vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/18 a dispute was sent to company regarding XXXX XXXXXXXX XXXX # XXXX {$3100.00} and XXXX XXXXXXXX XXXX # XXXX {$940.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
OK I gave these people everything now I want the name of the person and how he got my information. 
They replied after their investigation I am not responsible for the debt. 

Mr. XXXX, I have received the documents that you sent regarding your identity theft claim. To complete your ID theft claim with XXXX XXXX, please submit the following : Identity Theft Affidavit - A legible copy of a valid U.S. government issued ID ( drivers license, military ID, state ID card, passport ) Proof of Residency - Please provide a utility bill ( phone, electric, water, etc. ) which shows your physical address for the month of XX/XX/2016. Bank statements, credit card statements, monthly car insurance statements, etc. are also acceptable. The documents must have a billing/statement/closing date within the requested timeframe. The documents MUST show a physical address. PO boxes, etc. will not be accepted. 

This information should be faxed, mailed or emailed to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Fax : ( XXXX ) XXXX XXXX Thank you for your prompt attention to this matter. I will research your request as soon as I receive the documentation. 
If you have any questions please feel free to contact me at ( XXXX ) XXXX or by replying to this email. 
Thank you, XXXX XXXX Identity Theft Team XXXX XXXX, XXXX PART 2************************************************************************************* Mr. XXXX , I have received the documentation that you sent in regarding your identity theft claim. Based on the information and documents you provided, I have determined that you are not responsible for the XXXX XXXX account in question. XXXX XXXX will get the account removed from collections and from your credit history if applicable. Please allow up to 8 weeks for the account to be removed from your credit history. You will receive a letter by mail in about one week which verifies that I have approved your claim. Please keep the letter for your records. 
Please be aware that the perpetrator of this crime has your personal information including your name, full Social Security Number, and date of birth.

To protect yourself from instances of identity theft, XXXX suggests that you contact the credit bureaus to freeze your credit file. Links to their websites have been included below. In most cases, the credit bureaus will waive their normal fees for freezing your credit when you submit paperwork, including a copy of your police report, with your request. 
XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions please feel free to call or email me. 
Thank you, XXXX XXXX Identity Theft Team XXXX XXXX, XXXX ( XXXX ) XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/18 a dispute was sent to company regarding XXXX XXXXXXXX XXXX # XXXX {$3100.00} and XXXX XXXXXXXX XXXX # XXXX {$940.00}, XXXXXXXX XXXX {$1600.00} Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.

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 2018-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I made a monthly payment to BMW financial services for my XXXX BMW XXXX in the amount of {$500.00} though the BMW customer account website. The money was drawn directly from my bank account on XX/XX/XXXX. On XX/XX/XXXX BMW financial services illegally drafted additional funds from my bank account in the amount of {$560.00} and applied it to my BMW account, that money cleared my bank account on XX/XX/XXXX. I did not authorize this transaction. I I have spoken to numerous supervisers with BMW financial services Advising them of the overpayment for this month and requesting a refund. I have faxed and emailed information from my bank showing both transaction cleared my bank account. I spoke with XXXX XXXX ( manager ) XXXX XXXX ( customer service advocate ) and received an email from XXXX XXXX XXXX ( chief operating officer ).  As of today XX/XX/XXXX I have not received a refund. I have never made a late payment or had funds returned and I am upset that the managers all refuse to return my overpayment amount that they illegally obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diaz & Associates, Inc.
State: TX

Complaint narrative:
On XX/XX/2018 the company Diaz and Associates contacted my human resources department at my employment. They stated that they were trying to set up a time for me to meet with the sheriff 's office off site. I told them the debt was not mine. I sent them a cease and desist letter by mail, fax and also email at XXXX. 

I received a voicemail at XXXX on Monday, XX/XX/XXXX, another voicemail on XX/XX/XXXX @ XXXX XXXX and another voicemail on XX/XX/XXXX @ XXXX XXXX. regarding this debt. The last two voicemails from someone named XXXX. They have disregarded my letter stating not to contact me. Also they are misrepresenting themselves as a law office that will send the sheriff 's office to my home or work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/18 a dispute was sent to company regarding XXXX XXXX/XXXX   {$1100.00}, XXXX XXXX {$810.00}, XXXX XXXX XXXX XXXX {$240.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.

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 2018-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a {$300.00} payment through my Chase Bank XXXX service offering transfers. The recipient was a scammer and I called my bank to report the fraud.

My bank said they would try to recover the funds but there was nothing else they can do about the fraudulent transaction.

As a trusting consumer and loyal customer to my bank, your bank should not offer any services that are not backed up or protected by the bank.

As a consumer, I trust that any service your bank offers should be protected and safe, I mean it's your bank.

The transfer went from one bank to another so it should be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/18 a dispute was sent to company regarding XXXX XXXX/XXXX   {$1100.00}, XXXXXXXX XXXX {$810.00}, XXXX XXXX {$1000.00}, XXXX {$1600.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/18 a dispute was sent to company regarding XXXX XXXX/XXXX   {$1100.00}, XXXX XXXX {$810.00}, XXXX XXXX {$1000.00}, XXXX {$1600.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.

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 2018-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Original SBA Loan amount {$730000.00}, Wells Fargo was the lender. XX/XX/XXXX. I went out of business in XXXX and had a buyer for the XXXX XXXX XXXX but Wells Fargo would not let us proceed with the sale. XXXX XXXX, the vice president who was supposedly helping me went so far as to say any monies the buyers would pay had to come out of a Wells Fargo account. And when she almost agreed to the contract she backed out, saying she wasn't sure the new owners would be successful. But they were not asking to borrow money from Wells Fargo so it was just not related. 
They moved to foreclose on the property. 
I asked the SBA if they could tell me how I owed. They told me my lawyer would have to get that information from Wells Fargo. Wells Fargo would not give us information about how much we owed or the fees they were charging. The SBA does not offer assistance to lenders, just the banks. 
We offered Wells Fargo {$850000.00}. They did not accept the offer. 
Wells Fargo would not tell us how much we still owed on the XXXX XXXX XXXX and Wells Fargo foreclosed on XX/XX/XXXX. They told my lawyer they would not foreclose on my husband 's ranch until after the XXXX XXXX XXXX sold. 
Wells Fargo reported to my lawyer XXXX XXXX that they sold the XXXX XXXX   for {$590000.00}, leaving a deficiency of {$210000.00}. This was given to my lawyer verbally with no details or proof or paper work. I find this astonishing that they refused {$850000.00} and now are allowed to foreclose on my husband 's ranch. 
Now we find out they have a contract to sell the XXXX XXXX XXXX  for " about 800,000 '' according to the buyer. So they will get my husband 's ranch for free, with 65 acres in the Texas XXXX XXXX with a spring fed creek, fenced and cared for by XXXX 's family for over a hundred years. We thought it was safe because we knew the child care was worth more than we borrowed. XXXX XXXX agreed. 
I didn't apply for this loan but I did everything XXXX XXXX, award winning closer, told me to. I told her I had XXXX XXXX, XXXX. She was so sweet on the phone and told me she would help me every step of the way, that I would be a big success. Then when I called her after the closing she told me not to call her again. Her letters and emails were very rigid and business stuff, but her calls were very sweet until I closed and signed everything over.

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 2018-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Company is showing a medical account XXXX XXXX {$320.00} which is a HIPPA Violation.

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 2018-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: TX

Complaint narrative:
I have a mutual fund account in joint tenancy with my father is is XXXX years old and in a nursing home. Three years ago when he was moved to a nursing home I changed his address because he could no longer keep a Post Office Box and I live in another state. Three years ago he signed a Durable Power of Attorney. I changed his legal address to my own address and I handle all of his financial affairs including his tax returns from my address. BNY Mellon as manager of  XXXX XXXX refuses to change his address. They have also blocked all online access to the account. The post office and myself have sent them proper notification. They have refused to issue dividend checks to the new address and now are saying they must turn over the last three years dividends to the unclaimed money fund in their state of operation. They have made changing the address impossible by asking for things that do not exist ( my dad does not have a driver 's license at age XXXX ) and even refused the power of attorney stating they want a new one less than 60 days old verified by a " an authorized officer of an acceptable financial institution '' meaning that there is no one they will allow to verify it because they can not define this terminology. This is essentially extortion because they have set the hurdles so high to change the address that it is impossible to retrieve the money due to myself and my father.

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 2018-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is reporting that my payment for a HELOC account with my local Credit Union is 60-89 days late. There is a {$0.00} balance on this account, meaning that I owe no money, and I have never missed or been late for even one payment. This is reflected in correctly Transunion 's own " Payment History '' of the account, yet they have it flagged as 60-89 days late for a payment that is not due because the balance is entirely paid off. I opened a case with them, that they then closed and did not correct the error. 

NOTE : none of the other bureaus are having trouble reporting correctly on this account.

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 2018-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had initially applied for a Gap store credit card back in XX/XX/2018. On XX/XX/2018, I attempted to use this card at a Gap store by having the store associate look up my account with my SSN. She attempted this 2 times, but on each occasion she said that the was no record of my Gap store credit card. She then mentioned that the the credit card could become cancelled due to lack of activity. She then said that I could take advantage of the promotion on XX/XX/2018 by re-applying for a new Gap store credit card, which I did. I was approved and able to make the purchase. Today, XX/XX/XXXX, I decided to double-check whether my original Gap store credit card was cancelled by calling up Synchrony 's customer service number in the back of the card ( XXXX ). The representative had mentioned to me that my card became inactive, but as long as I activated the account would be good to use. Needless to say, I'm frustrated by the misinformation provided by the Gap   associate and needlessly opened a 2nd Gap store credit card, which will obviously impacts my credit bureau. I would like to ensure the CFPB is aware of situations such as these, where Synchrony ( or any financial institution issuing the credit card ) and respective stores facilitating the applications for store credit cards, have the appropriate processes in place to avoid consumers from being mislead to open up new accounts. If you need further information from me, please don't hesitate to reach out. 

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 2018-08-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Attempted to try to resolve problem with Wells Fargo. My home is undervalued by {$100000.00} and has been for 10 years. I have paid approximately {$400000.00} in interest on a {$480000.00} mortgage loan. I am unable to refinance the loan due to no equity in my property. I have been stuck in a 10 year ARM loan with no other options available to me. My mortgage payment has increased 32 % since XX/XX/XXXX when home was purchased while my income decreased by 28 % due to retirement, now living on pension. I have been denied a modification because I received a 2 yr temporary loan reduction in XX/XX/XXXX which expired XX/XX/XXXX. It has been confirmed by Wells Fargo that I expressed concerns about the interest only 10 year ARM mortgage and the temporary status of the loan when notified of the temporary loan. I was lead to believe that I could reapply for new modification upon expiration of the temporary loan reduction only to be told upon reapplying acceptance of the temporary modification rendered me ineligible for future modification. This was a significant term of the conditition of the temporary loan modification and I should have been informed of this as a condition of acceptance of the modification. I have no other options but foreclosure or short sale which, both will require me to vacate my home. I am almost 70 years of age. There should be some assistance for for the elderly.

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 2018-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
All inquires on my credit report is incorrect

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 2018-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for a car loan and received varying information from the credit bureaus and the services who monitor my scores like XXXX and XXXX XXXX. 

XXXX XXXX which has which has a service called Credit Wise, shows my score of XXXX, XXXX has a service called Credit Score showing XXXX. 

If I go to XXXX which I have a paid service, it shows XXXX, Equifax XXXX, XXXX   XXXX. They all have the same negative items and a lot of bad information all together. 
Old and closed credit cards done in XX/XX/2008 when I lost my job, based on a bad economy. 

First off, how can they vary so much with the same information? 

I sent a dispute letter to all three service, based on items that were 10 years or older and bad addresses and wrong past employers. 

Items 8 to 10 old should not appear according to Fair Credit Report Act. 

The 3 bureaus replied to those Disputes stating I made payments several years after they were closed, which is totally false. 

Household Income went from a 140,000 to 75,000 so I could not make any payments having just enough money to make mortgage, car and insurance payments, utilities essentials and food never mind payments to credit cards. 

I was out of work about 4 years and could not make payments to any of those cards at any time. 

I can't help but think they make false payment statement to keep the negative items on the reports as long as they possible can, and the varying scores and information like addresses, employers proves their inefficiency. 

If they are all monitoring the same information how can they be so different, and false. 

Please help because they are once again like our banking industry getting out of control, can't help but think its based on the present administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: CT

Complaint narrative:
This is with regard to multiple issues with DiscoverBank. After trying to obtain resolutions from customer service people at call centers approached a different way, letter to the CEO, reported bank to every federal agency out there, now this one. Was contacted by a XXXX XXXX, claiming to be Associate, Executive Advocacy, DiscoverBank, who told me to deal directly with her, she even gave me her direct phone number, informing me there were 8 people in this Executive Advocacy group. Since then, of course can not reach her at all, trying for a week, get message, we are closed, try next business day. Same message when trying to call customer service. WHAT! Have on going IC3s with the FBI, in DC as well as my home state, Connecticut. My banking is becoming ridiculous, opening accounts, closing accounts because of fraud, you name it. Had accounts with XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, to name a few. I have had various accounts my entire life with no issues to report, now, my banking has been an abomination.

Company response to consumer: Closed with monetary relief