vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
As stated before about my identity theft that took place in XX/XX/XXXX. There still remains one account in question of its validation. I would like to see an original hand-written signature and the original contract within 30 days of this request according to my rights shown in section 609 of the Fair Credit Reporting Act. 
Please send me copy of my authentic signature and the original account contract for this account ( circled in attached credit report ) : XXXX XXXX ... Act. # XXXX If an original signature and original contract can not be shown I'd request this account to be deleted as well. 


So far only XXXX XXXX XXXX- ( Act. # XXXX ) was able to validate themselves as a valid creditor with my original signature and original contract information. 

thank you for all that you do, XXXX XXXX XXXX this below was the original dispute I had sent you : " As it pertains to the credit bureau of XXXX, XXXX, and Experian and the creditors involved I am disputing the valid nature of 9 accounts listed in this dispute, as circled in the XXXX   credit report attachment. Since XX/XX/XXXX when I first got alerted of my stolen identity, I filed for a police report which was already relayed to the 3 credit bureaus on my original filings. In my original fillings I disputed the creditors I have filed against and I also filed a police report on XX/XX/XXXX about my identity theft. In order to clarify these creditor accounts as not being a part of the identity theft, I wanted to verify the original handwritten signatures and the original contracts for each of these creditors that were circled in the XXXX  Credit Union Report. I wanted to file this request according to the section 609 of the Fair Credit Reporting Act. Please verify these accounts according to my request. ''

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 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
opened : XX/XX/2018 Balance : XXXX I called to see where the bill came from and was told it was from me last apartment. I spoke to a representative befor I moved to make sure all my bills were pay in full and accounts closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
XXXX Hospital ( XXXX XXXX ) was set up with XXXX to collect debts owed to the hospital. We had charges from previous medical issues that were not covered by insurance and we need to set up a monthly payment plan, which we did and were paying every month via and automated deduction from our checking account. The accounts were never reported to the credit bureaus because were were not delinquent. At some point at the end of XXXX, XXXX was dropped and XXXX XXXX was given our account. Then out of the blue we started receiving phone call regarding the debt owed. There was never any written notice that XXXX was no longer servicing the account and that we would need to work with Arcadia, so we were questioning what these debts were and from when. At one point the person calling gave us incorrect dates of service as well as incorrect parties they were collecting for. Upon calling XXXX Hospital, we found out that XXXX was dropped and Arcadia was the new service provider and we would need to contact them regarding the accounts. As of XX/XX/XXXX, via online, I paid all the accounts off. I have requested that Arcadia report this the credit agencies and have the incorrect information removed from my reports. I notified Arcadia of my intent to report this information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
I submitted a payment on XX/XX/XXXX to the mortgage company, but the payment was never pulled from my bank account. We called the mortgage company numerous times regarding the fact that the money had not been removed from our accounts. Once when we called a representative placed us on hold for over a hour until the office closed and then a recording told us to call back during normal business hours. We called back the following week and spoke to a representative who was very rude and said we had never made our XXXX payment. The representative continued to rudely state that they are aware of everything we do and that we had never even made an attempted to make a XXXX payment. We then attempted to resolve the issue with the representative who continued to rudely state that it was our bank withholding the funds. We spoke to our bank in which they informed us that they would not withhold funds without notifying us first, and that the issue was on the mortgage providers side. We called the mortgage company back trying to resolve the issue, but they had already placed a mark on our credit and said nothing could be done to resolve it. We then made another payment for XXXX on XX/XX/XXXX of {$930.00} plus {$48.00} in late fees bringing the total amount to {$990.00}. The funds were then removed shortly after on XX/XX/XXXX, which was quicker then normal. We assumed the funds were removed quicker due to the fact we have also been speaking to our mortgage officer many times over this incident. This isn't the first time this has happened. Since we bought our house in 2017 we have had an issue almost every month with the mortgage company. Usually they work with us stating that their website hadn't been working properly, or there was another issue on their end. We have also had problems with this company not removing the funds for two to  three weeks after a payment is made. When they would remove the payment they would also then pull a late fee out even if the payment was made on time. We have been doing everything on our end to resolve this issue including talking to our bank and mortgage officer many times. We believe the issue is on the mortgage company side, but they seem to resist taking the blame and are quick to blame us. We have been tirelessly trying to resolve these issues and wish the mark against our credit would be removed due to the fact the error is not on us.

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 2019-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I am receiving collection telephone calls from a medical collection agency called Optimum Outcomes. This company is attempting to collect on a debt which is 7 year old or more and pass the statute of limitations for debt collection. The calls are appearing on my home telephone number. 

Since the SOL has expired for the debt, there is no continued need to contact me. Legally, the company can no longer contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
On XX/XX/2019, I contacted the Southern Finance in XXXX SC in regards to harassing phone calls to my phone, my husbands phone and to the reference on mine and my husbands accounts with them. Also, they spoke with my mother in regards to my and my husbands information about the accounts there. The manager XXXX acted as if she didnt care about my complaint and so I got the home office # and left a message with a receptionist for there supervisor to call me, so about 30 mins maybe he calls me, I told him my concerns and told him that I know these things are illegal and he acted as if all he was concerned with is when we where gon na pay the bills, not about us as his customers or my concern at all, so I told him I would be contacting the XXXX XXXX XXXX about this matter, he got made and told me he would see me in court and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: NC

Complaint narrative:
My identity was stolen several years ago and over the past 2 years there have been may fraudulent accounts listed on my report. Also I was included in several MASS data breaches which greatly exposed me. I am in Desperate need of all of this fraudulent information removed and blocked from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
1. In letter dated XX/XX/XXXX received notice from lender, Bank of America, that wind insurance is required to protect its collateral interest in property supporting mortgage loan of {$420000.00}. Said loan had been extended in early XXXX based on house value estimated to be approximately {>= $1,000,000}. Letter indicated that failure to provide would result in bank obtaining " lender placed insurance '' which could be significantly more expensive than what we could obtain in the market. 
2.Lender had accepted coverage without wind since renewal of policy provided by XXXX XXXX    XXXX XXXX on XX/XX/XXXX. 
3. On XX/XX/XXXX, my wife and I began a long delayed vacation to XXXX where we had previously lived to visit friends. As we were to be moving around we could not have mail forwarded. Those who needed to contact us could do so via email or telephone as we had cell phones and laptop with us.I have received many communications from Bank of America both by email and text so the bank could have reached us by those means if it was deemed important.There were two more ground mail attempts to contact us, in XXXX and XXXX. 
4.Upon our return in XXXX we moved to put wind insurance in place which was accomplished on XX/XX/XXXX. On XX/XX/XXXX,, the bank sent a letter saying that lender placed insurance had been bought showing only Bank of America as beneficiary based upon house value of {>= $1,000,000} at an annual premium of {$62000.00}. the bank has subsequently refunded all but {$20000.00} of that amount leaving us with a charge to our mortgage account representing coverage from XX/XX/XXXX thru XXXX XXXX. By comparison the wind insurance that I obtained to satisfy the bank 's requirement costs only {$4000.00}, premium for the entire year. 
5.I am retired, XXXX years of age and can ill afford to be hit with this kind of expense which gives me absolutely no benefit ; would not seem to give any benefit to Bank of America since it was acquired ex-post facto. This is an outrages amount to pay for any casualty insurance policy, and I beg the offices of CFPB to assist me in righting this wrong. I am suffering great stress as a result of this situation and am having difficulty finding someone at Bank of America to appeal to. 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 monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/XXXX 2019..I called Navient to get my account up to date. My past due amount was Due XXXX 2019. I explained to XXXX XXXX that I would pay the XXXX past due amount in three payments. I made a {$100.00} dollar payment with her over the phone and received an email confirmation. I called in on XX/XX/XXXX make the next {$100.00} dollars. I was told they didnt have any record of my payment. They researched and found out that XXXX XXXX made the payment through the wrong system. My money went to another whole company and they didnt have any control over it. I spoke with XXXX XXXX ( supervisor ) and he said that it would take them a month to return my money to me. I explained to him that I didnt have an extra {$100.00} dollars to give and I wouldnt receive in time to put back to account so I wouldnt receive a late fee for XXXX he wasnt willing to help at all

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
I opened an account with {$10000.00} on XX/XX/XXXX and deposited at HSBC Bank. I left the amount in there for the terms requirement and longer to received the {$350.00} bonus but never received it. I messaged the company after 120 days but was told to wait the full 8 weeks from the 90 days point. I was told at the time, I fulfilled the requirement and would get the bonus. I waited the full 8 weeks and chat with them again, just to be told the marketing team will be going in to it on XX/XX/XXXX. The message, I received is that the marketing team will investigate and get back to me within 3-5 business days. I waited until XX/XX/XXXX and still have not received a response. Here is the terms of the of the account. 

Advance checking {$350.00} bonus requirements Open new HSBC Advance checking account by XX/XX/XXXX Deposit a minimum qualifying balance of {$10000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: OH

Complaint narrative:
While recently moving to Florida, I was going through tough times financially. I missed one payment of 30 days in XX/XX/XXXX. That is the only payment I have missed with XXXX   XXXX. Even going 2 to 3 years without missing a payment they will not work with me or accept my goodwill request as of XX/XX/XXXX. The credit agency, experian also was not able to 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 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I was contacted by credence saying that I owed them XXXX for an XXXX bill. I told them I could do a payment plan and they were trying to get me to pay a lump sum- this was in XXXX. I told them I would call back in XXXX when I could make the 1st payment since they were so adamant on a lump sum. I forgot I had already given them my bank information. When I got paid in XXXX I called on the XXXX and scheduled a payment arrangement for {$70.00} that day and {$100.00} on the XXXX of every month until XXXX. No one informed me that they had already charged my card that day for {$100.00} and proceeding to charge me again. I realized what happened after getting off the phone with them and checking my bank account. When I called back they informed me I had one payment arrangement scheduled for the XXXX of every month and 1 for the XXXX I told them they needed to refund my {$100.00} and cancel one of the payment arrangements. They said they sent me a notice in the mail but I did not receive this notice until the XXXX of XXXX. Which is way after they debit my account. Further the notice was dated only 2 days before they withdrew the money which means it was not sent out the day it was printed. They said I wouldnt get my money back until 22 business days after it was processed. I told them that was unacceptable and they said I should just leave it as an extra payment or payment for XXXX. I told them that could not happen because they were leaving me without funds. They said no later than 22 days. Yesterday I called back to see if the refund process had begun and they told me 15 days before the refund process begins and 22 days before I even see any result. They are holding my money hostage. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: NC

Complaint narrative:
My identity was stolen several years ago and over the past 2 years there have been may fraudulent accounts listed on my report. Also I was included in several MASS data breaches which greatly exposed me. I am in Desperate need of all of this fraudulent information removed and blocked from my 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 2019-01-31 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: NC

Complaint narrative:
My identity was stolen several years ago and over the past 2 years there have been may fraudulent accounts listed on my report. Also I was included in several MASS data breaches which greatly exposed me. I am in Desperate need of all of this fraudulent information removed and blocked from my 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 2019-01-31 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: PA

Complaint narrative:
My infomation was stolen and used in attempt to open fraudulent accounts. my information was also exposed in 2 recent data breaches EQUIFAX AND XXXX XXXX BREACH.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As stated before about my identity theft that took place in XX/XX/XXXX. I was awaiting on validations on original handwritten signatures and a copy of contracts on 8 creditor accounts appearing on XXXX and Transunion credit reports. Since the previous dispute found on complaint reference # XXXX to TRANSUNION and on complaint reference # XXXX to XXXX  XXXX XXXX XXXX- ( Act. # XXXX ) was the only creditor able to validate themselves with my original signature and original contract information. 

As a result of original dispute, XXXX, rightfully, according to my legal rights through section 609 of the Fair Credit Reporting Act deleted these 7 accounts from Its credit reporting because they were not able to produce the original handwritten signature or/and the original contract needed. 
These are the accounts they deleted as being non-valid and possible fraud : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX. 
XXXX/XXXX  XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 

Account below should be already deleted since no original signature and original contract has been shown for : XXXX/XXXX XXXX ... Act. # XXXX Since the original dispute I needed an original hand-written signature and the original contract within 30 days of the time the dispute was made according to my rights shown in section 609 of the Fair Credit Reporting Act. 
I already asked, since XX/XX/XXXX that you send me copy of my authentic signature and the original account contract for these account ( circled in attached credit reports ) : Since an original signature and original contract were not able to be shown within the time frame given there is a breach with the legal code of section 609 of Fair Credit Reporting Act. 
I'd request both XXXX  and TRANSUNION to follow in agreement with XXXX  and delete these creditor accounts from their reports as well. Right now your reports are in discrepancy with how XXXX is reporting with 7 of these 8 creditors.

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 2019-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I need to File a complaint on Wells Fargo On Sunday Night XX/XX/XXXX at a XXXX  gas station with My visa Debt card the Transaction was approved So today I received a email from wells fargo saying that I have a {$35.00} Overdraft fee. I feel that Wells fargo is completely wrong for doing this The funds were in my account during the transaction But they wanted a few days to charge me. I spoke with the rep at wells fargo she claims that it's is up to the merchant to collect the payment that is complete XXXX on behalf of wells fargo. they took the money out of my account at the time of the transaction because it was approved Wells fargo I want you to remove that XXXX over draft fee asap ... this is a complete rip off of your bank!

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 2019-01-31 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: PA

Complaint narrative:
My infomation was stolen and used in attempt to open fraudulent accounts. my information was also exposed in 2 recent data breaches XXXX AND XXXX XXXX BREACH.

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