vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
Received a letter from Discover to provide photo ID and SOCIAL SECURITY CARD. 
( PHOTOS ). I am law enforcement and often on Special assignment. The letter was received 10 days after sent to me. I called Discover and made them aware of my situation. One I did not have a copy of my Social Security card and had to make a trip to the SS office to order a new one. Once I went to the office I was made aware that the SS offcie no Longer gave Receipts that included the Social Security number. It only ststed that a new card was processed.. I forwarded Discover what they asked for. However they had advised me it was 24 hours to late and the card was closed. I asked to speak to a Supervisor and was denied that opportunity on several occasions. Now the card is revoked and i was told was the card was closed all of the points and cash back earned would be credited to the card. However, there is clear discrimination here because was receiving my photo ID, the call was made to close the account based on ethnicity. 

Today they called me and said the card was not revoked and wanted a payment. i asked for a aSupervisor then and was told that I could reapply for the card ... this card has clearly damaged my credit. I have attempted several times to resolve this amicably with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I'm not sure about what category this fits into but my issue is with Wellsfargo Bank and their unethical practices. My wife and myself have been trying to get Wellsfargo, for months, to endorse an Insurance Claim check that we spent the last 2 years fighting for in court and ended up with half the money that was appraised for the fixes that needed to be done. I as well as my wife have tried reasoning with them, explaining that we do not have the money to do the repairs and I even offered for them to be able to come by while the repairs are done to make sure that the issues are being addressed. They have refused time and time again. Wellsfargo sent us a letter stating that we had to send the check to their office and that they would hold on to the money and reimburse us once the repairs are done. This is totally observed being that this money does not belong to them and we need this money to do the repairs on our home. I'm hoping that you can help us or point us in the right direction to who could help. These are bully tactics against the consumers and totally unethical practices. I have spoken with several people that I know and they have had similar issues or problems with Wellsfargo.

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 2018-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
I have sent 2 certified letters to LEXISNEXIS asking to verify bankruptcy being reported on my consumer file with them.They receive letters on XX/XX/XXXX and XX/XX/XXXX.Ask for names, address, phone numbers of whom the contacted about bankruptcy being reported on file with them.Received first response from LEXISNEXIS ( saying after reinvestigation of the data in question. LEXISNEXIS  VERIFIED THAT BANKRUPTCY IS ACCURATELY REPORTING ON YOUR LEXISNEXIS RISKVIEW REPORT ) .The second letter basically was asking the same thing, asking for names, address, phone numbers.But instead they sent a RISKVIEW DISCLOSURE REPORT REQUEST.WHICH I DID NOT ASK FOR.PLEASE NOTE : BANKRUPTCY RULE 9037 WHICH STATES THATpersonal identification information defined as individuals, social security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with court.please help me resolve this problem of getting it remove from my consumer file with LEXISNEIXS.And any automated response or e-Oscar verification is unacceptable from LEXISNEXIS.THANK SO MUCH

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Self Lender Inc
State: FM

Complaint narrative:
I applied for a self lender account to help build my credit. I was denied due to the fraudulent XXXX XXXX XXXX account that is being reported to XXXX  by XXXX XXXX XXXX. I have provided several times the police report associated with the fraudulent account to XXXX XXXX XXXX Check Digital Fraud Claims department several times but the account still has not been deleted from my XXXX  report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ASTA FUNDING INC.
State: OK

Complaint narrative:
I was on XXXX XXXX military at XXXX XXXX AR when I got an XXXX XXXX XXXX   phone in XXXX. For the first several months I was charged for roaming charges. Each month they would take the charges off. About 4 months later I was moved to XXXX  XXXX XXXX in XXXX XXXX. I had so many issues involving my bill and coverage I talked to XXXX XXXX XXXX  and because I was XXXX XXXX they said I would be released from the contract. On XX/XX/XXXX I find out my check has been garnished by XXXX XXXX. I called XXXX  XXXX XXXX n they all tell me the account was closed and not sent to collections. XXXX refuses to send me the Inormation about the judgement and say my debt is now {$6000.00}!!! That's a 4 month phone bill. I find out that they served the papers to my father and we didn't even live in the same state. They refuse to take my calls or answer emails. I have sent a request for all information that is required from them by law. They have not responded in a timely manner or at all. They continue to garnish 25 percent of my net paycheck even though Oklahoma law allows only 15 percent for head of household. I. Sure that this is judgement is in no way right or fair. XXXX XXXX have multiple lawsuits for fraudulently obtaining judgement including not giving notice, fraudulent evidence, inaccurate debt amounts and information, statue of limitations. They also were indicted XXXX vs Asta funding on RICO act, and lost class action. Please help me. I am a father of XXXX children and a wife all depending on my support. This is allegedly from 13 years ago

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 2018-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got into contact with XXXX XXXX later changed her name to XXXX XXXX on XXXX. She said she would transfer me {$130.00} to my Bank of America checkin account so i gave her my account number. But accidentally she sent {$1300.00} and asked me to send the difference back which was {$1100.00}. But later i realized the money she had sent me was not done by her but it was actually a temporary credit given to me by the bank. I went to bank but the manager said that don't worry about it the bank has given you temporary credit.She also said just the account number will not harm my account. But i wasn't satisfied with her response so i called the customer service to ask them what temporary credit was and why was there a claim number on the {$1300.00} amount because i didn't file any claim. They were of least help to me. Now i have got a letter from the bank stating that they will withdraw {$1300.00} back. I don't know how that person called on my behalf and asked for the temporary credit without having my credentials. I don't understand this loophole of the bank. They are asking to pay {$1300.00} which i didn't ask for. I really don't understand what's happening here. The customer service won't listen to my problem as according to them they sent a One Time Password to registered number to authenticate that person but they won't tell me the what number it was. But i am sure the only number that is linked to my account is my number and I didn't get any One Time Password on my number. Bank of America is not reliable at all. This is the case of identity theft as well or maybe bank didn't authorize the other person accurately and gave the temporary credit without any serious authentication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: IL

Complaint narrative:
There are several fraudulent unauthorized inquiries on my credit report. I have a police report on file with transunion as I am a victim of identity theft. These inquiries were not done by me. XXXX XXXX XX/XX/XXXX and XXXXXXXX XXXX XXXX XX/XX/XXXX. The account Showing on my report as XXXX is reporting inaccurate information. I have disputed this account with transunion several times and they will not update it to report accurately. My report shows that the last payment to XXXX was XX/XX/XXXX and the account close date as XX/XX/XXXX however this is inaccurate. The account close date should be XX/XX/XXXX which is the date this account was filed in a bankruptcy and the last payment was made in XX/XX/XXXX. This inaccurate reporting makes it appear that I have been delinquent with them from XXXX when in fact the account was closed

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 2018-09-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
they are trying to collect a bill from XXXX that Idont owe contacted XXXX XXXX they say I don't owe anything XXXX XXXX XXXX are trying to collect for XXXX XXXX dollars call XXXX today and they say I owe them nothing, these people are reporting me to credit bureaus

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 2018-09-03 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:
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX., XXXX XXXX Inquiry from XX/XX/XXXX + Television & Radio XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos .

XXXX XXXX  Inquiry from XX/XX/XXXX+ All Banks XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + All Banks XXXX  Inquiry from XX/XX/XXXXXX/XX/XXXX + National Credit Card Cos.

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
In XXXX, and again in XXXX, I sent paperwork to Navient for loan forgiveness, based on the fact that I have XXXX full time, XXXX XXXX, in XXXX XXXX for over 20 years. I definitely qualify for loan forgiveness, based on this fact. The first time I tried, they denied me. The second time, they ignored me. They are still billing me for XXXX, in spite of the fact that I have made regular monthly payments for many years. I'm sure I've paid off what I borrowed, however the interest has made it impossible to keep up. 
I believe they are hoping I will just give up, but I know I have earned the loan forgiveness for teaching special education.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: WA

Complaint narrative:
A previous complaint was filed with CFPB. That complaint number was XXXX. This complaint is in follow up to that complaint. Discover replied that they had corrected the error when in fact the error was not fixed. 

On or about XX/XX/2017, I made a purchase for two airline tickets from XXXX. The dollar amount was {$490.00}. One of  the tickets was cancelled and the airline refunded the money to us. However, to this date Discover has not provided the refund to us that the airline issued. 

A credit was issued by Discover on or about XX/XX/XXXX. This credit is sitting on an old account and needs to be transferred to my new account. Every time Discover transfers this credit to my account, they offset the credit with another charge of {$490.00}. To date, my Discover card balance still reflects me being charged for two tickets, not one. I have attached a screen shot that shows this. Whenever I speak with a Discover representative, they tell me that there is a  credit that was provided on XX/XX/XXXX. However as you will see on the screen shot, there is no credit for XX/XX/XXXX. 

My balance currently is {$490.00} more than what the balance should be. Discover needs to stop misleading the CFPB and they actually need to fix this issue immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are several fraudulent unauthorized inquiries on my credit report. I have a police report on file with transunion as I am a victim of identity theft. These inquiries were not done by me. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. The account Showing on my report as XXXX XXXX is reporting inaccurate information. I have disputed this account with transunion several times and they will not update it to report accurately. My report shows that the last payment to XXXX was XX/XX/XXXX and the account as open however this is inaccurate. The account close date should be XX/XX/XXXX which is the date this account was filed in a bankruptcy. This inaccurate reporting makes it appear that I have been delinquent with them from XXXX when in fact the account was closed in XXXX and discharged in a bankruptcy.

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 2018-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FEDChex Recovery, LLC
State: TN

Complaint narrative:
The alleged company Fed Chex Recovery contacted me in XX/XX/XXXX regarding a textbook rental from spring XXXX, which I no longer have in my possession and believe to have returned at the close of that spring semester. The representative from FCR explained that the book was rented from a website called textbook rush, which is valid, but my account on XXXX XXXX shows no overdue books and I received no online correspondence in the three years since I rented books from that company to indicate that the book was allegedly overdue. It was already fishy that I was receiving calls about the book three years too late, especially considering the high late fee of {$500.00} when I rented the book for less than {$100.00} and paid for it in full, but in addition I called the Secretary of State in both states from which I received phone calls ( Nevada and Arizona ), and both Secretary of State offices declared that FCR was not registered as a legitimate business in their records. In addition, I checked my credit report in XX/XX/XXXX, and that credit report showed no record of debt for any textbook rental. I receive calls every 2 weeks from different phone numbers in different parts of the country claiming to be representatives of this FCR debt collection agency. I am currently reaching out to textbook Rush to make certain that no books are overdue on my record.

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 2018-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
I have a 30 yr mortgage with Caliber Home Loans for the past 3-4 yrs. As of XXXX-2018, they began adding on a {$3.00} fee per month for paying the mortgage online. This doesn't seem fair to me. They state that if I setup a scheduled monthly payment cycle on a certain date then the fee won't apply. I'm not able to do this - I manage my mortgage payment based on pay dates between my wife and I. I don't feel that Caliber should be able to add this fee on. Please advise. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Recently a collection agency has attempted to collect a debt from XXXX  that wasn't mine for the amount of {$1300.00}. the debt was later discharged and affidavit and police report was given to that last collection agency that this debt was sold to by XXXX and was resolved so i thought. I now received notice from another collection agency ICSystems Acct # XXXX for the same debt and amount. this account was file as a identity theft claim. report was made regarding my identity with the Federal Trade Commission report # XXXX and police reports was made with my local police department for victim deceptive practices. XXXX is threatening my financial future as well as IC Systems. to attempt to collect a debt twice regardless of the fact reports was made for identity theft is unfair and breaks multiple rule according to The Fair Credit Reporting Act.

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 2018-09-03 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: CA

Complaint narrative:
Experian is not responding to any of my requests to investigate, verify and remove one account from my credit report that does not belong to me.

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 2018-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: FL

Complaint narrative:
I always had XXXX through the Government

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I was getting Medicaid through the government at that time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I had and have Medicaid I been having my government assistance I dnt know why they coming after me for it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/2018 XXXX XXXX PayPal Placed a limitation on my partners and I account. They requested documents that I submitted and even have phone recorded conversations that the rep admitted that they received all documents he just needed for me to resend an invoice that he couldn't see it that well. On XX/XX/XXXX PayPal closed the account saying they didn't want to do business with our company and they were keeping the funds on hold for 180 days. This isn't right especially when buyers have agreed with our store refund policy which states they can get a refund in 30 days. My partner added me to the account before they closed it I have updated On XX/XX/2018 we spoke to an representative from PayPal about adding me XXXX XXXX XXXX to the account the rep said ok she would email us to show how to do this On XX/XX/2018 XXXX is when we received the email showing how to add a user to the account. There isn't any reason for PayPal to be holding on to the for 180 days. We are requesting for them to release the funds and may it available to use in the 30 days that the buyer has agreed to. This is the second time I'm putting this request in because PAYPAL LIED and stated I wasn't on the account as you can clearly see I was added before the account closed and I have several phone recordings.

Company response to consumer: Closed with explanation