vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS
State: OH

Complaint narrative:
Lexis Nexis Consumer Center XXXX XXXX   XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: MS

Complaint narrative:
I was only late over 30 back in XX/XX/2017. I had on time payment untill I had a dispute. Then my report started showing 30 day late every month or more because of a XXXX dollar late fee That I wasn't notified of. I paid what the representative told me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am not aware of this XXXX XXXX XXXX XXXX XXXX , XXXX balance. I have never seen anything dealing with this lender. Also, I have been threated that in 30 days they will seek to make a judgement on debt that does not belong to me. I understand that they are looking to offer me a settlement. However, I do not believe the validity of such debt accusation. Furthermore, I will not be limited to the action of court threats when I did not receive any notice of debt based on communication. The amount is {$880.00} from MBNA which was acquired by Bank of America in 2006. I do not claim debt.

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 2018-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I recently submitted a claim for damage to rental vehicle through XXXX. On the way to return the vehicle, the vehicle was struck by another driver. Which cause substancial damage that increase the over total. I explained to the XXXX that there was a claim available and I do have representation. However, they have used tactics to damage my character for employment through partner companies. This ultimately damaged my ability to work and find closure. Nevertheless, XXXX knows about my mention of claim. I also stated to them that I will provide information for such filing. Secondly, XXXX says that I owe {$1000.00}. Finally, XXXX has not given me a fair shake after putiting me on the conversion list.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one is reporting a 30 day late on each of my credit cards. Contacted Capital one and was told payments were made on time and these were inaccurate. And they filed a dispute and said they would be removed. That has not happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
My husband and I sold our home on XX/XX/XXXX we called the mortgage company XX/XX/XXXX regarding the update on our escrow account, the agent we speak to over the phone advice us that a refund will be send out and we will receive it by the end of XXXX. On XX/XX/XXXX we called again because we're wondering what happened to our escrow refund, again the agent told us it will be send out XX/XX/XXXX. It is now XX/XX/XXXX and we haven't receive a refund from our escrow account. We also concerned that we over paid the interest for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ID Analytics, Inc.
State: MN

Complaint narrative:
I called XXXX and asked how they came up with my score when my insurance card told me we got information from XXXX. I called XXXX and he said we will send you and still now they are not giving me my credit report. I asked and faxed to them 3 times and no one responded till now and i got the fax confirmation letter.

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 2018-01-28 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: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 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: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
We filed multiple disputes regarding XXXX XXXX XXXX XXXX, our original lender and M & T Bank, the bank that acquired both XXXX and our loan on XX/XX/XXXX M & T 's XX/XX/XXXX letter was non-responsive. They have no addressed concerns or fixed the mortgage errors I sent M & T a letter directly disputing their XX/XX/XXXX Letter

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 2018-01-28 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: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Rocket Mortgage pulled my credit more than one time resulting in two hard hits to my credit report. I would like them removed as so when I apply for a mortgage I will be approved. It seems like they pulled twice when I told them I had a XXXX already and I have a better score now, but they did not understand that they did not pre approve me but still tried to pull my credit score to " see '' if they could do anything, I said no, I know what my credit score is and I have to find a lender to give me a pre-approval letter for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My husband and I were in the process of buying our first home. Someone posed as our escrow officer of XXXX XXXX XXXX and emailed me wiring instructions which I took to XXXX XXXX XXXX XXXX. {$20.00}, XXXX was wired to a fraudulent account at Wells Fargo Bank. On XX/XX/2017 I found out that my money never made it to the actual XXXX XXXX XXXX. On XX/XX/2017 I was told that my money was still at Wells Fargo in the account I wired to, however, Wells Fargo had frozen the account and will not release the founds at this point with out the owner of the account 's approval which the whole process was a fraud. It is a fraudulent account. XXXX XXXX XXXX XXXX has done two recalls of funds, however, wells Fargo refuses to return the money knowing that everything was a fraud.

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 2018-01-28 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: FACTUAL DATA CORP.
State: NY

Complaint narrative:
XXXX XXXX pulled my credit more than one time resulting in two hard hits to my credit report. I would like them removed as so when I apply for a mortgage I will be approved. It seems like they pulled twice when I told them I had a XXXX already and I have a better score now, but they did not understand that they did not pre approve me but still tried to pull my credit score to " see '' if they could do anything, I said no, I know what my credit score is and I have to find a lender to give me a pre-approval letter for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 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: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Rocket Mortgage pulled my credit more than one time resulting in two hard hits to my credit report. I would like them removed as so when I apply for a mortgage I will be approved. It seems like they pulled twice when I told them I had a XXXX  already and I have a better score now, but they did not understand that they did not pre approve me but still tried to pull my credit score to " see '' if they could do anything, I said no, I know what my credit score is and I have to find a lender to give me a pre-approval letter for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 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 received a vehicle loan from XXXX XXXX XXXX XXXX with term of 72 months and scheduled payment of {$470.00}. As of XX/XX/2017 my account has been paid in full, however Equifax as well as XXXX XXXX XXXX XXXX Account Status shows OPEN with a balance of {$18000.00} and last update to this account XXXX XXXX. Ive called XXXX XXXX XXXX XXXX several times regrading this issues and submitted a dispute through Equifax as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I opened a CareCredit Card from XXXX XXXX back in XX/XX/XXXX. I made a charge of {$3600.00} on the card for my XXXX XXXX in XX/XX/XXXX. When I got my first bill it showed that I was charged {$3700.00} and I didn't think much about it because when I opened the card my doctor told me how there was going to be a fee for using the card. So after that, I made automatic payment to the credit card company every month. Until at the beginning of this year on XX/XX/XXXX I looked at the bill and it stated that I still owe over {$2100.00}. So I looked over all the bills and it showed that I was being charged a Card Security Fee that I have never sign-up for, that XXXX XXXX added to my account without agreement or my knowledge of it. 
On XX/XX/XXXX, I called XXXX XXXX about the Card Security that they have added to my account without my knowledge and how I wanted a refund on all the fees and interest that they have charged me without my knowledge, which at the time I thought it was {$640.00}. But when I did the math again today they have actually charged me over {$690.00}. When I called Synchrony they told me that the amount is too high and I have to call Card Security to as for the refund, and I told them that I called Card Security before them and it didn't go through because they ask for an account number which I don't have because I never opened an account with them. So the lady at XXXX XXXX decided to transfer me to Card Security. 
When I got through to Card Security and the guy about my problem he told that he can't find my account and that if I want my money bank I should call the bank and he can start a file for me so they can " check out my problem '' for me and they will get back to me. I told the guy ok, and afterward, I called the Synchrony again. 
When I got through to Synchrony again and told the lady about my problem, the lady tried to redirect me again back to Card Security, and that is when I got really frustrated told the lady that it is illegal for them to add a random service fee to my account without my acknowledgment. After that, the lady said she made a note to my account about my complaint and then hung up on me. Now two weeks after the call I have been charged interest for the Card Security fee again. 
I am not the only one who has gone through this because I have found online forums where people discussed how they have had the same thing happen to them without their knowledge.

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 2018-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST
State: CA

Complaint narrative:
My mother XXXX in XX/XX/1995 and she had supposedly left me some money in an account but my family will not tell me where it is and I think they are with drawing money from it. how could I find out if this is true. The last bank I remember my mother having an account at is XXXX XXXX or Bank of The West, I did go into XXXX XXXX when it was open on XXXX XXXX XXXX In XXXX Ca but they gave me a no answer but she looked untrue answer, can you help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: DISCOVER BANK
State: OH

Complaint narrative:
I applied for a student loan with Discover Student Loans on the XX/XX/XXXX with the intention of going to XXXX XXXX University. Discover Student Loans did not mention in it's advertisement nor disclosures that contingent upon loan approval that a cosigner is required. When I called to speak with Discover Student Loans I was told that the reason that I needed a cosigner was not based upon my excellent credit history however an agreement they had with the university as XXXX XXXX University has/had a high dropout rate. I was not given this information prior to applying for the loan, the information I was given was unfair, deceptive, and fraudulent. It altered my individual perception as someone applying as if I would have known this information upfront in public data on their website or in the material pertaining to discolors and agreements I would not have applied for the loan. This is resulted in a hard credit inquiry on my credit report because of the company 's blatant negligence in giving consumers adequate information pertaining to student loan applications. I did see on the website that a cosigner may improve chances for approval of the loan, but nowhere did it mention that I would need a cosigner based on the university/college drop out rate. I called again to try to get more information about student loans in the later part of XX/XX/XXXX with the intention of getting information on the loan I originally have applied for as well as information regarding the process of applying for a new loan. The representative was not willing to provide more insight regarding the cosigner issue nor issue me the original document I had online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I contacted Coinbase on XX/XX/XXXX for help approving a transfer of bitcoins from my vault to my wallet, with the intention of selling my bitcoins ( initially it was XXXX, but now I wish to move all XXXX btc. I could not approve the transaction through my backup email address, which can not be updated on the site, so I contacted support. I was told my problem would be handled shortly. I have sent multiple follow-up responses hoping to get my problem addressed, or at least an update on when I can expect it to be addressed. My follow-up emails have all been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 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: PA

Complaint narrative:
Identity theft some one stole my identity to open two fraudulent XXXX XXXX XXXX credits cards XXXX XXXX XXXX XX/XX/XXXX Amount {$520.00} XXXX XXXX XXXX XX/XX/XXXX Amount {$720.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-28 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:
Identity theft some one stole my identity to open two fraudulent XXXX XXXX XXXX credits cards XXXX XXXX XXXX XX/XX/XXXX Amount {$520.00} XXXX XXXX XXXX XX/XX/XXXX Amount {$720.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 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:
Identity theft some one stole my identity to open two fraudulent XXXX XXXX XXXX  credits cards XXXX XXXX XXXX XX/XX/XXXX Amount {$520.00} XXXX XXXX XXXX XX/XX/XXXX Amount {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 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: FL

Complaint narrative:
i have been disputing an alleged account from XXXX  XXXX .it was in litigation in XXXX XXXX florida .the judge said i won the case the attorney for XXXX XXXX is XXXX XXXX he is still reporting this i can not talk to XXXX   XXXX because it directly sends me to this attorney they are reporting it every month in a unethical manner to drive my score down. which i believe violates the f.d.c.p.a. an the f.c.c.p.a.and all three credit agencies refuse to take it off my report, Evan sending them documents to prove i wasnt lying ... the numerous disputes has gotten me no wear but time added on to this account.XXXX XXXX owes me XXXX dollars.that his law firm has refused to pay.the law offices of XXXX XXXX XXXX out of XXXX  florida. i just want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2013 {$0.00} paid out. It close account it still on my credit report

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