vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My information was posted online in XX/XX/XXXX, I placed credit freezes at all of the credit agencies then. In XX/XX/XXXX, Experian lifted the credit freeze without my knowledge, without my permission, and without notifying me. I found out from a credit card company. I refroze my credit with Experian, and they AGAIN lifted the credit freeze in XX/XX/XXXX without my knowledge, permission or without notifying me. I again found out from a credit card company in XX/XX/XXXX. Experian said that my freeze had been lifted online after someone ( not me ) answered all the publicly available security questions correctly. The thieves then added addresses to my report, and used that information to open several accounts, add their addresses to my mortgage account and request checks against our home equity, request a student loan in my name, and steal money from my checking account. Experian allowed them in by allowing them to reset my freeze pin online by answering questions that are easily verifiable and researchable, without notifying me. And now, they won't allow me to enroll in their so-called protection ( which does not include notifications!! ) because they can't verify my identity. It is unconscionable that private companies who are so lax with information and security are allowed to continue to verify my credit. There should be a way to opt out of their services, or there should be a government agency that controls this -- NOT THEM. Once the thieves had my credit report, they had all the information they needed to break in again and again.

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 2018-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This is approximately the 3rd or 4th agency that this alleged debt has been to. I've disputed this over and over. I've issued a cease and desist order numerous times to XXXX XXXX XXXX, but they continue to call me from unknown numbers daily, and continue to send correspondence, including today. They violate the law daily. 
Please address them They have a previous finding with the CFPB already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
To Whom It May Concern : I am MORTIFIED! Recently my Capital One Secured Credit Card account ( ACCOUNT # XXXX ) was inexplicably closed without my request or initiation and furthermore Capital One refused to refund my money that I opened this account with. Capital One claims it was opened fraudulently through an alert from XXXX, XXXX, and XXXX. Representatives from the Credit bureaus claim they received a request to remove the account but no such request was ever made! 

This account was opened in XX/XX/XXXX with funds sent directly from my bank account ( {$500.00} plus startup fees ) and the card has had no late payments and automatic deductions from my bank account. The automated phone teller stated the account was deactivated XX/XX/XXXX but I made a payment of {$220.00} on XX/XX/XXXX ( which brought my account balance to {$0.00} ). I also applied for a credit increase on XX/XX/XXXX and received correspondence on XX/XX/XXXX. 

I have records of everything. I have spoken to representatives from all four companies and no one is willing to rectify the situation especially Capital One. How can a SECURED credit card with a stellar history be fraudulent and the customer treated dishonorably?? It was setup with MY MONEY! I am vehemently requesting that my account be completely reinstated and reported to all XXXX major credit bureaus. I did not request it to be closed and did nor report any fraud to Capital One or the Credit bureaus! 

I am sending this letter to Capital One Bank, XXXX, XXXX, XXXX, Consumer Financial Protection Bureau, Ohio Attorney General and affiliates. Also my attorneys are looking in handling this matter with a lawsuit if not handled in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I bank at Wells Fargo. I want to report three ( 3 ) separate incidents of erroneous withdrawals/transfers from my savings to checking account posted as " overdraft protection from savings to checking ''. There are 3 concerns with this activity, ( i ) I am NOT enrolled in the overdraft protection program, ( ii ) I did NOT have a negative balance in my account ( I check it daily as I've had concerns over other suspicious activity ), and ( iii ) the funds did NOT appear in my checking account. The funds disappeared and Wells Fargo can not explain. The 1st incident occurred a few months ago. They had no explanation with first incident, apologized, and immediately returned the funds to my savings account of approximately {$40.00}. The 2nd incident was on XX/XX/18 for {$40.00} and a 3rd incident on XX/XX/XXXX for {$37.00}. I immediately called the XXXX number for Wells Fargo on XX/XX/2018. The rep confirmed that I'm NOT enrolled in overdraft protection, I did NOT have a negative balance and they could NOT explain what happened to the funds. They opened up a ticket to investigate by case manager. I contacted my local Wells Fargo branch office the very next day on XX/XX/XXXX. Spoke to a banker, who confirmed same. No explanation could be given. The bank representative took down my information and said they would get back to me by the afternoon. These occurrences are very concerning and suspicious. I never signed up for overdraft protection, I did not carry a negative balance and my funds have basically disappeared with no explanation or further investigations conducted by Wells.

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 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: GOLD KEY CREDIT, INC.
State: PR

Complaint narrative:
Hospital bills Repeated amount of XXXX $ and a creditcard that was paid over a year of XXXX $

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 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I applied for an American Express Delta SkyMiles through a solicitation I received as a result of being an existing SkyMiles participant. I received email notification within minutes stating my application was declined " because American Express cancelled ( my ) previous account ''. I do not recall having an American Express account. The declination letter also stated I could contact AMEX customer service, which I did. The agent that I spoke with advised me that she could not locate any prior account in my name and was unsure why I would be declined for an account. I asked if I had perhaps been an authorized user on someone else 's account and was told there was no record of that either. I have very good credit and have never been declined for a credit card, car loan or mortgage loan. I would like someone at AMEX to  review my application and inform me in more detail the reason it was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We deposited XXXX to our bank of America account on XX/XX/2018 and never spent that much money had over XXXX in our account. It is now saying we are over drawn how can that be when we only spent XXXX what happened to the rest of the money. Very unhappy as even the withdrawals do not add up to the money we had in the bank where did the rest of the money go?

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 2018-09-26 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: GA

Complaint narrative:
NEITHER OF YOU CRAs follow your own policies nor the Federal or State ... .. 

I DEMAND PER THE CHALLENGES ( DISPUTES ) SUBMITTED ALL OF THIS CALENDAR THE FOLLOWING INFORMATION AS IT PERTAINS TO YOUR SO CALLED INVESTIGATIONS WHICH ARE SIMPLY YES OR NO QUESTIONS YOU ASK THE DATA FURNISHER ... .I HAVE DONE EXTENSIVE RESEARCH AND THIS IS WHY YOU GUYS ARE ALWAYS GETTING SUED!!! ALL YOU CARE ABOUT IS MAKING MONEY AND NOT ABIDING BY ANY STATUES, LAWS, CODES, POLICIES THAT YOU YOURSELVES HAVE IMPLIMENTED YOU CARE NOT ABOUT THE AMERICAN PEOPLE WHO MAKE YOUR POCKETS XXXX ON A DAILY BASIS YOU ARE ACTING AS XXXX HIMSELF!!! 

I DEMAND : 1. ) NAME AND TITLE OF ALL MEN AND WOMEN WITH WHOM YOU HAVE COMMUNICATED WITH REGARDING EVERY ACCOUNT DISPUTED IN XX/XX/2018 2. ) PHONE NUMBER OR EMAIL OR FAX TO THE MEN AND WOMEN WITH WHOM YOU HAVE CONDUCTED YOUR INVESTIGATIONS WITH 3. ) FULL DETAILS ON EXACTLY HOW YOU COMPLIED TO EVERY LETTER AND WORD IN THE AFFIDAVITS I HAVE SENT YOU 3 XXXX CRAS!!!!!!!! 

SO RESPOND TELLING ME DO WE NEED TO SETTLE THIS MATTER IN COURT OR NOT? DONT RESPOND AGAIN TALKING ABOUT WHAT YOU VERIFIED!!! THAT IS REDUNDANT WHEN YOU ARE USING SOME LAME XXXX XXXX XXXX XXXX   YOU PLAY THE GAME IN AN UNFAIR MANNER ... .WE ALL KNOW WE NEED DOLLARS AND CREDIT TO CIRCULATE THRU THE ECONOMY ... .PLAY FAIR FOR ONCE!!!!! FREAKING PUBLIC RECORDS SHOULDNT EVEN BE DISPLAYED ON MY CREDIT REPORT AS I OPTED OUT OF SO MANY 3RD PARTIES AND YOU TOO ARE A 3RD PARTY!! 

YOU HAVE NO FIRST HAND KNOWLEDGE OF PUBLIC RECORDS WHAT SO EVER!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Capital One/XXXX XXXX XXXX XXXX of a fraudulent application submitted with his information without his consent XX/XX/XXXX that left an inquiry on his XXXX  credit report. An official dispute of this application was mailed certified with return receipt to Capital One/XXXX XXXX XXXX XX/XX/XXXX ; however as of this date Capital One/XXXX XXXX XXXX failed to provide a reply or an update to the investigation status of this issue. This is a violation of the FCRA and my client 's federal consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX GA XXXX To whom it may concern, We have a mortgage loan with CHASE which is currently in arrears and in a foreclosure status. Weve lived in our house since XX/XX/XXXX and since we had different lenders since the purchased of our home ; XXXX XXXX, Washington Mutual and now CHASE. We had a perfect payment history until XX/XX/XXXX when my mother became ill. We were both grateful to CHASE for approving us for a loan modification. However, other set of circumstances occur and caused us to stay behind on our mortgage payment once again. I contacted CHASE regarding the changes and current situation CHASE representative ( s ) offered to review us for a loan modification for a second time in XX/XX/XXXX. After sending all the require documents I was told that because its been less than a year time frame since we were last approved for a loan modification a 2nd review will be denied, and a foreclosure sale date was placed in our home on XX/XX/XXXX. we were both scared and ran out of options that we had no choice but to file bankruptcy. I am a XXXX XXXX XXXX I assist with XXXX XXXX and my husband is a XXXX XXXX XXXX we dont want to lose our house. We have a foreclose sale date on XX/XX/XXXX and we are not getting any assistance from our mortgage company. CHASE representative said we can re-apply for a loan modification, but it will be after our sale date as the year will pass since last review. We are both hardworking individuals and are financially stable now and are asking that our foreclosure sale date gets postpone and allow us time for CHASE to allow us to pay them what we owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Approximately 4 years ago in an attempt to stop paying so much interest, I made an agreement to pay off my citi preferred credit card balance by paying a set amount until it was paid off-0 % interest. A little over a year ago I called and asked if they would lower my payment. I was advised my payment could be lowered and that it meant the total that I owed wouldnt be paid in the original time that was set-not that there was a problem with that. Now, a year later they are calling me to let me know the balance will be due in full at the end of XX/XX/2019. When I made the agreement to lower my payment it was my understanding that they were agreeing to the lower amount until the debt was paid in full. Not, we agree to let you make lower payments and then surprise you will still owe us the full amount in the same time as the initial agreement. What sense does it make to agree to lower someones payment knowing in the end that they will still owe the same amount in the same amount of time? How does that possibly help your customer? Beware.

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 2018-09-26 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Credit alerts from Citibank keep appearing my XXXX  - XXXX account. The reason is mysterious and Citi refuses to provide useful information or any correction or removal. My inquiries and complaints by phone got nowhere ; both XXXX and Citi blame the other and neither knew what a " New Tradeline '' was. 

A postal letter to the department Citi advised ( attachment ~1 ) got a reply that essentially said " we're right, you're wrong, gripe all you like. '' ( Duplicate replies on XX/XX/XXXX [ attached ] and XX/XX/XXXX [ not attached as redundant ] ) ( attachment ~2 ) ./ A further inquiry asking for specific information got an irrelevant reply with no answers ( attachments ~3 and ~5 ). 

The attachments should be self explanatory. Please read in order of ~1, ~2, ... .. 

NOTE : The latest " New Tradeline '' in attachment ~6 appears to be my latest payment with the cents dropped, but the " Affected by natural or declared disaster '' is a mystery as applied to my area, but may apply to Citi 's offices. It's still a mystery why it would generate a " New Tradeline,  '' especially after the bill was paid.

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 2018-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
When I last spoke to a representative from Navient, I was told that the previous program I was on, where {$150.00} was automatically deducted from my bank account, was no longer around and that lower interest rates were no longer in place. As a result, the monthly payment is much higher than what I can afford. I work two XXXX  jobs and my third job is at a XXXX, so my wages aren't all that high and can be somewhat variable. Nothing I say to them seems to get through that the payments needed are too high and it's incredibly frustrating. They have since tanked my credit that I've worked really hard to bring up. 
I don't really know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified of an account established with his information without his consent. An inquiry was also conducted into his credit XXXX credit report to help establish this account XX/XX/2018. A formal dispute of this was sent to SYNC/XXXX XX/XX/2018 certified mail with return receipt and as of this date SYNC/XXXX has failed to send a reply or an update as to the status of the investigation.

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 2018-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have several issues. When I first took out the loans in college I was not informed at all, now due to the high interest rate ( My interest rates are 8 %, 11.5 %, 11.5 %, 11.5 %, and 11.5 % ) I owe over {$100000.00}. Every time I have asked about ways to lower the payment because I can not pay over {$1000.00} a month I was always told there is nothing they could do. Navient ( Sallie Mae ) are making threatening and harassing calls to me, my co-signer and other family members which they should not even have numbers for. They have somehow gotten my Vet XXXX aunt 's number, my mothers number, my husbands number. My co-signer is my XXXX something year old grandmother and they threaten to put her in jail, take her house drain her retirement. I have five separate loans to Navient and just now have gotten 3 of them in a hardship repayment ( still paying almost {$200.00} a month ) yet to add the other two this is still over {$500.00} a month and I can not afford that. They are still sending threatening letters and making harassing calls to my grandmother tell her they are going to sue her if she does not make the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: RELIABLE FINANCIAL SERVICES, INC.
State: NC

Complaint narrative:
ACCOUNT IS STILL OPEN, I STILL HAVE THE CAR BUT IT SHOWS AS CLOSE. ACCOUNT WAS BROUGHT UP TO DATE AND MONTHLY PAYMENTS HAVE BEEN MADE ON XX/XX/2018 & XX/XX/2018 BUT ACCOUNT SHOWS AS CLOSE IN THE CREDIT AND NO PAYMENTS MADE. I HAVE CONTACT THEM AND MY CALLS HAVE BEEN IGNORE. WHEN THE ACCOUNT WAS BEHINF THE OFFER INFORMATION OF THE ACCOUNT TO A THRID PERSON WITHOUT BEING AUTHORIZE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: MI

Complaint narrative:
On XX/XX/2018 XXXX XXXX XXXX XXXX reported to the Credit Repository Agencies that I opened an account with its entity on XX/XX/2018 in the amount of {$15000.00}. 

I have not ever contracted any business with this company. I have not ever received any consideration from this company. I have not ever signed any agreements with this company. 

I believe that this company is committing an act of fraud with knowingly placing invalid information of my personal credit profile. This company has violated Title 15 USC 1681s-2 ( a ) ( 1 ).

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