vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2018 I sent certified notarized letter via USPS to Experian ( Tracking # XXXX XXXX XXXX XXXX XXXX ). The letter demands Experian to provide me with Verifiable Proof ( an original Consumer Contract with my Signature on it ) Experian has on file of the accounts listed below. 

XXXX XXXX Acct # : XXXX XXXX XXXX Acct # : XXXX Experian has failed to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

This and any future certified correspondences sent to Experian will be used in court to recover monetary award for damages to my personal credit file

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 2018-11-30 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: AES/PHEAA
State: NY

Complaint narrative:
On XX/XX/XXXX, I received my first notice from XXXX XXXX XXXX to recertify my income for an IBR payment, and it stated that I had until XX/XX/XXXX to recertify or my payment would change to a Standard payment amount of {$2000.00} on XX/XX/XXXX. I recertified on XX/XX/XXXX, and I was approved on XX/XX/XXXX for a payment amount of {$290.00} monthly to start on XX/XX/XXXX. In the process, my next bill for a payment due on XX/XX/XXXX stated that I owed {$2000.00}, significantly higher than the amount I had been paying. 

I contacted XXXX XXXX XXXX on XX/XX/XXXX, and after explaining the situation to an agent, I was advised that they did see the error and would correct it within three days so I could make my XXXX payment and still be eligible for PSLF with that payment as it should not have gone up. By XX/XX/XXXX, it still had not changed, so I called again, and I was informed that it could take 7-10 days, however it should be fixed by XX/XX/XXXX as that would be when I needed to make my payment. On XX/XX/XXXX, it still had not changed, and I called back. I was initially advised that I submitted my recertification late, thus the reason for the change, however I referred the agent to the letter sent on XX/XX/XXXX, and she advised me that I could not make my XXXX payment at this time as she was putting an Administrative Override on that payment since the amount was incorrect in the system. She advised me, however, that it would show up as past due for 30 to 60 days as it would take that long to fix. I am very concerned about this as this may then impact my credit report and show that I am not paying my lender on time given the long time it takes to process, especially when this error was not my fault. I have always recertified on time and made payments on time, so this is very troubling. I am also concerned that I continue to receive different information, and I no longer trust that this may be handled properly. 

Also, for reference, I was with XXXX up until XX/XX/XXXX, and they originally approved a 12 month IBR for XX/XX/XXXX to XX/XX/XXXX. When I recertified with XXXX XXXX XXXX in XX/XX/XXXX, they started my new payment amount immediately ( as of XX/XX/XXXX ), though it should have started on XX/XX/XXXX. It appears that the error started there, and as such, I am now being penalized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30 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: FL

Complaint narrative:
I have a 30 day late payment.The payment was setup to auto payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a 30 day late payment.The payment was setup to auto payment.

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 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: FL

Complaint narrative:
Back in 2013 my now ex-husband and I lived in an apartment, at which point we filed for a divorce. I had spoken with the rental agent about the remaining amount owed and she assured me that I was not responsible that my ex-husband agreed and put in writing that he would be solely responsible for paying the debt. I thought this was resolved but then at some point I noticed they placed it on my credit report. They never at any time reached out to me or sent notification that I owed this debt again prior to this I was told I did not owe them and not to worry about it. Once I realized this was reflected on my credit report I did contact them and they told me I would need to pay half. I was never informed until it was too late that anything was my responsibility with this debt. I don't think it's fair that they can tell me one thing and then do something else. At no point was I working and I should have only be listed as though I was a dependent since I did not bring income into the house at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Victim of a phishing attack that reached me through one of my XXXX   XXXX. Following the direction on an offer of being appointed as an XXXX for a XXXX XXXX company, I withdrew cash for 2 Cashier 's Checks received from the fraudulent party of {$2900.00} each XXXX Total {$5800.00} ) and purchased gift cards for {$5100.00}. Since the bank was able to pay for the Cashier 's Check, it did not occur to me to question the validity of the Cashier 's Checks and assumed those were legitimate transactions. I emailed the scanned copies of the gift cards to the fraudulent party. 

After few days, the bank email alerts me with a negative balance in my checking account for the return of the Cashier 's Checks with notation 'ALTER/FICT '. I visited the bank and explained them the situation and questioned why did they gave me the cash if those were fictitious cashier 's checks. This fraud was avoidable if the bank would have taken the correct step in time. I requested for bank 's insurance to cover this loss which was in part aided by the lapse of verification steps while disbursing money against cashiers ' check. The bank did not consider my request and they asked me to deposit money into the account to avoid further penalties and adverse reporting to credit rating agencies due to the negative balance. 

Generally cashier 's check is issued by bank to a legitimate party only after receiving an equivalent cash amount. Hence it should be within the procedure of the bank to validate the legitimacy of the cashier 's check before disbursing money against that. This understanding of the process caught me off guard and exposed me to this loss. That lapse on the part of the bank has an indirect role to play in my loss. 

Additional Detail : Contact details of the fraudulent party : Email : XXXX Phone Number : XXXX XXXX XXXX XXXX Bank that disbursed the cash to me against Cashiers ' Checks : Wells Fargo Bank XXXX XXXX XXXX XXXX, XXXX NC XXXX Phone Number : XXXX XXXX XXXX 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 2018-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a 30 day late payment report on XXXX XXXX setup and automatic payment and they make a mistake and never charge my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
I downloaded the XXXX XXXX XXXX. ( XXXX XXXX XXXX - Company name ). I provided all the information DL, and tied linking a savings account to the app to trade and buy stocks. They tried to take out XXXX out of mt savings, so i stopped the transfer. Since then i have not had my bank linked to the app. I notice that i transferred XXXX dollars from XXXX to XXXX in the beginning. Making no transactions, not buying or trading stocks. My money is no longer at XXXX. I try once again to link my savings account, They will not take anything i give them showing I am the owner of the savings account. I do not get statments in the mail, no on email for a savings account, checking, yes, but not savings. I was not going to give them my account information on my checking account. So instead of accepting the information and many emails about my savings account, they suspend the account. Then they close the account, and say that I authorized a transfer to my savings account for only roughly 80 $ I demanded to know where the rest of my money was, and they give me a " statement '' of my supposed transactions. Only since XXXX. I am missing roughly {$160.00} dollars. Not to mention this is very shady how they can do all of this to peoples account for a savings account that i could not use to make stock purchases or get activated, yet They transferred the money to it? Extremely bad business!! All i wanted to do was get every detail of where my money went, but first all i wanted was to just have the account able to buy and sell stocks. They have cost me a lot. I had others wanting to buy in with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: SUNTRUST BANKS, INC.
State: ME

Complaint narrative:
My name is XXXX XXXX and I can be reached at XXXX. My email address is XXXX. I am doing business with a real estate broker named XXXX XXXX of XXXX XXXX XXXX. XXXX  is representing SunTrust, a bank selling foreclosed properties. The subject property is XXXX XXXX XXXX, XXXX, ME. Two months ago I signed a contract to purchase the property for {$72000.00} which is approximately {$30000.00} over the asking price. To date we have not received a signed contract, and on XX/XX/2018 we signed a second contract at The request off SunTrust. XXXX XXXX is very cooperative and she is available at XXXX, or by email XXXX. 

Note : My title company a.k.a. XXXX XXXX in XXXX, ME, and my funding source, a self-directed IRA managed by XXXX XXXX XXXX are both prepared to fund and close the transaction. They are also very frustrated with the seller. 

SunTrust mortgage, XXXX XXXX XXXX, XXXX, VA XXXX On the contract they reference a loan number XXXX. 

XXXX XXXX believes they are servicing this matter from an office in Colorado.

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 2018-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/18 I have been traveling via RV from state to state ( TX-MD, DE and then back South to Fla. ) I have used my Capital 1 CC in the past with never a problem. Yesterday XX/XX/18 while getting fuel for the RV ... the purchase was " declined ''. I had just purchased a sandwich using my CC but the gas had to be purchased at another register. When I did so, it was declined! Not only was I ashamed but I was furious! I have been a loyal Capital One customer for several years and did not deserve this blatant act of disrespect! It is documented on their website that Credit cards are covered during travels because of the chip. I responded to their text to verify my use but apparently that was not effective. I called 4 times trying to get my card unlocked but the customer reps. kept transferring me to others that couldn't help me either so they would in turn, transfer me again. I am disgusted with Cap One 's customer service which is " POOR '' to say the least! I '' WILL NO LONGER '' be using my Capital One card for future transactions but they should already know that since they put a restricted purchase use on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: FL

Complaint narrative:
I have a 30 day late payment report on XXXX XXXX setup and automatic payment and they make a mistake and never charge 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 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a 30 day late payment report on XXXX XXXX.I setup and automatic payment and they make a mistake and never charge my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a 30 day late payment report on XXXX XXXX.I setup and automatic payment and they make a mistake and never charge 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 2018-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am growing tired of receiving late notices and interest charges regarding fees assessed from Capital One Banks illegal handling of accepting charges against our company account. Attachments A through E display my case and I will outline each : Attachment A shows our account for XXXX XXXX ( # XXXX ) dated XX/XX/2018  to XX/XX/2018 for fraudulent charges to his credit card from a XXXX XXXX. Attachment C is a letter from Capital One ( dated XX/XX/2018 ) that shows the resolution of these fraudulent charges, the deactivation of card ending with # XXXX and the refund owed to our account. 

Attachment B shows our account for XXXX XXXX ( # XXXX ) dated XX/XX/2018 to XX/XX/2018 and clearly demonstrates the card for XXXX XXXX was changed. I will add that, via telephone, I requested XXXX XXXX card should have not been renewed but cancelled under his name since he was no longer in management with our company. Also during that call, I requested to close our entire account ( cards # XXXX and # XXXX XXXX since you will note that NO charges were made on any card since XX/XX/XXXX. 

You will also note on attachment B, his old card number and the last fraudulent charge to that cancelled card. Attachment D letter confirms resolution to the fraud. 

Attachment E clearly displays the error of Capital One by allowing annual charges against XXXX XXXX account even though the three charges, dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were against card # XXXX since we DID NOT notify XXXX or XXXX of his replacement card. In fact, we wanted to cancel these charges since these accounts no longer applied to his responsibility or use. 

I have attached all documentation and my letter of XX/XX/2018 to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
Dynamic Recovery Solutions is 1 of 4 other companies trying to collect a debt not owed, It isn't mine and I have requested documentation from them and still haven't received anything from original collector from Dynamic with my ID or signature. I have sent the Letter showing XXXX balance owed to XXXX sent to XXXX XXXX which is one of the other companies trying to collect this debt. I do not owe anything and the original collect has  closed and placed a XXXX balance to the account. I want this closed from Dynamic and their partner XXXX XXXX XXXX XXXX XXXX. XXXX was the original collector and I have attched a XXXX  balance letter from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30 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: GA

Complaint narrative:
I submitted disputes to Experian in reference to fraudulent accounts on my credit file and incorrect address on my credit file.This has been an ongoing process to clear my name and credit file of the incorrect and fraudulent information and accounts. All I ever receive is that my dispute has been completed but the fraudulent and incorrect information remains. I have submitted numerous disputes, identity theft forms and police report. This has been going on for over a year now and I am beyond exhausted. There is an incorrect address appearing of XXXX XXXX XXXX XXXX, XXXX, GA XXXX that need s to be deleted. There are also several accounts that I have requested be blocked and deleted that were opened fraudulently. They are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX 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 2018-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: First Data Corporation
State: NY

Complaint narrative:
First Data ( FDR ) Potential Fraud Our Company XXXX, ran a Company Visa Card from our customer XXXX XXXX for training and consulting services which have already began. The XXXX XXXX Visa Card was run on XXXX XXXX XXXX XXXX at XXXX, and was successfully batched for {$9900.00} and sent the Credit Card Processor First Data- ( FDR ) the proper information to fund the XXXX XXXX Account XXXX 
I have been in contact with XXXX since I need the funds to make pay roll. 
I have called FDR Risk Management over 15 times and sent emails with the information they required. I have only received 1 call back after I tried to contact the First Data CEO ( XXXX XXXX ) from an XXXX in Risk Management ( XXXX ) and she wanted me to send numerous documents and even XXXX Bank Statements. I complied with her request have left 5 messages and still have no response and no resolution. 

XXXX said the First Data " holds funds '' in case there maybe a charge back from the customer. I said you hit my customers Visa Card on XX/XX/XXXX so where are the funds? I asked her how many others are they " holding '' processed funds, I said it could be millions of dollars and she did not respond. 
The XXXX Merchant Account is 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 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On or around XX/XX/18 my identity was stolen and the criminal was using my name and information to try an open accounts online. While trying to open these accounts multiple hard inquiries were placed on my credit score with multiple credit reporting agencies. Of the three reporting agencies, Equifax, has been the only agency which refuses to remove the fraudulent hard inquiries. I have had to file a previous complaint with the cfpb regarding Equifax not removing a fraudulent hard inquires after multiple attempts contacting them. Equifax, in that case, and in this case, refuse to acknowledge they have received appropriate documentation from the company which requested the inquiry, even though the company had sent multiple requests Equifax to remove the inquiries. My previous complaint ref # XXXX-XXXX. 

I am having the same issue with getting Equifax to remove the fraudulent inquiry that was placed on XX/XX/18 by XXXX. XXXX has sent multiple requests to Equifax to have this inquiry removed, Equifax claims they have not received any documentation. After multiple phone calls back and forth between Equifax, who claims they didn't receive anything, and XXXX, who claims they have sent documentation 3 times, I called Equifax to voice my concern, the representative requested that I send a fax into Equifax with my police report and a letter indicating the situation, the fax was sent on XX/XX/2018. 

It has been over 90 days and I still have no resolution. I personal feel Equifax is the company dropping the ball, as they were the reason for previous inquiries not being reomved.

Company response to consumer: Closed with explanation