vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to see if I was able to successfully freeze my credit score with Experian and XXXX and have not been able to reach a representative on the phone with XXXX. At Experian they are requiring that I physically mail in identify verification information even though I have provided them with my SSN, phone number, name, addresses, email, and Experian account information. I think they are purposefully making it difficult to access my credit score freeze status so that I am forced to upgrade my account which has no information about credit freeze status.

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 2019-09-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Santander Consumer USA Holdings Inc.
State: NH

Complaint narrative:
I'm a XXXX year old lady and XXXX year old husband that is XXXX and very sick and also a Veteran, and I have a thing on my credit report from a company. We live on nothing but social security and I have a part time job that buys us a little bit of grocery and now we have been notify from the people that we have been renting from for 23 years and found that the house can not be rented anymore because of the condition of the house, and I have been trying to find a place for my husband and I to live and I have this XXXX XXXX bill on my credit report and have no idea where it came from. I could really use your assistants on this as soon as possible.The account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
had a 2yr lease w/ GMF w/ autopay. 1st pmt made at the dealer, leaving 23 in lease agmt. 22 pmts pulled correct, the 23rd pmt was cncled, GMF admits their partner, XXXX XXXX, cncled last pmt. I did not know or authorize this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to see if I was able to successfully freeze my credit score with XXXX and Equifax and have not been able to reach a representative on the phone with Equifax. At XXXX they are requiring that I physically mail in identify verification information even though I have provided them with my SSN, phone number, name, addresses, email, and XXXX account information. I think they are purposefully making it difficult to access my credit score freeze status so that I am forced to upgrade my account which has no information about credit freeze status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I attempted to buy concert tickets from an individual and tried to pay with PayPal and transfer the payment upon receipt. Since they were virtual tickets I needed to transfer without a tracking #. After payment the perpetrator did not transfer the tickets. Which I assume could have been a scam from the start. 
I have filed a complaint with XXXX about the following post. XXXX XXXX XXXXXXXX I have filed a police report in XXXX XXXX and want to know what can be requested for account holders placing fraudulent ads. I will be taking the lister to small claims court assuming I can get contact info. 
The # in question is registered via XXXX XXXX. XXXX XXXX : XXXX XXXX : XXXX XXXX, XXXX. 
I have filed a claim with PayPal in an attempt to get contact or bank information for the perpetrator. 
Basically I need FBI or local police to get the contact info from PayPal so I can take the fraudster to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-09-09 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: TX

Complaint narrative:
Thereareaccountslisteduponmyreportthatdonotbelongtome.IhaveadvisedExperianofsuchonnumeroustimes.Havecontactedall3companiesandneitherhasrespondedtomyrequestsohowisthatExperiancontinuestoreportinaccurateandfraudaccountsontomycreditfile.Ifacompanycannotprovethevalidityofsuchaccountstheymustberemoved.FurthermoreIhaveneverevendealtwithorhadbusinesswitheitherofthecompanieslistedbelowandtheyhaveallfailedtosendmenoticetogivememyrighttodisputethevalidityoftheaccount.THESEACCOUNTSARERESULTSOFIDENTITYTHEFT.
XXXXXXXX/XXXXINTHEAMOUNTOF{$11000.00}XXXXXXXXINTHEAMOUNTOF{$410.00}XXXXXXXXINTHEAMOUNTOF{$350.00}

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 2019-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This complaint is regarding my case # XXXX with Navy Federal Credit Union. On XX/XX/2019, I noticed an debit in the amount of {$840.00} from my checking account. I immediately contacted NFCU, and I was advised that this was a debit from XXXX. I then advised the representative that I had not authorized XXXX to debit any funds from my account. At that time I was given a provisional credit for the same amount. On XX/XX/2019, I noticed that NFCU had once again debited that same amount of {$840.00}, that as given to me as a provisional credit from my account. I have not authorized any transactions to XXXX in the amount of {$840.00} and I am in possession of my debit card that is linked to my checking account. I am requesting that the total amount of {$840.00} be returned back to my account. I am a single parent and to have unauthorized transactions debited from my account is fraudulent. I have paid my cellular phone bills to XXXX with my NFCU checking account when I was a customer of theirs, however, I am a customer with XXXX XXXX XXXX now and has been for 6 months. XXXX has obviously and without my consent used my previous payment information to withdraw the {$840.00} from my account. That is not fair and it's criminal. I did not even know that a company is allowed to keep your payment information on their files and use it at their convenience. If XXXX has a problem with me owing them money, then there are collection procedures and even court that can be utilized, but they should not be able to take money from my account without my authorization or knowledge. Please help me get this issue resolved because NFCU has not resolved this issue fairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
XXXX XXXX is a XXXX a lying XXXX this bank treats me horibke doesnt address any of my concerns that I have Im unable to open an account and they refuse to tell me why I hate them they give me a hard time both online and in the branch garbage people

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I comommunicate to you because i have problem with Nelnet loan service Inc. The problem is the account already pay long time ago. Nelnet still have the account negative in my credit report. They have the account 120 days past due. And term monthly XXXX. I duspute with XXXX  that account and still negative. It no fair that account have more than 5 years affect my credit score it already paid. The reason i paid that account to fix my credit no to affect my credit.please help me to remove from my credit report.

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

Complaint narrative:
SECOND REQUEST I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.

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 2019-09-09 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: TX

Complaint narrative:
I submitted a Second written request in writing to Experian, to have a copy of the original creditors documentation on file to verify that this information is mine and is correct in the results of the first investigation. and I have have not been provided any original documentation under Section 609 ( a ) ( 1 ) ( A & Section 611 ( a ) ( 1 ) ( A ) by mail, I continue to receive emails the last email was on XX/XX/2019 from the Experian credit bureau that the account have been updated and verified. with no proof of documentation. to the below accts 1 ) XXXX XXXX XXXX {$590.00} 2 ) XXXX   XXXX XXXX XXXX {$810.00} 3 ) XXXX XXXX XXXX XXXX {$970.00}

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 2019-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
My loan account with BMWF is now current, it was past due and late charges totaling the amount of {$110.00} were added to it during the time the account became delinquent. I was facing a hardship and have now brought the account current, the next payment is due on XX/XX/28. I am without a phone and have been sending secure messages to BMWF in regard to payment ( s ), the last message requested a credit in late charges which are quite high, {$110.00} total if I am correct. I requested a full or partial credit in fees and was denied, the rep referred to a one time credit in the past of a late fee, which I do not recall the rep stating it was a one time credit at the time. In fact, I am quite positive the rep did not state the credit is one time. I request a partial, if not full refund of late fees since I am now currently paid up until XX/XX/28.

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

Complaint narrative:
SECOND REQUEST I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.

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 2019-09-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have a Student Loan with Navient. 

They are taking money automatically from the bank and getting payments per the loan contract under the recorded payment plan and they are fraudulently creating late fees. They are engaged in US mail fraud. 

I have written to then for entire records of all payments, copies of the check and bank transfers made by me, since the first payment in 2008, so that I can do forensic accounting. They refused to give the entire records. 

The amount of the principal loan is fraudulent by as much as {$48000.00} or more, as they misapplied and defrauded all payments, since the first payment in 2008.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I opened an Adadvantage Aviator Business card on XX/XX/2019. I received the card, but it was locked pending business verification. I sent in business verification documents, but after over 2 months, the customer service representative said that the documents had not been reviewed yet and my account was still locked. The annual fee had already been charged for a card that I could not even use. Therefore, I closed the card and was told the annual fee would be refunded. 

The following month, I received a statement showing that I owed the amount of the annual fee. I called Barclays 's customer service and was told the previous representative made a mistake and the annual fee was not waived. The new customer service representative said they would refund the fee. 

The following month, I received a statement showing that I owed the amount of the annual fee as well as a late fee. I called Barclays 's customer service and was told the previous representative made a mistake. The new customer service representative said they would refund/waive the annual fee and the late fee. 

This cycle has continued for over 3 months, and the credit card account ( which was locked immediately after I received it, and which I never was able to use ) still shows a balance from the annual fee and late fee, despite multiple customer service representatives saying they would fix it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is the complaint against Bank of America rewards credit card ending in XXXX in the name of XXXX XXXX. 
Id like to inform u that the bank is constantly imposing late fee and interest charges even though the payments were made in full without leaving any balance behind. During this whole year ( XX/XX/XXXX to XX/XX/XXXX ), Bank of America has imposed charges for {$28.00}, {$69.00}, {$110.00} and {$120.00} which makes a total of {$330.00}. These charges were imposed after the payments {$270.00}, {$220.00} and {$230.00} were made consecutively. 
I tried to speak to a lady over the phone, but she started yelling and screaming and not listening to what I was trying to say. So Im here requesting u to resolve this issue. Id really appreciate if u could resolve this issue by removing the unnecessary charges of {$330.00}. 
As a XXXX American, I have been facing XXXX  discrimination every time I visit Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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:
XXXX XXXX XXXX continues to show up on my Trans Union credit report. i don't know what this company is. i need it to be deleted from my credit report now please. This is my second attempt to get this removed.

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 2019-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: CT

Complaint narrative:
Avant is reporting my loan account balance with them at {$16.00}, according to XXXX XXXX. This account was opened in 2015, payments were made and ceased due to disagreement over interest rate and the fact Avant did not take into account my credit score when calculating this rate. Numerous negative reviews on XXXX and other consumer review sites reveal Avant does not take into account credit score when granting loans. It appears Avant has not closed my account and instead has left it open and kept charging interest and fees when they have not agreed to adjust interest rate according to my credit score at time of account opening. The original loan amount is {$6800.00} and they are now reporting it at {$16000.00}, they are adding on fees and interest which will not be paid and they are doing this in order to place a burden on my credit score and history. Previously, I attempted to  resolve issue of interest rate directly with a XXXX XXXX at Avant as well as XXXX XXXX with XXXX XXXX, the bank whom issued the loan, Avant services the loan. XXXX XXXX defended the high interest rate of 23 %, I believe it is, he would not adjust it and or offer any remedy, I attempted to reach XXXX XXXX, my calls were blocked from the number I called from and I had to use a different number, when I reached a rep I was told XXXX XXXX does not accept calls. Instead of charging off the loan, Avant continues to add on fees and interest and has kept my account open since payments stopped in 2015, in an attempt to burden my credit score and file as mentioned prior, as well as attempt to collect payment. I will contact an attorney about this issue to see if what Avant is doing is legal or not. I request Avant to close account at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I tried to transfer XXXX, XXXX & XXXX to my XXXX XXXX XXXX XXXX account from Wells Fargo account and Wells Fargo keeps completely lying 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 2019-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
I pay all of my medical bills via XXXX XXXX and I paid the medical bills for my XXXX XXXX  in full in XXXX of this year. I have reviewed all of the bills I receive in XXXX and all are paid in full. 

I have received an attempt to collect a debt of XXXX now from a debt collection agency. I have never received a bill for this amount, and have done nothing with this XXXX XXXX XXXX of XXXX since XXXX of this year -- and that debt was paid in full at the time of service. 

Attempts to request information both from the XXXX XXXX XXXX of XXXX and the debt collection agency have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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