vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-27 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I applied for a checking account with both XXXX and XXXX XXXX XXXX on XX/XX/XXXX and was denied due to incorrect reporting of a fraudulent account that was proven to be fraud by XXXX Police Department. The police report number is XXXX. I disputed the information with XXXX XXXX XXXXXXXX but they have yet to delete the fraudulent account from my credit. I have a pending lawsuit against XXXX XXXX XXXXXXXX for incorrect credit reporting. 

The report sent to XXXX XXXX XXXXXXXX on both XX/XX/XXXX and XX/XX/XXXX : I stored my personal items at a friend 's house because I was XXXX for a few months prior to relocating to college in XXXX, XXXX. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, XXXX to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from XXXX XXXX XXXXXXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, XXXX ). I filed a police report in XXXX, XXXX, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, XXXX, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to XXXX report. I attached my IG with my XXXX address, the only address I've ever lived. XXXX XXXX XXXXXXXX Replied stating they would not remove the account and expected payment because an individual walked into the bank on XX/XX/XXXX and opened an account with my ID. My ID and SSN card was stolen, as I stated above, and even after I provided XXXX XXXX with the identity theft criminal report case number from XXXX Police ( XXXX PD Criminal Report # : XXXX ) upon request, the account still has not been removed.

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 2018-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was given a credit of {$2000.00} with the Best Buy originally through City Bank. At a certain point they lowered my limit and this caused me to be over balance with them and have to pay extra fees. 

I was in college and the military at the time. This debt has been made whole with them. 

My credit score was lower, their interest rate was high, they lowered my limit which increased my fees and made it difficult for me to pay them the amount they were asking. This was in XX/XX/XXXX and XX/XX/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 2018-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: OH

Complaint narrative:
I have a unverified account from Aargon Agency. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g,  I request that Aargon Agency Cease and Desist all further communications. Aargon Agency needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

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 2018-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I set up an Electronic Payment to occur on XX/XX/18 for my regular amount of {$1500.00} plus an additional {$8000.00} of principal. The whole {$9500.00} came out of my bank and was credited on XX/XX/18. However, they DID NOT apply the {$8000.00} to paydown of principal. They applied it to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regular payments, costing me an extra {$1500.00} of interest. 

This is the 7th time that DiTech has erred/refused/failed to apply a prepayment of principal to my principal balance within the past year. They are downright fraudulent! I call and call and call before getting them to correct their error/fraud. 

That's stealing. If I did that, I would be in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I purchased a car from a dealership and financed it through Capital One Auto Finance Account number XXXX. The Dealership never sent the title to Capital One and then the Dealer Ship went out of business. I continued to make payments to Capital one ( ON TIME ) for 6 months. I finally discussed turning the car back to capital one since I was unable to get plates or a title on it with the dealership being gone. 

Capital One is showing this as a repossession on my credit file with a balance owing that is just less than the original amount of the loan. 

1 ) I can not be held liable for a vehicle that I was unable to drive from day one until 6 months later when I turned it in. If anything, Capital One owes me just over {$3000.00} for a vehicle that I paid for and ONCE AGAIN ... could never drive for even one day. 

2 ) I certainly should not have a repossession and owe a balance of {$23000.00} for NO VALUE RECEIVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
While applying for auto loan with credit union, we were informed of lower credit score than expected through Experian. With our request the credit union explored the Experian report and found error in report as Mortgage we paid on time entire 4 years since starting date only showed 1 month payment history on Experian report. 

We called Mortgage company and they confirmed at least 29 months of on time payment is what they have been reporting to Experian. 

Mortgage company asked to have Experian call them to confirm so issue could be fixed that day. 

Called Experian and was told our dispute required 30 days per federal law, after many requests for Experian to call mortgage company that day. 

Experian shows the loan originating 4 years ago and still open/current, but still only shows 1 month payment history. 

1 week later Experian sends an e mail stating the dispute is still in process, but no actions or even any update. 

All appears to be in attempt to have consumers contact Experian or log in to their services where the solicitations are impossible to avoid!

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 2018-03-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America # XXXX Dose not belong to me and I have dispute it with XXXX  and nothing has changed

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 2018-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
They stated three different dates when a personal check would be cashed. There is an overdraft even though I have funds in my account. The website has been down for five hours. They won't email me my statement.

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 2018-03-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: NY

Complaint narrative:
It has been over five years since ECMC has first contacted me about a student loan debt that is not mine, that was the first time Ive heard about the 1987 debt, I have written many letters explaining the debt is not mine, and it may have been obtain through fraud, at my request they sent me a copy of the original contract and a default judgment, the SSN, middle initial, address and signature are not mine. I have never attended the school listed on the contract, they have created a computer generated document with my correct SSN and attached it to my name. 
I believe ECMC has continued to force this debt onto me for financial gain, which has cause me many pain and suffering

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 2018-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Someone stole my check and wrote a check to herself for the amount of {$5500.00} and signed the check herself forging my signature. The signature did not even look like my signature. Union Bank ( XXXX XXXX in XXXX XXXX, address is : XXXX XXXX XXXX, XXXX XXXX, CA ) did not verify my signature and cashed the check. They should have verified my signature specially for this large amount. Union Bank made a big mistake. And now they are not giving me back my money. I talked to the branch manager, XXXX XXXX XXXX regarding giving me back the money back. I had another similar situation before. XXXX XXXX gave me back the money but he also forced me to sign a form that if there is any more trouble with Union Bank will not be responsible. He did not explain to me what I was signing. And this time, he does not care about me losing money. He does not care that Union Bank made this mistake. 
I feel that I am a victim again. Not only by the person who stole my check, but also a victim by Union bank. 
I reported this to the police. Case number is XXXX. Copy of the police report is attached. 
My English is not very good, please contact my realtor, XXXX on behalf of XXXX XXXX email XXXX and cell phone ( XXXX ) XXXX and address XXXX XXXX XXXX XXXX, XXXX XXXX, CA 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 2018-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that XXXX XXXX XXXX has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization.

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 2018-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: IL

Complaint narrative:
Back in 2009 I had a student loan that was issued before the federal aid was able to be applied. When the federal aid was applied, the loan was refunded back to Conduent but my federal student aid account still shows an outstanding balance for the original loan. When Ive spoken to their loan service rep, they said that the loan was refunded and that I dont owe anything and would send the corrected information to NLDS to reflect that I dont have a balance but they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I spoke with Kohls Charge personal on the phone in 2016 and agin in on my last phone interview with Kohls Credit.

I was told that the late payment in XX/XX/2016 would be removed if I filed an dispute.

I was told both the call were recorded.

Please, have the fraud department audit the calls and remove the late pay.

I also tried to pay the amount due the week of the charge and was told I could not pay until it posted.

The above was at the XXXX  Customer Service Department on the week of the Charge. I called the # on the Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: A-1 Premium Acceptance, Inc.
State: MO

Complaint narrative:
I did not apply for a loan with this company and they are stating that I did. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
Since XX/XX/2018, Sequium Asset Solutions , LLC received a collections file from XXXX XXXX   stating that I was past due. XXXX XXXX then received a call from me asking why. XXXX then explained and expressed their deepest apologies for the incorrect information. They " accidentally '' opened a second account in MY name!! XXXX, the Supervisor at XXXX   sent in a ticket, # XXXX, to Sequium Asset Solutions , LLC to immediately remove this item and No One has yet to respond. It has been well over 3 months now and still no results!! I have never lived in unit # XXXX, which is where they are reporting these lies. My apartment complex has also tried to reach Sequium to inform them I never lived their and no answer ... I am trying to buy a home and Sequium Asset Solutions , LLC has destroyed my chances and my credit, yet I nor XXXX  can get get them on the phone!!! I am pressing charges for breaking the Fair Credit Reporting Act ... But not even my lawyer can get them on the phone!!! Please help ...

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 2018-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
I tried to contact the company about this illegal debt they're trying to collect from me the representative used abusive language and threaten to place this on my credit report which I have a lock on all all three major credit bureaus my information was compromised with XXXX  and my email account with XXXX  also and I think these people got my information illegally the name of the company XXXX XXXX their number is XXXX   XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: SC

Complaint narrative:
THIS ISSUE IS WITH EXPERIAN REGARDING THE ACCOUNT XXXX XXXX {$960.00} BALANCE ON ACCOUNT # XXXX  IS REPORTING AS XXXX/XXXX XXXX WHICH IS FRAUD AND IT IS SHOWING ON MY CREDIT FILE, AND I HAVE NEVER HAD THIS ACCOUNT. I HAVE UPLOADED A LETTER FROM XXXX XXXX PROVING IT ON THE EXPERIAN DISPUTE UPLOAD WEBSITE AND EXPERIAN KEEPS PLACING THIS ACCOUNT BACK ON MY CREDIT REPORT # XXXX-XXXX-XXXX. I HAVE ASKED EXPERIAN TO REQUIRE XXXX XXXX TO PROVIDE PROOF AND DOCUMENTATION TO SHOW THAT THE ACCOUNT IS MINE. XXXX XXXX NEVER PROVIDES PROOF THEY ALWAYS SELECT THE ELECTRONIC WAY OF REPLY. I HAVE PLACED A FRAUD ALERT ON MY CREDIT FILE FOR A REASON AND THAT IS BECAUSE MY INFORMATION HAS BEEN COMPRIMISED IN THE PAST. EXPERIAN HAS DELETED THIS ACCOUNT IN THE PAST AND PLACED IT BACK ON MY CREDIT FILE WITHOUT ANY NOTIFICATION TO ME WHICH IS AGAINST THE FDCPA & SC STATUE LAW.

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 2018-03-27 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: PA

Complaint narrative:
I am a victim of fraud. Several inquiries were made fraudulently on my report. 
XXXX XXXX XXXX on XX/XX/XXXX - XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX On XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I spoke with XXXX XXXX XXXX on the phone in 2016 and agin in on my last phone interview with XXXX XXXX.

I was told that the late payment in XX/XX/2016 would be removed if I filed an dispute.

I was told both the call were recorded.

Please, have the fraud department audit the calls and remove the late pay.

I also tried to pay the amount due the week of the charge and was told I could not pay until it posted.

The above was at the XXXX Customer Service Department on the week of the Charge. I called the # on the Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX and XX/XX/2017 I missed two payments. I had moved due to job relocation out of state. USAA is supposed to be military and DoD friendly but they refused to work with me and are not understanding. Been a member for over 14 years and this is my first issue with payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On or about, Thursday, XX/XX/XXXX, I placed an order for phone service with XXXX XXXX XXXX XXXX online, order number XXXX. I called the store that I selected to pick my order up from and was told that their system was running slow, and they would get to it shortly, once they received it. Shortly after I ended the phone call, I received an email from XXXX XXXX XXXX stating that they had a problem placing my order and to give them a call. I called and had a ton of issues so I just went into the store, and I was told that my social had a fraud alert and I need to call to verify my identity. I called and was told that they could not approve my account because I had too many discrepancies on my credit report. I was then referred to the Equifax Utilities Department. When I spoke with them, I was told that I had two discrepancies, my address and date of birth. I was told to send a copy of my drivers license and either a bill or my lease agreement so they could update my information, and the entire process would take 48 business hours. To confirm that I was thinking the same thing, I asked if I send it tomorrow, which would have been Friday, XX/XX/XXXX, it should be completed and updated by Tuesday, XX/XX/XXXX, and they said yes. On or about Friday, XX/XX/XXXX, at approximately XXXX XXXX, I faxed over a copy of my drivers license and lease agreement to the fax number provided to me, along with a cover letter to explain the situation. When I called on Tuesday, XX/XX/XXXX, I was told that they did not have my paperwork and I had to resend it and it would take another 48 hours. On or bought Wednesday, XX/XX/XXXX, at approximately XXXX XXXX, I faxed my information to them again. On or about Monday, XX/XX/XXXX, at approximately XXXX XXXX, I called again to get an update, in hope that my information was corrected on my credit report so that I may go purchase my new phones soon, but much to my surprise they still do not have my paperwork and I was told to resubmit my documents. This situation I find to be very distasteful and frustrating. I do not appreciate it as I am a combat veteran and I should not have to be treated this way by any business. This has caused me major inconvenience as I am still having to wait to get my phone service because they will not update my date of birth.

Company response to consumer: Closed with explanation