vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I opened up my own bank account and XXXX XXXX XXXX was suppose to close me out of his account. In the meantime, he received a check for almost 60,000.00. He also received two XXXX checks he had told me that the {$60000.00} check was from his home mortgage company and the other two checks were from stocks from his old company he worked with. I knew nothing where the money actually came from except what he had told me. He said he had taken me off of his account and I had already given him back my debit card from that account. One day, a Mrs. XXXX from Wells Fargo contacted me stating that XXXX XXXX XXXX owed them over 45,000.00 dollars and had told me that he was involved with a check scam. I was shocked that she was giving me this information because I had thought I was no longer on the account and had no access to these funds. He always had online statements and never let me know. I have divorced him and when I remarried my husband and I went to Wells Fargo to add me to his checking account and they said I could not do that because I was still on XXXX XXXX XXXX XXXX this account. I contacted XXXX XXXX XXXX at XXXX and he told me that once he closed his account that was when he had me removed from it. So the whole scam is under my name as well, and I had no clue that this happened. XXXX XXXX XXXX never did do what he said he told me about removing me from the account when I opened up my own personal checking account with Well 's Fargo. I didn't think my ex-husband would be a victim to this but he never let me know what happened and I still don't know what is going on with it as of today. I found out when I went to get my name on my new husbands account. The bank asked me to file a claim and then once it is filed they would see if I can get added to my new husbands checking account. So this what happened.

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 2019-09-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I closed my Kohl 's account on XX/XX/2019. After closing my account they have added comments to my credit reports that are unexplained. XXXX  has " Comment : Closed - Dispute resolved ; consumer disagrees/account closed by consumer ] '' XXXX has " [ Comment : Closed - Account closed at consumer 's request, Account closed at consumer 's request and dispute investigation completed - consumer disagrees ]. '' XXXX  has something similar but Kohls has now disappeared from that credit report as a closed report. I have contacted Kohl 's multiple times, however, they are not able to tell me what or when a dispute had occurred. I have never disagreed with anything that has occurred between Kohl 's and myself. I did a Dispute in the past few weeks, but after the investigation the credit bureaus stated that Kohl 's continues to say that the comment is correct. I am not sure what to do next to get these comments removed from my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian credit company puts the auto loan of XXXX  XXXX like charge off and this is wrong information also they put it in my credit like collection and it is a close account. This was a repossession voluntary of me to the bank.

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 2019-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX was scammed out of XXXX  dollars in gift cards and demanaded money from me im left short

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have had the loans forgiven due to as of XX/XX/XXXX becoming XXXX XXXX. 

XXXX has made all the adjustments but I dont see it here with you TransUnion. 

Can you please help with seeing that it has been applied to my report. 

I can be reached at+XXXX or XXXX XXXX XXXX XXXX XXXX , NC XXXX Thank you XXXX XXXX Balance Decrease DEPT OF ED/XXXX + Balance Decreased by {$95.00} DEPT OF ED/XXXX  + Balance Decreased by {$1800.00} DEPT OF ED/XXXX  + Balance Decreased by {$270.00} DEPT OF ED/XXXX + Balance Decreased by {$270.00} DEPT OF ED/XXXX + Balance Decreased by {$1200.00} DEPT OF ED/XXXX  + Balance Decreased by {$5100.00} DEPT OF ED/XXXX + Balance Decreased by {$1100.00} DEPT OF ED/XXXX  + Balance Decreased by {$4000.00} DEPT OF ED/XXXX  + Balance Decreased by {$4100.00} Updated Account Information DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX  + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX  + Remarks Removed From Account DEPT OF ED/XXXX  + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX  + Remarks Removed From 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 2019-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have had the loans forgiven due to as of XX/XX/XXXX becoming XXXX XXXX. 

XXXX has made all the adjustments but I dont see it here with you XXXX. 

Can you please help with seeing that it has been applied to my report. 

I can be reached at+XXXX or XXXX XXXX XXXX XXXX XXXX , NC XXXX Thank you XXXX XXXX Balance Decrease DEPT OF ED/XXXX + Balance Decreased by {$95.00} DEPT OF ED/XXXX + Balance Decreased by {$1800.00} DEPT OF ED/XXXX  + Balance Decreased by {$270.00} DEPT OF ED/XXXX + Balance Decreased by {$270.00} DEPT OF ED/XXXX + Balance Decreased by {$1200.00} DEPT OF ED/XXXX + Balance Decreased by {$5100.00} DEPT OF ED/XXXX + Balance Decreased by {$1100.00} DEPT OF ED/XXXX + Balance Decreased by {$4000.00} DEPT OF ED/XXXX + Balance Decreased by {$4100.00} Updated Account Information DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX  + Remarks Removed From 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 2019-09-02 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: UT

Complaint narrative:
On XX/XX/2019 I sent Equifax ( see attached letter ) a letter requesting that the security freeze on my account be lifted for the period XX/XX/2019 through XX/XX/2019. I received a letter from Equifax, in response, dated XX/XX/2019 indicating : This letter confirms Equifax processed your request and permanently removed the security freeze on your Equifax credit report. 

Despite my clear instructions to lift the security freeze for the period XX/XX/XXXX-XX/XX/2019, Equifax incorrectly processed my request by " permanently removing my security freeze. '' Further, I have been unable to access my Equifax online account for at least a year now ( see attached screenshot ). Each time that I attempt to login the following message is displayed on screen : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX Customer Care is available between XXXX XXXX and XXXX ( ET ), 7 days a week. 

Each time that I have contacted Equifax at the number I've been told that they are working to resolve the issue. The last time I called they told me they were " unable to verify my identity. '' Ive been told that Equifax has been having technical difficulties and that this issue would be fixed but yet it never gets fixed. 

As a result, the last written correspondence with Equifax ( which included copies of my DL, utility bills, etc ... to " verify '' my identity ) included a request to have the login information corrected. To this date, no action has been taken to correct my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2019 I used Experian credit XXXX XXXX to raise by credit score by linking by bank account. My regularly paid bills such at internet, cell phone and utility bills helped raise my score. this raised by score 39 points. I deleted the connection and my credit score was lowered. I attempted to reconnect my bank account and was denied and have been denied since, today is XX/XX/19.. I entered my bank account information, website, address etc. I sent numerous inquiries to Experian about being denied the XXXX XXXX. I continue to be systematically denied a service that can increase my interest rates on credit cards and my recent installment car loan on XX/XX/19. Because I'm a member of XXXX XXXX XXXX Experian has systematically denied me the right to have services that will increase my credit score thereby giving me access to better interest rates. As a result I'm subjected to predatory business practices that have increased my interest rates on my car loan and credit card. I'm being treated unfairly and discriminated against because I'm not a member of a certain banking group. Systematic discrimination practices by Experian not to offer me the benefit of using their XXXX XXXX  has cost me thousands dollars more on my recent car loan. This is unfair and illegal! I want to be made whole.

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 2019-09-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4400.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Apparently in XX/XX/2019 SunTrust raised their minimum daily balance requirement on Signature Checking from {$2500.00} to a whopping {$25000.00} without notice. Beginning on XX/XX/19 they have been deducting a monthly fee of {$25.00} even though my balance has never dropped below {$3000.00} and I continue to maintain my mortgage there. They made this change without notice and I only discovered this when I reviewed the surprising deductions that had been made.

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 2019-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I relocated in XX/XX/2018 and properly completed my change of address notification with the post office. Instead of XXXX XXXX XXXX XXXX XXXX forwarding me a proper bill, they wrote the debt off and sold it to a collection agency. This debt was PAID IN FULL TO XXXX XXXX XXXX XXXX AFTER I FINALLY GOT NOTIFICATION OF AN ACTUAL DEBT BUT THIS COLLECTION PLACE STILL PLACED THIS ON MY CREDIT REPORT!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Huntington bank locked my accouont while I was ordering something on l ine! 
Now, it is frozen, and I can not use account at all!! And they are closed and ar too cheap to hire people to answer their phone!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

This should be enough to FINE HUNTINGTON BANK ASAP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

And their location in XXXX, Ohio, always has a broken ATM!!! Either you can not deposit a check or cash, or withdraw money!! It is always broken in some way!! 
They are too cheap to get it replaced!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Goal Structured Solutions, LLC
State: NV

Complaint narrative:
LAUNCH SERVICING LLC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019. My niece got a call saying that the Sheriffs would be out in an hour or so to arrest me. So I called the phone # back & I talked to a guy named XXXX from XXXX XXXX XXXX XXXX in which he never enclosed who the debt was from or even what company he worked for. He just said I owe {$3900.00} & wanted pymt. He threatened me with the Sheriffs coming out & getting a judgement against me, plus going to my place of employment to get a 25 % garnishment if I didnt pay the debt that day. I told him I didnt have it & that. But he kept on threatening me & intimating me. So I ended up paying {$390.00} so I could sent up a {$100.00} monthly pymt plan. This debt is at least XXXX old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I applied for a vehicle loan in XX/XX/XXXX at that time my XXXX year old was having XXXX   XXXX XXXX in which i was unable to work due his stay in the XXXX XXXX hospital in XXXX. The vehicle was repossessed and it really put my family in a terrible situation concerning me getting back and to work and my son back and forth to his Doctors appointments..As of XX/XX/XXXX they have been garnishing my wages every week which has also put my family in a financial hardship.i tried to explain to them the situation about my son and also that i have been diagnosed with XXXX  XXXX XXXX XXXX ... .and that would like to get this issue resolved.i was told that there's nothing they can do to help me with this matter because i was supposed to go to court but was unaware of the court date until aftet the court date had passed ... unfair..the $ amount that they have taken up to date is {$3300.00} and as my credit report states a remaining balance of {$3100.00} ... they take from my check every week they're also taking from my children ... i have XXXX children, rent, utilities, food, clothing and basic necessities that i struggle to pay because of the amount the garnish every week..i turn down overtime because the more i make the more they take ... and it's frustrating and i don't need the added stress ... they sold the vehicle and yet i have to pay for a product i have had in years ... not fair ... who does things of this nature ... The company is Credit Acceptance Corporation..

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 2019-09-02 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: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
This complaint is against XXXX XXXX. After numerous disputes with foundation, XXXX XXXX. has refused to comply lawfully. I have disputed these two accounts separately, ( XX/XX/XXXX ) ( XX/XX/XXXX ) unsucessfully. These accounts are with midland funding llc. # XXXX # XXXX. These accounts are reporting with different addresses and names as well.My disputes have been that midland have been reporting inaccurately, therefore should be deleted from file.They have been reporting to an address that was deleted on XX/XX/XXXX.with report # XXXX, but yet continue sending billing statements to the address, also reporting erroneous names with it. My real name is ( XXXX XXXX XXXX ) I have disputed with XXXX on numerous occasions, since XX/XX/XXXX. The most recent with certified mail # XXXX XXXX XXXX XXXX XXXX / and # XXXX XXXX XXXX XXXX XXXX.I have sent XXXX  with vast proof with copies of birth certificate, social security, erroneous billing statements, current address , but yet XXXX  XXXX, does not take the appropiate measures pertaining to law, which clearly states that if an item is not verifiable, it must be deleted.I have also disputed with collection agency ( MCM ) and they failed to validate debt, with certified mail # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. Also, i have sent XXXX a document from XXXX  dated XXXX., showing deletions for these same accounts.The law is very clear, as to remedies for these type of violations. Accounts posted on credit file and disputed by consumers, should carefully be revised to ensure that no repercussions are suffered, otherwise anyone paying for reporting services could fax or mail-in a fraudulent account..I have suffered several inquiries, on my report, and this has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been paying my student loan on time for several years.I had requested to pay more each month approximately $ 100- $ 200.00- but Navient wont approve it. I am on a payment plan of lower payments due to my income ( approx. {$64.00} ). I made a lump sum payment ( approx : {$500.00} ) on XX/XX/2019 because I had saved some money. I want to keep paying every month according to what I can afford. 
Navient approved me to continue the low repayment plan in XX/XX/2019- however all of a sudden in XX/XX/XXXX and XX/XX/2019 Navient increased my payment to {$960.00} approximately half of my total wages. 
I called Navient on XX/XX/2019 and instead of continuing my repayment plan as was established they insisted on a Forbearance- now they are again saying I must pay an amount that will be impossible. ( half of my wages ) It is very difficult to manage the process with Navient-I am not a loan expert. I want to pay my loans as I can afford and I have been diligently. My account shows I have been on time and paying for several years without lateness. Please help me to fix this problem. 
XXXX XXXX XXXX -Navient Loan # XXXX

Company response to consumer: Closed with explanation