vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
The imposters claiming to be a police officer reached out to me through a XXXX police department number and said that my SSN has been used to open illegal accounts. The fake police officer then " transferred '' me to an alleged member of the FBI, whose fake name is XXXX XXXX. The member of the FBI said that my SSN has been involved in various suspicious activities including money laundering, drug trafficking, stolen vehicles, etc. He said that my bank account has been mixed in with the accounts of the people who have stolen my identity and told me to wire transfer money out of my CD account and into a given account number so that they can " help sort through the bad accounts. '' I did as he asked for my Discover account and scheduled a wire transfer of {$15000.00} at XXXX ET on XX/XX/2019. 

On the Discover wire transfer confirmation, it clearly said that for the wire transfer to send today, I must call for a verbal confirmation by XXXX. However, since I made the transfer at XXXX ET, by the time I granted the verbal confirmation it was already past XXXX ET, so the payment shouldn't have sent. Later when I realized that this has been a scam, I reached out to Discover, I was told that the {$15000.00} has already been transferred out of my account, and they can only put out a recall for the transfer. 

As of right now, I have a case opened with Discover for the scam as well as an official police case number. The Discover customer service agents have been extremely helpful and closed out the bank account that was jeopardized, and I am hoping that Discover can successfully make a recall from the imposters. However, I do think that the way the bank allowed a transaction made right at the cut off time and authorized after the cut off to go through on the same day is misleading to the customers. If the policy were actually as listed on the confirmation page, the {$15000.00} would still be a pending transaction when I called the company and this could have been salvaged with damages. Based on this experience, I don't think Discover has actually protected my account as what they said they would do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
I have disputed this account, because it is inaccurate, I have also requested validation of the debt. In communication with the XXXX   XXXX and XXXX, I made the process, having no results and return this account as verified, formally request, debt validation, instead XXXX   XXXX  responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Tower Loans has been a horrible company to work with from the beginning. They repeatedly use harassing and strong arm tactics for collections. Including numerous calls a day, and calls to other people about your loans before you are a day late.Tower Loan in MS has now pulled hard inquiries on my credit without authorization. This loan was charged off and account closed in XX/XX/XXXX and they still make hard inquiries every couple of months. 

Inquiry details Twr Ln-sys Inquiry from XX/XX/XXXX Finance This inquiry could stay on your report until XX/XX/XXXX. 
Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from 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 2019-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
I would try to reach someone in the company and they are hard to get a hold of. I made 4 payments and they stopped taking the payments out. Then I repeatedly tried to get a hold of someone and their phone system is useless. They have now garnished my bank act instead of place of work which I have never heard of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have disputed this account, because it is inaccurate, I have also requested validation of the debt. In communication with the experian equifax and trnsunion, I made the process, having no results and return this account as verified, formally request, debt validation, instead XXXX XXXX responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Immediate Credit Recovery
State: CA

Complaint narrative:
Immediate Credit Recovery, Inc. wants me to pay {$860.00} per month as a repayment to my student loan. I have been making regular payments for over one year, and have paid off many previous students loans in good faith in the past. I returned to school to earn my XXXX XXXX XXXX and these loans were supposed to be deferred, but were mistakenly not deferred so I was sent into default. 

I am a good person, who has every intention of repaying my student loans ; has demonstrated a good repayment history over the past 12 months and would prefer to make direct payments to the US Department of Education. I can not afford the {$860.00} monthly plan this debt collector put me on. They are unreasonable and are unwilling to work with me. REF account # XXXX Please help me resolve this so I can pay the US Dept of Education directly. I appreciate your support. Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: PR

Complaint narrative:
On XXXX, XXXX, 2019 while traveling on XXXX XXXX XXXX from XXXX XXXX, Puerto Rico to XXXX, NY I was offered a XXXX XXXX credit card application. I just received a denial because I am a Puerto Rico resident. This is a discrimination based on my national origin. 
XXXX officials handing applications knew that people on that flight were PR residents. Nobody stated that this was a card exclusively for USA residents.

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 2019-06-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
After I had lost my wallet, in where I believe had to be in XXXX XXXX, Nj, someone used my card and deposited and fake check and was able to take out money.Bank of America did not catch this fake check at the time, they also took out more money from that same check days later at another bank.Bank of America still does not notify me or say nothing to me.They said the claim would take 45 days and I waited all of it and even after the time was up, they did not have an answer so a complaint was filed and they sent my case ti the supervisor.Days later they still think i deposited this check.They told me to file a police report to continue the investigation, which I will because as I said before it was not me. I cant just be blamed for something I did not do when there are video footage of whoever did this on both banks.They say they need a police report to be able to use the footage in the investigation so I will do a report .I need help as soon as possible

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 2019-06-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
My second loan mortgage company from XXXX is demanding {$65000.00} principal balance and a additional {$23000.00} late fees and delinquency fees to stop the foreclosure on my home. I'm in good standing with my mortgage lender and my lender has know idea of what is going on. I have not received any notice of debt for over 10 years from Franklin Credit Management Corporation and now they are saying I'm in default. 
I was unaware of this debt, my home was purchased in XX/XX/XXXX before the mortgage crisis. My property was at its highest costing {$330000.00}, my wife and I paid both 1st and 2nd mortgage at the introductory interest rate. When the interest increased we could not afford to pay and we received a loan modification. The modification was for the principal balance, and the new balance was {$320000.00}. When I was modified I was lead to believe that the 1st and 2nd was modified together. 10 years with no contact and forcing a foreclosure on our home is unfair. I want to remain in our home and have a fair resolution to this issue. I also want to know if this is a legitimate claim of debt practices by Franklin Credit Management Corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: NV

Complaint narrative:
In XX/XX/XXXX, my wallet was stolen, hence my identity was compromised with all my personal information in my wallet. I did not think much of it until later some fraud accounts would pop up on my report. I sent all 3 credit bureaus the necessary documents to have these two fraud accounts blocked off of my report. XXXX  and XXXX did just that, did their job in little to no time. But Equifax INC. has been violating my Fcra rights and identity rights, allowing creditors to post fraudulent information on my report hindering me from future credit extensions. Equifax did not honor the FCRA 605 ( BLOCK ) law, they kept on XXXX XXXX on my report. The only thing Equifax did was report this account again with a different balance, balance went from XXXX to XXXX ... Regardless, this account was not opened by me and it should not of remained on my account. I will attach all documents i've already sent from XX/XX/XXXX ... It's been to long with fraud information impacting my livlihood, Equifax will receive my attorneys lawsuit very soon if they do not act upon this asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: NY

Complaint narrative:
Total scam and fraud. Do not link your bank account or give your credit card. I signed up for Moneylion in XX/XX/2019 after clicking on an online ad. I took out a {$500.00} loan and had to link my bank account and credit card, to receive the loan amount. My bank account was charged {$19.00} twice a month, plus a {$39.00} " membership '' fee once a month. In XX/XX/2019 I tried calling because I wanted to payoff the loan in full and cancel my " membership ''. I was on hold waiting for a representative for over an hour on several occasions and each time I was given a different payoff amount - {$580.00}, {$420.00} and {$380.00}. I emailed several times as well and was never given a the final loan payoff amount or a way to do that. I also could not unlink my bank account. I saw that Moneylion kept attempting to make the {$19.00} and {$39.00} withdrawel from my account, despite the fact that I had called and asked for the final payoff amount so I could pay with a debit card. Yesterday they made several attempts under different business names that I was charged {$100.00} in overdraft fees! In frustration I asked for my mother to call and help. She also was told different amounts, and then today was kept waiting on hold for an hour and twenty minutes. She called me in to get on the call with her so we could payoff the loan with her debit card and they hung up on us. I then XXXX  Moneylion and saw that they have an F rating with the XXXX XXXX XXXX and many similar complaints. They also said that they will liquidate the {$100.00} in my " investment account '' and refund it in a few weeks and then I would be able to use it to pay the {$140.00} in membership fees. But I've already been paying " membership '' fees every month from my bank account, with no membership benefits! This is a scam, predatory lending and fraud.I will be closing my bank account, on the recommendation of the manager where my family banks, so they can't continue to try to make withdrawals. For the loan payoff, if they ever respond with accurate info, I will be using a prepaid debit card and have cancelled the credit card that was linked. I am reporting this to the XXXX, Consumer Finance, Federal Trade Commission and the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: NY

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Superior Adjustment, Inc.
State: MI

Complaint narrative:
Numerous payments made over a number of years that were not applied to the intended account. Paid the account in full, via check, which clearly stated the account number and the condition of payment. The check was accepted and cashed. The check was not processed electronically and met all conditions set forth by the federal statutes. They are still attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: NY

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
IC collection company drop 30 points in my credit report for a debt not owned from me, they not want to shoe me the contact I call them so many times to fix the problem and remove the collection from my credit repot and they dont give any answer. Please some body have to do something to this abusers.

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 2019-06-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
XX/XX/2019 - Contacted company to see what originally was taken out for my loans and if I could get verification due to the numbers not looking accurate. Customer service rep seemed confused and didn't assist with me pulling up my account. 
XX/XX/2019 - Contacted company inquiring about different payment options available for my loans because the amount they have suggested is not realistic. Company did not assist and just continued to read off of script.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc.
State: MI

Complaint narrative:
In response to a denial of an extension of credit, this consumer checked with one or more consumer reporting agencies and discovered the following : 1. Your company has furnished negative information concerning this consumer to one or more consumer credit reporting agencies as shown by the accompanying exhibits. 
2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

3. This consumer does not recall having received the required notice apprising this consumer of the right to dispute the alleged debt, nor does this consumer recall having received any billing statements and/or statements of account bearing the number you used to furnish the negative information.

4. This consumer is without facts sufficient to form a belief that this consumer has a meaningful relationship with your company, and therefore must deny that such a relationship exists.

5. Notwithstanding any substantively admissible facts to the contrary, this consumer denies having any knowledge of the alleged account which the furnisher has placed on this consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Superior Adjustment, Inc.
State: MI

Complaint narrative:
Even though I am paying regularly on this account, and they acknowledge it, I was told by the manager, XXXX, that they will report the account delinquent until paid in full, and that they will not report payments. I was also told that they will not remove paid accounts. They stated that all accounts, paid or unpaid, will remain for seven years. 
I told XXXX that this policy is counter productive, as it doesn't allow someone with debt to better their score, which may enable them to get a loan and pay off debt. I'm fairly certain that the fair debt reporting act requires that payments be reported. 
In any case, as my credit will remain damaged whether I pay or not, I will stop paying on this account. I feel that XXXX XXXX XXXX XXXX needs to be aware of the practices in place at credit check. 
I used to support credit check and was happy working with them. I have paid off over {$4300.00} in recent years and expected better from them. They've clearly changed, and not for the better.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: Credit Karma, LLC
State: GA

Complaint narrative:
Contacted XXXX on XX/XX/2018 about another account. But I checked my credit report later that evening and there was a new inquiry on my report hard inquiry from XXXX XXXX. Never heard of this company.can you help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
This account was paid by my insurance, they keep insisting that I didnt pay. I had XXXX and was given a paper to sign right before I went into XXXX with a XXXX XXXX. This is not ethical or lawful for that matter and consider this fraud!

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