vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Dear Sir, Citizens has been creating troubles for me by not printing/mentioning complete legal name in the statements, which is violation of state and federal law. I have communicated to them multiple times and also send my identification details to citizens bank multiple times. How did citizens bank not following federal guide lines and not mentioning complete 'legal name ' and also " unnecessary spaces in the middle and last name '', which is unlawful and fraud. Is citizens bank going to be accountable and responsible at Home Land security, Immigration fraud department and USCIS if anyone submits these statements ( incomplete name and and not mentioning complete legal name ) and obtain any immigration and US government benefits. Is citizens bank going to be accountable and responsible for any kind of damages and serious consequences to me by mentioning in complete name, unnecessary spaces in the middle and last name and also not mentioned complete legal name in the account statement under account number. 
Its a serious crime as citizens bank not mentioning complete legal name ( truncated last name and unnecessary spaces in the middle and last name ). 
Could CFPB kindly direct Citizens Bank to mention/print my complete legal name along with account number in the bank statements, online account and all the bank records as per the SSN, VISA and Lawful USCIS work permit records.

Could CFPB kindly direct Citizens Bank to mention/print the right first name, middle name and last name as per my legal documents and there should not be any unnecessary spaces and truncated names, which is causing troubles and damages to me. I am also informing to USCIS and Immigration fraud department that 'please do not accept citizens statements, which have been manipulated and truncated my legal name and considerable amount of mistakes, which cause injustice, dame and fraud to me if anyone submits these online statements and misrepresents me. 
There are very strict guide lines, there should not be any mistakes and violation of federal and state law when it comes to 'complete legal name ' in the bank records and financial transactions. I am also going to file the police complaint and also copy to Michigan XXXX 's office and Federal officer. I have attached first page and highlighted the incorrect information, unnecessary spaces ( middle and last names ), truncated last name under account number. My complete legal name with first, middle and last name must be printed/mentioned in the bank records, statements and all the records of Citizens Bank. 
Could CFPB direct my complaint to federal officer and also publish the article on Citizens bank fraud, which really cause damage to account holders and Immigration/US government with unlawful statements and considerable of mistakes in the statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: WA

Complaint narrative:
XX/XX/2019 received text and e-mail messages that Debit cards had been ordered on my accounts with US Bank. When I called US Bank I discovered that a male person ( I am female ) posed as me and called the 24 hour banking line to order these cards. He knew personal information such as my name, e-mail address, and mailing address, as well as my debit card number and pin. I had the card in my possession at the time. On XX/XX/2019 this person used my debit card number on the USPS mailing address change website to change my address in Washington to an address in Florida ( I do have the data for that address as well ). My bank account was charged the {$1.00} fee, which they have refunded. I spoke with USPS, but was not able to stop my mail from being forwarded to Florida. They can not confirm what or if any mail with my name was actually delivered. They are holding my mail and are supposed to be sending it back to my address in WA. I cancelled my debit card in person at the bank and ordered a new one,  which I did receive. The bank kept my old card. This person also attempted to change the e-mail and mailing address on my bank account, he was not successful.

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 2019-01-28 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: SC

Complaint narrative:
I had two different collections agencies reporting on my credit report at the same time. The 2 collection agencies were XXXX XXXX XXXX and XXXX XXXX XXXX. Both claimed they were contracted by XXXX XXXX. I have never had service with XXXX XXXX. I contacted XXXX who in turned advised me to submit a dispute especially since both collections agencies reported they were collecting from XXXX. I filed a dispute with XXXX  regarding XXXX XXXX XXXX and XXXX XXXX XXXX and they both were removed. Equifax  removed XXXX but not XXXX XXXX XXXX. I sent a certified letter to XXXX XXXX XXXX asking for verification and they sent me back a billing statement with my name and a XXXX XXXX as the address. This account is fraudulent and XXXX XXXX XXXX lack the burden of proof for it to remain reporting. I asked for ownership paperwork or an original contract which has yet to be sent to me. Equifax  is the only. bureau reporting this bogus collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FACTUAL DATA CORP.
State: FL

Complaint narrative:
suppressively, In my credit score from XXXX  XXXX  appear that on XX/XX/2019 a company named Factual Data checked out my credit score. I do not what is that company and why they checked out my score. Now, this act brought me problems in my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Applied Business Services, Inc.
State: KS

Complaint narrative:
I never received a statement and by law they are not suppose to charge me interest or late fee if O had not received the bill .and the refuse to take it off and its a federal law they have to remove all fees .They have charged XXXX in fees and reported me late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: AZ

Complaint narrative:
ACH Debit XX/XX/19 an attempt was made to withdraw {$7900.00}. My account did not have overdraft protection but my bank withdrew {$4800.00} and left me with a negative balance of - {$3000.00}. I was sent a email notification that my account was {$0.00} and checked online to see the amounts stated above. I called my banks online banking and had a ref # assigned to the incident. And a stop pay issued. My bank listed in the transaction as processing. I told my bank do not pay the money, their response was they could not guarantee it because it was a computerized process. I then went to my banks local office and saw a personal banker. They stated they could not do anything more then had been done. I had not preauthorized or authorized the ACH Transfer Debit. My bank stated anyone can initiate an ACH Debit if they have my name address, routing and account number, and falsified to their bank the appropriate online documents. I called the bank making the ACH Debit and they stated it can only be done by one of their account holders if the account holder was paying off a loan, credit of debit card debt. On XX/XX/19 my online account information and balance was back to normal like nothing happened. I write checks to pay my bills and make other purchases. The banks are acting like it's my fault and their fraud divisions are acting properly.

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 2019-01-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
The complaint is about Wells Fargo home mortgage added a repossession of an automobile to my mortgage balance. That the balance of the repossession was added to my mortgage balance. This happened last year and I wasnt notified. The company is Wells Fargo. Myself and Wells Fargo. I would like to know if I have a class action lawsuit against with Wells Fargo and if I can have my mortgage removed from Wells Fargo without refinancing it. My mortgage is a VA loan.

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 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I contact one of my credit card ( XXXX/XXXX  XXXX ) to request a credit line increase. I was informed there was a freeze on my equifax account. As I had previously created a on-line account I attempted to log into my online account. System alerted me to change password which I did and received a confirmation it was changed. Their site still denied my access so I called customer support on XX/XX/XXXX. I was informed their system was " down '' and to try again. I tried and still could not access my account. On XX/XX/XXXX I attempted to log in/change password and received message to call customer service. I called and spoke to a " XXXX '' who informed me my account wasn't completely set up/was placed on hold then sent a email to which was suppose to have a temp. password to reset my last used password. No temporary code was sent/verification of last 4 of my Social Security and date of birth was asked/answer and received a confirmation that the password was successfully changed. I attempted to log in and received the same error message, call customer service which I did. I spoke to the same " XXXX '' who alerted me there were " technical issues '' with my account and to wait 5 - 7 days and try again. I feel I am getting the run-around with equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
I was contacted by a company referring to themselves as commonwealth associates. The person I talked first to said he was lawyer and didnt give me his name. He had all of my personal information SNN, addresses, and email. They informed that I was being sued due to a debt that went unpaid for a private student loan. I asked for information but was greeted with rudeness and threats for arrest and court summons then he hung up on me after refusal to pay on the phone. I called back to try and working things out. I asked them for verification of debt, but was met with refusal. I told them I wasnt paying anything until I got verficiation. They sent me a so called stipulation via email without telling me what it was. The original debtor was XXXX XXXX which is an online college I attended. The last person I talked went by the name XXXX XXXX, and he informed that they were looking into garnishing my wages or taking my tax or they would send a court summons. I cut him off before he started asking me questions. I told him he wasnt getting any personal information from me. He said Ill take that as you want me to send out the court summons then and hung up. I reached out to XXXX to confirm the debt, and was told by one of their representatives that there was no private loan debt of {$3700.00}. I also asked if I had anything sent to collection and she said no other the {$2700.00} that I already paid in full. I then reached out to XXXX XXXX XXXX which was the original company that XXXX has sent the debt to. The representative there stated that I paid in full. I told her about the situation. She said that its a scam and she will file a report with her company. Commonwealth Associates also contact my parents and gave it my SSN to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I ordered a XXXX XXXX XXXX XXXX treadmill from XXXX XXXX. The charges included delivery and assembly. I financed the transaction with TD Bank, XXXX XXXX XXXX. 

The assemblers destroyed the treadmill. It is non-working with broken pieces and loose pieces, which I found in various areas of the room after the assemblers left. I reported the issue to XXXX XXXX returns department. They said they would have it picked up but I have heard nothing since. When I call back to check the status of pick up, they can't give me an ETA and tell me to keep waiting. The average hold time to reach the merchant is 2 hours, so it is very difficult to call everyday. I have however spoken to them 4 times in XXXX. 

In the meantime, I received a statement from TD Bank, XXXX XXXX XXXX with a payment due. I tried to make a dispute for these charges since the merchandise is broken, damaged and non-working. The phone number to make a dispute refers me to a website. The website does not have an option to dispute. I called customer service for this credit account, who advised me that I must make payments. 

The merchandise is damaged. The merchant will not pick it up. The merchant will not communicate on a pick up date and TD Bank/ XXXX XXXX XXXX says I must make payments on this non-working, damaged item.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-28 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: TX

Complaint narrative:
I have already reached out once my 2ND ATTEMPT - Equifax about the following accounts : 1. XXXX XXXX XXXX - {$450.00}. These accounts do not belong to me. 

2.XXXX XXXX XXXX {$12000.00} account does not belong to me. 

Received notification that these accounts were verified but I have not received any VALIDATION SHOWING THAT THESE ACCOUNTS BELONG TO ME- - According to the : Fair Debt Collection Practices Act -Section 809. Validation of debts : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account ( s ) listed above. Under the FCRA, unverified, invalid accounts must be removed. 

Equifax reporting Unverified documentation!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The credit agencies are saying that I owe a debt inwhich I do not owe and I have proof from the courts. So by the credit agencies coming back saying verified, I'm requesting the Method Of Verification, who verified what and when.

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 2019-01-28 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
account : XXXX XXXX XXXX XXXX with XXXX XXXX. 

The company posted to my credit report a late payment. I have never been late before, I payed in advanced. I spoke to XXXX and was told the issue had been taken care of. I filed a complaint with the credit bureau and XXXX continues to reject my correction request ... 

The account has since been payed off and there is a XXXX  balance. My only issue is that they will not correct the error, and I have a late payment showing in my credit report.. Please help.

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 2019-01-28 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: TN

Complaint narrative:
I went to a first time home program seminar and they told me that I couldnt sign up because of my credit. I got a copy from the annual report and there are alot of items on my credit that is not mine. Please remove so I can co sign for my son a car. N/A ( Acct # XXXX XXXX  ), XXXX XXXX.XXXX  XXXX/XXXX-XXXX, XXXX, XXXX, XXXX XXXX XXXX. I also saw where my credit was ran several times and I went through it and these inquiries are not mine. I dont run my credit like that : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX.XXXX XXXX XXXX/XXXX.XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.XXXX  XXXX XXXX XXXX XXXX.XXXX. I have contacted the police and the people at FTC. I'm doing this on my own and need help.

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 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The credit agencies are saying that I owe a debt inwhich I do not owe and I have proof from the courts. So by the credit agencies coming back saying verified, I'm requesting the Method Of Verification, who verified what and when.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The credit agencies are saying that I owe a debt inwhich I do not owe and I have proof from the courts. So by the credit agencies coming back saying verified, I'm requesting the Method Of Verification, who verified what and when.

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 2019-01-28 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: TN

Complaint narrative:
I went to a first time home program seminar and they told me that I couldnt sign up because of my credit. I got a copy from the annual report and there are alot of items on my credit that is not mine. Please remove so I can co sign for my son a car. N/A ( Acct # XXXX XXXX ), XXXX XXXX.XXXX  XXXX/XXXX-XXXX, XXXX, XXXX, XXXX XXXX XXXX. I also saw where my credit was ran several times and I went through it and these inquiries are not mine. I dont run my credit like that : XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.XXXX XXXX XXXX XXXX XXXX/XXXX.XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.XXXX  XXXX XXXX XXXX   XXXX.XXXX. I have contacted the police and the people at FTC. I'm doing this on my own and need help.

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 2019-01-28 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: TN

Complaint narrative:
I went to a first time home program seminar and they told me that I couldnt sign up because of my credit. I got a copy from the annual report and there are alot of items on my credit that is not mine. Please remove so I can co sign for my son a car. XXXX ( Acct # XXXX  Equifax ), XXXX XXXX XXXX/XXXX, XXXX, XXXX, XXXX XXXX XXXX. I also saw  where my credit was ran several times and I went through it and these inquiries are not mine. I dont run my credit like that : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX  XXXX XXXX XXXX   XXXX XXXX.XXXX  XXXX, XXXX XXXX XXXX.XXXX XXXX XXXX.XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX XXXX.XXXX. I have contacted the police and the people at FTC. I'm doing this on my own and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: MO

Complaint narrative:
I have disputed the following accounts month after month and the 3 major bureaus investigation concluded that accounts has been verified. Verified by who, when, where. And where is the physical documentation of these findings. I'm requesting the Method Of Verification as my right via FCRA. The following accounts are ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, {$760.00}, ( 3 ) XXXX XXXX, {$150.00}, ( 4 ) XXXX XXXX, {$56.00}, ( 5 ) XXXX XXXX XXXX, {$510.00}, ( 6 )  XXXX XXXX XXXX, {$32.00}, ( 7 ) XXXX XXXX XXXX, {$53.00}, ( 8 ) XXXX XXXX XXXX, {$29.00}

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