vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc.
State: DC

Complaint narrative:
Recently refinanced a XXXX loan with XXXX XXXX via the servicer LendKey. Due to the high cost of my student loan payments, I typically work with the loan servicers ( I 've had 2 different servicers prior ) to adjust the due date to the XXXX of each month. This helps me to spread large bills to different paychecks. <P/>I reached out via phone to LendKey in XXXX 2016 to change my automatic payments to the XXXX, and they refused. They accept payments only on the XXXX of each month. This can cause an undue burden on borrowers who rent ( among other examples ) because rent is typically due on the XXXX of the month. <P/>They had no substantive answer other than " The due date is at the discretion of the lender. '' LendKey is the first and only loan servicer I 've seen who refuses to grant this simple ( but impactful ) request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
I have had an open on account with XXXX XXXX XXXX XXXX XXXX ; this was a contract that was picked up by XXXX XXXX. My original contract was with XXXX XXXX XXXX. They went out of business this year and XXXX XXXX offered to allow use to their facilities. This was true as of XX/XX/XXXX, XX/XX/XXXX.
On XX/XX/XXXX I mailed out cancellation notices regarding my account -- a XXXX XXXX also sent the same notice. ( this is relevant because my account is charged for both XXXX and my gym membership. ) On the following day ; I sent a notice of bank transfer authorization notice ; in the letter i state that any authorization that once had been given was fully revoked, effective immediately. I also made sure to send a copies of both notices via email to both ( XXXX ; and XXXX ) OnXX/XX/XXXX I called my bank XXXX to let them know I had revoked any rights to transfer of funds to the specific XXXX XXXX and their billing unit XXXX XXXX. My bank said that to uphold such rights to refuse use of my banking account, i would need to pay {$30.00}. I refused because it seemed outrageous to charge me {$30.00} to stop pay on {$20.00} gym memberships. To date I have now been charged two separate {$10.00} transaction from XXXX XXXX. My original contract was for one ( 1 ) year startingXX/XX/XXXX and it was effective for 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX I received a letter from Wells Fargo Education Financial Services offering to settle on an outstanding loan ( I assume private Student Loan ) that I did not know existed. The settlement amount was XXXX I immediately responded listing my concerns but did not get a response but on XX/XX/XXXX. received just another copy of the XX/XX/XXXX. settlement offer!

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 2017-07-03 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: IL

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX : I requested validation/substantiation of a collection claim from XXXX XXXX XXXX XXXX XXXX in the amount of {$220.00}. No response was received at all, so I took it a step further and contacted TransUnion. ( followed the same steps for XXXX and XXXX, XXXX  removed the account after their investigation but TransUnion and XXXX continued to report this negative account on my credit report and hence this complaint. <P/>XX/XX/XXXX : I requested TransUnion investigate and remove the account due to XXXX XXXX XXXX XXXX XXXX failure to reply ( provided a copy of the letter that I sent to XXXX XXXX XXXX XXXX XXXX ). <P/>XX/XX/XXXX : TransUnion responded indicating that their investigation was complete and the item was verified. <P/>XX/XX/XXXX : I requested the method/explanation of verification in a very detailed letter. <P/>XX/XX/XXXX : TransUnion responded with a duplicate of the letter received datedXX/XX/XXXX, the only difference was the date. <P/>My request was completely ignored ; at the bottom of the TransUnion cover letter it indicates word for word, " if interested, you may request a more detailed description of how the investigation was conducted along with the business name, address and telephone number of the source of information. '' My requests were mailed certified, I am not only losing money but also spending time on detailed correspondence which is not read by a human, this is obvious because I am receiving duplicate automated responses.

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 2017-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My problem involves affecting home repairs from storm damage at my home. I am behind on my mortgage but am actively working with the bank to find a solution to keep my home. I have a claim check for {$8000.00} to make repairs with another {$1500.00} available when repairs are completed ( through my insurance company ). My insurance check is made payable to myself and Wells Fargo. My lender is insisting on using a managed claim process normally reserved for large claims and major repairs. Neither applies in my case. In addition, there is a myriad of paperwork that must be submitted before payment can be made. Because of this process, contractors will not perform the work. It is not reasonable to expect a oontractor to receive payment in thirds for one day of work and the paperwork requirements make it not worth their trouble. I have told the bank that I would welcome an inspection once repairs are completed as I need to do that for the insurance company anyway. Wells Fargo still insists that they manage the claim. I have applied again for an exception and am waiting to hear. Wells Fargo has a terrible reputation in our area and is known for holding insurance money unreasonably and not paying contractors on a timely basis. I have no confidence that Wells Fargo will actually pay the contractor if I commence work. In the end, I just want my roof repaired and my ceiling fixed. We have been getting the run around for over a month just to get to a " no ''. I feel that the bank is being completely unreasonable given the dollars and scope of work to be performed

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 2017-07-03 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: TX

Complaint narrative:
I have made three separate requests for Transunion to either provide physical verification of the original signed consumer contract -any and all accounts you post on a credit report per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Instead of providing the physical verification I have requested, they have treated my letters as disputes and provided a print out stating that they have verified the disputed accounts. If the FCRA requires credit reporting agencies like Transunion to keep on record physical copies of consumer contracts and other documentation and that they be able to produce this documents upon request or delete the items from they should do so without having to be goaded or having a complain filed against them. <P/>According to the sworn testimony of XXXX XXXX XXXX before the Subcommittee on Financial Institutions And Consumer Credit of the COMMITTEE ON FINANCIAL SERVICES on XXXX XXXX 2003 the  credit reporting agencies are flouting the FCRA and allowing furnishers of the report ( creditors and collection agencies ) to manipulate the CRA requests to ensure that all both companies records match. ( 1 ) Transunion has cleared three of the original derogatory remarks for which they can not provide verifying documentation. However 4 such marks still remain and no documentation has so far been provided. <P/><P/>1 ) See attached testimony particular pages 9-10 of the XXXX XXXX 's testimony. Or view it here : https : //financialservices.house.gov/media/pdf/060403lb.pdf

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 2017-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
X/X/2017, These charges are all fraudulent. I did not make them. They must be reversed. All " SECURITY DISPUTE ADJUSTMENT '' must be LOOKED INTO and refunded to me. <P/>XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$700.00} XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$360.00} XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$360.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: AZ

Complaint narrative:
Hi, a little ov er two a m onth ago ( I 'm not sure on the exact date ) I downloaded an app on  my iPhone  called  XXXX   XXXX   (  an app that was supposed to track how much you spend a month on subscriptions  ). I  ended up deleting it after putting my  XXXX   XXXX  credit card information. On  XXXX   XXXX  I got charged by Experian  Credit Rep with {$1.00}, which  I did n't think much of. I thought maybe it was the app or something else. Then it charged my same account again on  XXXX   XXXX  for {$21.00}. Confused, I called Experian to figure out what was going on, but after maybe  10  minutes waiting on hold I hung up and hoped it would resolve itself. Unfortunately it did n't, I was just charged again with {$21.00} today,  XXXX  the  XXXX . It 's odd because these charges are always in the middle of the night. Now I 'm not completely sure if  XXXX   XXXX  is the origina l one  to blame here but by my actions and time table of the charges, this is my best guess. I 'm going to try to call Experian again today and hopefully get this resolved.. The fact that I ca n't even clearly recall how I somehow signed up for what seems like a {$21.00} financial subscription is why I am filing this complaint. Please feel free to contact me if you need any more 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 2017-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I started the modification process in XX/XX/XXXX with Bank of America. They have all the paperwork. I was told they received everything in XX/XX/XXXX. They have medical records from my doctor stating I would be off work until XX/XX/XXXX. FMLA paperwork included in the paperwork. I was not getting paid during this time. When I returned to work I began making payments again to Bank of America in XX/XX/XXXX the payment was returned and I was told that XXXX was my new services. I made my payment to XXXX and have been making regular payments ever since. XXXX with XXXX has informed me that Bank of America has not forwarded ant paperwork. XX/XX/XXXX is the final day to cure the default. I started the process prior to my XXXX  as I knew I would fall behind now I 'm am faced with  foreclosure because of Bank of America 's negligence. Bank of America needs to forward all paperwork to XXXX immediately. Their attorney needs to get the issue resolved instead of sending be the nonsensical paperwork saying that they did their job, they did n't!

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 2017-07-03 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: VA

Complaint narrative:
I have contacted Transunion by telephone and by mail on five occasions. I have an active fraud alert and credit freeze on my credit report, however ; inquiries and unsolicited credit offers continue to occur. I was told by Transunion that I must have a police report to remove fraudulent inquiries that I did not authorize. As a credit reporting agency, Transunion should not provide a copy of my credit report without my consent to creditors unless i have an existing relationship with them. The following inquiries were not authorized by my and I demand that they are removed. I believe that Transunion is discriminating against me based on my gender and ethnicity. I provided Transunion with dates and the name of each company. I did not authorize these inquiries. <P/>XXXX XXXX XXXX VIA XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX VIA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/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 2017-07-03 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: NY

Complaint narrative:
I have excellent credit.  XXXX   XXXX  inquiry should be removed    XXXX    2017   . Still appears according to my credit card company. Removing it would cause my score to increase  XXXX  to  XXXX  points. Tried to access report #  XXXX  online to dispute. Could not.

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 2017-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On the XX/XX/XXXX I made a transfer ( MTCN XXXX ) of {$5000.00} from my XXXX XXXX  account via Western Union to my XXXX Account in XXXX for a medical emergency and got a confirmation that they money will made made available on the XX/XX/XXXX.While this transfer was being processed and pending and initiated a second transfer ( MTCN XXXX ) of {$5000.00} from my XXXX XXXX via Western Union to my XXXX account on the XX/XX/XXXX for the same medical reasons and I got a confirmation to receive the money on the XX/XX/XXXX.
<P/>
On the XX/XX/XXXX, I got and email from Western Union that my first transfer is cancelled and I called to know the reason and they could not give me any reason. All I was told was " the web department is closed '' and that my money will be refunded back into my account. Because of the bridge of contract on my first transfer without any reason, I asked for the second to be cancelled and refunded back so that I can use other means to address my medical emergency. They only processed the first transfer and I can not access the money for the second transfer even though it has left my account and I still ca n't use get it back. The customer services personnel told me different things that does not make sense and at this time I am in between not having the money they already took from my bank account and facing a huge financial dilemma due to pressing need to provide the fund abroad.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: TX

Complaint narrative:
I have made three separate requests for Equifax to either provide physical verification of the original signed consumer contract -any and all accounts you post on a credit report per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Instead of providing the physical verification I have requested, they have treated my letters as disputes and provided a print out stating that they have verified the disputed accounts. If the FCRA requires credit reporting agencies like Equifax to keep on record physical copies of consumer contracts and other documentation and that they be able to produce this documents upon request or delete the items from they should do so without having to be goaded or having a complain filed against them. <P/>According to the sworn testimony of XXXX XXXX XXXX before the Subcommittee on Financial Institutions And Consumer Credit of the COMMITTEE ON FINANCIAL SERVICES on XXXX XXXX 2003 the credit reporting agencies are flouting the FCRA and allowing furnishers of the report ( creditors and collection agencies ) to manipulate the CRA requests to ensure that all both companies records match. ( 1 ) XXXX has cleared two of the original derogatory remarks for which they can not provide verifying documentation. However three such marks still remain and no documentation has so far been provided. <P/><P/>1 ) See attached testimony particular pages 9-10 of the XXXX XXXX 's testimony. Or view it here : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: NY

Complaint narrative:
Equifax did not comply with the Fair Credit Reporting Act, Section 609 and 611, in  regards to conducting a reasonable investigation of my dispute against inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them. On XX/XX/XXXX, I obtained my credit file and noticed that Equifax had accounts listed on it that were inaccurate. On XX/XX/XXXX, I sent, via USPS Certified Return Receipt, a dispute letter which also asked for the Method of Verification that they used for the accounts that were inaccurate and the files that they had which they used to verify these accounts. Equifax received my dispute letter on XX/XX/XXXX, according to the USPS which I have proof of. Equifax sent a letter back to me stating that they verified that the disputed accounts belonged to me but did not send me their method of verifying these accounts. I sent another letter on XX/XX/XXXX, via USPS Certified Return Receipt, asking Equifax how they verified that these accounts were mine and that they were accurate. Equifax received this letter on XX/XX/XXXX which I have proof of. Equifax once again sent me a letter stating that the disputed accounts belonged to me but did not send me their method of verifying these accounts. I am distressed that Equifax continues to break Federal and State laws by not conducting reasonable investigations to my credit file when I ask them to which caused damage to my reputation, my credit score and causing me lost opportunities to seek credit. The accounts I am referring to are : XXXX XXXX XXXX XXXX # XXXX There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX XXXX/XXXX XXXX # XXXX There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
This Credit Agency states that my credit score is half of what the other agency says. In order to request a copy of the report I am required to send the follow per their website : Please provide the following information to request your consumer report : 1. A written request with signature that includes the following information : First name, middle name, last name, suffix ( if applicable ) Current address including ZIP code Current phone number with area code Social Security number Date of birth ( month, date and year ) 2. Copies of at least two of the verification documents listed below that substantiate the personal information that you provide as listed in Step 1 : Current state-issued drivers license or other current Government issued identification ( such as a passport ) Recent cable, utility or phone statement, produced 60 days ago or less Social Security card Birth certificate U.S. passport picture page Alien registration card Voided personal check with your current preprinted address Send your request to us at : Secured fax : ( XXXX ) XXXX Or Postal mail : SageStream , LLC Consumer Office XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX As I do not know who this is nor have I ever heard of them I do not feel comfortable sending that kind of information to them. In searching for answers I see several reviews that they are a scam and do this to keep your credit score low to get higher interest rates. There needs to be a better way to get the information they are reporting with out giving them everything to steal my identity. Also if they are a credible resource then the public should be made aware. <P/>Also, a key factor that adversely affected my score was listed as : Distance between address and area code of phone. That is just ridiculous. Why would that effect my score?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation