vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-03 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Greetings, I have an account open with Barclay which I opened in XX/XX/XXXX, I just noticed there is another credit inquiry for another loan with them inXX/XX/XXXX which I never applied to. I would like to report this as a fraudulent request as neither my family nor myself have made any applications with this bank since the one that was submitted and approved in XX/XX/XXXX at an XXXX  Store.

Please let me know if you need any additional information from my end.

Thanks

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 2018-04-03 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 — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Case # XXXX I had my personal doctor process notes paperwork with my personal information on it DOB, Soc number, telephone number, email address, insurance information, other personal information about me. I also had money, my Fifth third debit card, make up and car keys ( XXXX to replace keys ) in my bag. I had my bag stolen from my therapy work out session. The Suspect that stole my items used my Fifth Third debit card on transactions that I didn't authorized I contact Fifth Third bank the same day the theft occurred to have them to block the debit card. Later I discovered that my card was used to purchase goods and services that I didn't receive The suspect order XXXX XXXX concert tickets in the amount of {$170.00} ( I don't listen to Blues music ) and made other fraudulently transactions with my debit card. Then later the suspect had hack compromise my account with Fifth Third bank I had to go into the Fifth Third branch to close my account and stop all my direct deposit due to the suspect made numerous attempts to get money out my account. I contact XXXX XXXX and informed them that the purchase in the amount of {$170.00} was made without my permission, and that my debit card was stolen. The suspect was never able to use the tickets but XXXX XXXX still charge me for the fraudulently charges of {$170.00} my Fifth Third Bank had given me a temporary credit in that amount but on XX/XX/XXXX Fifth Third bank reverse that money back. I shouldn't be held accountable for this fraudulently transactions I reported this to the bank and contact the Merchant. I file a report with your company also in XX/XX/XXXX and XXXX at Fifth third bank ( XXXX ) XXXX contacted me concerning this case but she didn't resolve the matter. The suspect had all my personal information so the suspect could put my personal information such as name email address and physical address into the computer to obtain goods. These transactions were made over the internet. Fifth Third bank is FDIC and are to secure my money at all times. I did the appropriate procedures to file a claim with the bank and i followed all the guidelines and also file a police report I would like for the bank to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: TN

Complaint narrative:
While in the process of buying a home, my loan application shows the amount of {$1200.00} owed to XXXX XXXX XXXX. I called and the representative could not locate my account using name, address, or ss #. I have never received any information from XXXX XXXX XXXX, nor do I have any unpaid medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: MD

Complaint narrative:
In the months of XX/XX/XXXX-XX/XX/XXXX, I was going thru some financial hardship and could not afford my car anymore, witch was a ( XXXX XXXX XXXX XXXX XXXX ) I then reached out to my auto loan company witch was autouse/autoloan/lease and rental management. ( weird ) to VOLUNTARY SURRENDER VEHICLE the vehicle was then picked up some time in XX/XX/XXXX and at the end of XX/XX/XXXX the account closed and listed the vehicle on my credit report as an INVOULUNTARY REPOSSESION, and is being reported to XXXX, equifax, and XXXX as such, and is totally inaccurate, the other problem is in XXXX XXXX I noticed two 30day lates added to my credit report after the closing of account in  XXXX XXXX.My most major issue is I have not received all the required notices such as NOTICE OF SALE, as of XX/XX/XXXX my credit report still has a balance of XXXX dollars.XXXX is reporting no payment history on this account at all, Equifax, XXXX all are reporting inaccurate account iformation on this closed account, And are also in violation of the FCRA section 611 as well as my prior auto loan company, autouse/autoloan/lease and rental management corp.Ive also disputed with all three CRA 's with no success in witch I will continue until I will have no choice to take other action with all parties.my ability to obtain credit has been hard because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: MD

Complaint narrative:
In the months of XX/XX/XXXX-XX/XX/XXXX, I was going thru some financial hardship and could not afford my car anymore, witch was a ( XXXX XXXX XXXX XXXX XXXX ) I then reached out to my auto loan company witch was autouse/autoloan/lease and rental management. ( weird ) to VOLUNTARY SURRENDER VEHICLE the vehicle was then picked up some time in XX/XX/XXXX and at the end of XX/XX/XXXX the account closed and listed the vehicle on my credit report as an INVOULUNTARY REPOSSESION, and is being reported to XXXX, XXXX, and experian as such, and is totally inaccurate, the other problem is in XXXX XXXX I noticed two 30day lates added to my credit report after the closing of account in  XXXX XXXX.My most major issue is I have not received all the required notices such as NOTICE OF SALE, as of XX/XX/XXXX my credit report still has a balance of XXXX dollars.XXXX  is reporting no payment history on this account at all, XXXX, Experian all are reporting inaccurate account iformation on this closed account, And are also in violation of the FCRA section 611 as well as my prior auto loan company, autouse/autoloan/lease and rental management corp.Ive also disputed with all three CRA 's with no success in witch I will continue until I will have no choice to take other action with all parties.my ability to obtain credit has been hard because of this.

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 2018-04-03 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. My apartment was broken into and several ID documents stolen. I filed a police report and have attached a copy to this complaint. I found several inquiries that were a result of this identity theft. The inquiry below is a result of ID theft : XXXX XX/XX/2018 2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I wish to file complaint against Transunion XXXX I have sent 4 different dispute letters to correct inaccurate information on my transunion credit file. 
XX/XX/2018 was my 3rd letter asking for written verification of collections and I did not receive verification or any proof of an investigation. 
Again on XX/XX/2018 I sent a 4th and final letter to investigate and verify said accounts and still have yet to see any results.

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 2018-04-03 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: TX

Complaint narrative:
I am a victim of identity theft. My apartment was broken into and several ID documents stolen. I filed a police report and have attached a copy to this complaint. I found several inquiries that were a result of this identity theft. The inquiry below is a result of ID theft : XXXX XX/XX/2018 2018

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 2018-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft. My apartment was broken into and several ID documents stolen. I filed a police report and have attached a copy to this complaint. I found several inquiries that were a result of this identity theft. The inquiry below is a result of ID theft : Capital One XX/XX/2018 XX/XX/XXXX. 2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX aXXXX XXXX placed a Charge off on my credit reporting statement despite the fact that they were paid off in full and I have records to prove that. The bank got paid the agreed amount of {$2300.00} dollars as a difference between the book value of the vehicle totaled and the balance on my auto loan. The bank sent me a letter to pay within 180 days and I complied by paying the balance in full. Yet the bank decided to place a CHARGE OFF on my credit report. Clearly this is fraud. According to XXXX search I found that When an account displays a status of charge off, it means the account is closed to future use, although the debt is still owed. The credit grantor may continue to report the past due amount and the balance owed. Clearly that is false. The bank was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo foreclosed on our home in XXXX. We tried extensively to work with the bank to modify the loan and avoid foreclosure. We sent the paperwork we were told to send more than 20 times only to be told over and over again that they didnt receive it or it was lost. Finally, we were told we qualified for a HAMP modification and then denied after we submitted more paperwork. We were worn down to the point of being unable to fight anymore. Looking back, we had rights and they were taken from us by the bank just running us ragged. We purchased the home in XXXX for {$350000.00}. Wells Fargo auctioned it off for only {$180000.00}. A price well under what we could have afforded to stay in the home. Since then, we have undergone a landslide of financial after effects from the foreclosure. Wells Fargo was not honest and should provide restitution for their dishonesty and mistakes in dealing with our home foreclosure process. We have been unable to own a home since XXXX because of Wells Fargo not following proper protocol.

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 2018-04-03 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: TX

Complaint narrative:
I am a victim of identity theft. My apartment was broken into and several ID documents stolen. I filed a police report and have attached a copy to this complaint. I found several inquiries that were a result of this identity theft. The inquiry below is a result of ID theft : XXXX XXXX XX/XX/2018 XX/XX/XXXX. 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am trying to open an account for my adult son who is XXXX. I am his legal guardian. 
Here is the background on this issue. 
I original filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. 
This was the original complaint : I am trying to open an account for my son which I am his legally appointed plenary guardian. The banker faxed the paperwork into their document review team, and they told the banker ( phone conversation ) that the paper was not sufficient. The review team refused to talk directly to me or to give me a number to reach them, or the legal team. I then asked for a supervisor and they said they would have a supervisor get on the phone with the banker and she would have to relay information to me. They stated they dont talk to customers. They did give me a name of XXXX XXXX XXXX who was talking to the banker and his supervisor XXXX XXXX but would only give me a number of XXXX. 
After filing that complaint with the XXXX XXXX XXXX I did receive a call from XXXX ( executive office ) XXXX ext. XXXX after several conversations she stated that the guardianship was going to outdated within a week it has to be within 2 years. 
So I then went back to the courts and got a updated court order of guardianship which I faxed several times and had to make several calls before XXXX would respond to me. She then stated that the legal department wont accept it because they needed it to state I was guardian of the estate. 
I then went back to court on XX/XX/XXXX and got guardianship of person and estate and faxed a copy of the court order to XXXX and left a message on her voicemail. I have left XXXX messages with no call back. On XX/XX/XXXX I finally was able to get XXXX on the phone she told me to fax and email a copy of the order to her and she would get it reviewed and get back to me. I did that on XX/XX/XXXX. Again I left several messages. Finally on XX/XX/XXXX I received a call from XXXX who stated they will review the court order and will get back to me. She did state it would take some time. I dont understand why it is taking this long. When I original went into the bank on XX/XX/XXXX they faxed the paperwork to the review team and got a decision immediately. 
I would like help with resolving this issue. I am not sure if this is typical practice on trying to open an account for a XXXX person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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:
XXXX XXXX, XXXXt XX/XX/2017, XXXX, XXXX   XXXX, XXXX & XX/XX/2017, XXXX XXXX XX/XX/2017 pulling my credit report saw these inquires tried to file a dispute with Transunion representative told me I couldnt file a dispute I would have to wait two years for these to fall off report even though I didnt authorize my credit to be ran they are not mine

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 2018-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KY

Complaint narrative:
In XX/XX/XXXX I was visiting relatives in South Carolina. During that time I bought a new Nissan at a local dealership and financed it through Nissan Motor Acceptance Corporation ( NMAC ). After returning to my home state of Kentucky I paid off the loan on XX/XX/XXXX. In order to remove a vehicle lien, Kentucky requires Form XXXX to be completed by the lender and returned to the local county clerks office. NMAC refuses to do this. Several phone calls with NMAC has not resolved the situation even though their representatives have assured me each time the appropriate paperwork has been submitted. The last call I requested a copy of the paperwork also be sent to me. This document was received on XX/XX/XXXX and it revealed a simple document titled " Lien Release '' on Nissan letterhead, not the required state form. Another call to their representatives on XX/XX/XXXX revealed they were unaware of the existence of the state form even though I made it clear in previous calls it would have to be submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
We received the " Statement of Mortgage '' and " Informative Return - Mortgage Interest, Form XXXX '' for the XX/XX/XXXX year from FirstBank Puerto Rico ( FDIC XXXX XXXX ). Both documents have multiple errors, including the amount reported to IRS. These documents are fundamental for us in order to file our income tax returns. 

We went to the local office of FirstBank Puerto Rico and were told that in order to solve the issue we should contact their Customer Service by phone. We contacted the FirstBank Puerto Rico Customer Service on XX/XX/XXXX and requested the correction of both documents. We were told that correct versions will be emailed to us by XX/XX/XXXX. Since then no action was taken and we contacted FirstBank Puerto Rico Customer Service again 5 more times. As of today, XX/XX/XXXX, we have not received the corrections yet. This is creating a burden to us since we do not have the correct documents to file our XX/XX/XXXX tax returns on time. 

Since our documents are erroneous, we suspect that the IRS and the local tax authorities are being reported with incorrect amounts from FirstBank Puerto Rico.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
There is a current bill for XXXX XXXX for a visit on XX/XX/2017. XXXX had active insurance through XXXX at this time so I'm unsure as to why I am receiving a bill for these services and furthermore why the bill was added to my credit report as a collection account. I've reached out several times to have this investigated and there is no outcome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/18, I purchased shoes ( new, XXXX XXXX XXXX ) from seller for {$800.00} US. Seller provided pictures of fake/not as described item after the sale. I attempted to cancel and seller refused. Seller shipped me a box with a completely wrong item, heavily worn XXXX basketball shoe wrapped in a towel. 
Paypal dispute opened on my behalf and they said they cant do anything for me because the item i received was what i paid for! How did inpay for this! It doesnt even math the description of what i initially paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: Aargon Agency, Inc.
State: FL

Complaint narrative:
Collection Agency Aargon Agency is not located on my state secretary website that this agency/company is licensed and/or bonded to collect in my home state of Florida. Debt was last reported XX/XX/3018 in the amount of {$180.00}

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation