vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
SOMEONE USED MY IDENTIFICATION TO OPEN A FRAUDULENT CREDIT CARD ACCOUNT IN MY NAME AT BANK OF AMERICA.

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 2018-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Medical bill debt that someone used my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NE

Complaint narrative:
On XX/XX/XXXX I found after several phone calls and investigative questions that a company by the name of LexisNexis reported false and derogatory information regarding an accident that I was involved with onXX/XX/XXXXin the fact that according to XXXX XXXX, their 3rd party reporting company " LexisNexis '' provided a report stating that the NE DMV records purportedly revealed that I was " At Fault '' pursuant to a Nebraska DMV record they pulled. Because of this information, my rates were provided at an increase for insurance product. In arguing the finding I was told that XXXX used this 3rd party reporting company and that there was nothing that could be done ... WHAT??? So I'm just supposed to sit back and eat that proverbial sandwich? Not hardly!

I immediately contacted the Nebraska DMV who provided ( at the cost of {$3.00} ) a report that clearly states " An entry for an accident which may appear below is for statistical purposes only and does not indicate a determination of fault '' and went on to describe the date and report number of this accident. Further, the Gentlemen at the Nebraska Department of Motor Vehicles stated that they do not provide any information of guilt or not for an accident, so they do not know where XXXX  or LexisNexis would have pulled this information.

I then personally drove to the XXXX  NE Police Department and obtained a copy of the police report from the accident which CLEARLY INDICATES that the other driver was AT FAULT AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, causing me bodily harm and totaling the vehicle in which I WAS DRIVING.

This blatant and outright defamatory information that this 3rd party company " LexisNexis '' is providing to XXXX knows who is absolutely uncalled for and erroneous in every fashion with respect to this matter, in addition it has cost me at this point over 3 hours of my time and personal expense to correct an issue that absolutely otherwise does not exist in any NE DMV or XXXX  Police Department or public office.

I find this to be a gross negligence of their actions and a dereliction of their responsibility to properly report the public findings on me, and if this information is incorrect, what else is, and who else have they done this to that may or may not realize it ; especially when at the end of the day their negligence causes a rate increase that is not warranted or called for and blemishes my otherwise impeccable driving record!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: NY

Complaint narrative:
Never was told about regional atm fees and want them all retuned already had some but want them all returned

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: WI

Complaint narrative:
I have been continuously been disputing a Bankruptcy that's on my Transunion that does not belong furthermore, I have contacted the Executive Office of XXXX XXXX because Transunion is rude and doesn't follow thru with my Investigation. I have disputed it and it doesn't belong and they still haven't removed it stating it was Verified. I asked for method of Verification and they have failed to provide me. If it was Verified from who? When? I doubt it was verified because it was already deleted off my Public Record from XXXX ( See Attached ). Further, effective XX/XX/2017 a Public Record has to includes my name, Date of Birth, and Full Social Security number thru XXXX in which it does not. I have already sent a Email to CEO and contacted my Lawyer who states Transunion is not in compliance and have violated plenty rights as a Consumer and this is my last step before I follow a Federal Lawsuit against Transunion and XXXX XXXX. Please remove Bankruptcy within 30 Days to avoid Legal Action

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 2018-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Williams & Fudge, Inc
State: NV

Complaint narrative:
I started school inXX/XX/XXXX at XXXX College. I was out of school from XX/XX/XXXX to XX/XX/XXXX. I never made a payment and I defaulted on my loan with XXXX XXXX XXXX. I was also out of school XX/XX/XXXX toXX/XX/XXXX. I was then in school fromXX/XX/XXXX toXX/XX/XXXX ... XXXX then made a false claim that I made three payments of $ 600+ in XX/XX/XXXXand closed my account. Impossible since I was still in school. ( XXXX XXXX XXXX campus ). Since then I consolidated my loans and according to CA law the SOL is 4 years from time of first default to sue, well in XX/XX/XXXX, I get a notice that XXXX sold my account to Williams and Fudge. 6 Years from the first default and now Williams and Fudge is suing me. XXXX is a total SCAM!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: TX

Complaint narrative:
I have contacted Equifax numerous of times stating that I would like for them to remove a fraud alert. Every time i call i have to go through the same thing which is being transferred from person to person even being transferred to supervisor and here it is XX/XX/XXXX and they have yet to remove it. They have gave me several different confirmation numbers stating that they removed it but it is still on there because Ive been denied credit twice because of their fraud alert that was supposed to be removed three months ago, which has caused me to get unnecessary hard inquiries on my report. And then it comes to inquiries i have sent the numerous letters stating that i was a victim of fraud and that they needed to remove all those fraudulent inquiries that is showing up on my report. I sent those same documents to XXXX  and XXXX and they had no problem fixing my issues. Ive sent all the proper documentation that they need but every time i speak to someone they insist on me sending them the documentation over and over, which is causing me to spend unnecessary money because i send all my letters certified. Also they are reporting inaccurate information on my credit including accounts that they can not verify which is a violation of the FCRA. The following Accounts is XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  and another unknown account. I DO NOT WANT THEM TO REINVESTIGATE THESE ACCOUNTS BECAUSE I HAVE ALREADY DISPUTED THESE ACCOUNTS AND THEY KEEP SAYING THEY ARE VERIFIED BUT HAVE NOT SHOWN ME ANY DOCUMENTATION THAT THEY HAVE TO PROVE THESE ACCOUNTS ARE MINE. THEIR CREDIT REPORT IS SO DIFFERENT FROM MY OTHER TWO BECAUSE THEY ARE REPORTING SO MUCH INACCURATE INFORMATION. I demand this be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: MO

Complaint narrative:
I have disputed the medical bill on the basis that I have contacted the original creditor, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) to confirm information reported on my credit file for Equifax, and the original creditor confirmed by way of phone contact that I never had such account with their office. As such, XXXX XXXX has never attempted to collect any debt, nor referred any account for collection to XXXX XXXX XXXX. 

I have contacted XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, MO XXXX ) by way of phone at a later date and was informed that an error had been made when I was previously advised that I never had such account with their office and that such account does exist, but the matter will be further researched. I requested a written notice containing : ( 1 ) the amount of the debt ; ( 2 ) the name and address of the creditor to whom the debt is owed ; ( 3 ) confirmation of their receipt of my dispute regarding the validity of the debt, or any portion thereof ( 4 ) verification of the debt or a copy of a judgment and a copy of such verification or judgment ; and ( 5 ) the name and address of the original creditor, if different from the current creditor. 

Despite my repeated requests, at this date, XX/XX/2018, the original creditor has not provided verification of the debt or responded to any of my verbal and written requests regarding the validity of the debt. In fact, I have advised the original creditor, XXXX XXXX ( affiliate of XXXX XXXX XXXX Hospital ) and the collection agency ( XXXX XXXX ) of the lien waiver document pertaining to XXXX XXXX XXXX Hospital, and the original creditor and collection agency will not acknowledge the lien waiver. Furthermore, Equifax has acknowledged that my credit report does not provide the address of the original creditor, and not providing the original creditor 's address has caused undue hardship in that I have made futile attempts to contact the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
For the month of XX/XX/2017 I was given a late by 30 days from XXXX XXXX. There website was faulty and would not allow me to login to their portal to make payment before the due date. I would like this late deleted. There website was faulty and would not allow me to login to their portal to make payment before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Complaint about XXXX XXXX This bank issues credit cards to XXXX XXXX XXXX   stores customers and handles the credit card purchases. I was late couple of time, one time 2 hours and another time 6 minutes. I pay on line and the cut off time for payment is XXXX XXXX pst, but I thought it was XXXX.   Technically compare to few years back that on line payment was not common, they had to receive payment on due date and it would take 2-3 more days for them to receive the actual payment, but now days with electronic payment system it is instant. 
I asked them if they could waive the late fees and they said no. I said ok, then I'll pay what I owe for items that I purchased - minus the late fees- and asked them to close the account. They closed the account but kept late fees as balance of the account. This was back in XX/XX/XXXX. Since then they keep adding late fees. I paid what I purchased, I thought that was fair. I actually paid them extra {$20.00}, beyond what I purchased. 
Can they keep adding late fees, even after account is closed? 

Can you help on this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I XXXX XXXX was the seller of XXXX XXXX XXXX XXXX La XXXX. The house went under contract on XX/XX/XXXX and scheduled to close on XX/XX/XXXX. The buyer of the home used wells fargo as their mortgage company. On Thursday XX/XX/XXXX Wells Fargo demanded that the seller ( XXXX XXXX ) submit the fully executed closing disclosure from the original purchase of the home. I found this request to be strange and after contacting the title company they advised me that this information was personal and not required. Because the home was off the market under contract and needing to be sold the information was reluctantly provided. An email with the information was sent to XXXX XXXX XXXX on Friday XX/XX/XXXX and he was unable to receive the emailed information until MondayXX/XX/XXXX. Once the document was reviewed, XXXX requested a clean payment history from the seller 's mortgage company ( XXXX XXXX ). I found this demand to be more excessive and unreasonable then the first especially since the title company had a payoff on XX/XX/XXXX from XXXX XXXX the mortgage company of the seller identifying the amount needed to establish clear title and transfer of title. I find these actions to be discriminatory, intrusive and unprofessional. An investigation into the amount of mortgages that are closed by Wells Fargo where the closing disclosure and payment history of the seller is required should be conducted.

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 2018-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: NH

Complaint narrative:
Discover Bank - Monthly statement not provided I opened a savings account with Discover Bank recently with the understanding that they will provide me monthly statement ( which is clearly stated on their website as pic attached ). However, after I opened my account, I only had access to a statement every other month. After contacting Discover, they claimed that I will not have a bank statement if there is no ACH deposits, which didn't spell out on their website at all. At the meantime, they refused to provide any kind of official document that could show my account status for the months they skipped within 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I went to school for two semesters and accumulated a debt over 15000. Lost my job and requested a hard ship and no contact was ever made to let me know options. I have tried to call both companies to work out and debit resolution since they are old and no can locate my account via social or name but are holding me responsible for a debit that can be forgotten a

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: OH

Complaint narrative:
Hello, AArgon collection is reporting that i owed {$680.00} on bureaus. I sent validation letter on XX/XX/XXXX to the address on file ( XXXX XXXX XXXX, XXXX XXXX, NV XXXX ). The letter came return. I concluded that they are reporting wrong address on my report so it need to be deleted. 

After doing some researches on XXXX, I found a new address ( XXXX XXXX   XXXX XXXX, XXXX XXXX, NV XXXX ). I send them a second letter on XX/XX/XXXX ( received XX/XX/XXXX ). I got a response sent to me onXX/XX/XXXX and I got it on XX/XX/XXXX.They failed to validate the debt, they did not send me a contract with my signature stating that I have an obligation to pay Aargon Agency XXXX 

I sent a 3rd letter on XX/XX/XXXX, they letter was received on XX/XX/XXXX. I request a validation of the debt again or simply Deletion of the derogatory item. On my report the account is now showing " closed '' instead of a deletion. I am requesting this item to be removed from my report for no validation. 

Also the amount report on my credit report is {$680.00}, in the letter the send me the amount $ mentioned is XXXX. This is an inaccuracy and is wrong reposting on my report. I am requesting a deletion of this item.

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 2018-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: First Data Corporation
State: NC

Complaint narrative:
First Data keeps saying they will return loan to original person for collections cause they no longer have it

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 2018-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: WA

Complaint narrative:
I paid for a watch with 2 day shipping so I could get it in time for XXXX. After the merchant took my money, they sent me a tracking number that showed that they sent it regular service, instead of 2 day, which ended up taking over 2 weeks. As soon as I found out I contacted the merchant and told them I paid for 2 day, and to cancel my order. They told me they could not cancel it since they shipped it, and I told them I do not need it if I can't get it before XXXX. 

I contacted discover immediately and they initially gave my money back, and the item was never delivered to me because I left a note to the shipper to send it back. 

A month later discover charged me back for the watch stating that even though they did not send it 2 day like I paid for, that was out of their control, so now I do not have the watch or my money. The merchant got their watch back and discover took my money. 

Horrible business ethics and even more horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CASH AMERICA INTERNATIONAL, INC.
State: CO

Complaint narrative:
I received this email XX/XX/2018, and they said that I owed XXXX. I have never responded because I have never taken that loan. I can not pay for something that I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I have hard inquiry that need to be removed. I have XXXX XXXX XXXX   and XXXX XXXX that I dont pay. Because I dont have a loan with them. And also I have turned this car in. That is mess up my credit. Which they would not fixs it. It was a lemon. I have problems by trying to get loanss. I hard inquiries on my credit that also pull my credit to XXXX and. And my credit things is still on them way in XX/XX/XXXX XX/XX/XXXX. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted Transunion as well as each individual company in regards to inquiries that I did not authorize. I have also completed a fraud affidavit that Transunion advised me to complete an all the inquires are still reporting. 
Transunion Credit file number XXXX FTC Report Number XXXX Inquires : 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XXXX   XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12.XXXX  XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XXXX 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