vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-12 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Citizen Bank - XX/XX/18 Fraudulent loan attempt. 

Contacted company informed to contact XXXX, XXXX, XXXX Loan request was not submitted by me. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: AL

Complaint narrative:
I have a debt collector on my credit report representing XXXX XXXX. I have not ever seen this account and have been disputing this charge for over 5 years. When I did call to find out what the issue is I was transferred many times and then told I would have to wait for something to be mailed to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: FL

Complaint narrative:
I sent for credit report from all 3 major credit bureaus after receiving a notice from my auto insurance about my payment going up due to my credit report. I haven't purchased anything or applied for credit in years. Upon receipt of my credit reports I discovered that someone else has been obtaining credit cards, vehichles and apartments using my name. However on my credit reports, it listed more than one social security number which indeed wasn't mine, SEVERAL addresses in which not only have I never lived at, but also have never even been to, jobs that not only have I never worked at but also never heard of, my date of birth wrong and former names wrong. I have disputed open and closed accounts that were written off due to non payment to the credit bureaus as well as NUMEROUS inquiries for credit that I have NOT done nor even heard of most of them! I have filed police reports, been to my bank, went to my insurance agent, called some of the actual creditors, contacted Federal Trade Commission, contacted the National Consumer Reporting Agency who called me and told me to contact the Consumer Financial Protection Bureau, I still have to contact the Florida Division of Drivers License to put a flag on my drivers license. This whole ordeal has not only been stressful but time consuming with SEVERAL hours on the phone to creditors, banks, credit bureaus, etc. and emails, letters, and certified mail which is also costly. I just want to make sure I cover all of the bases in which I have been requested to do. I do believe by going through all of the proper channels and being diligent in getting this resolved and with my faith and trust in XXXX XXXX that this whole NIGHTMARE will be resolved. Any help or any assistance that your company or organization can offer will be greatly appreciated! I DO NOT have a bunch of credit cards I have not paid, I HAVE NOT lived in multiple places, I have lived at my current residence now for 17 YEARS!!! In that time, I have worked at one establisment which is no longer in business and I now am self employed and work from my home! In 17 years, I have applied for 2 vehichle loans and the last one was in 2007. I am not late on any of my current bills and haven't been in 17 years! I have 1 HOME and am making mortgage payments on it and I have 1 HUSBAND and is the only spouse that should be on my reports!!! I have 1 SOCIAL SECURITY number and in my name now and it hasn't changed for 17 years!!!! I just want all of my CORRECT information on my credit reports and for all of the other to be REMOVED!!! Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I would like to investigate my account Wells Fargo. Account number : XXXX. On XX/XX/XXXX, I got a court letter mentioned that I still had outstanding balance with total amount {$11000.00}. On that date, Wells Fargo illegally withdraw my money from my account without going to the court system. I am so depressed now because I need to have this money to take care of my family. Please I want to get my money back. Thank you.

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 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have a debt collector on my credit report representing Capital One. I have not ever seen this account and have been disputing this charge for over 5 years. When I did call to find out what the issue is I was transferred many times and then told I would have to wait for something to be mailed to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
I have a mortgage with US bank and I was under the impression that it was federal law that they have to remove the mortgage insurance when the value of my loan goes below 78 %. 
The value of my loan is less than 78 % and they are telling me in order to remove the mortgage insurance I have to get an appraisal on the house as well as get something from city hall letting stating there are no Liens on the house. 

Why do I have to obtain these things when it is federal law that they remove it when the principal goes below 78 % of the original loan amount. It costs money to get an appraisal done.

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 2018-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Credit Control
State: MA

Complaint narrative:
I had an XXXX at XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX. I thought my insurance had covered everything. I never received a bill from the XXXX location. 

In checking my credit report online in XX/XX/XXXX, I saw an unknown debt to a " Continental Credit Control ''. I called XXXX   to dispute when they informed me that it was related to an XXXX. I called the XXXX location and they told me the debt had been sent to the collection agency Continental Credit Control. I never received any phone call or notice in the mail from the collection agency either that that there was an outstanding amount owed. 

My frustration is that the original bill was only {$190.00}. I have worked hard my entire adult life to have a stellar credit score.  Now at age XXXX, when I am finally close to buying a property for the first time, I learn that my credit score has been negatively affected by a bill I knew nothing about and would have paid promptly had I been aware. 

I find it outrageous that the XXXX location and the debt collector can take all these actions that negatively affect me in such a profound manner without ever confirming that I even knew I owed the money. Shouldn't someone have at least called me? Or sent certified mail?

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 2018-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
In XX/XX/2017, I mailed a check to my credit card company ( XXXX Bank ) on the XXXX of XXXX I was informed they never received payment. I checked my T.D. Bank account and saw the check was deposited. upon further investigation by T.D.Bank they informed me the money was deposited to another T.D costumer account by mobile deposit, and told me to file a police report and they would have their fraud department look into it also. I filed a police report with XXXX XXXX. ( XXXX # XXXX ) and was told by the XXXX XXXX. they would need to get a subpoena to get information from T.D.Bank, Since that time I have yet to get an answer from T.D.Bank as to why my money has yet to be placed into my account. the amount of the check was {$1600.00}, but only {$1600.00} was deposited into XXXX XXXX account # XXXX on XX/XX/2017 at XXXX XXXX, I have contacted T.D. many times along with their fraud dept. and just seem to keep getting the run around, with promises of my money being back into my account soon. I have also been in contact with the Police who now have the name of the person who stole my money but would not release that information to me. they are still investigating also. Since I feel this was a complete error on T.D bank for depositing that money into a personal account when the check was clearly made out to XXXX XXXX ( XXXX XXXX ) they should have immediately returned my funds and go after the criminal who deposited the check into their bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TENET HEALTHCARE CORPORATION
State: MT

Complaint narrative:
This collection agency has reported three different medical bills that the provider XXXX did not submit to insurance and they should have, I have called them, sent in a letter ( which is in the attached ) with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
XX/XX/2018 I received only 1 notice from some type of Law Office name RAUSCH, STURM, ISREAL, ENERSON & HORNIK LLP. regarding payment options on a written off debt from XXXX XXXX XXXX D/B/A. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Texas XXXX. A few Days later without giving me by law ample amount of time to dispute that debt, that I have no knowledge of owing, This law firm filed immediate legal actions against me, and this was before the 1st payment due date XX/XX/2018 .On the legal document the law suit was filed on XXXX XXXX in Justice Court XXXX , County Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX, This seem to me that debt collection Law office used an abusive tactic to the fullest extent, to scare me into paying that money assumed I owed, I am disable, living off a small fixed income, don't foresee me being employed in the near future, I contested that suit, sent to that court my Social Security Award Letter as proof of income, showed a copy of the only letter received via mail from that plaintiff lawyer, I informed the court that the statue of limitation has ended for XXXX XXXX to sue me, I didn't receive any papers showing that company has the right to sue me, Chief of title, original papers I signed, No paper trail showing missed payments / payments made to XXXX XXXX , tried to discuss the matter via phone with 3 of XXXX employees in their debt collection / and customer service dept, was told they no longer had my personal file it was given to a 3rd party agency which is that law firm- I also recently became a victim of identity theft through cyber breach and was notified by mail from one of the 3 major Creditor Bureau , not saying this is/ not my account- they did not Validated their claim regarding this alleged account that causing me to have reservation about this matter, I was also given just 14 days to respond to that courtroom, and on top of that I am still getting payment options letters from that firm -I 'm trying to recover XXXX  after XXXX, the worse storm ever to hit XXXX, no one should ever have to endure abusive tactics from collection agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: TX

Complaint narrative:
Someone used my identy at XXXX and XXXX did a hard inquiry using my social security number. On XX/XX/2018. Please notify XXXX that my identy has been stolen. 
SS # : XXXX. 

Also, an attemp to change address, phone number and email address to set up XXXX to transfer from my XXXX XXXX account was detected by XXXX XXXX fraud detection.

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 2018-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient has steered me to struggling toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans for my private student loans. 

Total Current Balance : {$33000.00} I am past due and can not make payments due too it being to high and unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
Gents,, American Express Credit Card reported to XXXX on XX/XX/2017 that I had two late payments ( see attached credit report ) I spoke to customer service regarding the issue.. The account was always paid in full on or b4 the due date..The LATE PAYMENTS WERE THE RESULT OF {$250.00} IN REWARD POINTS IN WHICH AMERICAN EXPRESS TOOK 60 DAYS TO APPLY TO MY ACCOUNT..I spoke to them and they refused to accept their negligence in apply the appropriate credit ON A TIMELY BASIS..

i CLOSED BOTH ACCOUNTS AT THAT TIME ..AFTER 20 YRS..THEY FAVOR THE MERCHANT AND NOT THE CARD HOLDER..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
On XX/XX/2018 I received an alert through my credit monitoring site. The notice I received was a notice that Diversified adj svr had added an account to my credit report totaling {$670.00}. First of all I have NEVER recieved any type of letters or phone calls from this company. I have no signed contracts with this company and I also researched them and seen they were based in a state that is not the State of Michigan. According to the Fair Debt collection Practices act ( FDCPA ) what they have done is completely ILLEGAL and seeing as I have already talked to my lawyer I am entitled to compensation of {$1000.00} in statutory damages. Because of reasons such as this I have the USPS ( government ) send me electronic versions and screen copies of all mail that is sent to my address for my safe keeping and have legal proof that nothing was ever sent to me, so like I said this company needs to cease and desist all collections regarding this make up debt or I will exercise my consumer rights as high as I can. I want these falsified items deleted from all of my consumer reports NOW.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase - Unable to access funds I opened account Coinbase and thier exchange XXXX  on XX/XX/18 and deposited ~XXXX usd and purchased virtual currency. 

On XX/XX/18 I received a text from Coinbase that my auth has been changed from XXXX XXXX to XXXX XXXX and to reply if I did not initiate the change. I replied and received an email questionairre. 

Today is XX/XX/18 and my account has been locked for 3 weeks. Coinbase will not return my funds or unlock the account. They continue to say they are looking into the matter.

I have contacted coinbase a number of times and they will not resolve or even give an ETA. 

Careful using this service. As soon as my funds are back I will never use again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX of 2010 I deferred one of my monthly auto loan payments with Wells Fargo Dealer Services. The paperwork got mixed up. I made SEVERAL attempts, by phone and by letters, to resolve the situation. No resolution was concluded. 

Now, the auto loan is paid off, except for the erroneous late payments. I have not receive the title to my auto, and have no idea how at this point. 

Correspondence is attached.

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 2018-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One was my mortgage company. After I filed a previous complaint with the CFPB, I sent a letter to Capital One to close my escrow account. They sent me a letter back, saying that they had closed it. I pay my own mortgage insurance separate from my payment. About 5 months later, they reopened my escrow account without my permission to force-place flood insurance on my property. I had already gone on the website to upload this document so that they would get it. So now for 8 months, they have been charging me for flood insurance that I already have. Then they told me on the phone that XXXX would now be handling my loan and that a lot of accounts are being transferred to XXXX because Capital One is no longer in the mortgage business. I called Capital One to make a payment and I was told this. I inquired as to whether XXXX was a collection agency and Capital One told me emphatically that they were not. 
Now, I have contacted XXXX to pay on my loan and they advised me that there is a cease and desist order placed on my account. I did not place this on my account. Capital One placed this on my account before it was transferred. So, hence, XXXX could not even contact me for payment. The girl on the phone with XXXX accidentally told me about the cease and desist order, AFTER she even told me that an account manager would call me. Which he can't even call me because of that. Now I have to write a letter to remove the cease and desist order - which I did not even put there in the first place. Capital One needs to get out of the banking business, period. No one who works there can do their job competently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I purchased {$5700.00} of furniture and decor from XXXX XXXX on XX/XX/18 using their store-branded credit card ( can only be used at XXXX stores, not a XXXX, XXXX or XXXX logo card ). I checked off the box for a promotional 0 % financing for 12 months. I made sure that I did that critical part of the step. I paid my first payment due XXXX and when my following statement came due for XX/XX/XXXX, I noticed a {$120.00} interest charge on the statement. 

I didn't think the statement due in XXXX had all of the purchases I made on it because some of them hadn't been delivered, that's why when I saw the minimum payment as {$320.00}, I assumed that was because only half of the furniture had not been delivered. 

I called to dispute this and they told me they would return my call in the next couple of days. It has now been 7 days. I signed up for a 12 month promo period, and they just put it in a payment plan that was due immediately. This is very disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: NV

Complaint narrative:
On or aboutXX/XX/XXXX through Experian 's website I asked that a Bankruptcy be removed from my credit report as being inaccurate. On or about XX/XX/ Experian responded claiming that they had verified the Bankruptcy as being accurate. I am informed and believe that were unlawfully simply relying on information previously obtained from a vendor XXXX. On XX/XX/XXXX I contacted the Clerk of the US Bankruptcy Court and was informed that they do not validate the Social Security Number and Date of Birth of people who have filed Bankruptcy to Experian or anyone else. On XX/XX/XXXX I sent an appeal  pursuant to the FCRA and FTC to Experian via USPS Priority Mail Tacking Number # XXXX XXXX XXXX XXXX XXXX XXXX. Said letter was received by Experian on XX/XX/XXXX. In the letter I explained that the Clerk of Court had never been contacted to validate the Bankruptcy, and I asked for the person, date, time, and phone used at the Bankruptcy Court to validate the inaccurate Bankruptcy listed on my Experian Credit Report. OnXX/XX/XXXX I contacted Experian customer service at approximately XXXX and was told by the customer service representative ( CSR ) that they had no record yet of receiving my appeal and it really did not matter as I had the complete burden of showing that the Bankruptcy was inaccurate. I complete shifting of the burdens under the FCRA. When I got off the phone with the CSR I XXXX information about any lawsuits that Experian was involved in over this same issue. There have been others including class action lawsuits and fines from the FTC for the same behavior. Thus, I was surprised that Experian still feels that it is financially advantageous to continue their unlawful practices and not probably trian their CSRs. I need your help in prompting Experian to act lawfully as my XXXX would make it difficult for me to file a lawsuit, and I simply want the matter resolved

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