vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Fraudulent charges in the amounts of, {$800.00} approximate total Refer to BofA claim # XXXX Posted to my account EDD prepaid debit card. I immediately notified Bank of America so that they could close the account to prevent further charges and so they could research and refund the funds. I answered all questions the representative asked during the conversation. I was told it would take 10 business days to resolve. As I didnt hear anything after 10 days I called for status. I was told that the research had been completed and it was found that the pin was present for the fraudulent transactions. As such, they could not prove it was fraud and the funds would not be returned to me. I reiterated that I did not make the charges, nor had I been in the city ( XXXX, CA ) where it occurred in years as it is XXXX hours away from my residence. They held firm that I would not be receiving the funds back. 
A pin and card number can be stolen at an ATM using a skimmer. Im sure there are other ways as well. Claim # XXXX. Can you please assist us in having the bank do research at the same level they would if this was not a prepaid card and they had something to lose as well? {$800.00} loss is devastating for me as I am on XXXX and am now struggling to make ends meet because of some fraudster and a bank that wont help me because its government prepaid money and no loss to them.

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 2019-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
US bank charges bogus fees for overdraft protection. In addition to charging 21 % interest, they charge you {$12.00} each time it is used. I am paying interest on the money in addition to unwarranted fees.

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 2019-03-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a 30 days late payment XX/XX/2018 XXXX XXXX   XXXX.I was in shock because I was never late in my payments.The information 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 2019-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a 30 days late payment XX/XX/2018 XXXX  XXXX XXXX.I was in shock because I was never late in my payments.The information 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 2019-03-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a 30 days late payment XX/XX/2018 XXXX XXXX XXXX.I was in shock because I was never late in my payments.The information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I have filed this complaint with wells Fargo twice. They have not answered my questions. 

Please refer to complaint XXXX and XXXX. There has been no explaination as to the XXXX and what the charge is for. They want me to pay this 12 years after the mortgage was initiated? NO DETAILS of what the fees are for. I want itemized documentation. 

Wells Fargo never confirmed that taxes were owed by owner. Just assumed because they got a notification from XXXX county that taxes were due. When I spoke with Wells Fargo on the phone I was told by one of the 5 people I spoke with that they were billing for XX/XX/2018 taxes. Wells Fargo never contacted me by phone. If they has spoken to the 5 people that I spoke with they would have had my current phone number. These taxes were in dispute because the attached picture was left behind my home causing it to be on the market for 4 years and never selling. If there was ever a next time doing business with Wells Fargo I would just hand them back the keys to the house and let them deal with it instead of being responsible. I am waiting for my explainations as to my original questions that I have listed above. You should have contact with owners. By the way, the paper work you sent was old mortgage info. It was refinanced so again no answers by Well Fargo. I am still  waiting.

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 2019-03-01 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: PA

Complaint narrative:
XXXX XXXX XXXX has a collection on my file from a cable company. I contacted them to make payment because at one time I DID have an account with that cable company..but this debt was not mine. They had a completely different address where I never lived. We determined, over the phone, that this must have been identity theft. I asked them to process it accordingly. 

They did not remove it from my file. I disputed this with all three credit bureaus and they did not block the item from display ( as federal law requires ) nor did they process it as an item from ID Theft. 

Account number XXXX. Balance listed {$250.00} Address listed as XXXX XXXX XXXX, XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc.
State: IL

Complaint narrative:
Aspen collections is attempted to collect a debt that I do not owe. The original company in question is XXXX XXXX in which the account was fraudulent. The account was cancelled within the reasonable time of 30 days, but XXXX never cancelled it. The account was sold to Aspen collections in 2014. Aspen collections has added an unjustly charge each month of up to {$13.00} in order to keep the account active. None of this is owed. The account started out at {$3500.00} and has risen to {$4600.00} with these added charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2018 I was approved for a Trial Mod based on the fact that I have good income and I am a XXXX Veteran. The reason I needed a loan mod to begin with was due to my wife XXXX  and XXXX XXXX. I fell behind on payments 4 years ago. I was on a plan and then fell off the payment schedule again because I became XXXX  and didn't know it. I could n't drive and felt sick most of the day. My friend drove me to the hospital and the VA docket got me on meds immediately or I could have died. With that said I was not in the right state of mind or health to make the payments. I have since consolidated my incomes to my Wells Fargo checking account so the money goes in one account and payments can be made to Wells Fargo automatically. However, they kicked me out of the 3 month Trial MOD and would not let me pay the last 2 payments. They made me go through an appeals process that denied me because I didn't show my new XXXX expenses. I DONT have any. The VA covers it. MY income is the same my expenses are the same and I was qualified before on the same information of income and expenses. They didn't even ready what happens and labeled this an expense issue. I am so disappointed. I am XXXX years old and was a XXXX in the XXXX with XXXX XXXX XXXX and I can make my payments. I can't help that I got sick. I live alone mostly and no one to help. Please help me stop the sale. I have equity and I can't lose my home. I can make my payments and have showed plenty of income. Please HELP me. 
XXXX 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 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I subscribed to trans-union for a one month period on their website. They did not mention that it will be a recurring payments of {$19.00} every month. They've been charging me for the past 6 months. They did not send me an email / mail receipts that they were charging me all these months. The only way to cancel them is by a long wait over the phone. 

This is not how they do business. This is a rip-off.

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 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: FL

Complaint narrative:
My personal information was stolen according to a letter from the IRS, XXXX AND XXXX. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Synchrony 's Walmart credit card overcharged me. Paid {$150.00} on XX/XX/2019, but then charged XX/XX/2019 as well. Loss {$310.00} on XX/XX/2019 through my XXXX 's XXXX XXXX account and had to take out of my savings to pay rent, putting me at financial risk. The company would not respond to my call and said customer service was down around 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 2019-03-01 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: PA

Complaint narrative:
XXXX XXXX XXXX has a collection on my file from a cable company. I contacted them to make payment because at one time I DID have an account with that cable company..but this debt was not mine. They had a completely different address where I never lived. We determined, over the phone, that this must have been identity theft. I asked them to process it accordingly. 

They did not remove it from my file. I disputed this with all three credit bureaus and they did not block the item from display ( as federal law requires ) nor did they process it as an item from ID Theft. 

Account number XXXX. Balance listed {$250.00} Address listed as XXXX XXXX XXXX, XXXX, PA 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 2019-03-01 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: LEXISNEXIS
State: IN

Complaint narrative:
ORIGINAL DISPUTE : XXXX Print complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2019 Consumer Number : XXXX Case Number : XXXX It has been well past 15 days since this was submitted to LexisNexis and i still have not received any results nor have they update the original dispute with the requested documentation. LexisNexis has now violated the regulations set forth in FCRA. You had 15 days it has now been well over 30 days since submitted, 28 days since you received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Sent letter regarding a debt which I do not recognize. I sent letter back disputing the debt and used CFPB template requesting numerous questions to be answered by debt collection agency. Received response from a company with a different name and attaching summary of purported debt more than XXXX years old. This may be fraudulent as far as I'm concerned as I do not recognize this purported debt and furthermore they did not answer my queries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: TX

Complaint narrative:
This predatory lending company issued me an {$800.00} loan. After making several payments and paying it down, I was having a financially difficult time and tried to work with spotloan l. However, they threatened to put down I was refusing to pay. This was in I believe XXXX. Today, XX/XX/XXXX, my mother received a text from this company with a link, my account reference number, and the zip code in association with the account. These are the only things required to get into the account. Meaning, had my mom changed her number, someone would have full access to my account. Today my loan stands at {$1200.00}. I in no way can afford this, and to say paying these awful people back is the bottom of my life priority list, would be an understatement. Any help is appreciated.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My personal information was stolen according to a letter from the IRS, XXXX  AND XXXX. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 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: WI

Complaint narrative:
On XX/XX/XXXX I checked my credit report and found a debt collection company had a collection account for me. I called the company XXXX XXXX XXXX XXXX XXXX they said it was for a payday loan taken out in 2015. I never took this loan out and the bank they have listed is not the bank I use.

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 2019-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: IN

Complaint narrative:
On XX/XX/XXXX I wrote a check that was presented electronically. On XX/XX/XXXX the same check was then presented as a paper check. I disputed the item on XX/XX/XXXX, but it was rejected. A few days later I called back and was told a manager would call me, but did not receive a call. I waited a few days later and called back in, but was unable to reach anyone. I attempted to resolve through online chat, but was told I'd have to call in. I then tried to call in and another dispute was processed. I asked to speak to a manager who  said it was the wrong dispute. She transferred me to the branch who then processed the exact same dispute which was again rejected. I went into the branch and was assured that it would be resolved, but it has not. I have been assed {$180.00} in overdraft fees and there is still no resolution as of XX/XX/XXXX. I am told to expect a call on XX/XX/XXXX. Total loss is {$220.00} and no one is actually calling back as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc.
State: TN

Complaint narrative:
I was living at a XXXX residents up until 2016 before moving to New York. Before moving to New York I visited the XXXX XXXX XXXX XXXX in person with my roommate to switch the services to his name. 

After living in New York for over a year I get a phone call about a {$440.00} debt from XXXX XXXX XXXX XXXX. They stated that it was a recent bill that hadnt been collected. 

The home which it happened at was tore down and replaced with a new home. Not sure how the bill was $ XXXXpossibly a water leak or something but it was not my responsibility anymore and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I was told that the process of applying for mortgage would not impact my credit score adversely. My FICO score was XXXX ( Excellent ) after over 8 years of hard work and discipline. I started the process of buying a home only after I had achieved FICO score of XXXX ( Excellent ). 

Everything has gone smooth and the closing is on XX/XX/ 2019 and to my surprise I find that my FICO score has been substantially and negatively affected. It has fallen by 29 points ONLY due to " too many inquiries ''. All of these are directly related to seeking a mortgage to buy the home chosen. 

Something with wrong in terms of what we the people are led to believe and what actually happens. And then " people '' have no effective means to address the mischief by banks and credit reporting agencies that collude to indulge in legalized extortion. 

Please help directly or indirectly by pointing me to some direct & effective actions that I can take.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
Car accident on XX/XX/XXXX and car was totaled per insurance adjuster. Received letter from Kia Finance dated XX/XX/XXXX stating " This letter serves as confirmation your insurance company notified Kia Motors Finance that your vehicle was deemed a total loss ... ... .Monthly payments are not required after the date of loss. '' Received letter for missed payments on XX/XX/XXXX, XX/XX/XXXX ; Notice of Default XX/XX/XXXX ; Statement of past due amount XX/XX/XXXX. 

Called Kia Finance on XX/XX/XXXX ; spoke with XXXX who said account is pending payment from insurance, and no derogatory reporting will be reported to credit bureaus. 

Called Kia Finance on XX/XX/XXXX ; spoke with XXXX in Customer Svc - who referred me to XXXX XXXX in Collections - who transferred me to XXXX in Customer Svc -- who told me since this is a lease with claims, no payments required and nothing would be reported to credit bureaus. 

Called XXXX XXXX on XX/XX/XXXX and was told they are waiting on letter of guarantee from Kia. 

Received letter from XXXX XXXX dated XX/XX/XXXX stating they were still waiting for letter of guarantee. 

Called Kia on XX/XX/XXXX and spoke with XXXX who stated they sent letter of guarantee to XXXX XXXX on XX/XX/XXXX, and resent via fax and email on XX/XX/XXXX, but would take 2-3 days to be processed. 

Why are we receiving " attempts to collect a debt '' when initial letter said payments not required from date of loss, XX/XX/XXXX. Our jobs may be negatively impacted if this is reported as late payments or collections to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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 made an {$8000.00} payment which has been misapplied over the course of the last 10 months and now I've Been Told that the problem can not be corrected and the payment applied as I requested. Now I'm being forced into forbearance and I have a negative score on my credit as a result.

Company response to consumer: Closed with explanation