vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-04 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: GA

Complaint narrative:
On XX/XX/XXXX or there about i contacted XXXX  XXXX  to have the electricity turned on, the XXXX  XXXX  rep informed me that she could not start an account without additional id and a trip to XXXX because i had placed a fraud alert on my equifax account..so immediately i contacted equifax via the website, there i could not be identified and was directed to call equifax. I called equifax, the computer that answered first could not verify my identity and referred me to the website, after a time i found out how to get an agent who promptly told me to call back in a few hours, equifax was having trouble with their computers. I tried again later with the same result. A week later on XXXX i called equifax again after being referred to the phone number after trying the website, here service was great and it looked as if some progress was being made, i let them know i wanted to lift a fraud alert, he changed the terminology to credit freeze, flag no 1 ... i have requested neither fraud alert or credit  freeze from equifax, until recently i havent given equifax permission to do anything for or to assist me, so the rep continues to attempt to verify my identity and the last question was about the date of the last activity on my accounts fraud alert/ credit freeze ... .how would i know? I didnt place either, my suspicion is that equifax did after the security breach. So how would i know the date of its last activity. And if equifaxs ' main priority is to protect that account it seems  incredulous to use recent account activity for identification purposes ... i mean really ... i can steal your id, start new account activity and your going to use that activity to identify the rightful owner of the account? So i ask to speak to a supervisor because the rep is asking me to mail in documents that i currently dont have.maybe i should have those documents but i dont and i havent requested anything from equifax and i doubt seriously that my id has been stolen, no one would want to be identified as me i promise.anyway the rep searches for a supervisor for several minutes only to return and say he cant find one ... so my 6th contact with equifax and im still no closer to resolving the issue than i was when i found out about it, and my electricity still isnt on. I dont know what value can be placed on that, or the fact this freeze is most likely why i havent been able to get credit in years, a freeze i did not request, but i intend to find out and seek to recover if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: AR

Complaint narrative:
I signed up for income-based repayment and have provided all the necessary information. I have been on a salary for 5 plus years and nothing has changed, yet they increase my payment every three months. Navient will not work with me and will not listen to when I  tell them just because I am a business owner, my K1 form for taxable income for a business profit IS NOT income that I actually receive I just have to pay the taxes on it. Then one loan with the co-signer ( XXXX XXXX ) filed bankruptcy and in her bankruptcy paperwork, it had navient in there as one of the loans that would be paid off through payments received from bankruptcy. Navient repeatedly incorrectly applied those payments to my other loan that she was not the cosigner on. The bankruptcy paperwork indicated that it would pay that loan off in full and it did not. I can not seem to make them understand that I have no change in income and that what the business makes DOES NOT change what I bring home monthly. I feel like going to college was the biggest mistake of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
Fay Servicing is my new mortgage company that took over from my last mortgage company. ( XXXX XXXX ) The mortgage payment was fixed at being XXXX per month for the life of the loan and the amount owed was XXXX which I paid biweekly. However the payment is close to XXXX in now paying XXXX dollars every two weeks and the whole amount owed is XXXX where did the extra XXXX come from. No clear answer for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
Insurance policies through XXXX XXXX XXXX XXXX that were paid via payroll deduction from a previous employer were cancelled in XX/XX/2019. The policies were : - AUTO : XXXX - HOME : XXXX - PELP : XXXX Final bills were mailed, and were paid via telephone ( at the accounting department phone number provided, XXXX ) on XXXX. Proof of payment in the form of a credit card statement is attached. Payment confirmation numbers were as follows : - AUTO : XXXX - HOME : XXXX - PELP : XXXX Despite payment, Final Notice paperwork was sent on XXXX, threatening to send to collections if the payment was not received. 

A phone call was placed to the accounting department at XXXX on XXXX. Representatives confirmed that the balance has been {$0.00} since the payment on XXXX. I insisted that I wanted proof of payment mailed to me, and case number XXXX was created. This case promised an update in four business days or sooner. Seven business days later, an email stating nothing more than " Thank you for contacting XXXX XXXX XXXX XXXX XXXX XXXX. We value your patience as we reviewed your case XXXX. Your case is now closed. '' was sent. No letters confirming the debt was paid have been received. 

On XXXX, two letters arrived from " CREDIT COLLECTION SERVICES '' stating that they are debt collectors and that I owe {$180.00} and {$65.00} to XXXX XXXX XXXX XXXX. 

As every call to the accounting department at XXXX has been met with an incompetent representative who confirms that the account is closed with a {$0.00} balance, and the escalation system has failed to provide me with an adequate resolution, I am filing a complaint here. The fact that debts were fraudulently sent to a collections agency is a serious action action on behalf of XXXX XXXX XXXX XXXX, and triggered escalation far beyond what I have been able to achieve via the accounting department. 

NOTE : the upload of files seems to be stuck at " Uploading ''. Contact me via email for the PDF files.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I bank with Bank of America and around XX/XX/2019 I saw 2 fraud XXXX transactions, {$2000.00} Each. When I called the bank to tell them it was a fraud transaction, they denied the claim and said you authorized it. However I did not. They said they sent a verification text to my phone number but however I haven't received that text. I just want my Money Back

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 2019-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo bank in XXXX tx .. date XX/XX/19 time XXXX : XXXX transaction # XXXX teller : : XXXX accepted a money order for XXXX $ $ from XXXX. food store that is 50 yards away.. the teller said that by 48hours for sure. The money would be available for spending by the account holder.. that never happened..then on XX/XX/19 .. the money order was cashed ... XXXX   XXXX  money order department.. vertify this in a phone conversation..they claim the money was being held for vertification ... .up to this day they have not done their job duty function of care to a client.

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 2019-12-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
My Capital One Menards Big Card # : XXXX is lost/stolen and has {$3500.00} of fraudulent transactions/charges on my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: MN

Complaint narrative:
My XXXX XXXX XXXX  XXXX credit card # : XXXX is lost/stolen and has over {$3500.00} of fraudulent charges and transactions on my account which is not my charges and are fraudulent charges/transactions.

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 2019-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
They refuse to close my account, asking for a notarized letter to be sent certified mail. This information was not requested to open the account. It is my opinion this is intentionally made difficult for customers forcing us to leave the account open.

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 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: MARINER FINANCE, LLC
State: GA

Complaint narrative:
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus. I have made SEVERAL calls and spoken to several representatives at the company who have ensured me that not only is my account in positive standing and never has been delinquent, it was not shown or indicated to " charged off '' or late EVER!

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 2019-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have an auto loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days 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 explanation
Consumer complaint received 2019-12-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an auto loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: CA

Complaint narrative:
I have an auto loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days 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 explanation
Consumer complaint received 2019-12-04 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: MN

Complaint narrative:
My XXXX XXXX XXXX  XXXX credit card # : XXXX is lost/stolen and has over {$3500.00} of fraudulent charges and transactions on my account which is not my charges and are fraudulent charges/transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: Navient Solutions, LLC.
State: AK

Complaint narrative:
This is the second time I have filed a complaint. XXXX  was contacted and I received ANOTHER reporrt # XXXX with so called " results ''. They give ZERO explanation as to HOW these disputes are verified. I have sent them on three different occassions ALL the bankruptcy paperwork showing that items have been DISCHARGED 2 years ago and that I am NO LONGER responsible for debt, including NAVIENT and NAVIENT is well aware because they have reported it as such on XXXX  and XXXX  and yet XXXX  CONTINUES to allow this to be reported as an OPEN AND ACTIVE ACCOUNT and THAT is NOT CORRECT. I WANT THIS FIXED! I AM SICK of asking, I am sick and tired of doing my part and sending all the paperwork and being IGNORED!!!! I have done EVERYTHING that you and the FAIR CREDIT REPORTING ACT have said to do and I get NO WHERE! I WANT THIS GONE NOW!!!! I am going to continue to fight this as long as it takes until SOMEONE does SOMETHING to make it RIGHT! PLEASE take this seriously and do not allow a company like XXXX  to get away with report FALSE information. IT IS UNFAIR!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-04 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have an auto loan from TOYOTA MOTOR CREDIT, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MOTOR CREDIT, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and TOYOTA MOTOR CREDIT with no successful resolution. XXXX, XXXX, and XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: M.A.R.S., Inc.
State: AR

Complaint narrative:
Mars collection company call me four times to collect on XXXX XXXX. XXXX I ask them to please take me to court.That I was not paying that amount four the apartment was not in good condition.Such as water coming out of the floors I complained 7 times in two months..The doors to the bath room was coming off the hinges and my wife was attacked by 10 people and there kids.. the manager asked me what would u like me to do.. they refuse to take any action. Or correct the problems..instead I moved out because my wife has XXXX XXXX and it was making her even worse ... then they charged me for moving out of apartment me could no longer live in because of condition and I was tired of complaining..and nothing was getting done

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation