vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. This vehicle was taken out with my information fradulently and unauthorized. I demand proof beyond a doubt that shows my social security and picture of which are all things required when purchasing an auto. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT - READ THE ISSUE AND REQUEST, THANK YOU. On XXXX XXXX, XXXX I received letters from XXXX XXXX and XXXX XXXX stating they would 'investigate my concerns ' and get back to me in 10 days, however I received a form letter and no contact information for a follow-up. I did not receive a copy of the paperwork requested that shows I opened this account, my signature, and the name of the Wells Fargo rep that assisted in this transaction. PLEASE NOTE : I have also sent MULTIPLE inquiries via email to several financial investors at WELLS FARGO and never received a reply to my requests. 

A Wells Fargo rep in XXXX, CO, XXXX, assisted with my investment request to open a XXXX IRA investment account - number XXXX ( XXXX XXXX ). The Wells Fargo branch rep told me this was a safe and secure account to earn interest and increase the savings as any IRA but not too aggressive to lose money. The account has earned next to nothing since inception. After requesting more information on what this account was actually invested in, and not getting answers I feel that the branch has deliberately scammed me. Wells Fargo gives me the runaround by every branch I go to and it 's clear that Wells Fargo took my money, is using it interest free, while taking advantage of the fact that they can get away with being evasive. I never received a copy of the paperwork when signing up for this account. I have no paperwork from Wells Fargo about this account except the account number and tax statements. I expect a copy of the paperwork for the opening of this Roth IRA and I expect Wells Fargo to explain why this account was not placed as an investment as requested at the branch upon the opening of the account. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: AL

Complaint narrative:
Commonwealth financial has reported a collection on my credit reports which is n't mine and is dating back to 2011

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR

Complaint narrative:
We purchased a car through Nissan Motor Acceptance Corporation on XXXX/XXXX/XXXX and scheduled our first payment to be due on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, we enrolled in SignatureDIRECTPAY by printing the online form and submitting to XXXX via XXXX as instructed, for automatic monthly payment deductions. It states on the website " It is important that you continue to make payments on your account until you receive a notification letter with the start date of your payment deductions ''. XXXX processed the form on XXXX/XXXX/XXXX. We did not receive a confirmation letter via XXXX but it states on my XXXX account under the Payment Dashboard section " You have a SignatureDIRECTPAY of {$650.00} scheduled for XXXX/XXXX/XXXX ''. As of XXXX/XXXX/XXXX they had not deducted the payment from my account so contacted customer support and was told " XXXX is scheduled to start on XXXX/XXXX/XXXX, so you would need to make your XXXX payment manually '' and " XXXX is activated within 15 days of us receiving the automatic payment documents ''. The customer service rep said " Your state has a XXXX window of opportunity '' so an option for me was to wait and see if the payment posted. I have read many forums about how XXXX does this to their customers and how they will charge interest as well as report a late payment to credit companies, which will affect my XXXX XXXX. I setup XXXX to avoid the fee XXXX charges just to make a payment. I looked on my account to see what the fee would be and received a " Additional Payment Warning XXXX '' stating that I had a payment scheduled or in process and to refer to the Payment Dashboard. The customer service rep said his supervisor was not available today but would contact me in XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have some disputes that I am trying to review and Equifax once again has pulled down their dispute website page : It is happening quite frequently. If they are unable to give us reports and correct info then they certainly should not be sharing our credit information with anyone else. You can not reach them by phone either. Right now Consumers have no control to keep their credit score in tack. Scary enough what they have done and now they are stopping us form submitting on line disputes, this service is always temporarily down for service? It 's not okay! 

Service temporarily unavailable The service youre requesting is unavailable due to system maintenance. We apologize for any inconvenience. Well be back up and running as soon as possible. In the meantime, you may submit your request by mail along with any supporting documents to XXXX XXXX XXXX, XXXX, GA XXXX. You may also call XXXX including to request a copy of the results of any completed credit file dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
After my private loan, rate reduction plan expired I was offered a renewal by email pending my financial statement. I supplied my financial statement as requested and received more emails threatening to return to {$5000.00} per month payments if I did not renew. After calling to inquire, I was told that the interest rate would be doubled for the renewal, raising my payment beyond the unaffordable payment of $ XXXX/mo I was already paying for the {$270000.00} in private navient managed loans. I lieu of my other private loan payment of {$240.00} per month for a {$26000.00} loan, and payments to DOE for $ XXXX/mo on a {$500000.00} note, as well as other credit cards of $ XXXXmo, and car payment of $ XXXX/mo, a larger payment would not allow my family of size XXXX, with a XXXX wife, to eat or pay for childrens insurance nor educational expenses. When calculated without the private loan payment my disposable monthly income is currently {$210.00} dollars. I make an adjusted gross income of {$65000.00} per year and my wife is unemployed, as she provides childcare to our XXXX and XXXX year olds. My next resort appears to be bankruptcy, and I realize it is a barely even a temporary solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I have filed a complaint twice against this company and asked for verification of debt the company sent me a copy of another customers information in XXXX. They refiled debt in XXXX and renewed the collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
DATE : XXXX/XXXX/XXXX contacted TransUnion for a credit freeze. Talked to XXXX. 
ISSUE/COMPLAINT : TransUnion will not do a credit freeze, unless I send them a copy of my social security ( SS ) card ( via mail/fax ). However, this was not due to TransUnion questioning who I was because during this same call they did other actions for me regarding my information, just refused to do a credit freeze. 

BACKGROUND : Because of the XXXX security breach - my husband and I began the process of putting a freeze on our information with all 3 credit rating companies. My husband 's security freezes all went through. Mine went through with XXXX and XXXX. However, TransUnion will not freeze my account until I send them a hard copy of my social security card. They DID however ( in that same phone call ) put a 'fraud alert ' on the account and changed some information for me that was not accurate ( deleted a name listed that was incorrect ). My complaint is that TransUnion is refusing to do a credit freeze until I send a copy of my SS card : 1 ) I do n't want to send a copy of my SS card info through the mail or via fax, not safe. And, as the recent security breach shows, these companies can not keep my information safe. 2 ) Why should I pay for special handling so they can have a copy? 3 ) they already know my SS #, I had to provide it when I was attempting to do the freeze. Since they already have my SS #, why do they need a hard copy? 4 ) TransUnion did not provide a good clear understandable reason as to why they need this copy of my SS card-they just got irritated when asked this question. The only reason they provided was it was necessary " to update correct information '' ... however ( as I said above ) they already have this information ( my SS # ).
How can a credit rating company refuse to freeze your information until you send a copy of your SS card? I am simply trying to be a proactive consumer and protect myself from the vulnerability that the credit rating industry has potentially placed me in ( e.g., XXXX security breach ). However, the credit rating  industry is making it difficult for me to protect my information by making demands before they will take protective actions and they are not providing a good strong reason for their demands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
As publicly stated by Equifax on XXXX XXXX, 2017, a  large portion of their database was breached in 2017. My information was confirmed to be a part of this breach which will negatively affect the following : my ability to easily apply for credit ; the security of my social security number, date of birth, past addresses and more, as they are now accessible to unknown persons ; my ability to effectively manage my credit without undue stress or concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I applied for a Secured Card from Wells Fargo in XX/XX/XXXXwith the hope to build credit history and on their word heard that I would be able to apply to upgrade to a credit card when my credit score is built up. I had to keep a deposit of {$300.00} and so I did. I stepped in the bank one year later, in XX/XX/XXXX requesting to fill the application for upgrading to the regular credit card and I was denied the request to upgrade because I am not a XXXX XXXX of this country. That seems unfair and un-moral given the prior information they gave me when I applied for the secure credit card. This is a warning which should be given prior because I am now stuck with a secure card, paying a yearly fee, with {$300.00} of my earned money stuck with a bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: URS Holding, LLC
State: NM

Complaint narrative:
Alltran Financial, based in XXXX/XXXX, TX continues to call me and my minor child on her telephone number ( listed in complaint ) as well as on my number XXXX. The numbers the individual calls from are XXXX, XXXX, and XXXX. I believe her name is XXXX XXXX? It 's hard to discern. Regardless, I have spoken with her and she refuses to provide any information about why she is calling unless I will provide personal information, such as the last 4 of my social security number. Given that I am not aware of any outstanding debts and also because I am a recent victim of identity theft ( in process of reporting and trying to sort through it all ), I am not about to provide anyone with anything. I have no way of knowing if this is a legitimate company or a legitimate attempt to collect a debt, especially because I should not have any. I have been working with XXXX and the credit card companies the identity thief took accounts out with, so I should have no outstanding issues. I have received no written communications from this company. I have received at LEAST two calls a day from this company for several weeks and my daughter receives at least one call a day. I let the individual know that she MUST stop contacting my daughter but she refused to allow me to speak, simply repeating over and over that I must give her my information. This is unacceptable and I respectfully request your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: Equitable Acceptance Corp
State: CA

Complaint narrative:
I was contacted by Equitable Acceptance through United States Postal Services. Equitable Acceptance informed me that they can help me get my loan forgiven in which it would cost {$150.00} to start the paper work. My monthly payments started with them on XX/XX/XXXX at that time I was not informed that I would be paying interest on my account repayment. I attempted to contact Equitable Acceptance on XX/XX/XXXX to inform them that my bank account information has been changed and to provide them with current account number. I could not contact them untilXX/XX/XXXXeven after leaving a voicemail they never followed up with me. I was told today, " That I could not request to have services cancelled because I signed an agreement which would eventually affect my credit because they reported it to the Credit Bureau. The representative told me I am obligated to pay them these fees when I feel there is no service being rendered. He told me, " That Student Advocates had consilated the loan and to contact them. '' I then contacted Student Advocates who informed me that yes they did reconsolidate my loan and for me to contact XXXX to verify that they indeed took over the loan. So I contacted XXXX next to follow up on my student loan. XXXX then reviewed my account and informed me that there had been no recent consolidations on my loan other than back in XX/XX/XXXX. I was also told by XXXX  " That the services Equitable Acceptance are charging me for are free of charge through fed loan. They told me to contact my bank with concerns to avoid future monthly charges out of my account. I paid Equitable Acceptance {$150.00} to start paperwork and {$49.00} a month of which {$19.00} of that payment is towards interest and I was not informed of that prior to signing any kind of agreement. I do not want them to affect my credit please help me find a solution. Equitable Acceptance told me that they could not email, scan or fax over a copy of the agreement I signed for me to review. I was told they can only mail it out. I am waiting to receive agreement so that I can forward it over to Consumer Complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
I do not have a debt and closing my case stated no further deductions. More today from Social Security & how do I get repaid for their errors?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: United Debt Holdings, LLC
State: TX

Complaint narrative:
LOAN WAS TAKEN OUT XX/XX/15 I BELIEVE FOR {$500.00}. I DO N'T REMEMBER. THEY TOOK OUT TOTAL AMOUNT DUE WITH INTEREST ON FIRST PAYMENT DATE 10 TO 14 DAYS LATER ON MY PAY DAY. I RECEIVED EMAIL STATING LOAN WAS PAID IN FULL. THEN I STARTED RECEIVING PHONE CALLS AND EMAILS WEEKS LATER HARASSING ME STATING I DID NOT PAY. AND THEY WERE GOING TO COME AFTER ME. I PLACED MULTIPLE THREE WAY CALLS WITH XXXX XXXX XXXX AND MY BANK PROVING PAYMENT WAS DRAFTED, COMPLETED, CLEARED AND ALL WAS GOOD. A FEW WEEKS LATER XXXX XXXX XXXX TRIED TO DRAFT DOUBLE WHAT WAS OWED AGAIN AND MY BANK FLAGGED IT. I HAD MORE MULTIPLE PHONE CALLS WITH XXXX XXXX XXXX AND THE BANK. XXXX XXXX XXXX ASKED ME TO SEND BANK STATEMENT SHOWING WHERE THEY DRAFTED THE MONEY. I DID. I WAS TOLD IT WAS THEIR MISTAKE AND LOAN WAS PAID IN FULL. 2 MONTHS LATER AND AFTER SEVERAL DAYS OF ARGUING FIGHTING AND PROVING TO XXXX XXXX XXXX THEY WERE IN THE WRONG I WAS TOLD EVERYTHING WAS CLEARED. I CLOSED MY BANK ACCOUNT BECAUSE OF SUSPICIOUS ACTIVITY WITH XXXX XXXX XXXX AFTERWARDS. AND THE PHONE CALLS AND EMAILS STOPPED. NOW HERE WE ARE 21 MONTHS LATER AND TODAY I 'M RECEIVING PHONE CALLS AND LETTERS FROM A LEGAL TEAM ( XXXX XXXX WITH XXXX XXXX XXXX ) THAT THERE HAS BEEN ACTION STARTED AGAINST ME AND XXXX XXXX XXXX IS SUING. AND ALSO FROM A XXXXXXX PROCESS SERVER FOR XXXX XXXX XXXX THAT SHE IS ON THE WAY TO MY HOUSE AND JOB TO SERVE ME AND IF I DO N'T SIGN PAPERS THERE WILL BE MORE LEGAL ACTION AND PROBLEMS TO COME FROM THIS. I CALLED XXXX XXXX SPOKE WITH HIM ABOUT THE SITUATION AND HE ADVISED WOULD GET AHOLD OF THE LENDER AND LET ME KNOW IF HE NEEDED ANYTHING ELSE. THIS IS FRAUDULENT. THIS IS CRAZY. AND THIS IS HARASSMENT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On the night of XX/XX/XXXX or early in the morning ofXX/XX/XXXX my debit card from Chase Bank was stolen from XXXX XXXX XXXX XXXX. It was used for the transactions listed below, totaling {$670.00}. I reported the card stolen the next day ( Claim # XXXX was assigned to my case ) to Chase Bank over the phone and it was put on hold. I was also told I needed to go in person to the Bank in order to complete the claim. On MondayXX/XX/XXXX I visited the chase bank at XXXX XXXX XXXX XXXX XXXX, WI XXXX and spoke with someone who assured me it would all be taken care of. The {$670.00} was credited back to my account. After a review process I was told by chase ( on XXXX ) that due to inconsistencies and the fact that the person who used my card was able to correctly input my PIN # chase bank was taking away the {$670.00} credit they had previously given me. Therefore I am losing {$670.00} from my bank account.
1 ) NON-CHASE ATM FEE-WITH Fee {$2.00} 2 ) NON-CHASE ATM FEE-WITH Fee {$2.00} 3 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$4.00} Cash Back {$20.00} Debit card transaction {$24.00} 4 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$9.00} Cash Back {$20.00} Debit card transaction {$29.00} 5 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$2.00} Cash Back {$20.00} Debit card transaction {$22.00} 6 ) XXXX XXXX XXXX XXXX XXXX WIXX/XX/XXXX Purchase {$1.00} Cash Back {$20.00} Debit card transaction {$21.00} 7 ) XXXX XXXX XXXX XXXX XXXX WIXX/XX/XXXX Purchase {$1.00} Cash Back {$20.00} Debit card transaction {$21.00} 8 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$1.00} Cash Back {$20.00} Debit card transaction {$21.00} 9 ) XXXX XXXX XXXX # XXXX XXXX WI XXXX XX/XX/XXXX Debit card transaction {$29.00} 10 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX  ATM transaction {$20.00} 11 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX ATM transaction {$40.00} 12 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX ATM transaction {$200.00} 13 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX ATM transaction {$200.00} 14 ) NON-CHASE ATM WITHDRAW XXXX XXXX XXXX XXXX ATM transaction {$44.00}

Company response to consumer: Closed with explanation