vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XX/XX/19 someone hacked into my wells fargo account - changed my passwords and transferred {$200.00} in 3 different transactions via XXXX - i have never used and did not even know that XXXX was available through my account - i contacted wells fargo the very same day it happened - i then filed a police report with my local police department - i was then told that my case would be sent to the fraud dept and they would tellme if i was going to be able to get my money back - i finally recv 'd a call back on XX/XX/19 stating that i had lost my case. I am at a loss as i do not know what recourse i have at this point

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 2019-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
I called Calvary Portfolio SE and disputed alleged debt. I also sent a letter which was written in XXXX and ask them to verify assumed debt. When I spoke with them and provided varied discrepancies, they kept on pushing. It was just too much, so much so that I told them to refrain from calling me. The calls were too much. 

After writing said letter, I am still waiting on the above named credit agency to verify assumed debt. I have received no correspondence from them as it relates to verifying assumed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Reference Consumer Report # XXXX. Victim of ID theft. Not satisfied with the investigation. From start only account liable for is XXXX. Unemployed only reason have not made any payments. Will honor the debt ASAP. Other accounts totally unreasonable. Just refer to my comments in disputing that report. XXXX XXXX only agreed to cosign 1 loan  for {$2000.00}. Now it turns out to be who knows what. Was unemployed at the time was asked to cosign a second time. Definitely could not pay another loan. Seems to me very lax, irresponsible to be even considered as a cosigner if I could not pay. Definitely not liable. With regards to Human Services account being delinquent of {$140.00}, never lived at the address in XXXX XXXX which was used. Absolutely never received any payment or money from that institution. Never opened an account with XXXX XXXX, XXXX. Definitely should be taken out of that report. Seems not to accurate information or a poor job was done. Definitely will follow with the companies involved personally to try to clear it up. Thank you for your kind attention.

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 2019-09-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
IamtryingtoapplyforamortgagebutXXXX,XXXXandExperianwerenotreportingmyscore.DidsomeresearchandfoundoutthatIneedtocontacteachoneandaskthemtoremove"DisputeComments''sincethedisputewasalreadyclosedwithmyvisawhichIhada30daylatepaymentinXX/XX/2017.IwasabletofixthiswithXXXXandXXXXBUTcannotdoanythingwithExperian.WhenIgoonlineIgetascreenthatstates"DisputeCantbeprocessedonline''PleasecallXXXX.Ihavebeencallingthatnumberwhichisonlyarecordingwithmenu'sandthenhangsup.IhaveXXXXallnumbersandhavebeentryingtocallthereforweeks.ItsfrustratingbecausethereisnothingIcandoandnowaytogetintouchwithanyone.Thereisnotchatsystemorevenanemailwheretosendaletter.Howcanthiscompanycompletelyruinmycreditlikethiswithoutprovidinganyoptionstofixit????

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 2019-09-27 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: CO

Complaint narrative:
Equifax and XXXX are reporting incorrectly a collection in the amount of {$600.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was working with the V.A. along with the apartment complex where I was residing. We were able to come to an agreement for payment, which I fulfilled. Unfortunately, shortly thereafter the apartment complex was sold and a new management company came on board and refused to work with the V.A. in any capacity and consequently I was asked to vacate the property. This collection from the apartment complex is false and should not be appearing on my credit report. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I called XXXX XXXX XXXX and disputed alleged debt. I also sent a letter which was written in XXXX and ask them to verify assumed debt. When I spoke with them and provided varied discrepancies, they kept on pushing. It was just too much, so much so that I told them to refrain from calling me. The calls were too much. 

After writing said letter, I am still waiting on the above named credit agency to verify assumed debt. I have received no correspondence from them as it relates to verifying assumed debt.

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 2019-09-27 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: TX

Complaint narrative:
I was a added as a authorized signer to a existing XXXX XXXX XXXX credit card, I never signed anything in writing, electronically, or by any other method agreeing to be responsible or to pay and debts. The card holder later filed bankruptcy to which I was not a party too, and the credit card default was added to my credit file. I disputed the reporting with the credit bureau and explained that I had to signed anything or agreed to anything with the credit card company, I received a answer just stating the account was found to be valid. I mailed a letter requesting to be provided proof of my liability which went unanswered. I dont have any files to upload simply because I never applied for the card, received a statement for the card, or had any dealings of any kind with XXXX XXXX XXXX concerning the 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
Consumer complaint received 2019-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have had student loans with XXXX  XXXX XXXX somehow attached with Navient. Years back ( approx 15 years ) I went into default during a period of time that I lost my job and there was a mix up within the auto pay and application of deferred payments. At this time I was placed into default of my loan. Since that time until today I have been 100 % up to date with my loans but have tried with the company to have me removed, because of the negative impact to my credit score, from default. I have been up to date and current for well over a decade and they said it is completely out of their hands to remove me from default until 100 % of the loan is paid in full. On top of that last year ( XX/XX/2018) an additional approx {$5000.00} charge/loan was added to my defaulted loans that had nothing to do with interest charges and all attempts to find out where this came from have lead to receiving zero answers from the XXXX XXXX XXXX. I feel like I am being withheld information or given wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
e purchased two pieces of furniture from XXXX XX/XX/2018. We sent the first piece back with no problems, but the second piece we sent back was a month out. We called the company to confirm that someone could pick up the furniture because it was damaged and we didn't want it. They agreed and we paid a XXXX dollar re-stocking fee with them, however, they keep sending us bills for the furniture and we've already paid the re-stocking fee and anything that goes along with it. Now they're saying because of late payments for a couple of months, that we owe them up to {$490.00} for late payments when we don't have the furniture in our home and it was already supposed to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AK

Complaint narrative:
I was working with AmeriSave with on a refinance, and after reading your report of XX/XX/2014 they are doing the same thing. They intentionally mislead me on every step of the process -low interest rate, closing fees, which changed during the process. I had to pay up front {$500.00} just to move forward with the process, they assured me that this would be a quick, and that I had plenty of equity in my house,, and that I had nothing to worry about. I started the process around XX/XX/XXXX and went back and forth with them until the loan was about to close on XX/XX/XXXX. I spoke with them several times ( every time I was sent new disclosure documents ) because I couldn't see how the numbers were adding up and how it would benefit my current mortgage amount. They assured me that I would be saving more than {$300.00} a month on my new mortgage, plus being able to write off the amount I spent in points on my taxes, skip a few payment ( they really dangled the carrot ), well when I got my final closing documents it was revealed ( only after I crunched more numbers ) less than a savings of {$27.00} dollars a month and would cost me over {$8000.00} in closing fees. The last phone call I had with them on the XX/XX/XXXX the lender agreed with me and said they missed looking at my initial mortgage amount and that YES this refinance doesn't make sense. I'm demanding that they refund my {$500.00}. This is just a brief description of what 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 monetary relief
Consumer complaint received 2019-09-27 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:
The listed accounts do not belong to me. I have filed an FTC complaint and I Have also written the companies. Someone is using my credit. I hired a private investigator and found out who and submitted that info to the authorities. 

XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX {$170.00} XXXX XXXX   {$700.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX The following inquiries are also the result of 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 XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: CO

Complaint narrative:
Equifax and XXXX are reporting incorrectly a collection in the amount of {$600.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was working with the V.A. along with the apartment complex where I was residing. We were able to come to an agreement for payment, which I fulfilled. Unfortunately, shortly thereafter the apartment complex was sold and a new management company came on board and refused to work with the V.A. in any capacity and consequently I was asked to vacate the property. This collection from the apartment complex is false and should not be appearing on my credit report. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this however, I have not been successful.

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 2019-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I had a car from XXXX XXXX and I got really sick and couldn't afford the car and I called the company and told them I couldn't make the payments anymore they told me to take the car back to the dealership and drop it off this was 2017 now they are calling me for XXXX dollars

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 2019-09-27 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: BB&T CORPORATION
State: TX

Complaint narrative:
I called my personal banker and I asked her for 24 months bank statements on 3 accounts because I needed it for court. She said she wasn't in the office and couldn't do it but call the branch and see if they could. I called and XXXX said she would do it for me no problem. I said thank you and she did it. I picked them up and she told me her birthday was coming up. I asked her what she likes and she said scented candles. I came back 2 weeks later and gave her scented candles on her birthday. The next month I was surprised to see a {$170.00} service charge for each account. I also had 2 to 3 overdraft charges of {$36.00} each on each account because the service charges over drafted the accounts. I immediately called my banker XXXX XXXX and I asked what are these service charges. She told me that is what they charged to give me my bank statements. I told her that no one ever said they were going to charge me to provide this service. A charge was never mentioned because if it was, I would have said no! I asked for my money back as well as the fees and they are ignoring my request. I have called, text and emailed and I have been ignored! No response. The whole ordeal has cost me approximately {$580.00}! I want my money back. If you were going to charge me, you are suppose to disclose your charges and fees. No one said anything to me about a fee. They made it look like they were providing service like a bank should. I save you money by doing eStatements. The least you can do is print them if I ask you for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: TX

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email from LoanMe that specified to make a good faith payment since they were unable to collect their payment on the usual date around the XXXX of the month. I had previously discussed with them in XX/XX/XXXX, by phone, that I was not working and that my partner was going to pay them on the first of each month. I had also received the same email the previous month and did pay them by the first of XX/XX/XXXX the regular payment amount that they were asking which is around {$300.00} since I would owe a late fee as well. When XX/XX/XXXX came around they sent me another email also with the same information and that I had to pay before the first of the next month. I emailed them back and told them that I would only be able to pay them by the first of the month and that they would receive the amount that they usually do plus the late fee. The company knew how to get a hold of me and knows where I am. On Wednesday, XX/XX/XXXX at around XXXX XXXX. I received a message from my Father that a man named XXXX was trying to get a hold of me and wanted my information. I then called LoanMe and informed them once again that I would make a payment on the first of the month, I also discussed with them that they did not need to call my parents since I have had contact with them, they did admit that they called my parents and that they would not do that again. I believe it is unlawful, illegal, or otherwise not appropriate to do so. As far as I know, there was no reason for LoanMe to call a third party to get the contact information from me when I have had contact with them previously. As well I am no longer working but still have been making duly noted payments, though the interest rate is high. My payments have been somewhat late, but not beyond the grace period and will continue to do so. 
I am not sure if there are any other things about my loan that are against the law, LoanMe would not send me any information about the original loan agreement even though I requested it from them a month ago. They will only send me what they want me to sign which is a new agreement. I will provide a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 non-monetary relief
Consumer complaint received 2019-09-27 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: FL

Complaint narrative:
Equifax and XXXX are reporting incorrectly ( 120 ) days late on XXXX - partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 8-11 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: FL

Complaint narrative:
XXXX and Transunion are reporting incorrectly ( 120 ) days late on XXXX - partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 8-11 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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