vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wellsfargo has committed fraud already once against me by opening a checking and savings in my name, I tried to give this company a chance opening an account, just last year I opened a credit in my name XXXX dollar credit limit, well Wellsfargo was giving more problems with the checking I had it closed well I also disputed a charge and was sent a final decision on the the amount disputed it was permanent, wells Fargo seem to get mad because I closed the checking, they have committed fraud again, I talk to a loan officer and explained what they did, Wellsfargo charged my credit card for the amount I had disputed on my checking account and that was very illegal, the loan officer had told me they are not allowed to my charge credit for anything that has anything to do with my checking account my credit limit was XXXX im only allowed to spend XXXX they have did the samething to me I closed my credit card account do to the fact of fraud they have committed against me, they need to resolve before I get legal representation to sue wells Fargo I want this off my credit and I want compensation for the fraud they done by charging my credit for knowing that your not supposed to do that I want contact from the mediation dept to resresolve this matter, I do know Now a consumer can sue a bank now they need to resolve this before I file a suite against 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 explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: NC

Complaint narrative:
XX/XX/XXXX I applied for an installment loan I am a resident of North Carolina and the payday loan is in South Carolina. The interest is over 400 % as I found out was illegal in North Carolina. 

XXXX XXXX XXXX is continuing to try to draft out a payment for my XX/XX/XXXX of {$320.00} daily. I have been charged over {$100.00} in nsf fees. I have been in contact with them explained that I am currently not employeed and have a XXXX XXXX so am unable to get employment at this time. Their response was oh well we are going to continue to try to draft it out until it will go through. I would like this resolved immediately due to my checking account continues to be in the negative due to them and my financial institution is stating I must contact them to stop the ach withdrawals. They are not willing to assist me in anyway as well as the interest is 400 % illegal in the state of North Carolina

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 2018-02-16 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: GA

Complaint narrative:
Previously disputed a Chapter XXXX bankruptcy reporting on credit report. Asked for proof of accuracy of reporting and indicated that 7 years from discharge has passed and bankruptcy should be deleted. Credit bureau responded that investigated and found information to be accurate. However, credit bureau has not and continue to omit any requested documentation proving verification. I have contacted Bankruptcy court and XXXX XXXX and have been advised by the court that they do not provide verification and representative from XXXX XXXX has indicated that they have not record of investigation by credit bureau and they have not verified any information to third parties. Therefore I conclude that credit bureau falsified response when stated that they verified information on my credit report and it is accurate.

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 2018-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, four fraudulent {$25.00} charges were made to my bank account towards coinbase via debit card for a total of {$100.00}. I have reached out to coinbase and have yet to receive a response. I have also contacted my bank by email and am waiting to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: FL

Complaint narrative:
I requested a report from XXXX and they do not remove any of the fraudulent items that were fraudulent after calling in 9 times they told me not to call back anymore and because they can't do anything but the fraudulent items are still ruining my credit

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 2018-02-16 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: TN

Complaint narrative:
I sent a certified letter dispute several times for the last 3 months but the unauthorized inquiries still remain. From XX/XX/XXXX to 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 2018-02-16 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 Sent a ceritfied letter with return receipt several times for the last 3 months, but the unauthorized inquiry still remain and 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 2018-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My account was opened in XX/XX/XXXX with over {$100000.00}. After a year I decided to move this money to another account. I was not told that if I wanted to keep this account I would have to pay a {$25.00} fee monthly. I was told that as long as I had any accounts with the bank, such as checking, credit cards, etc. amounting {$10000.00} I would not be charged a fee. I do have this. 

In XX/XX/XXXX I noticed that I was being charged {$25.00} fee. I called ( XX/XX/XXXX ) and was told my XXXX XXXX that it was a mistake and a check would be sent to me within 5-7 days. I closed the account. That did not happen, called again XX/XX/XXXX, told the same, but still no refund. Called approximately three weeks later, told I would not be getting any refund, not would they make the account information available to me, even after I told them I needed it for Income Tax purposes. I request the {$25.00} as promised.

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 2018-02-16 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: NY

Complaint narrative:
I am contacting you because I recently was informed that there are credit inquiries on my credit report that do not belong to me and that are fraud.I contacted your company by phone but I guess it hasn't been removed because you need a copy of my police report. I am a victim of identity theft so please remove these inquires from my credit report as they are fraud. XXXX 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 2018-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
I dont know exactly what date but I dont know why they are contacting me when I have my Social Security number which is an account number and they still try to collect from the Individual

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted Ally Financial about a late payment that was applied to my credit report as a negative mark .Someone said they will check into it .In XX/XX/XXXX there was a tropical storm by the name of Harvey that past through XXXX Texas and destroyed XXXX and surrounding areas, I was a victim of the storm so I contacted Ally to get my payments deferred. They agreed to defer XX/XX/XXXX and XX/XX/XXXX which was a great help for me. I called back on XX/XX/XXXX for more deferment, I was told no problem XXXX XXXX we'll take of it. XX/XX/XXXX came around I got a call saying my payment was is late, thinking they're referring to XX/XX/XXXX 's payment which is due XX/XX/XXXX. they were referring to XX/XX/XXXX payment, I was under the impression that my payments were deferred for XX/XX/XXXX, at that time I was told that XX/XX/XXXX wasn't deferred which made XX/XX/XXXX payment late.

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 2018-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My business was a victim of end keeper fraud. The branch admitted it was fraud but the corporate Chase credit card processing branch still gave the funds back to the buyer. The fraudulent buyer who made a claim produced no tangible proof to chase or us except a one paragraph statement. The back never gave me a chance to prove we followed sale code as per the California state BAR. The buyer moved out of state after sale and made a fraudulent claim. XXXX never gave us a chance to view his complaint about merchandise or personally see if his claim was valid. The bank reversed the charges of {$6000.00} parts and labor and allowed the client to keep {$4000.00} of our merchandise. Chase bank and the credit card processing branch are the same company called Chase/XXXX. Chase lied and told us the clients bank made a case against me but turns out we both bank with chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
Its never been on there before. A collection from 2015 was just listed on my credit report that was paid and is found under collections. I called Doctors Business Bureau form XXXX Florida which is the offending party, to have it removed. It was paid but they are reporting it in collections but paid. 

I spoke with XXXX at the company. WOuld not give me any proof that they will remove it. They have to remove it. It is incorrect, and the status is NOT in collections. It is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I obtained a account about a year ago ... ... ..I have paid over {$1500.00} on a {$2600.00} account .... They still say that I owe XXXX XXXX and XXXX XXXX, {$5200.00}!!! I am XXXX years old and did not understand that this usury interest rate is over 500 % The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Since XX/XX/XXXX I've been receiving harassing phone calls all throughout the day from Navient regarding loan payments for 2 of my private loans from XX/XX/XXXX I'm currently in XXXX school and notified them of this. They stated I was under Forbearance, but it was running out. But if I paid XXXX dollars over the phone it would bring my account current and I would continue to be in Forbearance till  XX/XX/XXXX. Well They have continued nonstop calling with harassing phone calls since XXXX and asking me to pay another XXXX dollars to for the Forbearance program. Well I contact Navient on several occasions trying to see what program I could get to help me with the 2 private school loans who we're initially through XXXX XXXX, and was told that once I finished school I could have the 2 two loans combined as one, but that never happened. I opt out to borrow XXXX dollars and was told that it had to be taken out in 2 different loans. The loans have blown up to XXXX dollars per Navient. They said I have run out of Forbearance and I asked if I could get help, because i'm not able to make the allotted loan payments. They also charged my account with late fee 's and reported my account to the credit bureau and I filed an complaint and they had to remove the derogatory late payments off my credit. They have since reported that I'm 2 payments late on the loans, even though they told me I'm still under a Forbearance till XX/XX/XXXX. I never received a email or call about the 1st recent missed payment, bit all of a sudden the account is 2 months late. My interest rate is 11 % and XX/XX/XXXX I contacted Navient and asked what other programs am I qualified for since I'm still in school and can not afford the XXXX payment at this time. I was offered a program to decrease the interest rate on the loans and lower the payments from XXXX to XXXX. But was told that the offer was only good for 12 months on the 1 loan and 6 months on the other. And after the time frame, my loans would resume the original amount plus the interest unless I could qualify again. I need help with this issue and finding a resolution before my loans go into default which I don't want that, I want to pay for the student loans. Even though the loans we're taken out under predatory lending practices from XXXX XXXX for XXXX XXXX XXXX which was not a accredited program and was lied to about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: NY

Complaint narrative:
I am contacting your company because there is a fraudulent school account on my credit report which I keep contacting your company to have removed as it is fraud and does not belong to me as I am a victim of identity theft. My ex husband was deported for using my indentity as well as my sons. So please remove these items as they are fraud. The first item is a credit inquiries from XXXX  XXXX XXXX   XX/XX/XXXX which is fraud and I would like removed at once and the second item is XXXX XXXX known as XXXX XXXX XX/XX/XXXX for the amount of {$1400.00} showing up as a degetory item on my report but this is fraud because this item does not belong to me and I have continued to complain about it please remove this because it is fraudulent and was not opened by me as I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: MD

Complaint narrative:
Since my identity was stolen in XX/XX/XXXX, I have checked my credit often to stay on top of fraudulent activity. I kept noticing that I have repeated negative reporting from the same company ( XXXX XXXX ). Due to their illegal collection practices they removed one of the accounts from my credit report and ceased collecting on that account - but the other one, they are keeping there but have made no attempt to collect ( since I welcome the opportunity to dispute this in court ). They are doing this out of spit - since they were unable to collect on the other debt they bought. The last few disputes I have had -Equifax , has only accepted the minimal agreement from this predatory collection company that the debt is valid and refused to investigate further. Stating that that's all they have to do - ask the collection company and if they say the debt is valid, that's what they accept - regardless of the information I provided to the contrary. The account is listed by the original creditor as a charge off and as a collection with this company - causing two derogatory ( negative ) hits on my credit report. The last time I disputed this with Equifax was XX/XX/XXXX. I am doing it again because I am trying to clean up my credit to buy a home and this has to be resolved. A collection company should not have the ability to remain on your credit for 7 years without attempting to collect on the debt - the statute of limitations for collection on a debt in my State is 3 years. If they are not going to collect on this debt then it should not be on my credit to sit for an additional 4 years, along with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
The company should be able to claim a loss and do a wright off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
Reached out to company regarding a loan forgiveness program. Provided all requested documents. Company is stating that I need to provide documents in analtered format to qualify for the program. Already provided lawful documents according to application and have fax confirmation of transaction. Company is attempting to bypass paperwork and make me responsible for remaining student loan of XXXX, instead of forgiving loan according to the law. Additional fax confirmation sent on XX/XX/XXXX to XXXX XXXX of Missouri Attorney General Office to speak on consumers behalf - XXXX Nelnet.SSDI recipient and forwarded to Department of Justice Disability Rights Section/Intake Unit. Letter Dated XX/XX/XXXX Advises to reach out to DOJ ADA Information Line for any additionalconcerns, per XXXX XXXX, Director of Intake Unit, DIsability RIghts Secition - XXXX. Company is allowing a disparate impact to take place among disabled individuals due to their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: MD

Complaint narrative:
Since my identity was stolen in XX/XX/XXXX, I have checked my credit often to stay on top of fraudulent activity. I kept noticing that I have repeated negative reporting from the same company ( XXXX XXXX ). Due to their illegal collection practices they removed one of the accounts from my credit report and ceased collecting on that account - but the other one, they are keeping there but have made no attempt to collect ( since I welcome the opportunity to dispute this in court ). They are doing this out of spit - since they were unable to collect on the other debt they bought. The last few disputes I have had -XXXX , has only accepted the minimal agreement from this predatory collection company that the debt is valid and refused to investigate further. Stating that that's all they have to do - ask the collection company and if they say the debt is valid, that's what they accept - regardless of the information I provided to the contrary. The account is listed by the original creditor as a charge off and as a collection with this company - causing two derogatory ( negative ) hits on my credit report. The last time I disputed this with XXXX  was XX/XX/XXXX. I am doing it again because I am trying to clean up my credit to buy a home and this has to be resolved. A collection company should not have the ability to remain on your credit for 7 years without attempting to collect on the debt - the statute of limitations for collection on a debt in my State is 3 years. If they are not going to collect on this debt then it should not be on my credit to sit for an additional 4 years, along with the original creditor.

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