vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
Snce XXXX I won the lottery while XXXX in XXXX. When I came home the bank staements indicated that USAA bank placed the money on hold because they claimed it might be terroist funds and its was XXXX XXXX and another lottery called XXXX, it was done online and they assured me as soon as the funds were cleared I would receive it. The statements and other proof were submitted to them by XXXX and I got a call from the President of XXXX XXXX of which indicated the funds were cleared and ready to transfer back to my person ; till now Im unable to get that money even after XXXX from President XXXX office called and confirmed everything. This is theft and delay. PLEASE HELP. XXXX XXXX XXXX # XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX WASHINGTON DC XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I DID NOT AUTHORIZE AN EXTENDED FRAUD ALERT TO BE ON ALL 3 OF MY REPORTS FOR OVER 7 YEARS I NEVER WANTED A FRAUD ALERT PLACED AT ALL DUE TO THE NEGATIVE CONNOTATIONS IT BRINGS I FROZE MY REPORTS TO STOP ANY ADDITIONAL FRAUD I WAS VICTIM TO PREVIOUSLY. THE BUREAUS TOOK IT UPON THEMSELVES TO ADD THE EXTENDED 7 YR ALERT AND IVE REQUESTED 3 TIMES TO HAVE IT REMOVED AND HAVE BEEN IGNORED I WANT THE ALERT REMOVED NOW FROM ALL THREE BUREAUS

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 2018-08-06 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to remove these items off my credit report so I can move on with my life. 

Bankruptcy ch XXXXdismissed Ref XXXX ( Experian, XXXX ), Bankruptcy ch XXXXdismissed Ref XXXX ( Experian, XXXX ), Bankruptcy ch XXXX-dismissed Ref XXXX ( Experian ), Bankruptcy ch XXXX-dismissed Ref XXXX ( Experian, XXXX ), Bankruptcy ch? -dismissed Ref XXXX ( Experian , XXXX ), Bankruptcy ch XXXX- dismRef XXXX ( Experian, XXXX ) , Bankruptcy ch XXXX-dism Ref XXXX ( Experian, XXXX ) , Bankruptcy ch XXXXdismissed Ref XXXX ( Experian, XXXX ) , Bankruptcy ch XXXX-dism Ref XXXX ( Experian, XXXX, , XXXX ) , XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX ( experian, XXXX, , XXXX   ) , XXXX XXXX Acct XXXX ( XXXX, , Experian, XXXX   ) , XXXX XXXX ( Experian, XXXX, , XXXX ), XXXX XXXX XXXX ( Ex. XXXX, XXXX ), XXXX/XXXX. 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 2018-08-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Extra principal payments did not go to principle. I was told that i qualified for the XXXX   loan forgiveness program and since they mishandled my payments have not had to make a payment since XX/XX/2015. I have submitted several applications and called many time and they kept requesting more verification and told me every time that i qualified for the forgiveness on the phone but needed more verification letters that were not listed on the application. this last time after three years i was told that I no longer qualified. if their was a problem with my status it should have been disclosed to me on the first application. instead they strung me along for an extra three years of interest. the intent of the extra payments original were to pay down the balance. i let it go because they said the balance of my loan was going to be forgiven. I have worked over 10 years as a XXXX XXXX XXXX. They are deceptive and the whole program sounds like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I DID NOT AUTHORIZE AN EXTENDED FRAUD ALERT TO BE ON ALL 3 OF MY REPORTS FOR OVER 7 YEARS I NEVER WANTED A FRAUD ALERT PLACED AT ALL DUE TO THE NEGATIVE CONNOTATIONS IT BRINGS I FROZE MY REPORTS TO STOP ANY ADDITIONAL FRAUD I WAS VICTIM TO PREVIOUSLY. THE BUREAUS TOOK IT UPON THEMSELVES TO ADD THE EXTENDED 7 YR ALERT AND IVE REQUESTED 3 TIMES TO HAVE IT REMOVED AND HAVE BEEN IGNORED I WANT THE ALERT REMOVED NOW FROM ALL THREE BUREAUS

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 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I DID NOT AUTHORIZE AN EXTENDED FRAUD ALERT TO BE ON ALL 3 OF MY REPORTS FOR OVER 7 YEARS I NEVER WANTED A FRAUD ALERT PLACED AT ALL DUE TO THE NEGATIVE CONNOTATIONS IT BRINGS I FROZE MY REPORTS TO STOP ANY ADDITIONAL FRAUD I WAS VICTIM TO PREVIOUSLY. THE BUREAUS TOOK IT UPON THEMSELVES TO ADD THE EXTENDED 7 YR ALERT AND IVE REQUESTED 3 TIMES TO HAVE IT REMOVED AND HAVE BEEN IGNORED I WANT THE ALERT REMOVED NOW FROM ALL THREE BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to remove these items off my credit report so I can move on with my life. 

Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, Transunion ), Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, Transunion ), Bankruptcy ch XXXX-dismissed Ref XXXX ( XXXX ), Bankruptcy ch XXXX-dismissed Ref XXXX ( XXXX, Transunion ), Bankruptcy ch? -dismissed Ref XXXX ( XXXX  , transunion ), Bankruptcy ch XXXX- dismRef XXXX ( XXXX, XXXX ) , Bankruptcy ch XXXX-dism Ref XXXX ( XXXX, XXXX   ) , Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, transunion ) , Bankruptcy ch 7-dism Ref XXXX ( XXXX, XXXX, , Transunion ) , XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX ( XXXX, XXXX, , Transunion ) , XXXX XXXX Acct XXXX ( XXXX, , XXXX, transunion ) , XXXX XXXX ( XXXX, XXXX, , Tranunion ), XXXX XXXX XXXX ( XXXX. XXXX, TU ), XXXX. 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 2018-08-07 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to remove these items off my credit report so I can move on with my life. 

Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, XXXX ), Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, XXXX ), Bankruptcy ch XXXX-dismissed Ref XXXX ( XXXX ), Bankruptcy ch XXXX-dismissed Ref XXXX ( XXXX, XXXX ), Bankruptcy ch? -dismissed Ref XXXX ( XXXX , XXXX ), Bankruptcy ch XXXX- dismRef XXXX ( XXXX, Equifax ) , Bankruptcy ch XXXX-dism Ref XXXX ( XXXX, Equifax ) , Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, XXXX ) , Bankruptcy ch XXXX-dism Ref XXXX ( XXXX, Equifax, , XXXX ) , XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ( XXXX, Equifax, , XXXX   ) , XXXX XXXX Acct XXXX ( equifax, , XXXX, XXXX   ) , XXXXXXXX XXXX ( XXXX, Equifax, , XXXX ), XXXX XXXX XXXX ( XXXX. Eq, XXXX ), XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lyons, Doughty & Veldhuis, PC
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX./XXXX CREDIT CARD XXXX BALANCE {$1400.00} this was disputed with creditor as Fraud months ago and as a result the account was removed from all my credit reporting agencies as a fraud account and was advised to cease and desist all collections. And now Lyons, Doughty & veldhuis is attempting to collect and sending me collection notice on a previous disputed Fraud account opened thru XXXXXXXX XXXX. This is in violation of my Consumer Protection for FDCPA and Advise this Collection Agency to Cease & Desist all Collections on this Fraud Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, On Monday XX/XX/18, I was told my new credit card account was closed. This was after discovering it went under periodic review XX/XX/18. 

I suspect this is because I wanted to pay my mortgage AT THE CHASE BANK and instead of charging the card a representative attempted to do a cash advance of over {$4000.00}. 

This was not my fault and I feel cheated that I lost my card over a rep messed up. 

Please help me get this card re-instated. Im picky about my credit and this was not a simple decision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
REMOVE THE FRAUD ALERT I NEVER ASKED FOR NOR AUTHORIZED TO HAVE ADDED TO MY CREDIT FILES I HAVE BEEN REPEATEDLY IGNORED WHEN IVE ASKED THE BUREAUS TO REMOVE THE FRAUD ALERT ITS AN EXTENDED ONE FOR A MINIMUM OF 7 YEARS I NEVER EVER AGREED TO THAT I NEVER WANTED A FRAUD ALERT PLACED ON MY FILE I ALSO WAS NOT EVEN NOTIFIED BY LETTER I ONLY SAW IT WHEN I GOT MY ANNUAL REPORT THAT WAS THE FIRST I HAD EVEN KNOWN ABOUT THIS RIDICULOUS ALERT THAT WAS 2 MONTHS AGO IVE ASKED AND SUBMITTED THE PDF TO ALL 3 BUREAUS TO REMOVE AND HAVE BEEN IGNORED IN MY REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
REMOVE THE FRAUD ALERT I NEVER ASKED FOR NOR AUTHORIZED TO HAVE ADDED TO MY CREDIT FILES I HAVE BEEN REPEATEDLY IGNORED WHEN IVE ASKED THE BUREAUS TO REMOVE THE FRAUD ALERT ITS AN EXTENDED ONE FOR A MINIMUM OF 7 YEARS I NEVER EVER AGREED TO THAT I NEVER WANTED A FRAUD ALERT PLACED ON MY FILE I ALSO WAS NOT EVEN NOTIFIED BY LETTER I ONLY SAW IT WHEN I GOT MY ANNUAL REPORT THAT WAS THE FIRST I HAD EVEN KNOWN ABOUT THIS RIDICULOUS ALERT THAT WAS 2 MONTHS AGO IVE ASKED AND SUBMITTED THE PDF TO ALL 3 BUREAUS TO REMOVE AND HAVE BEEN IGNORED IN MY REQUEST

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 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: UT

Complaint narrative:
{$130.00} debt has been charged against me. I do not owe this

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: LEXISNEXIS
State: NC

Complaint narrative:
I Want LexisNexis renders proof of my signature on a document, stating I gave them permission to sell my Bankruptcy information on to XXXX XXXX and XXXX XXXX Credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: DISCOVER BANK
State: OH

Complaint narrative:
I co-applied for a {$5000.00} student loan based on the marketing solicitation I received stating adjustable rates starting at 3.99 % and fixed rates starting at 5.99 %. I was offered an adjustable rate at 6.39 % and a fixed rate at 7.74 %. When I asked how rate is determined there was no logical answer. Anytime I have applied for home, equity or auto loans I have received the best rates because of my high credit score.

Discover is unable to tell me how the rate is determined. Don't know how they can advertise a rate and not state what is required to get that rate. In mortgage, equity and auto lending a rate can be explained do to the score a borrower has. To me this is bate and switch. If I don't qualify for the best rate then tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: MO

Complaint narrative:
I have multiple items on my credit report that have not been validated or verified properly as my debt. I have since contacted the credit bureau various times starting from XX/XX/2018 to verify and correct the items on my report. Since then I have received letters saying that the debts have been verified without providing any proof of these debts. With this complaint I have uploaded and included the credit bureaus response as proof that they did not follow the law and provide ANY verifiable proof showing who and how these debts were verified. Nor were ANY signed documents provided which the credit bureau must have on file and be ready to furnish to be able to legally report items on a credit report.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract of all accounts posted on my credit report. Given the fact that anyone paying for reporting services could fax, mail or email in a fraudulent account. I have requested to physically see Verifiable Proof ( an original Consumer Contract with my Signature on it ). Which my request has since been ignored by a company that is supposed to uphold the law. The credit bureau has instead decided to not verify these accounts, only to send a dispute status without verifiable proof of their investigation which by law I am allowed. Which the document I included shows as proof the law was NOT followed nor any verifiable proof was provided. Given the credit bureau did not follow the law Section 609 ( a ) ( 1 ) ( A ) and the rules of the FCRA nor provide physical proof any debts. I am requesting the items below be deleted and then corrected on my credit report before certain litigation in court is proceeded.

Creditor 1 - 09 XXXX  XXXX Unverified Account, Creditor 2- XXXX XXXX XXXX XXXX , Unverified Account, Creditor 3 - XXXX XXXX XXXX XXXX Unverified Account, Creditor 4 - XXXX & XXXX XXXX Unverified Account, Creditor 5 - XXXX XXXX XXXX XXXX Unverified Account, Creditor 06 - XXXX XXXX Unverified Account, Creditor 7 - XXXX Unverified Account, Creditor 8 - XXXX XXXX Unverified Account, Creditor 9 - XXXX XXXX XXXX Unverified 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 2018-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Systematic National Collection, Inc.
State: CA

Complaint narrative:
This agency took actions without presenting accurate documentation to consumer. Additionally, they did not inform consumer of the charges despite the correct information provided to creditors. Additionally, the agency refused to provide consumer with CFPB when compliant was issued. They only provided the information after consumer paid the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On Thursday, XX/XX/XXXX, my husband and I were out on a date night around XXXX XXXX  where I pulled up my account and saw I had about 60 dollars in there. Then at XXXXnight, my direct deposit from work came through. The next morning I woke up to find two seperate overdraft fees for two withdrawals that had apparently come through between XXXX and XXXXnight. While I understand what an overdraft fee is and take responsibility for the fact that I had not realized a check I had written would be coming through, I find it completely unfair and sickening that these transactions would be posted at XXXX at night, just minutes before my pay check was deposited, and cause me to have XXXX dollars in overdraft fees. In addition, I find it completely suspicious that the transaction with the higher amount, which was a check for XXXX dollars, was posted first followed by a smaller transaction for only XXXX dollars that would not have caused an overdraft fee because I had 60 dollars in my account. If PNC would have refunds even just the one fee, I would have been okay with it. Instead they were rude and condescending and refused to budge on the fees, even after I broke down in tears telling them I couldnt afford to buy groceries this week now. We have been customers of PNC for 15+ years ... its just sickening that they are so okay with losing us as customers that they will let us go for XXXX dollars. The other thing that is completely upsetting is that last summer, we had around 20,000 dollars in our account, and we were getting frequent calls from PNC offering us all sorts of incentives and asking if there was anything they could do for us. Sad that while we are going through a difficult time financially, we get punished and ignored. I am cancelling my account but just felt compelled to file a complaint because Ive been sick to my stomach after speaking with customer service earlier today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Discharged debt {$490.00} was discharged in bankruptcy. Still in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: AFNI INC.
State: FL

Complaint narrative:
Collection Account for XXXX XXXX XXXX XXXX Afni Acct XXXX {$280.00} I have tried very hard to be reasonable and understanding of this issue. I disputed the validity of this debt after numerous calls stating I owed money. I explained that I was not aware of account and after 3 requests, you provided me with details stating it was a cell phone account with XXXX XXXX XXXX. I explained this was not established by me and even went as far as to provide you with a copy of a police report. 
Notwithstanding, the calls continued. Against the advice of my attorney, I denied your settlement offer and instead PAID THIS IN FULL. This is affecting my credit and my ability to purchase a new home. So being that I am in between a rock and a hard place, I chose to pay you to show that I want to work through this were we both come out better. The funds were paid via your website ( conf # XXXX ) via debit card. 
Now I simply ask that you remove this collection from my file. This was fraud. Under FCRA guidelines, it constitutes as a file for deletion. I was victimized -- you came out 100 % in this. The least you could do is remove this from my credit reports. Please communicate with me via mail at the address above

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC
State: TX

Complaint narrative:
My wife received a call from Ascension Point of XXXX XXXX, MN. My wife was told by a XXXX XXXX that they were attempting to collect a debit of my mother who has just passed. My wife took the contact information for Ms. XXXX ( phone : XXXX ext : XXXX ) and explained she would pass the information on to me. We live out of the state my mother lived in and her estate has not yet gone through probate, the route I believe the claim should be made.

Company response to consumer: Closed with explanation