vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: CO

Complaint narrative:
I bank with Keybank. On XX/XX/2018 they charged a fee for an annual rewards relationship to my account for {$40.00}. I have a letter from them stating they are stopping the program and will no longer be charging that fee. As a result, that charge resulted in a NSF of {$37.00}. Those two fees took be negative and kept it that way thus generating further fees. If those fees had not happened ( as per their letter ending the program the fee was charged for ) none of the other fees would have happened. I have calculated daily and would have had a positive balance with deposits and debits. I am asking for {$170.00} in NSF fees from XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX as well as the {$40.00} fee. Total of {$210.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I mailed out 4 Certified letters to the collection agency that are on my credit report, asking for validation of Debt and HIPPA authorization, I have yet to receive my proof of signature. In XX/XX/XXXX I mailed out Certified envelops and all the paper work to show proof that they didn't provide me my request to the three credit bureaus they did remove some of the medical collection, I am still waiting on the 7 collections to be removed, They never responded to my letters and its way over due, and I get denied for credit loans. Its very frustrating when I'm working really hard on my credit and the credit bureau does half of a job. I see from my XXXX XXXX that XXXX is reporting 6 of the medical collections, and XXXX is reporting 14 of the medical collections and XXXX  is reporting 13 of the medical collections that should be off my credit report. and also I have disputed on XXXX XXXX   and they did investigate and found in my favor with XXXX XXXX that they are reporting back in XX/XX/XXXX of a late payment I have NEVER paid late, my payments are made early or on time never LATE. And thats still on my credit 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 2018-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
The year of XX/XX/XXXX Tax information was amended. I owe a XXXX balance by the social security administration. It's when I applied for XXXX that i started receiving these harassing phone calls and letters. This is a collection agency i never heard of false information. I don't owe {$5700.00} to the Irs. I wasn't working in XX/XX/XXXX and XX/XX/XXXX. I only worked for the XXXX XXXX XXXX and that was only years. I'm being harassed by a company named conserve. I don't know them and never did business with them. I owe student loans. By the Department of Education that i must pay monthly. It's not fair that I am being harassed every day. I have a freeze on my credit report. How was they able to biy this account and harrass me. I send in all documenations disputing this claim. And they still are trying to collect a debt i donot owe. At all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
American Express XXXX me about atm withdrawal benefit and features. When I went to use the atm cash withdrawal ... it would not work as communicated to me. I then call CS back and received a different story. Second time trying the process did not work, after multiple times with different customer service against and hitting my frustrations level on the tenth time callin CS I decide to be at the atm at the same time. One the agent found out I was using his instructions while standing at the atm he then told me it wont work. I then ask for his supervisor AMX at that time was unwilling to help me with my issue. I ended up closing the account give how good is the product when they do a bate and switch and you cant use the card. Dont what to pay an annual fee when you cant use the benefit they advertise and try to promote.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
last XXXX i was making a payment, on time, to specialized loan service SLS. i went online to do this. 
i was duped by a company XXXX. a third party pay scam. never submitted payment yet they processed it anyway and charged me XXXX to do so. 
i never hit their submit button! 
anyway not knowing they submitted it I then called SLS a few minutes later to make a phone payment instead, which i did. that is two payments i made the same day. I thought i made a one payment. bank called to tell me i was overdrawn on that account.

i immediately called SLS and told them what happened. Since they received two payments in one day they said they would send one of them back. XXXX payment back in 10 business days by mail. 
that did not happen and after 27 business days i called them to see what happened to my money and after speaking to them they agreed to credit me and to apply that amount XXXX for my XXXX payment. So all is cool i thought till late XXXX when i get a letter from SLS telling me they electronically sent a refund to my bank. This refund was my XXXX payment and i receive a month and a week later So i called them and sent it back to them via phone immediately. 
Ok, its now XXXX, i go to make XXXX payment and they say i owe for XXXX after they have been paid for XXXX. 
I talked to them 12 times to resolve. They agree with me, tell me all is good and i have all the id numbers of their persons i spoke with. 
Ok, i go to make XXXX payment and they inform me i owe a late charge for last month. i almost fell off the floor! so they review and once again they tell me i right and wave the late charge. 
each time i ask them about my credit report and they all made claims it would not be reported and no harm to my credit score. you can guess the rest, my credit score takes a beating i am trying to rebuild my credit after injury. if you could help i would be soooo grateful. 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 2018-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Lady needing funds to settle and process father 's will in XXXX XXXX. 
Banks would not loan her money. Her attorney XXXX XXXX and her uncle XXXX XXXX contacted someone to fund her needs. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I received 4 checks electically deposited into my checking account at Wells Fargo Bank. Bank  emailed me saying funds available. I with Drew the funds and paid bills to attorneys in US as directed. Checks were resended by Bank as unpaid. I shelled out the money as deposited for a total of about {$67000.00}. I ask Bank for help. They just closed my accounts. Wouldn't tell me anything. I made report to my sheriff, secret Service, and XXXX CT police. The check we're on XXXX XXXX XXXX XXXX XXXX. Address was XXXX CT. I wrote letters with no results. Bank wants the money replaced. For now my Lady friend and myself are in financial trouble. With no one or way to fix. 
Wells Fargo was responsible for telling me the funds were good. They did. Then took the money from me and closed my accounts. 
I think the Bank should be responsible the money and not me. 
I understood the funds would be bank wire with money supporting the deposits. I had no idea who the deposits cam from. I could not see with my app. I had to go to my branch to get copies. Which was days later and after writing the trust.

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 2018-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
XXXX XXXX @ XXXX from XXXX Ohio contacted me today at XXXX XXXX PST from XXXX with a recorded message that " my refusal to sign for a summons could result in negative action against me in court. '' When I was connected to a live person I was informed that they were contacting me regarding a prior loan/debt from XXXX XXXX dating back to XX/XX/2007and a vehicle purchased for my ex-wife. Their representative informed me that this was a " courier '' message related to " pending litigation. '' At that point I told them this debt was disputed and several years outside the Nevada statute of limitations for filing an action. At this point they tried to tell me they were merely a " mediation firm '' and not a debt collector, despite their attempts to have me pay on an unenforceable debt. This is a clear violation of the FDCPA. Though they would not give me their address, they called from the above number and provided a fax number of XXXX. I am requesting my statutory damages for their violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: Conn's, Inc.
State: TX

Complaint narrative:
I have had one account with CONN 's that I opened XX/XX/2013. Conn 's has reported this account as five different accounts on my credit report. I just recently checked my credit and CONN 's was showing me past due and that I owed {$350.00} on the account. I have set up payments multiple times to re-occur so that my account would stay current. Here is what I found out after talking with a customer representative with CONN 's and is what I believe is an unfair practice that CONN 's uses to report derogatory information. Conn 's never sends out a past due notice either electronically, by mail, or by phone. You might get a phone call if your account is 90 days past due. Also, when you set up automatic payments over the phone they can only be done for 3 or 4 months at a time which is something that I was unaware of. Conn 's his a high risk granter of credit and I believe they use this practice to keep peoples scores low so they will have repeat business. I myself have received several offers to increase my credit by mail but not one late notice. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: GA

Complaint narrative:
I need your help with XXXX, XXXX, Transunion that is reporting bankruptcies and other accounts that are not mine. Please have them to prove where I filed bankruptcy and opened these accounts. I would like for the incorrect information to be removed from my report immediately. 
1. Bankruptcy : Discharged CH-XXXX  XXXX  : XXXX-DSP-XX/XX/XXXX XXXX  : XXXX   Transunion : XXXX.

2.XXXX XXXX XXXX : XXXX XXXX : XXXX   Transunion : XXXX.

3.XXXX XXXX XXXX  : XXXX Transunion : XXXX.

4.XXXX XXXX XXXX XXXX : XXXX 5.Bankruptcy : Discharged CH-XXXX   XXXX : XXXX-DSP-XX/XX/XXXX XXXX  : XXXX Transunion : 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 2018-11-08 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:
I need your help with Equifax, XXXX, XXXX  that is reporting bankruptcies and other accounts that are not mine. Please have them to prove where I filed bankruptcy and opened these accounts. I would like for the incorrect information to be removed from my report immediately. XXXX1. Bankruptcy : Discharged CH-XXXX Equifax : XXXX-XXXX-XX/XX/XXXX XXXX : XXXX   XXXX : XXXX.

2.XXXX XXXX Equifax : XXXX XXXX : XXXX   XXXX : XXXX.

3.XXXX XXXX Equifax : XXXX  XXXX : XXXX.

4.XXXX XXXX XXXX XXXX  : XXXX 5.Bankruptcy : Discharged CH-XXXX   Equifax : XXXX-XXXX-XX/XX/XXXX XXXX : XXXX XXXX : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report XX/XX/XXXX which I have file three disputes and I disputed 18 inquires that was not authorized by me for credit due to ID theft .Which I provided credit bureau proof. I have not heard back from bureau yet. 

Inquiry Date 1XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3XXXX XXXX XXXX XX/XX/XXXX 4 XXXX XXXX XX/XX/XXXX 5.XXXX  XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXXXXXX XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8XXXX XXXX   XXXX XX/XX/XXXX 9 ; XXXX XXXX XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XX/XX/XXXX 12.XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX 14 XXXX XX/XX/XXXX 15 XXXX XXXX XXXX XX/XX/XXXX 16.XXXX/XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 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: AL

Complaint narrative:
I have disputed the information through XXXX XXXX in XXXX of XXXX is order for this information to be removed from my credit report. I have contacted a credit counseling agency and they will send letters to the credit bureaus to remove the information from my credit report. Basically someone has used my social security number to obtain student loans in my name. I was XXXX from XX/XX/XXXX through XX/XX/XXXX. I did not graduate from high school therefore I do not qualify for student loans and I have never attended a college or university.

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 2018-11-08 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: AL

Complaint narrative:
I have disputed the information through XXXX XXXX in XXXX of XXXX is order for this information to be removed from my credit report. I have contacted a credit counseling agency and they will send letters to the credit bureaus to remove the information from my credit report. Basically someone has used my social security number to obtain student loans in my name. I was XXXX from XX/XX/XXXX through XX/XX/XXXX. I did not graduate from high school therefore I do not qualify for student loans and I have never attended a college or university.

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 2018-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
XX/XX/XXXX ... .Visit Citizens Bank . check act balance [ {$260.00} ] ... Service Charges total [ {$350.00} ] for 14 months [ {$25.00} each month ] started XX/XX/XXXX I closed my account and withdraw my balance [ {$260.00} ]. I had no statements for fourteen months, no emails, no simple phone call. 

XX/XX/XXXX Visit Citizens Bank ... met with branch manager ... .she reimbursed me with {$50.00} ... .and she said some one will call you monday or tuesday or wednesday or thursday ... ... ... .no body call XX/XX/XXXX Now ... Citizens Bank owe me {$300.00} ... ... my account was a normal account ... .no minimum balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MN

Complaint narrative:
I am trying to refi my current loan that is with American Education Services. About 5 years back, AES transferred my account to a new account and in doing so my name dropped of the loan account. I was the primary loan holder and my father was the cosigner. I have been paying this loan for the entire time. Now that I am trying to refi the loan, I am being told my name needs to on the loan. I call AES and tell them this needs to be fixed and they tell me they can not give me any info regarding my account. They say my SSN is correct but I am not giving them the correct birthdate. I give them my father 's birthdate and that is not correct either. They asked me to fax in my driver 's license which I did on XX/XX/18 and explained that they need to fix this ASAP as this is their system error and my refi paperwork is on hold. I just called them today and they say they still have not received my fax and will not help me. This is ridiculous customer service. All of these system errors are because of them, not me. How do I even know this is my loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: MI

Complaint narrative:
I have submitted disputes with XXXX, XXXX, and experian about balances and incorrect reporting of student loans and also student loans that do not have contracts. Experian and XXXX has refused to dispute these items and did not validate or verify information with the companies but stated that they were valid and updated while none of the accounts were updated or valid. Upon asking for re investigation it was denied although the accounts were never investigated. XXXX  investigated the accounts and deleted them because there are no contracts and and are also reported incorrectly/open close dates/amounts/ balances/etc. I am seeking the method of verification from XXXX  and experian as they are not valid and there are no contracts for these accounts. I am adding the disputes so that they can be re investigated validated and deleted immediately. The Credit reporting bureaus Refuses to investigate items but will state in dispute letters that it has been investigated upon contacting the company the companies state that they have not validated or verified any information with the credit reporting bureaus. I have attached the dispute to this complaint

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 2018-11-08 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: FL

Complaint narrative:
The two accounts that's reporting on my credit file XXXX  XXXX and XXXX XXXX XXXX XXXX was never verified by the credit bureau that it's my debt and all the things that's reporting. This is against the FCRA & CFPB. I've sent letters every month certified and they refuse to investigate or sent me proof that's both are my debts.

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