vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-30 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: TX

Complaint narrative:
On XX/XX/2018 I submitted a debt validation letter to XXXX XXXX XXXX for account ending in XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus advised me to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, ad since that date the item has not been removed from my credit report and XXXX XXXX credit has failed to provide any validation of debt as requested. I have attached a copy of the company 's response which basically advises me that if I disagree with their failure to provide validation. I should contact the credit bureau to submit a dispute with them directly. I have sent debt validation request to the credit bureaus as well as directly to XXXX XXXX XXXX, with no resolution. Each company passing responsibility on to the other while they continue to report false negative information on my credit report. I have not applied for any credit with XXXX XXXX XXXX, and they can not produce any application with my correct name, address, or social because no such application exists. I am filing this complaint to resolve this situation before I am forced to pursue legal action against the credit bureaus as well as XXXX XXXX XXXX for violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I submitted a debt validation letter to XXXX XXXX XXXX for account ending in XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus advised me to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, ad since that date the item has not been removed from my credit report and XXXX XXXX credit has failed to provide any validation of debt as requested. I have attached a copy of the company 's response which basically advises me that if I disagree with their failure to provide validation. I should contact the credit bureau to submit a dispute with them directly. I have sent debt validation request to the credit bureaus as well as directly to XXXX XXXX XXXX, with no resolution. Each company passing responsibility on to the other while they continue to report false negative information on my credit report. I have not applied for any credit with XXXX XXXX XXXX, and they can not produce any application with my correct name, address, or social because no such application exists. I am filing this complaint to resolve this situation before I am forced to pursue legal action against the credit bureaus as well as XXXX XXXX XXXX for violating my rights as a consumer.

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 2018-09-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
DEAR CFPB- This is a Follow-up on our XX/XX/2018 Complaint - # XXXX about Capital One Card services. 

( The CFPB site does not have a way to submit follow -up documents and this is a very large claim, and you have said that Capital One Financial Corp is 'still working on our issue ' ). 

We received a Letter from You Dated XX/XX/2018 and would like to provide some further documents and evidence, on our Case against - CAPITAL one for the forced- Rebill of {$2300.00} that we do not owe! 

Please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I paid off both student loan accounts with Navient ( servicer ) in XX/XX/ by requesting a loan payoff amount directly through Navient 's website. In XX/XX/XXXX, I received a loan payoff confirmation letter, but it only confirmed that one of my accounts was paid off. ( See attached copy ). Then, mysteriously, my account reflected that I had a several XXXX dollar rebate credit, which would be sent to me. When I contacted Navient regarding the rebate, they acknowledged that it was in error and that my student loans were both paid off on full, and that no further payments were required. 

Then on XX/XX/XXXX, I received a statement from Navient stating that I had further payments due, and that I needed to pay {$49.00} in my next monthly installment, which would be due XX/XX/XXXX ( yes, XX/XX/XXXX, not XX/XX/XXXX or XX/XX/XXXX ). I then called Navient on XX/XX/XXXX, and spoke to Navient employee no. XXXX regarding various accounting discrepancies. She acknowledged that Navient was in error and that I would receive revised statements reflecting a zero balance. I requested a full accounting be provided from the beginning of the loan to the present, reflecting loan disbursement amounts as well as all payments applied to the loan. She said the accounting would be provided on XX/XX/XXXX. 

To date, I have not received the requested accounting from Navient. According to Navient 's online statements, I have calculated that I overpaid my loan accounts by somewhere between {$480.00} - approximately {$610.00}, but it is unclear from Navient 's records what the exact amount is. Receiving an accounting would help clarify what amount has been overpaid. 

I believe I am owed a significant overpayment check from Navient, but have not received the accounting I have asked for nor any over-payment check. I would like both of those as soon as possible, given my loan payoff in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-30 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: DISCOVER BANK
State: GA

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that a fews agency show credit inquiries that I find to be problematic. I have no recollection of doing any business with XX/XX/18 XXXX XX/XX/18 XXXX Dc XX/XX/18 XXXX XX/XX/18 XXXX Fa XX/XX/18 Discover Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
The was saying I have a balance of XXXX to XXXX. I have no idea about this account. I have not used XXXX XXXX over 2 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2018 I submitted a debt validation letter to Transunion and XXXX XXXX XXXX for account ending in XXXX. This account has been reporting as negative on my report and I have disputed it with Transunion in the past. I was advised to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, ad since that date the item has not been removed from my credit report and XXXX XXXX credit has failed to provide any validation of debt as requested. I have attached a copy of the company 's response which basically advises me that if I disagree with their failure to provide validation. I should contact the credit bureau to submit a dispute with them directly. I have sent debt validation request to the credit bureaus as well as directly to XXXX XXXX XXXX, with no resolution. Each company passing responsibility on to the other while they continue to report false negative information on my credit report. I have not applied for any credit with XXXX XXXX XXXX, and they can not produce any application with my correct name, address, or social because no such application exists. I am filing this complaint to resolve this situation before I am forced to pursue legal action against Transunion as well as XXXX XXXX XXXX for violating my rights as a consumer.

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 2018-09-30 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Dear Consumer financial protection Bureau, I was tricked into " GO PAPERLESS '' on " CITI Card " web site, ( Citi Credit Card ) I did not intend to GO PAPERLESS, no Statement, no payments lead to bad credit, over a {$120.00} amount! 
obviously i paid in full immediately as soon as i found out about this i have maintained perfect credit for 30 years, this silly mistake ruined my credit, Citi card bank won't take any actions to correct the issue, on XX/XX/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 2018-09-30 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: TX

Complaint narrative:
On XX/XX/2018 I submitted a debt validation letter to Wells Fargo for account # XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus XXXX and XXXX advised me to dispute this information directly with Wells Fargo, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, and since that date the item has not been removed from my credit report and Wells Fargo has failed to provide any validation of debt as requested. I received a letter from Wells Fargo showing an application for XXXX XXXX at an address that does not belong to me, along with a phone number that does not belong to me. I have attached that letter to this complaint. The address is XXXX XXXX XXXX # XXXX XXXX Texas XXXX. I do not live at this address and I am not associated with XXXX XXXX that lives at this address. I have disputed this same address and other accounts with XXXX and XXXX. I feel they are using this address to verify debt that does not belong to me. I have sent in copies of my current state identification, as well as utility bills showing my correct address to XXXX as well as XXXX. Wells Fargo is using name similarities, and an address that does not belong to me to justify reporting this account as mine. Neither my social security number nor my XXXX identification number are listed anywhere on this application. This is not accurate debt validation and should be 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 non-monetary relief
Consumer complaint received 2018-09-30 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that a fews agency show credit inquiries that I find to be problematic. I have no recollection of doing any business with XX/XX/18 XXXX XX/XX/18 Syncb/tjx Dc XX/XX/18 Syncb/lowes XX/XX/18 XXXX Fa XX/XX/18 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 non-monetary relief
Consumer complaint received 2018-09-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX account no.XXXX .... is wrongfully appearing on my Experian credit report.XXXX XXXX , a bank recently notorious for cheating customers on automobile loans, regardless of scrutiny and fines paid is continuing to cheat customers. 
My 48 month auto loan was paid off.After receiving clear title, the pink slip from XXXX XXXX a mysterious, undisclosed, unaccounted for fee for {$190.00} dollars ( now {$250.00} ) was assessed and is appearing on my credit report.Regardless of numerous disputes for XXXX XXXX fraud to Experian the account remains on my credit report.At the least this account should be immediately deleted and XXXX XXXX, who are thieves, from the top of the company executives on down should continue to remain under CFPB scrutiny for possible criminal charges or closing the bank to their operations in automobile lending.

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 2018-09-30 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: MO

Complaint narrative:
I am a lawyer representing my daughter on this claim ( and I am now the subrogee ). On XX/XX/2018, my daughter noticed almost {$800.00} in fraudulent expenses charged against her debit card issued by TD Bank. She notified the bank immediately. On XX/XX/2018, TD Bank denied her claim. In the letter of denial, TD Bank wrote : " You have the right to request documentation used to make our decision. '' The letter had a phone number at TD Bank at which we could call to ask questions. On XX/XX/XXXX ( before receiving the XX/XX/XXXX letter ), we reached that number and requested documentation of the reasons for the denial. The TD Bank representative said the information would be sent to us, but this did not happen. We wrote to TD Bank on XX/XX/XXXX specifically requesting the information. TD Bank did not reply to this letter. On XX/XX/XXXX, we both called and wrote to TD Bank reiterating this demand for the documentation of the denial. Again, TD Bank did not reply. Four months later, TD Bank is still refusing to explain ( or is unable to explain ) the reason for its action. 
In brief, my daughter suffered a theft from her checking account due to fraudulent use of her debit card. This caused her hardship. She complied with all procedures for submitting a claim. TD Bank is now ignoring our requests for the documentation they promised to provide. This refusal is unacceptable and, we believe, contrary to law. 
We ask for your help in requiring TD Bank to provide the promised documentation of the reasons for its denial of my daughter 's claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
I sent the money to XXXX through bank to bank transaction with XXXX XXXX on XX/XX/XXXX. It informed me that it will take upto 5-7 days. I wrote my issue online to them where they replied saying they will have an answer within 24 hours but never contact me. I called the company after 7 days to address the problem that the receiver has still not received the fund transferred in their bank account. They just emailed me a form with the status that the money is transferred successfully! 
This is the slowest company I have ever used the service of ( even to respond to the issues ) I just demand my money back and will not use XXXX XXXX ever because they do not have a proper system of resolving their customers ' issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Dealer Services account no.XXXX .... is wrongfully appearing on my XXXX credit report.Wells Fargo , a bank recently notorious for cheating customers on automobile loans, regardless of scrutiny and fines paid is continuing to cheat customers.

My 48 month auto loan was paid off.After receiving clear title, the pink slip from Wells Fargo a mysterious, undisclosed, unaccounted for fee for {$190.00} dollars ( now {$250.00} ) was assessed and is appearing on my credit report.Regardless of numerous disputes for Wells Fargo fraud to XXXX the account remains on my credit report.At the least this account should be immediately deleted and Wells Fargo, who are thieves, from the top of the company executives on down should continue to remain under CFPB scrutiny for possible criminal charges or closing the bank to their operations in automobile lending.

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 2018-09-30 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:
On XX/XX/2018 I submitted a debt validation letter to XXXX XXXX for account # XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus XXXX and Transunion advised me to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, and since that date the item has not been removed from my credit report and XXXX XXXX has failed to provide any validation of debt as requested. I received a letter from XXXX XXXX showing an application for XXXX XXXX at an address that does not belong to me, along with a phone number that does not belong to me. I have attached that letter to this complaint. The address is XXXX XXXX XXXX # XXXX XXXX Texas XXXX. I do not live at this address and I am not associated with XXXX XXXX that lives at this address. I have disputed this same address and other accounts with XXXX and Transunion. I feel they are using this address to verify debt that does not belong to me. I have sent in copies of my current state identification, as well as utility bills showing my correct address to XXXX as well as Transunion. XXXX XXXX is using name similarities, and an address that does not belong to me to justify reporting this account as mine. Neither my social security number nor my XXXX identification number are listed anywhere on this application. This is not accurate debt validation and should be 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 2018-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I submitted a debt validation letter to XXXX XXXX for account # XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus Experian and XXXX advised me to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, and since that date the item has not been removed from my credit report and XXXX XXXX has failed to provide any validation of debt as requested. I received a letter from XXXX XXXX showing an application for XXXX XXXX at an address that does not belong to me, along with a phone number that does not belong to me. I have attached that letter to this complaint. The address is XXXX XXXX XXXX # XXXX XXXX Texas XXXX. I do not live at this address and I am not associated with XXXX XXXX that lives at this address. I have disputed this same address and other accounts with Experian and XXXX. I feel they are using this address to verify debt that does not belong to me. I have sent in copies of my current state identification, as well as utility bills showing my correct address to Experian as well as XXXX. XXXX XXXX is using name similarities, and an address that does not belong to me to justify reporting this account as mine. Neither my social security number nor my XXXX identification number are listed anywhere on this application. This is not accurate debt validation and should be 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 non-monetary relief
Consumer complaint received 2018-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Sortis Financial, Inc.
State: PA

Complaint narrative:
The last 12 months, since XX/XX/XXXX to XX/XX/XXXX of my mortgage payments, no match with the Loan History report on same dates. 

Payments sent 12 by {$790.00} each, total {$9500.00} VS. 
The Loan History reported by 12 months, between the balance of XX/XX/XXXX ( {$59000.00} ) to the balance of XX/XX/XXXX ( {$51000.00} ) the amount of {$7400.00} Then, there is a amount of {$2000.00} no accounted. 

The company involve in this complaint is Sortis Financial/ClearSpring ( Phone, XXXX ) XXXX XXXX XXXX Mortgage, loan account XXXX XXXX Note : for this inconvenience i think that my Loan History have several mistakes. Moreover, i had many payments problems with this company. This Server transferred me to XXXX XXXX XXXX on two dates XX/XX/XXXX and XX/XX/XXXX, and the transference is not finishing so far XX/XX/XXXX. 
Consequently, I behind of my payments since XXXX. 

I tried to fix my problem by phone with XXXX XXXX and XXXX XXXX XXXX without success.

Company response to consumer: Closed with explanation