vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-04 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone moved into an apartment using my information using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX XXXX ( Both accounts ) This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up another car loan using the same social security number, birthday, etc. I had already bought a car here and they took advantage from XX/XX/XXXX. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

I have attached a police report proving this, so please remove it!

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 2018-09-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: MD

Complaint narrative:
I noticed this company on my credit report not once but twice with the same amount of debt with two different account numbers. I attempted to call the company and advise them that they should contact the school regarding the matter. I was a involuntary withdraw from online classes due to a car accident that left me incapacitated during the time class were in session. Therefore the debt that have as owed is incorrect. I gave the company my attorney information however, they have since done nothing about this. Not only do school policy relieve me of financial obligation but so do federal regulations. I was hospitalized for almost one month putting me behind in the class. I was not able to attend and NEVER logged back in after the accident happened. I only called the school to advise them of what happened some time after by way of attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: CA

Complaint narrative:
Experian FAILED TO EXPLAIN in a recent complaint to them ( submitted through the CFPB! ), WHY a POSITIVE CREDIT ITEM WAS REMOVED FROM MY CREDIT REPORT BEFORE 10 YEARS HAD ELAPSED! Experian 's response to me over the previously submitted complaint, stated that EXPERIAN 'S " credit report policies '' keep a " positive credit item '' on a consumer 's credit report for 10 YEARS ( my positive item-a STUDENT LOAN PAY OFF! ) was removed after only EIGHT YEARS! WHY? 

WHY does Experian REFUSE TO ANSWER QUESTIONS SUBMITTED TO THEM, even through CFPB?

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 2018-09-04 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone moved into an apartment using my information using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX XXXX XXXX Both accounts ) This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up another car loan using the same social security number, birthday, etc. I had already bought a car here and they took advantage from XX/XX/XXXX. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

I have attached a police report proving this, so please remove it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Due to Risk and online fraud.I was told to go into a banking center.I went into a banking center.I spoke with a Financial Center Manager and Asst Vice President XXXX XXXX XXXX..I went into the Bank of America located XXXX XXXX XXXX, MD XXXX XXXX.He was very unprofessional He throught it was a joke and his customer service was poor.I grew upset and called him a clown and told him I will see him in court.I was told by the risk dept to go into a banking center.So they could call risk dept verify who I am and open up the account.I would like my account reopen asap.It causing me emotional and mental distress ... .Why wasn't I able to open to open an account.I did everything they told me to do.I was still denied equal access to the bank opportunities.I want my account opened back up.Why was the account open ... .I want my account opened back up.Mr.XXXX XXXX XXXX need to be reprimanded for not be professional and not having the awesome customer service.I would like to know why didn't he do his job.Why didn't he make the necessary calls to Bank of America Risk Closure dept to let them.I was at the banking center and want to open up an account ... They told me All I had to do was go inside a banking center verify myself and the account would be reopened. 

If my accounts are not reopened.I will file a Federal Class Action Lawsuit for XXXX XXXX dollars in Federal Court US District Court .The lawsuit will be against Mr. XXXX XXXX XXXX Financial Center Manager and Asst Vice President and Bank of America

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 2018-09-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: MA

Complaint narrative:
It was not stated which states this was not allowed in and what states capped the finance rate. 700 % is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX I received a letter stating that I owed a XXXX bill from my old telephone/tv service account as an early termination fee. I did not terminate service I merely moved across town and kept the service, they would not resolve the debt and it was in the hands of Eastern Account System of Connecticut. At that time, I made a payment of XXXX. The remaining balance I did not pay, it was a complete oversight. I DID NOT receive a reminder call, letter or email. I sold my house and am in a new home, I am a widow and mother of XXXX  seniors going to college, I would have expected a little understanding with my situation. I am financing my new home now and a collection debt for XXXX is on my credit report lowering my rating dramatically. I called up the company, I made another {$25.00} payment and said I would like to settle this account, the balance is XXXX, I told the agent " XXXX XXXX '' XXXX ext. XXXX, I would like to pay it in full, she was rude and said she was not going to remove it from my credit report, I can pay it but her company DOES NOT remove negative or derogatory remarks from credit reports. This collection agency " Eastern Account System of Connecticut '' did not follow up with me, they DID NOT make any attempt to clear this up and when I am now trying to resolve this matter, they will not remove the negative from my report, lowering my score 30 points! I am trying to move forward and this company is abusing its power and is not working with consumers for a positive result, they appear to be against the consumer and on a mission to ruin people 's credit scores regardless of whether they pay or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
I closed or cancelled my account for phone service paid in full at the time. I then switch cell providers. They ( XXXX XXXX closed 2 lines leaving a third line opened. Several months went by and I get a bill for 7 months of service. I contacted customer service with my issues to resolve amicably but to know avail. They continued to charge me for service I did not use. This is felonious in nature and should immediately be removed. I did not notice nor was notified of collection until I started looking for a house. This is keeping me from getting a mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Total Card, Inc.
State: AR

Complaint narrative:
ON XX/XX/XXXX I submitted a complaint with the CFPB about The company TOTAL CARD INC ... total card was sent a certified letter asking for proof of the account which I asked for the original signed contact,,, so this why I filed a complaint with the cfpb,,, they failed to send me the proof within 30days,,, they responded back to the cfpb stating that they sent the attached original contract with the first response,, that was not true,,, there was no original contract attached to the 1st response,,, so I refiled another complaint because no original contract was attached ... this is not right the company was given ample amount of time and chances to provide the proof that I requested.. its been way past 30 days and I have yet to receive my proof of contract with the original signature on it,,, total card responded to the 2nd complaint on XX/XX/XXXX stating on XX/XX/XXXX that the original was mailed, as of XX/XX/XXXX, ,today is XX/XX/XXXX and no mail has came to me,, this is not right this company has violated my rights as a consumer and the account needs to be removed from my file,,, the account is reporting inaccurate on my credit reports,,, please delete the accounts from my file,, or I will filing a small claims,,,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On Wednesday, XX/XX/XXXX at XXXX XXXX I called Navient and spoke with XXXX ( employee # XXXX ). I was calling to switch my payment plan to my checking account instead of my card due to missed payments. He asked me if I could make a payment that same day and I said no, next week, meaning in 8 days as I get paid biweekly. He said that there hadnt been a payment in 2 months and I explained it was due to my card information. He then explained to me that I would have to make a payment now because my account was past due. He asked me if I noticed that I had extra money in my account and how come I spent it? He said how come you spent that money? At that point I told him that I needed to change the account information so that from now my payments would be deducted from my account directly and he stated to call back when you have the money and then hung up. I was so upset from this conversation that I didnt call back the company until another 5 days after to resolve the issue. When I did call back, I had to problems with the customer service representative I spoke with and everything is now resolved. XXXX was extremely rude and not professional. He asked about my personal spending and wanted to know why I spent the extra money. What if I had an emergency situation? Who is he to ask this information? I have been dealing with Navient since I graduated school in XX/XX/XXXX and I have had rude representatives, but none as rude and unprofessional as he.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: PA

Complaint narrative:
Selene Finance was paid on XX/XX/17 and this payment as of today has still not been applied to my account. 
I have sent them 2 months worth of bank statement ( XXXX and XXXX ) and a letter from my bank and yet they still have taken no action. They claim they didnt see me logged in online or spoke with a rep that day. That continues to be there reason, ignoring the verification I have sent to them. 
I have been disputing this for over a year now and my mortgage continues to show 1 month behind. 
They are the worst company I have ever dealt with!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
TCS, Inc ( XXXX XXXX XXXX ) first contacted me at work in XXXX. I have requested i not receive calls by this " XXXX XXXX '' at work. A letter was sent to my work corporate office. Letter was given to my HR representative on XX/XX/XXXX with my SSN asking for employment verification, date of hire, hours per week work. She had not responded to their request and sent me the letter and asked for my permission to submit. I told her no. Since then she has been calling my cell phone numerous times, sometimes 2X in a row and work number often. Each time i verbally tell her do not call me at work. This has been going on for almost 2 years. On XX/XX/XXXX at XXXX she called in and I hung up. She called back and told my receptionist that she wants to speak with the office manager. Without knowing the subject of the call, she spoke with her and requested that my HR rep give her a call. This is illegal practice and goes against the protection act. i have reported to the XXXX about XXXX, but they have not responded back to them. Amount is for around {$3000.00} when i had my baby and my insurance wont pay because my Dr. used a Dr without a referral during the 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 2018-09-04 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
I was charged for a cash advance before XXXX and Discover can not till me when it was authorized because they can only go back 7 years. This account has accrued interest 28.99 % to a balance of XXXX. They have shown a cash advance balance of XXXX in XX/XX/2011 they said that's as far as they can go back. I never had a cash advance during the past years I have made purchases but no cash advance. Now the company tells me my balance of XXXX is related to a cash advance and high interest of 28.99 % for a cash advance that I never made no purchases included. I have spoke to them several times in the past 140 days and also the fraud department twice with no resolution and they cant show me where the cash advance came from because they stated that they can only go back 7 years. I spoke with them again today and spoke with XXXX in Ohio and she would not give me her id number. Please help with this. In reality there will be no way I can pay this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank, has decided on their own to pay debiting items through debit card coverage and then charging me outrageous overdraft fees. I am unemployed and I do not have any type of income coming in through unemployment insurance or any other monies. 

I went to the XXXX, XXXX branch offices on XXXX XXXX XXXX XXXX XXXX XXXX Branch location. The banker stated that there was nothing they could do to help reverse the fees and offered no other assistance. All of the problems stem from XXXX XXXX XXXX and XXXX XXXX XXXX processing debits a week or rwo before the scheduled due date. Both companies blame Wells Fargo because they processed the ACH file sooner then what was requested. Both XXXX XXXX and XXXX XXXX XXXX will not refund me any of the fees I was charged by Wells Fargo. Because they state it wasnt their error it was Wells Fargo Bank error and both companies have no control over that. 

I am broke and feel that I am being taken advantage of because I dont have any monies to survive this problems I am faced with now. 

I am asking for your assistance to assist me in obtaining amicable resolution to this burden that has me all stressed out and in financial ruin. 

Thanks,

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 2018-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
The company did not credit my account a {$300.00} bonus that was promised on XX/XX/XXXX. My funds were in the account and I followed the directions the banker gave me and upheld the minimum balance requirement within the deadline. I was told that I would not receive the bonus despite the fact that I met the account requirements. 

This is behavior is unethical and appears to be a retaliation from the bank because of my recent interactions with CitiBank and my XXXX CitBank credit card.

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