vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wellsfargo lost my locked box contents. All my fees had been paid.

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 2019-11-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX  All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Love, Beal & Nixon, P.C.
State: CO

Complaint narrative:
A garnishment hold was placed on a checking account of mine for a debt that is not mine. The collection company ( Love, Beal & Nixon PC ) in XXXX  XXXX, OK refuses to provide any information on what the collection is for, they have not validated the debt and I was never served with any paperwork for this debt. I have never been made aware of this debt and does not show up on my credit. I have no idea what this is and the collection company refuses to communicate any information in regards to this debt they are attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TCF NATIONAL BANK
State: GA

Complaint narrative:
Sent a dispute letter asking for the Original creditor name and address under 15 USC 1692. Never answered by affidavit and stole the car when a cease of collection of debt after put in dispute in violation of Fair Debt Collection Act, XXXX XXXX, The XXXX XXXX XXXX and non-consentual tow. I am a consumer and not a artificial entity. I am not deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-11-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I opened an account with TD Bank somewhere around XXXX. Because there were irregularities with how the bank opened/managed my financial information, and utilized my funds, I decided to close the account. The closure status date was XX/XX/2015. 

TD Bank agreed to a settlement after lawsuit involving clients who incurred overdraft fees. See TD Bank Overdraft Litigation { https : //www.tdbankoverdraftclassaction.com } I was added as a participant in a class-action lawsuit, under the class member status of Financial Regulation E and XXXX XXXX XXXX. Essentially, this class involves clients who were charged high-interest rates and had issues with debit card/financial transactions. Each class represents a different claim or situation with TD Bank. 

My account XXXX incurred overdraft fees and sustained overdraft fees during the beginning of XXXX While I contacted TD Bank for a copy of my statements, I have been denied access to these documents. I have been told to go to the nearest branch, but when I requested these documents at a branch ( XXXX MA ), I was told that they do not have access to these documents. The account was reported to debt collection agencies for a charge-off amount of {$430.00}. Some of these debt collection agencies no longer exist, and I don't know how my financial information was sold or used. 

The account was closed, after I deposited a check at TD Bank on XXXX XXXX XXXX, XXXX, MA XXXX during the early months of XXXX. The ATM machine swallowed my check, and I was unable to deposit money into the account. While I freaked out that my deposit check was stolen by the ATM machine, the staff told me that there was nothing they could do, and was asked to leave the setting. This made me overdraft my account, because I was unable to fix a negative balance. I was frustrated that I was charged overdrafts after the ATM swallowed  my check, and the staff refused to help me. Further, having no funds, I was unable to fulfill pending charges and my account was reported to XXXX for : Overdrafts, Account Abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$600.00}, {$1200.00}, {$560.00}, {$190.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 22
6.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-ACCOUNTS- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 










-STUDENT ACCOUNTS- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$560.00} -This is not my account. 


-COLLECTION ACCOUNT- 5. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my 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 2019-11-26 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$600.00}, {$1200.00}, {$560.00}, {$190.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-ACCOUNTS- 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 










-STUDENT ACCOUNTS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$560.00} -This is not my account.

-COLLECTION ACCOUNT- 5. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint against Kohls Credit Card company, regarding a credit card that belonged to my deceased mother XXXX XXXX. After contacting Kohls to inform them of my mothers death, I believe they decided to fraudulently add my name to the account as a Primary account holder. When I asked them why my name was placed on this account as the Primary, they stated that I was secondary before and not an authorized user, so this gave them authority to make me Primary account holder. I then requested documentation to prove that I signed up as a secondary account holder, they stated they could not provide that proof. I then stated that all statements, documentation and correspondence has always been addressed to XXXX XXXX, not XXXX XXXX and XXXX XXXX as it should be when a person is a secondary account holder, they could not give me an answer and just stated that I was a secondary. They then decided to lock me out of the online account and changed all info related to my mother, at this present time I still can not access this account that is supposed to belong to me as a primary. This is so ridiculous and pretty much illegal if I could be frank, especially when they are not provided any proof. If they were to provide proof that I signed an application as a secondary account holder, I would take full responsibility of this account. I am requesting that Kohls remove my name from this account as the Primary card holder.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 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.

Complaint narrative:
I recently moved to XXXX to escape an XXXX   husband, my income did not change in USD, I am just now paid in CAD - same company. I was originally making approximately $ XXXX in the US pre-tax, post tax it was about $ XXXX. When I originally certified for income based repayment based upon those numbers and my marriage, I was paying {$0.00} a month. 

After the divorce, I went through the re-certification process again, and although my income did not change, now Navient is claiming I owe {$470.00} a month. This was originally based upon me providing a letter from my employer in XXXX advising that I make {$100000.00} a year CAD. I was told this specifically by a Navient employee in XXXX, and was told to resubmit my application based solely on my XXXX tax return and not using any letters from employers. 

I did this, and it came out yet again to {$470.00} a month. The woman I spoke with after this - on XX/XX/XXXX - said that it was another mistake on their part, that based upon my $ XXXX $ XXXX AGI I should be paying {$360.00} a month, and advised that she was putting notes in the file so that someone would correct the issue. I never heard anything back, and logged in on XX/XX/XXXX to see that I am still being told I owe {$470.00} a month. After about an hour on the phone with various people - all of whom stated that this {$470.00} a month was based on my $ XXXX XXXX, I was finally informed by a supervisor - who had also erroneously claimed that this was based on my $ XXXX XXXX - that I was right the entire time and the {$470.00} WAS based on my $ XXXX CAD income being treated as $ XXXX XXXX, which had I been stating all along throughout this phone call. She advised that after reviewing my file further, she discovered that my joint tax return was not accepted because I filed taxes jointly ( as I was married when my ex husband and I earned our income, of which he only earned approximately {$2000.00} for the year ) and subsequently divorced. 

After hours of explaining everything to people at Navient ( something that can not be that uncommon - surely people get divorced and pay student loans all the time ) everyone I speak with agrees I am right and they apologize for the " inconvenience '' but then just keep " resolving '' the issue the same way as before so nothing is ever done. I don't know what to do, I am still dealing with the debt my financially abusive ex husband left me with, and am struggling a great deal. All I want is for my monthly payment amount to be calculated correctly and fairly, and for me to not have to spend hours fixing an issue that I did not create. 

As of submitting this, the issue is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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:
Not my information reporting 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 non-monetary relief
Consumer complaint received 2019-11-26 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: CA

Complaint narrative:
I was denied from opening a credit card at XXXX XXXX XXXX today XX/XX/19 because there are accounts with negative history on my credit report. None of those accounts belongs to me nor did I give anyone permission to open those accounts on my behalf. I have never had any contract or agreement with any of those companies and I did not allow them to run or view my credit. I did not benefit anything from these accounts such as money, goods or any other benefit and I did not make any payments or purchases towards these accounts. I filed a police report regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There is an inquiry from XX/XX/2019 on my credit report from SYNCB National Credit Cards/Airlines that I did not sign up for. I do not have a card or account with this company. I called the creditor at XXXX that was provided to me through XXXX XXXX. When I called they stated they already submitted a request for removal and that it was an incorrect inquiry. Then they stated in order to get it completely removed I needed to call XXXX Credit Bureau. I called them at XXXX and the phone lines were busy every time I called.

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 2019-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
In XX/XX/2019, I sold a video game on XXXX  to a purported buyer. I followed all XXXX guidelines for seller protection, particularly for sending digital download codes for software. 

Upon receipt of the redemption codes, the buyer initiated a fraudulent claim, stating only that " my account was hacked '' and requested a chargeback of {$35.00}. PayPal agreed with the buyer without considering any of the evidence that I provided to the contrary. 

Upon calling them today ( XX/XX/2019 ), the Disputes representative I spoke to was incredibly rude, hung up on me, and refused to allow me to appeal or re-open the claim. She stated that I didn't provide " the IP address '' or " other information '' proving that I was defrauded. I work in XXXX  -- there is no discernible way that I would be able to find the IP address of the fraudster 's XXXX to prove that they redeemed the codes. 

PayPal should examine how they treat customers on the phone. Customers -- especially Veterans, like me -- don't deserve to be treated rudely because we're trying to make sense of a financial institution 's overwhelmingly complex, confusing, and vague claims processes. After wasting several hours on the phone, I gave up, paid the balance due, and closed my account. I will never open a PayPal account again, nor will I ever recommend PayPal to friends and family. In fact, I will actively advise against opening accounts with PayPal to anybody who will give me the time of day. 

Having worked for a XXXX XXXX XXXX XXXX responsible for handling bureau complaints and inquiries, I do not expect anything to happen to PayPal, nor do I expect to receive my defrauded {$35.00} back, although it would be appreciated, particularly after how poorly I was treated on the phone. Nevertheless, I will be watching closely for similar stories, and will consider certifying a class for a class action lawsuit for UDAAP in how PayPal handles claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I have been XXXX for the past 5 years, I opened my Flagstar checking account online and was able to manage it throu online banking, I used the Flagstar bank account to pay off my credit card. However on XXXX XXXX 2018 I made a payment which didnt go throu, I called Flagstar and asked  why they said they will process it again. And that was the last time I had access to my account. Apparently the phone payment overdrew my account and they closed it so I had no access to it online anymore. I received zero emails. I have been offered a XXXX credit card limit and dont use it. However I arrived in the states a month ago and I was checking my credit score to see that its 100 points down due to a collection of XXXX dollars from Flagstar. I called them they asked me to call the collection agency which I did and I disputed it so they told me to call Flagstar from now on. I did contact Flagstar, the first representative hang up the line, the second one was a banker so decided this matter is only resolvable from the credit card department which didnt. She even blamed me for not reporting a valid address and said they have mailed me letters. My communication was set to electronic, they arent allowed to contact me via mail. Secondly, they processed the payment and apparently both payments went throu therefore they overdrew the account. Thirdly, they have zero communication between their departments otherwise someone should have mentioned the overdraft fee or at least was able to resolve my matter. I am a victim of their system. I offered to settle the amount if they remove it from 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