STILL SHOWS NEGATIVE REMARKS.

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 2020-03-08 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: AZ

Complaint narrative:
Bankruptcy chapter XXXX was filed which included the accounts from XXXX XXXX XXXX XXXX XXXX. as stated per the bankruptcy the amount of XXXX was included in the monthly payments made to the trustee t ok pay off the accounts. XXXX XXXX XXXX XXXX XXXX KEEPS ADDING MORE AND MORE AND REFLECTING NEGITIVE MARKS ON MY CREDIT REPORT. DURING COURT HEARING PER JUDGEMENT NO INTEREST A SET AMOUNT WAS TO GO TO THEM AND OUR MEDICAL BILLS THAT WERE INCLUDED. They are the only ones showing that I owe more and more. I've contacted the XXXX, CEDIT BUREAUS AND NOTHING IS BEING DONE. IVE BEEN ON TIME WITH MY PAYMENTS TO THE TRUSTEE COPY OF COURT DOCUMENTS SENT AND STILL SHOWS NEGATIVE REMARKS.

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 2020-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I was about to graduate in XX/XX/2018, when I was told by XXXX XXXX that he had an idea that would allow me to walk for graduation. I was desperate and wanted to explore any alternatives for graduation. He told me it was a loan through the school, but come to find out its a private loan from Navient. He made me take out the loan AFTER I shown proof that they owed for a health fee I ALREADY PAID FOR! 
Not only that, Im still in XXXX  school, and they continue to keep bothering me. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am not sure where to direct this, however I will explain the situation here. 

In XXXX my daughter received an email from a professor at her school that offered an opportunity to make money. My daughter applied and they sent her a check to deposit so she could purchase products for them. I am sure you are familiar with this sort of scam. 

In XXXX she went to the store and tried to purchase the products. However, the check had not cleared the bank. She called the bank in response to the denial of her purchase and the bank went ahead and actually cleared the check and made the funds available. Then she was unable to complete the purchase due to the cost being higher than her ATM limits. Once again the bank jumped in to lift those limits and to allow her to buy several times the daily limit worth of product on a check they prematurely cleared. 

Of course the check didn't clear in the next few days. We talked to several different departments at the bank and then about a week ago, after the bank closed her account and my credit card account with them, they took money out of my checking and savings, as well as my son 's checking account. 

I believe that many people are culpable in this. Her school needs to have better security so people can't use it to prey on students. Her bank however intervened and basically set her up and then took her down. They were the most active participant in this scam. If the bank had served its client rather that set her up, this never would have happened.

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 2020-03-08 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: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine. 

I sent your bureau multiple dispute letters in regards to the below accounts on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. To date, I have not received any investigative results reports for any of the above dispute letters which currently are all in violation of the FCRA bureau response deadline guideline. 

I had filed an Identity Theft report, refer to the attached POLICE REPORT. Please be advised I have a {>= $1,000,000} business transaction in escrow pending but it will be cancelled by XX/XX/XXXX unless these accounts are not immediately deleted. I would prefer this to handled without damages and litigation.

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 2020-03-08 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: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine. 

I sent your bureau multiple dispute letters in regards to the below accounts on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. To date, I have not received any investigative results reports for any of the above dispute letters which currently are all in violation of the FCRA bureau response deadline guideline. 

I had filed an Identity Theft report, refer to the attached POLICE REPORT. Please be advised I have a {>= $1,000,000} business transaction in escrow pending but it will be cancelled by XX/XX/XXXX unless these accounts are not immediately deleted. I would prefer this to handled without damages and litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In 2006, I owned an acre of land with the legal description ( XXXX   XXXX XXXX XXXX ) and on this acre of land, there were 3 mobile homes, 1 belonged to me and it was financed through, XXXX XXXX, the other 2 mobiles belonged to other individuals. I approached Wells Fargo to refinance my mobile with the mailing address of XXXX XXXX XXXX. Wells Fargo sent an appraiser out to appraise my home and he took pictures that clearly show other mobiles on my land, and when Wells Fargo made me the loan, they insisted that my mobile be changed from personal property to real property and that the acre of land be financed into my loan and they had knowledge of these other mobiles on my acre of land, but they never questioned me about those mobiles or questioned the ownership of those mobiles in their loan process. Wells Fargo made me the loan and they processed all the documents with XXXX County Courts, and they placed a lien against my land and mobile, with the legal description as, XXXX XXXX XXXX XXXX. Now Wells Fargo has responded to my previous complaint, says that their appraisal was done on XXXX XXXX XXXX, XXXX XXXX, Texas and no consideration was placed on my acre of land to process this loan, even though their on documents shown the legal description as XXXX XXXX. If I default on this loan what happens to the people who own the other 2 mobiles on my property? I feel that this was an improper or predatory loan and now I have tried to refinance my loan with other mortgage lenders they refuse to consider making a loan to me, because there are multiple mobiles on my land, therefore I am locked into this loan with an extremely high interest rate for ever and I feel that Wells Fargo made this loan knowing that I would be locked into it and no no other options to refinance in the future.The high interest rate on this loan has caused me serious financial stress and emotional stress over the last 13 years and Wells Fargo refuses to do anything to help me in these matters, they are allowed to do a self investigation of all my complaints and as you would expect from any large corporation, their responses are always, that they did nothing wrong and that I signed the loan documents, so therefor it was my fault and not theirs, even though I am a high school drop out with no legal knowledge and their are the ones who had all the knowledge of the lending laws and they had ever opportunity to survey my property and they could have denied my request for this loan and I would not be in this mess today.

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 2020-03-08 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My husband and I refinanced our home. We have the same exact debt with the exception of him owing a few XXXX dollars more then me. This is the second time I have had this issue with Equifax. Equifax dropped my score 20 points but only dropped my husband score 5 points for the same exact refinance loan. My husband is a XXXX  male and I'm a XXXX female. Can I have some clarification why, such a drastic difference in the points??? This shows me that this has to be a form of discrimination. Our scores changed on XX/XX/2020 and XX/XX/2020.Please inform me why such a big difference in points?? I work hard at keeping my scores up and I do understand when you make purchases or refinance your score will change but WHY did my score change so much more then his with the same exact refinance? I had this same issue with Equifax before. Our scores with the other bureaus were very close to the same point system but Equifax has some serious issues with people!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I just found out that there is a collection on my credit report that was reported in XXXX for an old ambulance bill from XXXX with according to my credit report is XXXX XXXX XXXX. That bill was disputed way back in XXXX as to the amount owed and who should have paid it at which time was my medical insurance. To my knowledge this was settled between the two companies and I was not contacted again. 
This was suppose to have been settled and over with way back then. at the time of them opening this account, I had not received any communication from Commonwealth financial system as to dispute anything and should have because I don't owe them and now I find out when I had my credit pull that this is a recent collection and has severely damaged my credit score. I did receive a letter the last of XXXX from this company noting that I owed a XXXX XXXX XXXX  XXXX someone who had purchased the account from the original creditor but the couldn't have because the acct was again to my knowledge taken care of after a dispute back in XXXX and I was no longer contacted my XXXX XXXX XXXX. a the bottom of this letter it says that because of the age of the debt I could no longer be sued for the debt. I know that under the Hippa Law my information should not have been shared, and under the fair credit reporting act this debt from Common Wealth should not have been reported by them as I don't owe them. Georgia statue of limitations is 4 years and In 2016, Congress passed the Medical Debt Relief Act, introduced by Senator XXXX XXXX  ( D-OR ), which is an amendment to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collections Practices Act ( FDCPA ). If an unpaid medical bill goes into collections, the collection agency must notify the consumer that the account was placed in collections. The consumer then has 180 days from the notification to pay the account before the agency is allowed to report it to the credit bureaus. Additionally, once a medical collection has been paid, the medical debt must be removed from the consumers credit report within 45 days. this company also entered the debt under another account number but has the old account number listed. ( is that legal? ) I need help with this please and I want them to validate the debt, as well as take it off my credit report asap until a resolution is accomplished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
I have had Federally supported freezes set up on all 3 major  credit bureaus for years and have had no issues controlling those freezes either online or via phone until recently. I have a combined credit score over 800. Recently I have had problems with being able to call in or log into my Experian account to control Federal freezes. When I try to log in it tells me my log in information is incorrect. When I try to fix the username and/or password the reset emails it says it is sending to my valid email account on record never arrive. I have no problems receiving test emails to that address from other accounts so the problem is on Experian 's end. When I call in, the automated phone system simply dumps me out of the call no matter which avenue I pick to try and get live help. I have tried half a dozen Experian numbers as well including their business support who did answer but said she could not help with a consumer issue and gave me a number that simply sent me through the same automated nightmare and dumped me out. Without either phone or online help I am unable to find and fix problems or file a dispute.

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 2020-03-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XX/XX/XXXX TOYOTA MTR XX/XX/XXXX XX/XX/XXXX and 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation