vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ERC
State: LA

Complaint narrative:
This company says that I owe them {$81.00}. I have never owed a company such amount ar have I had any contract with such company. In fact I do not know what this is and I request some detailed explaniation. 
Thanks in advance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I took out a synchrony bank credit card to pay for a medical service, in the amount of {$5000.00}. in XX/XX/2017. The agreement was that if it was paid off within a year you wouldn't be charged any interest. Unbeknownst to me I must have inadvertently signed up for a card security program. Since I have other credit cards I've always relied on my credit cards to be secure. Thru XXXX XXXX they charged me {$400.00}. in 7 months to keep my credit card secure!. When I realized what they had done they did refund me the $ XXXX.but I'm very concerned for all the other consumers that are unaware of this predatory practise of charging one an enourmous amount of money to keep your credit card secure. I did pay my credit card off early so had no other charges and have closed my account. I will never do business with XXXX XXXX again.

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 2018-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: CT

Complaint narrative:
Im paying XXXX for a car that others are paying XXXX for. Very high intrest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
we lived in XXXX my wife and the kids went back for family visit for only couple of days son fell down needed medical assistance we assumed he would be covered by either the old XXXX medical cover or the newer XXXX one and now we been getting this charges for that visit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
In mid XX/XX/XXXX, I contacted Navient to ask about a XXXX waiver on the student loans on which I was a cosigner. On the XXXX, I received a letter of instruction on to apply for " Navient private student loan '' XXXX waiver. On XX/XX/XXXX I submitted the Navient Private Loan Total ans XXXX XXXX Request form along with 60 pages of supporting documents. I received an " upload successful '' message. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from the Office of the Cosumer Advocate stated that " this review is not available for cosigners ''. I called on XXXX and left a message because I had questions. I then called 10 more times before the advocate called me on XX/XX/XXXX. At that time I was told " I didn't qualify because this was a private loan and only federally subsidized loans would qualify for a XXXX waiver ". The letter on XX/XX/XXXX reads Navient Private Loan, the form to request a XXXX waiver reads Navient Private Loan. Navient just changed the reason each time. I then asked for all the original loan documents along with Navient 's cosigner XXXX waiver documentation or any documentation about my repayment rights as a cosigner. On XX/XX/XXXX U received the loans documents but no information about my rights as a cosigner. I have also called the XXXX department but after leaving 10 messages I have received no response. The reason I have applied for a XXXX waiver is that my daughter XXXX can not make her payments so as a cosigner I am now responsible to make the payments. My other XXXX daughters have submitted requests to release me as a cosigner multiple times ( XXXX has submitted the paperwork 4 times ) Even though they have met the requirement of making 12 consecutive on time payments, Navient has denied their requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: WA

Complaint narrative:
I received a letter from Key Bank saying that my account will be closed because my account relationship poses excessive risk to the bank. I called them and asked what this letter means by my relationship posing excessive risk to the bank. The customer rep read off the exact same letter I received and said that's why. I was calling to get more explanation in regard to excessive risk of my relationship to the bank and they did not tell me more than what the letter says. I requested to speak to his supervisor to get more information because he was not being helpful for reading off the letter. The rep told me that he was the highest level I could speak to and get information about this letter. I strongly believe that Key Bank needs to tell me why my account will be closed and provide a thorough explanation. They can not treat customers however they want and they need to abide by certain rules and regulations. I don't know if they discriminate me or under what ground they decide to close my account. However, I deserve an explanation than just accepting the fact they arbitrarily closes my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Since XX/XX/2018 every week I have deposited my payroll checks in my checking account at USAA Bank and the Bank has not given me full value for my deposits. Each payroll check that I have deposited, USAA Bank has put on hold about one third of my payroll check for 7 calendar days without a valid reason. I believe that USAA Bank has put my checking account on a so-called blacklist ever since I made a complaint to the CFPB a few months ago. USAA Bank has no valid reason to put a hold on my deposits that comes from a US company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
LOUISIANA RECOVERY SERVIce,XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , LA XXXX says that I owe them {$56.00}. I believe I do not owe such debt because at the time of my service I had insurance in which they did collect some of the money from the dental claim. However my insurance covered everything. I do not understand. I want some details on such claim. 
Thanks in advance

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 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX 9. XXXX XXXX 10.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: MI

Complaint narrative:
i am a victim of identity fraud. There are several accounts in my name that I have no knowledge of whatsoever. The accounts reported as 33 different accounts and are as listed : XXXX XXXX XXXX {$9900.00} open XX/XX/XXXX ; XXXX XXXX {$6600.00} XX/XX/XXXX ; XXXX XXXX XXXX   {$3500.00} XX/XX/XXXX ... there are several accounts reporting from XXXX XXXX XXXX/XXXX  from the year of XX/XX/XXXX-XX/XX/XXXX. By  law and statue of limitations, these accounts should not be reporting to my credit after 7 years. There are also several accounts reporting to my credit from XXXX XXXX XXXX/XXXX in amounts of {$2500.00}, {$3500.00}, and more. All accounts from this company are reporting from the years of XX/XX/XXXX-XX/XX/XXXX which also defied the statue of limitations for debt collection reporting. There are accounts reporting from XXXX XXXX from XX/XX/XXXX which should not be reporting. State of MI Office XXXX in the amount of {$6300.00}, this is a fraudulent account open XX/XX/XXXX. Theres a fraudulent Auto Loan opened from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$31000.00}. There are multiple accounts reporting from XXXX XXXX XXXX XXXX /XXXX/XXXX  opened in XX/XX/XXXX that also break the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 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: MI

Complaint narrative:
i am a victim of identity fraud. There are several accounts in my name that I have no knowledge of whatsoever. The accounts reported as 33 different accounts and are as listed : XXXX XXXX XXXX {$9900.00} open XX/XX/XXXX ; XXXX XXXX  {$6600.00} XX/XX/XXXX ; XXXX XXXX XXXX {$3500.00} XX/XX/XXXX ... there are several accounts reporting from XXXX XXXX XXXX/XXXX from the year of XX/XX/XXXX-XX/XX/XXXX. By law and statue of limitations, these accounts should not be reporting to my credit after 7 years. There are also several accounts reporting to my credit from XXXX XXXX XXXX/XXXX in amounts of {$2500.00}, {$3500.00}, and more. All accounts from this company are reporting from the years of XX/XX/XXXX-XX/XX/XXXX which  also defied the statue of limitations for debt collection reporting. There are accounts reporting from XXXX XXXX  from XX/XX/XXXX which should not be reporting. State of MI Office XXXX in the amount of {$6300.00}, this is a fraudulent account open XX/XX/XXXX. Theres a fraudulent Auto Loan opened from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$31000.00}. There are multiple accounts reporting from XXXX XXXX XXXX XXXX /XXXX/XXXX opened in XX/XX/XXXX that also break the SOL.

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 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Requested to place freeze on report and was denied.

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 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: LA

Complaint narrative:
PHOENIX FINANCIAL SERVICE says that I owe them {$440.00}. I do not know what this is and I have never had a contract with such company. I request some explination of such charges in detail because I do not believe this is mine. 
Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX  9. XXXX XXXX 10.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 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX. 
XXXX No longer has the debt as I contacted the Federal Trade Commission because I received charges for something I didnt do. They no longer have the debt as they returned it to XXXX who no longer has records of the account but DCI refuses to send me a letter, email or fax to confirm that they no longer have the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Consumer Relations : Please be advised this letter is being sent to request an investigation with your agency in regarding the inaccurate entry being reported onto my credit report under Bankruptcy Chapter XXXX-Dismissed for account # XXXX. I have repeatedly asked TransUnion for evidence to support their reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by Bankruptcy Chapter XXXX-Dismissed, XXXX and XXXX, substantiating their claims. 

Secondly, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe they are acting in bad faith and have not complied with the Fair Credit Reporting Act, I had no choice but to file a complaint with the Consumer Financial Protection Bureau. 

Furthermore, the Bankruptcy Court states within their letter that they do not report public records with any credit reporting agency. Also the security freeze prevents XXXX and XXXX XXXX from releasing any of my reports. Please see attached copies of documents that substantiate my claim. I request TransUnion to please look into this matter immediately and correct the inaccuracy within the time frame required by the Fair Credit Reporting Act ( FCRA ). Also, I will need you to inform me in writing of the results of your investigation. Please also send me my updated and corrected Credit Report as soon as your investigation is finished. 

Lastly, the TransUnion representative Mr. XXXX, XX/XX/2018, upon request, refuse to supply me the name of the source and agency that was use to verify relevant information regarding my dispute that the agency has received. Mr. XXXX, also stated my complaint was finalize and closed and status sent in the mail regarding disputed public record. When I question the procedure use and name of source, he told me you are breaking up and that he could not give me any information that was use in the dispute. 

Thank you for your time and consideration in this matter. 

Sincerely,

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 2018-07-20 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: TX

Complaint narrative:
Requested accounts be verified. Received notification that account was verified. Original amount that was showing on report for a XXXX account went from {$6100.00} ( XXXX ) to {$61000.00}. 

Also added an additional account to report in the middle of investigation for other accounts. I do not know why account was added as was removed prior for identity theft, yet it was added without my knowledge.

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 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: CT

Complaint narrative:
I have SunTrust Mortgage company some time now. I have lived in my home since 2008. I have a very same brook in the back and side of my house since the day I bought the house I was told by XXXX and the town of XXXX that my property is in a flood zone x. I have been receiving flood insurance though XXXX XXXX paying XXXX a year for coverage. Now Sun Trust is saying that I'm in a flood zone A and are not working with me and gave me their flood insurance which upped my mortgage XXXX per month. I'm a single mom and I can't afford to pay this amount every month. I have called SunTrust many times to see why my paperwork isn't acceptable this year. The last couple of years they have received my paperwork and I was fine with my XXXX XXXX flood insurance and they where good with me being in a flood x. Now they are telling me that I need to get update paperwork from XXXX either a map amendment or map revision. I have applied on line with XXXX to get this information which takes them up to 60 days to provide the paperwork to me. So now in the mean time I'm only paying my normal mortgage not the extra money that they added on to my mortgage I feel I have given them the proper documents for them to solve this issue. Nobody ever gets back to me at Sun Trust and I have faxed over the information many times and All State also tried to tell them that I was in a flood zone x. I feel if this isn't taken care of I will end up losing my house.

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 2018-07-20 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Around two to three months ago unsure of the exact date. Me and my girlfriend were setting up a baby shower and we went through a party retailer to rent tables chairs etc. the retailer was asking a deposit of 50 % which was only refundable up until a certain day before the event. A family member was able to help us with chairs and tables hence we decided we wouldnt need their services so it being serveral days before the last day to refund we called and asked but they kept denying our refund saying it was too late even though we had not past the discussed date. So I went through my bank to try and charge back and get my XXXX $ back seeing how these people were attempting to take advantage of me. Then fast forward 2/3 months and my bank denied my charge back saying the merchant has the right. That they got a signature ( which is not even mine ) I never read any of the paper work or agreed. So now my bank has sided with them saying I have no right to a refund even through I requested one before the due date the merchant is saying we attempted to request it after and that is their reason for denying us our refund. The merchant wont do anything to help us and my bank wont either. The merchant never provided any service or product and are charging me XXXX . I feel like Im being cheated by my bank and the justice system. I work hard everyday and have a kid on the way these people literally left with no money in my account and are just trying to dust me under the rug.

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 2018-07-20 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: CT

Complaint narrative:
I recently used Experian to check my credit score. It claimed to have a free credit check and then didnt include the actual credit score. That was for an additional {$1.00}. I signed up for it, without it being clearly marked that it would be {$19.00} + tax after 7 days. I called them and they claimed it wasnt fine print, but I find it unclear and false advertising for receiving a free credit score. This happened on Tuesday, XX/XX/XXXX, and my credit card was charged {$21.00} the week following. They took advantage of me thinking it was a free credit report. My husbands financial advisor recommended them, and I feel theyre taking advantage of individuals who are simply curious about their credit score.

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 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
Again this company has listed I owe the following which is not verifiable I have disputed and requested several times with nothing being received. Please help I want these inaccurate remarks off of my credit file The CBE Group # XXXX The CBE Group # XXXX I do not owe

Company response to consumer: Closed with explanation