vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-11 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:
XXXX # 1 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX  # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX  XXXX  # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX   # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Transunion TU # XXXX XX/XX/XXXX sent, response recieved, XXXX  XX/XX/XXXX, no changes TU # 2 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes TU # 3 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes TU # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes TU # 5 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Once you have seen and read the multiple attempts utilized by me to correct the problems please hold credit bureau in question accountable for their willful disregard for the legal law I have afforded to me under my rights as to have negatives items deleted from my credit report. 

The credit bureau in question is also quite adept at responding to my multiple attempts to have them remove negatives on my report with answers to questions I have not asked them, while not addressing the issue I state in my multiple dispute letters. again Please Please don't allow them to get away with these deceptive ploys and misdirections. 

I as a consumer don't have the legal power and authority that you have. Again in closing please simply see read my attached documents for best description of my complants with credit bureau in question. 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 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 2 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 3 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Equifax EQ # 1 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # 3 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # 5 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX XXXX # 1 XX/XX/XXXX sent, response recieved, XXXX XX/XX/XXXX, no changes XXXX # 2 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 5 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Once you have seen and read the multiple attempts utilized by me to correct the problems please hold credit bureau in question accountable for their willful disregard for the legal law I have afforded to me under my rights as to have negatives items deleted from my credit report. 

The credit bureau in question is also quite adept at responding to my multiple attempts to have them remove negatives on my report with answers to questions I have not asked them, while not addressing the issue I state in my multiple dispute letters. again Please Please don't allow them to get away with these deceptive ploys and misdirections. 

I as a consumer don't have the legal power and authority that you have. Again in closing please simply see read my attached documents for best description of my complants with credit bureau in question. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I have up until now been a satisfied XXXX owner and have leased at least 6 vehicles and negotiated probably a dozen more for friends or clients. In XX/XX/2017, I realized I would drive more miles than I was contracted for so I spoke to a XXXX agent and purchased additional miles for the term of the lease. The agent confirmed that I would receive a cash credit for any extra miles unused. However, when I got my lease end statement, although the statement shows a total mileage credit of {$1500.00} and after legitimate charges, a net credit totaled {$560.00}, but instead of being paid this sum, the statement shows " other charges '' zeroing out the {$560.00}. I called and spoke with the manager XXXX at XXXX who said it was " XXXX policy to not reimburse overpaying for miles. '' I explained to XXXX that the XXXX agent told me the exact opposite and that's why I liberally purchased the miles that I did. He said he would research it. I asked for documentation at the time of my purchase showing this policy as if I had seen I would have immediately cancelled or revised my purchase. He said he would check for that and the associated phone records. He left a voicemail the next day but with no details and no direct line, only the general 800 number. I had to go through the whole process again as if it were my initial call until I got an agent that could pull my record. That agent said that there were notes on my file that said, " if customer calls back, tell him XXXX is not reimbursing him, XXXX. '' There was no additional substantiation and the agent was unable to provide any other details. I told the agent to document that I was completed unsatisfied and that I would be filing a complaint with the CFPB for a full reimbursement as I am sophisticated buyer and had closed many leases and would not tolerate this mistreatment. She offered to get XXXX on the line, but I had already told him that I would require reimbursement otherwise I would be contacting the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: DE

Complaint narrative:
Equifax continues to publish a fraudulent address on my credit report that was used to open a fraudulent accounts with XXXX XXXX and XXXX XXXX. 

I never lived at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/XXXX, I tried to use my debit card to withdraw available funds. I received repeated denials at more than one ATM. I called Discover Bank and was told that my card would no longer work and I would have to wait 7 days to receive a new one. 

I told the bank I needed access to my money more quickly and asked them to waive fees for a cash advance or other solution but they refused. 

Therefore I was unable to use my funds I also still have not received a new card as they had promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TN

Complaint narrative:
Conn 's HomePlus is constantly harassing me over a debt that is not even excessively late. My payment is approximately 17 days late. My fiance has been critically ill in a XXXX in the past XXXX days and was in the XXXX  a total of 25 days. This understandably so has put me in a bind. I have repeatedly expressed to Conns that I will pay them as soon as possible but they continue to call from a different phone number every day at least a DOZEN times per day. I am a long time customer and the harassment is absolutely ridiculous. It is getting in the way of a already very stressful time and is beyond excessive!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11 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: ECMC GROUP, INC.
State: WA

Complaint narrative:
I filed chapter XXXX bankruptcy in XX/XX/2015. XXXX  loans were discharged, yet were resold several times despite that to various collection companies. Each time I have contacted the collection company directly, provided them copies of the bankruptcy and discharge notices. Every couple of months, despite contacting all three credit bureaus directly, they reappear on my credit report. I have to submit a new dispute and start all over again. They are currently with XXXX XXXX XXXX XXXX XXXX, XXXX collecting on behalf of XXXX XXXX XXXX XXXX. They call me multiple times a day, despite paying for and providing them documentation of the bankruptcy and discharge notice from now almost 3 years ago. I am feeling harrassed and my credit is being abused and the credit bureaus aren't helping. I don't want to be forced to take thrm to court, but they won't stop and the law should protect me from this. Please assist! 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 2018-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, In XX/XX/2017 I got into an automobile accident when a XXXX  driver swerved into my lane. I was injured and then I had gotten an XXXX XXXX XXXX XXXX and was stuck up in a hospital for 7 weeks after that. I am just now recently returning to work and have had 9 overdraft/nsf fees from being out of work. 7 fees in my every day checkings account and 2 in the savings account. I went in and showed documentation of my issue and the store manager tried the best he could. 9 {$35.00} = {$310.00} in fees collected by Wells Fargo. The manager said the company system only produces what we can do to help the situation, and couldn't control it. He said he was able able to recovery 25 % on those 7 transactions in my everyday checkings 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 monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX my car along with some of my neighbors cars were broken into, and my phone and wallet was taken. Police was called where a report was filed and my phone company was notified. Neighbors reached out that same day saying the found some of my cards in the bush on my street, because of my work schedule and theirs I couldnt meet with them until the XX/XX/XXXX to get it. On XX/XX/XXXX I contacted my bank due to my American Express not being part of the cards that were located. They rep told me of transactions made on the account on XX/XX/XXXX. I informed the rep what happened and she filed a dispute. American Express denied my dispute and I refilled it in which the denied it again. I reached out to the police and merchants In question and they told me to contact my bank. I contacted my bank again and she told me to send information that shows my phone was stolen in which I did. After speaking with a rep and supervisor, they told me they will file an appeal. Later, I was informed they cant file an appeal because it shows the phone that was stolen was an XXXX phone and it says on my dispute I had never done business with XXXX Pay before. I informed the rep that the phone stolen was an XXXX phone but I have never done business with XXXX Pay, nor is any of my cards linked to them. She says because I had an XXXX phone that was stolen they can not appeal my claim for {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I was duped into an interest-only payment plan, I was switched to a long term graduated repayment plan for 25 years. Now am paying nearly 100 % interest and making zero progress on principal. I was never notified how much interest I would be paying ( an exorbitant amount compared to principal ). I have not been paying these since XX/XX/2016 and have paid over {$26000.00} without anything being applied to principal ( {$65000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: AES/PHEAA
State: NJ

Complaint narrative:
I was called today by the XXXX XXXX XXXX XXXX about student loan forgiveness they were able to get all my information and they seemed like a scam. I spoke to someone named XXXX XXXX and he wouldnt give me his last name. They were to send my information to me but never did. Im nervous that my identity will be stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
In addition to charging 22.99 % interest, which I thought was usury and therefore illegal, Credit Acceptance has added over {$500.00} to what I owe, and refused to explain why. I openly entered into the agreement, so I am not looking for a remedy for the crime of usury. 
I have been making extra payments nearly every month for eleven months. According to several amortization calculators that I have used I should owe {$820.00} effective XX/XX/XXXX. According to the person who I spoke with on the phone on XX/XX/XXXX, my payoff balance as of XX/XX/XXXX will be {$1300.00} and will continue to increase until paid after that date. 
I previously called and asked for a breakdown of what I have paid and what portion of the payments went to interest and what part to principle. They sent me a list of the payments that they have received. It agrees with my records, but they did not explain the difference in our calculations of a payoff amount. 
I think I made myself more clear to the person I spoke to on XX/XX/XXXX, and he refused to send me any additional information.

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 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was called today by the XXXX XXXX XXXX XXXX about student loan forgiveness they were able to get all my information and they seemed like a scam. I spoke to someone named XXXX XXXX and he wouldnt give me his last name. They were to send my information to me but never did. Im nervous that my identity will be stolen.

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 2018-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I filed chapter XXXX bankruptcy in XX/XX/XXXX. In my filing I informed Chase Mortgage that I would not be reaffirming the debt and I would be surrendering the property. Once Chase received the chapter XXXX notification with the notice that the loan would not be reaffirmed, Chase sold the mortgage to XXXX XXXX. I am not familiar with the mortgage laws concerning purchasing or selling mortgages but it would appear that Chase knowingly sold a mortgage to another mortgage company knowing the status of my bankruptcy filing. I was discharged in XX/XX/XXXX and now XXXX XXXX  is showing the same mortgage on my credit report in a negative status. So, now I have the same mortgage showing twice on my report by both Chase and XXXX. I realize that the Chase mortgage would report negatively on my credit but I should not have the same mortgage reported twice, negatively. As a mortgage lender, Chase Mortgage would know that these circumstances would occur, creating dual reporting by separate Mortgage companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Circle Internet Financial
State: SC

Complaint narrative:
I have a money wallet on circle.com, I tried to deposit my money and they're saying that my money is being held. I tried contacting them and they replied with the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I recieved multiple calls from a Commonwealth Financial Systems , Inc. before XXXX and after XXXX  CT on multiple occasions as well repeated calls to relatives from XXXX, XXXX, XXXX XXXX, XXXX XXXX. These appear to be from Commonwealth Financial Systems , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I mad my XX/XX/XXXXcar payment which was XXXX $ with the processing fee which left my balance at XXXX $ I then made an early payment for XX/XX/XXXX on XX/XX/XXXX of XXXX and asked that the extra XXXX $ be applied to principle On XX/XX/XXXX I made an early payment for XX/XX/XXXX of XXXX and asked the extra XXXX $ be applied to principle balance None of my principle payments have been applied to the balance and the company has not updated my payments since XX/XX/2018 which is 3 months ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have submitted dispute to the three credit bureaus to verify this account. On three separate occasions this account has came back verified by XXXX  and XXXX. XXXX   sent result stating that this account was not verified and it did not belong to me and it was deleted. If XXXX  was unable to verify this account how is this account verified by XXXX  and XXXX? I request that this inaccurate unverified account to be deleted promptly from XXXX  and XXXX. If this account is indeed accurate and valid I request the original signed contract with my original signature.

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 2018-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R&R Professional Recovery, Inc.
State: MD

Complaint narrative:
I received a phone call on XX/XX/XXXX regarding this account that is being reported on my credit report. I asked the representative on the phone to please send me written verification of this debt including the dates that the debt was incurred. I didn't receive anything to that affect. I mailed a letter asking for validation of the debt again on XX/XX/2018. I haven't received anything regarding this account. I did some investigating and found that this account is more that 8 years old so I would like the creditor to validate or cease. I would like this creditor to remove this listing from my credit report immediately and cease trying to contact me about this debt that I believe to be well outside the statute of limitations.

Company response to consumer: Closed with explanation