vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-23 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: IN

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: IN

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX 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 2018-10-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I am a recipient of XXXX XXXXXXXX XXXX XXXX subsidy payment and I moved out of XXXX XXXX at the end of XX/XX/2013. ( Proof enclosed ) The property manager at XXXX XXXX signed my approval to leave the premises during my recertification 2 months prior to my departure at the end of XX/XX/2013. A new contract was entered into and signed by the new apartment complex ( XXXX XXXX XXXX XXXX ) on XX/XX/2013. After signing this lease I moved into those apartments both the XXXX and XXXX and on XX/XX/2013 my payment for the subsidy was paid to XXXX XXXX XXXX XXXX. Although the property manager approved this moved two months prior, he did not inspect or sign off on the Move-Out until XX/XX/2013 in which they are trying to charge for an additional month 's rent. They took my deposit of {$400.00} and charged me ridiculously for paint ( {$200.00} ), trash left ( {$150.00} ), 5 blinds ( {$120.00} ), 1 shower rod ( {$10.00} ), spackle ( {$50.00} ), kit cleaning ( {$220.00} ), bath cleaning ( {$300.00} ), water bill ( {$31.00} ) and again prorated rent owed ( {$640.00} ). This is enclosed as well. I satisfied my obligations to XXXX XXXX, XXXX XXXX XXXX XXXX ( or else I wouldn't be eligible to still receive the subsidy payment ) and my new responsibility to XXXX XXXX XXXX. I don't believe I owe XXXX XXXX any monies, especially with them keeping my deposit. If you'll notice of all the charges brought against me, there is no mail box or door key charge because I put the keys in their hands at the end of my lease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I opened a checking account with HSBC under their {$200.00} welcome deposit promotion. I have met all of the requirements to receive the {$200.00} as of XX/XX/2018. I have a written chat with a customer service representative from XX/XX/2018 with a " XXXX '' who agreed I should have received this {$200.00} deposit already and he/she instructed me to call customer service which I did. I called and had a " ticket '' opened in XX/XX/2018 and was promised I would get a call back with a resolution. It is now XX/XX/2018. I have been on hold for 30 minutes and counting with XXXX at EXT XXXX as I have called 2-3 times per week and been promised call backs every time as the only person who can resolve this is the person that opened the ticket. I was promised a call back by Monday which never came last Thurs. XX/XX/2018 by a woman at EXT XXXX. This is completely unacceptable. Every time I call, I am only told that I will get a call back, which I never get. Then the person is never working and they are the only ones that may resolve my issue. I want to cancel my account, but I am entitled to the {$200.00} welcome deposit as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
When signing up for loan through Sun Trust Bank, advertised as allowing auto-payments with a reduction in interest for using auto payments. No asterisk or fine print associated with this claim on their website. Still seen here : https : //www.suntrust.com/XXXX " 0.25 % interest rate reduction for auto pay. '' Today I called and spoke to both the Lender ( Sun Trust Bank : XXXX ) and the loan serving company XXXX XXXX XXXX XXXX : XXXX ). Both informed me that automatic payments will not be accepted on my loan because I am paying interest-only while in school. They state that their computer system can not handle this. Clearly this is a deliberate predatory practice designed so that customers will forget to make manual monthly payments, so that the company can collect late fees and additional interest.

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 2018-10-23 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: WI

Complaint narrative:
On XX/XX/2018 I demanded XXXX XXXX provide proof of debt. On XX/XX/2018 they admitted they do not possess any evidence proving the information they are reporting. Additionally, they have admitted to reporting the alleged opening date as the date they acquired the rights to collect upon the account. This information is misleading and is resulting in an increased detriment to my ability to acquire necessary financing to participate in a lucrative investment opportunity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My debit card was used without my authorization while I was in XXXX undergoing a XXXX XXXX and XXXX XXXX  ( 2 XXXX  in 10 days ). Most of the charges occurred on XX/XX/18. I realized my card was missing on XX/XX/XXXX and immediately contacted the bank. I also reported the fraudulent charges. On XX/XX/2018 I received a letter stating my claim was denied. I immediately requested documentation used to deny the claim, as per Reg E, and the bank has failed to provide this information. I have called and walked into the branch many times and spoken to several supervisors. I also refiled the claim. On XX/XX/2018 I sent a certified/return mail letter requesting the documentation used - 6th time making the request - and explaining why I thought each one of the reasons given to denied my claim were not satisfactory. The reasons are that I notified I'd be in XXXX during the dates the charges happened, account wasn't drained, charges reflect normal spending habit ( I had my account for 2 months how can they say the had a pattern of my spending habits? ), and that there were no more attempts to used the card after XX/XX/18. I sent TD bank letters from my XXXX  and XXXX XXXX confirming my health state during that time. In addition, as per Reg E, the fraud was reported within reasonable time of learning of the card missing or fraud - I reported the fraud within 24 hours of learning the card was missing ( and within 60 days of it happening ). I have spent an obnoxious amount of time disputing the transactions/claim denial and TD Bank is not protecting me against fraudulent charges as they stated when I opened my account. In fact, they are adding to my loss by implying I am lying and or trying to commit fraud against them and the time I've wasted filing the claim and disputing their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: MN

Complaint narrative:
Hard inquiries by XXXX XXXX on XX/XX/2017 listed on my credit report and my wife 's credit report. We have no recollection of giving permission for these inquiries.

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 2018-10-23 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal credit union continues to attempt to reinsert fraudulent accounts onto my consumer reports and credit files. First of all I provided Navy Federal with my Law Enforcement Identity theft affidavit that clearly and explicitly explains that I am a victim of identity theft. Furthermore my wallet was stolen and Navy Federal allowed two credit cards to be opened in my name. I never received any credit cards, nor membership information, nor anything about these accounts in the mail since my mail had been forwarded and email addresses also hacked after my wallet was stolen. I tried reporting these accounts to their security department which told me that they believe I opened these. I advised I definitely did not. I also explained I never signed any membership packet, because I never received one. I never received any of these credit cards nor did I ever sign for these. The security representative then proceeded to threaten me, threatening violence and also action against me. He told me he would come to my house, and then told me that he would burn me down to the ground that he was a law enforcement officer. I hung up, and I feel physically threatened and scared to call back. Additionally their customer service rep told me that the one account is supposed to be {$15000.00} limit and navy federal additionally falsely reported this again as a {$25000.00} limit. Again Navy Federal hasnt provided any information. I did not receive these cards, and I did not open membership with their institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX Re : IC Systems Inc acct. # XXXX and acct. # XXXX Dear IC Systems XXXX , I have never received any written correspondence from this company. IC systems reinserted a collection to my credit reports with XXXX, XXXX, and XXXX  that results from crime ( s ) that have taken place. This is invalid. I didn't received any services or goods from the original creditor. However, I am still held responsible for this debt. You also have violated the FAIR DEBT COLLECTIONS ACT by adding a collection to my credit reports without my knowledge. Furthermore, you are also in violation of the FAIR CREDIT REPORTING ACT by reporting inaccurate information to data furnishers XXXX, XXXX, and XXXX. You were froward copies of an FTC Identity theft report and a sworn copy of an identity affidavit. Still you fail to comply with laws you are legally binded to adhere to. I am forced to led to lead to legal actions with IC Systems if this debt isn't removed. 

Thank you, XXXX XXXX XX/XX/1986

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 2018-10-23 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: NC

Complaint narrative:
I always check my credit but today i check it and they post a collection on my credit credit i know i haven't been to any doctor and i ask for all supporting documentation but never receive anything from any creditors so can you please have them to send all letters to me about these accounts. 
XXXX XXXX XXXX XX/XX/2018 XXXX  XXXX XXXX XX/XX/2018 2018

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 2018-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MI

Complaint narrative:
Crown assett management llc XXXX XXXX XXXX XXXX XXXX XXXX and XXXX   were notified by the State of Michigan on XX/XX/XXXX that they would be receiving XXXX for a debt of XXXX that they have no right to collect in the first place. That leaves a balance of XXXX dollars. However my paycheck was garnished on XX/XX/XXXX for an additiinal XXXX dollars stating a balance of XXXX dollars is due. Why?

Crown Asset received the XXXX dollars along with a possible XXXX dollars on XX/XX/2018 which is a total of XXXX dollars. At this point with more to come.

I have never signed a contract with Crown Assett management, I dont owe them anything. Yet the garnishment is still on my pay check as of today to continue. I called Crown Assett mgt on XX/XX/XXXX and XX/XX/2018. The answer I got is " it is a process ''. No one can tell me how long. In the meantime I have XXXX  children to feed, while Crown Assett was already notified of the XXXX  dollars they were GUARANTEED on XX/XX/XXXX. Crown Assett garnishes my paycheck for an amount that they are not owed. Why is my check garnished and will continue to be garnished when you took my state taxes already. This is an overpayment, unfair, and abusive. Crown asset knowingly took an overpayment after already getting XXXX  dollars. They should have only taken XXXX dollars at the most. Why is Crown Assett this incompetent to a simple calculation as of XX/XX/2018. Why is this company allowed to garnish a consumer twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Ive been receiving calls from. Robot for 4 years now. Sometimes 4-5 times a day. Stating that they can help me with my student loan. I dont have a student loan!! I paid it off in full, cash over 4 years ago!!! I ask people to stop calling me and to take me off their mailing list bc I DONT HAVE a STUDENT LOANS ( of its a human ). Most of the time it is recordings or Robots calling. I block them each time but they just call back and few hours later from a diff number. I cant even pick up unknown numbers anymore and that affects my business. 

It is a Crime if they call me ever again after I tell them to stop once. My Mother keeps telling me to call my Atty Ge earl and report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint with Equifax for refusing to comply with the FCRA 605b. I followed FTC 's process and got police report, turned in 2 forms of ID and a letter requesting that I have accounts that wer tied to a fraudulent bankruptcy removed as well as these items were a result of ID theft. I waited 3 hours to speak with a supervisor and was told that these 3 remaining accounts would not be removed : XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX. In accordance with FCRA 605B theese items are supposed to be suppressed ( removed ) from my credit report as long as I have submitted required info with 4 days. The supervisor, who would not give his name, told me " anyone can get a report and claim id theft, we are not blocking your info ''. I asked him about being notified within 5 days that they are/are not blocking the info by letter, I was also told, they will not disclose any info pertaining to my account or as to their company policies.

I am demanding to have these fraudulent items BLOCKED FROM REPORTING, I followed procedures and am being denied my rights according to the law ( FCRA 605b ). Equifax, is preventing consumers like myself from remedying the disaster that ID theft has caused us financially and credit wise. If this is not settled, I will be pursuing litigation to recoup the damages they have continually cause to my credit health and reputation. This is ILLEGAL and should not be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: TX

Complaint narrative:
I had a creditor reach out to me and let me know that they needed me to " Unlock Experian Credit Report '' and underwriting could not continue until this takes place. I had never heard of this before so I got on experian 's website. There I found some information about security freezes and to call if I had any questions. So I did. I went through their automated system multiple times to find out there is no way to ask a question you can only place a freeze or remove one. To remove on you need a PIN which I never got because I didn't place the freeze, if there is one. I also tried their online portal which got me the same result. So I tried finding other phone numbers to call. In all I called 7 different phone numbers that lead me to the same automated system that will not connect you to anyone for help and hangs up on you when it can't help you. This is unacceptable from a company that controls consumer credit information. I understand they get a lot of phone calls and everyone wants to talk to a person. However, there needs to be a way to actually talk to someone and get answers to why our credit reports have been locked!

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 2018-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Monday XX/XX/2018 @ XXXX I received a notification that my credit card was used at XXXX for {$240.00} on my Chase credit card. I called XXXX to find out what it was as I didn't not have an XXXX account nor has my card ever been used on XXXX ; they said it was 2 books ordered on an account open with my name and address. They said they were closing the account as was fraudulent and start an investigation. I then called Chase credit card and they canceled my card and removed the fraudulent charge of {$240.00}. 
XX/XX/2018 another {$240.00} from XXXX posted to my reissued card. They started a " new investigation '' and denied the dispute. These are not my charges, this is fraud. Someone stole from me and I have to pay for it? This isn't right. 
Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
My daughter ( XXXX XXXX XXXX, XXXX XXXX ) was an XXXX Veteran. My daughter passed away after she came back from XXXX. My daughter used her VA Benefit to obtain a house my our family. My daughter had filed a bankruptcy before she passed away. After my daughter passed, the bankruptcy negative amount went back onto the Mortgage Loan ( VA ). The Bank of America Mortgage company is now  doing a foreclosure on the real estate my daughter purchased for me, her mother. I have been paying Bank of America mortgage payments and tried to work with them about the negative bankruptcy balance but they refuse to approve my Loan Modification Application and are going ahead with the FORECLOSURE. The  FORECLOSURE sale date is XX/XX/2018. My daughter XXXX XXXX, passed away approximately a year ago. I have my grandson living with me and we will end up homeless if our home is taken away from us. My daughter paid the Ultimate Sacrifice for her family to have a good home and Bank of America is soulless. Please help me and my family stay together in our home that my daughter ( XXXX XXXX XXXX ) intended us to. Thank you. 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 2018-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Mortgage has not sent papers to why they mailed out foreclosed documents to address that was are never been my address. Also Wells Fargo Mortgage will not send documents requested. I have requested documents and its always the same old XXXX  with them providing what requested. It seems they always mail you papers you did not ask for. also Wells Fargo does not reply back always with some computer XXXX letter there working on it. I'm tired of the lies by Wells Fargo Mortgage.

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 2018-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: RI

Complaint narrative:
XXXX XXXX established an account in my name without authorization and subsequently sent this account to collections. 

I did not agree to become indebted to XXXX XXXX. I did not authorize XXXX XXXX to create a debt in my name.

Company response to consumer: Closed with explanation