vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-29 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: TX

Complaint narrative:
We received a credit breach alert XX/XX/2017. After reviewing our credit report found a fraudulent loan from XXXX XXXX. After many hours of research found ID Theft utilizing my information occurred in Pennsylvania. Police report was filed, Pennsylvania District Attorney found fraudulent auto loan document, notified XXXX XXXX, they in turn notified the three reporting agencies XX/XX/2017. 

Upon recent credit report review- and after several notifications to XXXX- the fraudulent loan remains on the XXXX credit report. 

At this point I am unable to review XXXX and Experian- not able to access their website. 

Thanks in advance for any assistance you can provide.

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 2018-08-29 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:
All three credit reporting agency show hard inquiries I didnt apply for and they said they dont care I said its Identity theft and here 's the report they said they wont accept it I have proof from XXXX From them my information was compromised in the data breach they said they dont care. I have a id theft report they refused to use I mailed it to them they opened it then returned it saying the will not except this id theft report and all three credit reporting agencies have been sent these reports before 5 times, and they didnt care and there is more then the hard inquiries I my form that are on report due to id theft. 
And here is the proof of the if theft report you requested again for the 4 time everything on this complaint shows proof of identity you requested

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 2018-08-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I believe the company, Mr. Cooper has been cheating me otfof money. I see there was a $ million judgement against them. My montage went up from {$1500.00} to {$1800.00}, Then after the judgment it is going down to {$1500.00} using a modification I never asked dfor. Were they to do this because of the $ million judgement?.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CO

Complaint narrative:
I submitted an employment certification form to XXXX XXXX  and noticed that the number of qualifying payments was significantly less than the actual amount of payments I made. Some loans showed 9 qualifying payments while others showed 6, even though they were all handled under the same IDR and payments were collected on all loans at the same time through direct debit. When I submitted a request to XXXX on XX/XX/2018, they said they would check on it and let me know within 70-90 days. At the time I believed I had made at least 12 on time, qualifying payments. I was at the same government organization for the entire time and had already submitted an ECF the year before. I am still at that organization. I followed up on XX/XX/2018 after over 90 days and XXXX said it would take even longer. I have kept records and know I have submitted 18 qualifying payments at this point. I followed up with XXXX again on XX/XX/2018 ( 132 days later ) and have not received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 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: CA

Complaint narrative:
I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. 
This company requested that I provide detail proof of my identity theft. I sent this company my dispute, Police report and my identity theft report on XXXX but to my surprise this company have not removed the fraudulent accounts from my credit report within the 4 days as required by law. 
Again these accounts are fraudulently reporting on my report, please delete asap : 1.XXXX  XXXX XXXX # XXXX -This Account is Linked to fraudulent charges, PLEASE DELETE 2.XXXX XXXX XXXX XXXX  AC # XXXX I did not open this account, please remove asap 3. XXXX XXXX XXXX AC # XXXX*****-This account was fraudulently opened, delete asap This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 

Attached herewith 1. My dispute i sent to this company on XXXX 2. My police report 3. my FTC 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 2018-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In approximately XX/XX/2017, the last of many regular/on time payments to my Best Buy credit card resulted in a credit of {$41.00} and change. ( all payments were more than the minimum to reduce the interest ). 
Consequently I received in the mail a refund for the {$41.00} & change, which I deposited to my checking acct. What I did not know, was that Best Buy also mistakenly electronically deposited the same amount to my checking acct. ( considering how unscrupulous Best Buy is handling this situation, one has at least consider the possibility their actions are intentional to extract a Black mail payoff ) After several threatening Robo calls, I called Best Buy to inquire how I could be charged late fees and interest on an account that was paid in full, and resulted in Best Buy issuing a refund check. Even the Best Buy people I spoke with didn't know why, until their investigation revealed their mistake. ( Because I had already seen a physical check, I never thought to be watching my checking acct. for another ( erroneous ) deposit. ) As soon as I learned of their mistake I returned the {$41.00} & change. 
Despite Best Buy acknowledging their mistake, they insist on charging late fees and interest for the {$41.00} & change for the 2 months that NO ONE knew of their mistake. They continued to increase their penalties up to a total of {$430.00}! 
After I disputed these dishonest penalties they charged off {$310.00} and continue to report that amount as Past Due. 
My next step will be to sue Best Buy!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29 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: PA

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX ACCEPT XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 5. XXXX ( reported twice on same date ) XX/XX/XXXX, XX/XX/XXXX 6.  XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX   XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10.  XXXX XXXX XXXX CO XX/XX/XXXX 11.  XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17.  XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, PA 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 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I'm literally up in knees exhausted with TD Bank. I had an overdraft and I quickly put the money in there so I won't get charged a fee. Two days later I get charged an overdraft fee. Apparently, there is no grace period which wasn't what I was told when I opened an account. Actually this never happened before as well so this is the first time I have been charged still even after the fact that I put funds to bring it to a positive balance. Also the fact I got charged XXXX it made my account negative which will result in another XXXX charge. I'm seriously consider closing my account and taking my services somewhere else. This is unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29 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: PA

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 5. XXXX ( reported twice on same date ) XX/XX/XXXX, XX/XX/XXXX 6.  XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX   XX/XX/XXXX 9. XXXX XXXX  XX/XX/XXXX 10.  XXXX XXXX XXXX CO XX/XX/XXXX 11.  XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16.  XXXX XXXX XX/XX/XXXX 17.  XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, PA 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 2018-08-29 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: PA

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX ( reported twice on same date ) XX/XX/XXXX, XX/XX/XXXX 6.  XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX   XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10.  XXXX XXXX XXXX CO XX/XX/XXXX 11.  XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16.  XXXX XXXX XX/XX/XXXX 17.  XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
i opened a tjx rewards card which is handled through XXXX XXXX. on the date of purchase i was given a pass to make my purchase. unbeknownst to me when synchrony opened my account they created an original account with the number on my pass and then another account which they created for the card. why???? so without my knowledge i now have two accounts with this bank. when i went to make a payment for that solo purchase on the first account the charge was on the second account so i ended up with a credit on the first account and a {$26.00} overdraft fee ( for a {$25.00} balance ) on the second account. i filled out paperwork and had one transaction with this company. how did i end up with two accounts??? now synchrony is researching this and telling me it will take 30 days until they can process this and close both the accounts. sounds like a long time to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo texted me and advised my credit card had been compromised. They canceled my existing card and issued a new one. For four straight weeks they sent me a new credit card which then had to be canceled. At the end of this cycle on XX/XX/2018, {$20000.00} was removed from my checking account by XXXX XXXX XXXX  -- without authorization. Wells Fargo advised the two incidences were unrelated. In four days the funds were returned. When I asked for an explanation of the missing funds i.e. was this a theft or a mistake, I was told, " We don't know. '' When asked if they would/could find out, they replied no, " Wells Fargo will not pay to subpoena XXXX XXXX XXXX records. '' They persisted in this non-response and said I should subpoena the records myself. I contacted the CEO 's office which complied with the branch 's non-cooperation and indicated they would not contact law enforcement. When I asked if someone stole {$20000.00} from the bank at the point of a gun would they then contact law enforcement, they replied, " Yes but that is a different situation. '' It hardly seems unreasonable to me to get an explanation for a {$20000.00} theft/mistake but Wells Fargo is resolute in their unresponsiveness. This may be an industry standard and, if it is, it seems to profit Wells Fargo and XXXX XXXX XXXX  to the disadvantage of the customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
XX/XX/XXXX : I called XXXX XXXX customer service due to not being able to complete my IBR renewal online following submitting for a name change. The online system had not updated my last name from marriage and their online system reflected that I did not have any student loans to renew. I spoke with customer service about my concern submitting this renewal prior to my due date. The customer service representative told me that I could submit my photo ID to the upload box online and that if my IBR was a little late while the name change was processed that this would not be an issue. I uploaded the required documents on XX/XX/XXXX following my phone call. 

XX/XX/XXXX : Called XXXX XXXX with concern that name change was still not reflected and I could not complete IBR renewal as my account was still not reflecting having any loans in my name. Customer service agent told me that the name change request was never submitted and she then said the best I can do is mail you a paper copy for your IBR renewal. It will take 7-10 business days. I requested it be sent out and reiterated my concern of completing on time. 

XX/XX/XXXX : received copy of IBR renewal. Submitted online on XX/XX/XXXX. 

XX/XX/XXXX : called and spoke with customer service following notification of upcoming payment due on XX/XX/XXXX in the amount of {$700.00}. Customer service representative, XXXX told me that my IBR request was approved but not until XX/XX/XXXX. I relayed concern with previous calls and asked for this to be changed. XXXX reported that she could put in a request to review my account but that a name change isnt a good excuse when the renewal is available online. I asked XXXX to please review the information listed about my previous calls. XXXX told me that the review would take 7-10 business days to review. I responded that this would take me to the due date of my XXXX payment and asked her to expedite the request. XXXX advised me to suspend my payment or apply for forebearence. XXXX stated that she would try to expedite the review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX, Colorado On or XX/XX/XXXX-XX/XX/2018, I made a payment transaction using my ATM card to my XXXX XXXX XXXX XXXX credit card, Two payments were made of  {$4000.00} and {$4500.00}. The next day i look at my chase account i found out there's two large fees transaction chase had charge me, {$120.00} and {$130.00}, these transaction was considering a Cash advance transaction according to Chase bank even thou its not, i have not receive any money nor a check from this transaction and not aware about the fees involve. I've communicated with this matter on both parties chase and credit union, The chase bank refuse to cancel transaction and i ask to dispute the transaction for incorrect transaction but the dispute department would not do it. At first when i reach out with the chase bank support they told me its not a chase fees, the next day i called them again chase admit its a chase fees. The XXXX XXXX XXXX willing to work with me, i even spoken with XXXX XXXX XXXX XXXX branch manager he advice me, the only way you can get the fees granted back to your account if you can get chase cancel or dispute or work with them to refund those fees. Today XX/XX/18 i have called and escalated the issue with chase support but the same result, been point to a different person and made a series of explanation afterwards no result and promise to get a call back from chase manager, till now did not receive a call back

Company response to consumer: Closed with monetary relief