vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: OH

Complaint narrative:
On XX/XX/XXXX I purched a new car and was put on my fiance insurance. And was told that I had an accident on XX/XX/2017. I have never had a license or driven in my life. I called lexisNexis on the XXXX of XXXX to dispute the accident claim and was told that it happened to a person with the same name but opposite gender as me in a state I've never resided in. A month later I was informed that the dispute was denied due to my relation with someone I do not know. I have reopened the claim on XX/XX/XXXX and got denied again and reopend on XX/XX/XXXX and currently have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: VA

Complaint narrative:
There's unknown incorrect unauthorized accounts wrongfully reporting on my credit file and I'm demanding that these accounts be removed as pursuant to the laws of the FCRA. Please block the following. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: VA

Complaint narrative:
There's unknown incorrect unauthorized accounts wrongfully reporting on my credit file and I'm demanding that these accounts be removed as pursuant to the laws of the FCRA. Please block the following. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. 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 2020-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
Starting in XX/XX/XXXX, I began disputing a XXXX XXXX Credit Card account with the credit bureaus. This account was fraudulently opened using my personal information. All required documentation was provided, including my FTC report and a copy of my ID to validate my personal information including my address. The CRA 's immediately blocked this fraudulent account and provided all information to XXXX XXXX per my request. XXXX XXXX sent me a letter on XX/XX/XXXX confirming they were investigating everything, and on XX/XX/XXXX they sent another letter confirming their investigation was complete and they concluded I am still responsible for the account. No documentation was provided. 
On XX/XX/XXXX I received a letter from XXXX XXXX, stating that my account was at risk of being referred to a collection agency. 

On XX/XX/XXXX I sent a letter to XXXX XXXX requesting reinvestigation, and reiterated that I am a victim of identity theft and requested all specific records and documentation from their investigation pursuant to Section 609 ( e ) of the Fair Credit Reporting Act. I made sure to include all required documentation to support my claim for identity theft, including 1. A copy of my drivers license & social security card 2. A completed and signed FTC Identity Theft Report. 

XXXX XXXX wrote back on XX/XX/XXXX with the exact same letter as what was sent on XX/XX/XXXX. Absolutely zero changes made, and no further documentation was provided. 

As of XX/XX/XXXX, I received my first communication from a debt collection agency named GC Services Limited Partnership. This agency made claim that the XXXX XXXX  credit card account was referred to them. 

The actions taken and NOT taken by XXXX XXXX are a serious violation of the law. As a victim of Identity theft the law clearly states that once the proper documentation was provided to XXXX XXXX they are NOT supposed to sell or charge off the account. They did it anyway. AND they failed to provide ANY documentation in any of their communications to me to substantiate their investigation. Instead they provided their insight on what they think really happened when they KNOW that is NOT what the law requires them to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NC

Complaint narrative:
I was late on paying my Discover account due to trouble making payment through the discover app. I was charge a late fee of XXXX XXXX. Which was refunded. But my minimum payment went up by XXXX XXXX  for the next month. Upon Discovers policy there calculations for late accounts you have to pay XXXX XXXX   plus an extra XXXX, plus 2 percent of Balance owing that goes towards balance owing. Upon this calculation you are paying an additional XXXX XXXX  plus on top of the monthly minimum due balance which is going to the balance owing. I was late paying XXXX 's minimum amount due. Therefore, XXXX 's payment has been increased by XXXX XXXX. Eventhough it goes to my balance owing and not to Discovers pocket for late charge ; I am still being charge a late fee in another form of punishment for paying late. Discover calculations on late payments practices should be reviewed period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I bank with Wells Fargo, I am a 100 % service-connected XXXX Veteran and I have encountered so many problems with this banking institution. On XX/XX/2020 @ approximately XXXX XXXX, I contacted WF bank to confirm verify my checking account routing/account information for the Stimulus Economic Impact Payment. I told the representative why I needed to verify and I was given incorrect information twice, not once but twice and then told by the representative, " Good luck with that '', in a recorded conversation, as if they knew it was the wrong information given to me. 

When I called the bank to rectify the situation and requested that someone contact the ACH delivery department/Exceptions dept re-route my incorrect routing/account number to the correct routing/account number, by the way, WF bank publicly advertises to be the originator largest in America ACH over XXXX XXXX transactions ... .., I am told that nothing can be done. 

I am on a fixed income and during this coronavirus pandemic I am having difficult times financially due to crisis everything XXXX down etc. 

My finance problems are now compounded due to unprecedented unprofessionalism by Wells Fargo and in my opinion, just blatant disregard or care for me as a customer or being XXXX. I have never encountered anything remotely close to the disrespectful, unprofessional and unethical demeanor/behavior towards me as a customer/consumer from any other institution ever. The lack of professionalism is repulsive unethical. As a XXXX person having difficulty navigating through these obstacles ACH and during covid19 crisis, the representatives for the most part are neither caring, nor seem to care none whatsoever in how they speak too or relay banking information in a professional proper manner. 

As a result of the carelessness and recklessness disregard of Wells Fargo, I am now going to have to wait weeks maybe months to recieve a stimulus Impact Payment I could have recieved on XX/XX/2020 but now because of intentional wrong routing/account information given to me now I have only {$8.00} in one acount and {$18.00} in another account while Wells Fargo Bank could careless and talks down to me like I am a peasant. 

Please help

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 2020-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Hi I have been trying to come to kind of agreement with Santander I am sick this is preventing me from doing anything with my life these people say that when the car got repossessed it had damages etc and that was not true and they could not prove it and added more money to what it actually is the only reason I didnt keep this car its because of the fraudulent dealer I got it from called XXXX and they had agreed to pick the car back up. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I spoke with representative from the company advising them that I had been very sick and was in the hospital. Currently out on a leave from my job. I asked them if they could help me out with the covid19 situation thats going on right now. The first guy I spoke with said that hes notate my account and try to work with me. The very next day, another representative from this company who was very hostile and rude basically told me that they arent helping me and I would be getting daily late fees. DAILY LATE FEES DURING A WORLDWIDE PANDEMIC. I truly dont understand who has a heart to not want to help their customers. Providing information on covid19 on their website but not helping ANYONE. This is a very tough time and their actions shocked me. I ended up having to take out a loan from my 401k so that I could try to make the payments. Companies like this SHOULD RECEIVE NO BAIL OUT/STIMULUS MONEY because they are NOT for the people. Can you please look into the complaints and see how they go about running their fraudulent business adding numerous fees, and ridiculous interest rates?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Repeated, automated telephone calls between 5 and 10 times a day. They were verbally instructed to stop calling, but the harassment has continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I was once a memeber of Navy Federal back in XXXX, I went out one night in XXXX, FL ( the biggest scam city ) and someone started depositing fake checks into my account and making transactions. I XXXX everything down like I was supposed to and contacted navy federal immediately. An investigation was open but no one ever reached out to me about my case I found out that my account was closed and that I would be left with the {$500.00} balance In order to get my bank account back. I have been reaching out to the bank for years and still nothing but I am responsible, I havent had a bank account since because Im too afraid and it seems like I cant get one. I also was able to request the fake checks they were sent to my house just to show as proof that this isnt my handwriting. Im XXXX XXXX XXXX and its sad to say but I dont even know how to write a check. I just want my bank account back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I opened a Capital One credit card account on XX/XX/XXXX. Capital One entered a complaint with the court on XX/XX/XXXX for the past due amount of {$6600.00}. On XX/XX/XXXX Capital One agreed to settle the account in full for {$3800.00}. Payments were made to Capital One as agreed and therefore Capital One filed a motion to dismiss the complaint on XX/XX/XXXX. However, Capital One is still reporting an unpaid balance due of {$2800.00}. I have disputed this as inaccurate with the 3 credit bureaus to no avail. I am requesting that Capital One be persuaded to report the account accurately, that the account was legally paid in full for less than the full balance and the current balance is {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Starting in XX/XX/XXXX, I began disputing a XXXX XXXX/Citibank Credit Card account with the credit bureaus. This account was fraudulently opened using my personal information. All required documentation was provided, including my FTC report and a copy of my ID to validate my personal information including my address. The CRA 's immediately blocked this fraudulent account and provided all information to XXXX XXXXCitibank per my request. XXXX  XXXX/Citibank sent me a letter on XX/XX/XXXX confirming they were investigating everything, and on XX/XX/XXXX they sent another letter confirming their investigation was complete and they concluded I am still responsible for the account. No documentation was provided. 
On XX/XX/XXXX I received a letter from XXXX XXXX/Citibank, stating that my account was at risk of being referred to a collection agency. 

On XX/XX/XXXX I sent a letter to XXXX XXXX/Citibank requesting reinvestigation, and reiterated that I am a victim of identity theft and requested all specific records and documentation from their investigation pursuant to Section 609 ( e ) of the Fair Credit Reporting Act. I made sure to include all required documentation to support my claim for identity theft, including 1. A copy of my drivers license & social security card 2. A completed and signed FTC Identity Theft Report. 

XXXX  XXXX/Citibank wrote back on XX/XX/XXXX with the exact same letter as what was sent on XX/XX/XXXX. Absolutely zero changes made, and no further documentation was provided. 

As of XX/XX/XXXX, I received my first communication from a debt collection agency named XXXX XXXX XXXX XXXX. This agency made claim that the XXXX XXXX/Citibank credit card account was referred to them. 

The actions taken and NOT taken by XXXX XXXXCitibank are a serious violation of the law. As a victim of Identity theft the law clearly states that once the proper documentation was provided to XXXX XXXXCitibank they are NOT supposed to sell or charge off the account. They did it anyway. AND they failed to provide ANY documentation in any of their communications to me to substantiate their investigation. Instead they provided their insight on what they think really happened when they KNOW that is NOT what the law requires them to do.

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 2020-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020, I made some purchases at Kohls and there was a promotion to save additional money if you open a Kohls charge account. I opened an account at the store to pay for the purchases that day. I then received a statement on XX/XX/2020, with a late fee. Apparently, the cycled my billing period on the same day that I made the purchases ( XX/XX/2020 ) and they charged me a late fee before I even received the bill or the physical card. 

I called to have them correct the problem and they stated they would remove the late fee and I paid off the complete balance. I even paid them {$1.00} in interest because they could not remove it, even though it should not have been charged because they closed the billing cycle the day I opened it. I tried to access my account online but could not because I had not received the card. 

Two months later ( Tuesday, XX/XX/2020 ), I received the first and only email from Kohls stating that I needed to make a payment. I called them again and apparently they hadn't removed the late fee and had charged me another late fee on top of the initial, erroneous late fee. They stated they would remove the late fee again and to check back before the billing cycle date on the 11th to be sure it was removed. I finally got access to my Kohls account online but there are no statements available. 

I tried to call back on Friday and after 40 minutes on hold I hung up. I tried to call back again on Monday and hung up after 20 minutes on hold. 

Finally, on XX/XX/XXXX I got through to a representative in a reasonable amount of time and after an hour+ on the phone the explaining to the representative the problem, he was able to confirm that my account was paid in full, that they closed my billing cycle the day I opened my account, and that they failed to remove the initial late fee. 

I explained to the rep that I have an XXXX credit score and that they need to correct my credit file if they report me as past due. The rep stated they would submit a case to have the issue corrected but now my credit report shows a late payment and they dinged my excellent credit. 

Kohls has failed to address this issue in a satisfactory manner, they have no escalation measures to address these types of predatory practices and they have not taken the steps they stated they would correct their errors. My account now shows a {$0.00} balance but my credit score is now at XXXX down from XXXX according to XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-19 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: Ocwen Financial Corporation
State: IN

Complaint narrative:
On XX/XX/XXXX I filed XXXX XXXX Bankruptcy. According to United States Bankruptcy code all my property became assets of the state and was overseen by the trustee to whom I made my mortgage payments. My bankruptcy was then dismissed on XX/XX/XXXX. All my mortgage payments during this 10 month period were made to the bankruptcy trustee and not to PHH Mortgage. After the dismissal, per bankruptcy code, the trustee then disbursed the mortgage payments to PHH Mortgage on XX/XX/XXXX totaling {$11000.00}. These payments were rejected by PHH Mortgage. PHH has consequently reported me late to the credit bureaus for XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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:
ftc violations and case that pertaining to my case attached in XXXX of XXXX, XXXX  announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

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 2020-04-19 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:
ftc violations and case that pertaining to my case attached in XXXX of XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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:
ftc violations and case that pertaining to my case attached in XXXX of XXXX, XXXX  announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal  Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

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