vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX the credit card was used to post a fraud check, from where I have no idea. Then once paid they began to charge it back up. The check seemed to clear prior to it being ran up again. 

I do n't remember exactly when they told me that a check from a payment bounced, i 'm sure it was not just a few days, more like a month or so later. I know it only takes a few days to a week for a check to clear and the person that cashes it would know if it did bounce. 

Once it " bounced '' they cut off ALL my credit cards, which put me into a bit of a financial problem. I need to use the cards because my pay for my jobs was delayed for more than 30 days often. 
I had 3 cards with them and if there was a problem with one account it should not have effected the others. I kept telling them I did n't do those things. They said it did n't matter. I just kept trying to pay them, some time with a late charge but ot 30 days late.

XX/XX/XXXX they posted the " bad '' check back onto my account and I called them and they said they opened a fraud case, but never got back to me. I tried calling them several times. I finally gave up and opened a case with the BBB, Capital one came back and said they would not doing anything about my issue. which is why I 'm reaching out to you. I have a log of activity, the BBB compliant info. I will provide you with everything I have. 

I have since XXXX-XXXX only making partial payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient claims I took out a XXXX XXXX XXXX XXXX account number # XXXX on XX/XX/XXXX for an original disbursement of {$30000.00} I have no record of ever taking out a student loan for that amount on that date or even close to it. 

In addition Navient claims I have been delinquent since XX/XX/XXXX but has never reached out to me either by phone, mail, or email. To make it worse it only showed up on my credit report as of XX/XX/XXXX when I had my credit pulled as part of a job. 

No one returns my calls as they send me to voice mail when I call their numbers soon as I enter in my account information. 

This lack of responsibility, mismanagement, and outright deception could cost me a high paying job that I qualified for based on the harm of negligence, incompetence, and complete fraud on their part. 

I dispute their legal right to collect on a loan that they made up and claim I owe due to fraud on their part. There is no paperwork showing I took out a student loan for that amount on that date as they just made up a loan. The loan amount, disbursement date, interest, loan balance, and the loan itself are all made up and are just lies. I ca n't believe this is happening in America and that this is even legal in any shape, way, or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
This all started on XX/XX/XXXX I kept getting charges from XXXX so I went to the bank to case and reopen a new account. I was told by the banker and given a paper that he informed social security of my new account and i need not to do anything, on XX/XX/XXXX I recieved  a check and deposited it via photo deposit and called later that day and was told the funds would be available on the XX/XX/XXXX on the so checked the next day and there was no funds available so I called and was told that there was a restriction on my acct and its about to be closed due to fraudulent deposit. so when I told her it was given to me by my insurance and it was a chase check then they transferred me to someone in the fraud dept and she verified the check and lifted the restriction in the process i had written a check for the rent and also my insurance. i get my debit card on the XX/XX/XXXX and when I went to activate the card it had been deactivated and my account was going to close again so I went to the branch and spoke with one of the bankers and he said it was a bank error and that the account should have not went through all that and I get a text from my rent office saying that my payment was returned on a closed account and now I have late fees and I showed iI cant afford to pay my renters insurance all the extra money and fees I had to pay because of the banks error had caused me not to be able to buy my family XXXX gifts so now its XX/XX/XXXX and I wake up to no direct deposit went to social security and they tell  me chase has not sent anything over to change my account and also they don't have the authority to do that so he dont know why they are telling customers that only they can change banking information and my social security has been sent to the closed account so fI call customer service and they are telling me they can help me and it going to take 3-5 business days for it to get sent back and then thy will return.I then asked to speak to a supervisor that then said she could not help so the 3rd person I asked if she could transfer from the old account to the new and she finally got the ok to do it by this time I am at the branch and the funds are not available and I am talking to the man that tes me he sent over my direct deposit information to social security and they never got it so he go to the supervisor and she says since she can see it she will give it to me for the banks error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are multiple inquiries from he following companies - i did not authorize these requests for credit. I'm attaching the identity theft report - i did not authorize these companies to pull my credit and a lot of the companies are listed as duplicates the companies are as followed: XXXX XXXX,  (2) XXXX,  (4) XXXX XXXX, XXXX XXXX XXXX XXXX (5) XXXX XXXX XXXX, (4) XXXX , (2) XXXX XXXX XXXX XXXX,  XXXX XXXX  XXXX , XXXX XXXX XXXX,  (3) XXXX  XXXX XXXX, (3) XXXX XXXX  XXXX XXXX XXXX,  (3) XXXX  XXXX XXXX, XXXX XXXX XXXX,  XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX XXXX,  XXXX XXXX , XXXX XXXX (2) i would like them removed from my credit file

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 2018-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for Citi Simplicity Visa on XXXX XXXX, 2017 & received denial letter dated, XXXX XXXX, 2017 with reasons for denial : I filed bankruptcy & citi account was included. Previous or existing citi bank cards have past due late payments, & current credit account use is restricted. I have all 3 credit recent reports and NONE of these are on any of them, nor have a filed bankruptcy. I called the number on the letter, XXXX & was told by representative he needed to transfer me to another rep. While on hold I hear a recording saying this is an attempt to collect a debt. XXXX answered indicates he is in Citibank in XXXX. I dont have any derogatory accounts, collections, or public notices on any 3 reports.I told XXXX my concern was that online I attempted to check application status and my info was not what they had on file. Ie, birthdate, phone number, & zip code. I asked him for his address in XXXX. He gave me Citibank in Kansas. I asked him what account from Citi is he attempting to collect on, and he never told me. He also REFUSED to let me speak to a supervisor nor give me his phone number or his supervisors number. Also after calling the number on the denial letter, the automated system directs you to call XXXX for application status. I have good credit never late. Obviously, they are not denying me based on whole or in part of ANYTHING IN ANY OF MY 3 credit reports. Im being denied credit based on lies.

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 2018-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
I have set up an account on Coinbase and used it to sell Ether coins for a value of {$5000.00}. My phone later stopped working, which lost me access to my account, as I had been using 2-Factor Authentication through a secure app. 

As it happens, I live in a different country than the one who issued my ID. This is one of the use cases for which Coinbase does n't offer a way to regain access to your account, as described here. https : //support.coinbase.comXXXX The customer support has not been responding to any of my emails since then, for a month now. My account is still unaccessible and my funds are locked away. I am now demanding access to my account or full transfer of the funds to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX, I called Equifax to remove inquiries that I did not authorize. I ask to speak with a US Representative. I was connected to a US.representative and as she was confirming the inquiries which inquiries needed to be removed the call got disconnected. I called back and was connected to different US Representative.  I explained to him what happened and how the previous US  was in process of removing the unauthorized inquiries that were reporting on my credit report. He told me that he was not able to delete or dispute inquires.  I explained to him that the previous representative was in the process of deleting my unauthorized inquiries and how is it that the  previous US Representative I was speaking to could delete inquires but he wasn't able to.  The US Representative was very rude and didn't care to help me address this issue.  He stated that I could not be connected to the previous US Representative.  There is a total of of 15 inquiries from XX/XX/XXXX-XX/XX/XXXX from car loan places and financial loan companies in which I did not authorize to pull my credit. •	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX ( XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: SC

Complaint narrative:
I pulled my reports and noticed several unauthorized inquiries from several different companies. Ive tried disputing those inquiries with the bureau who just replies back with there valid and to contact companies. Ive tried contacting companies with no response. Also a few accounts reporting that Im aware of that bureaus just respond back with there valid but with no prof or actual validation. I have the right to report anything on my reports thats not suppose to be there n request to have deleted. Having these negative items posting on my reports does do much damage to my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: CITIBANK, N.A.
State: WA

Complaint narrative:
RE: Citibank Credit Cards;I had my account on auto-pay when something caused the payment to not go through (XX/XX/XXXX  payment was rejected); I was NOT notified via phone of the issue, as I had previously asked. I opted out of auto dialer several times as I do not answer solicitation calls and they do not leave proper messages. I had asked them to call only with a live person if there was an issue with my account. When I called in they told be they used the auto dialer, of which I never received a message from CitibankThey reported me 30 days late to the credit agency without proper notification of being late. I had even logged on to check the account (since they did this one other time) and there was no notification that the payment was late or that the payment has been rejected. I have pictures of the screen to prove it.  This is deceptive practices and I feel I have not been protected as a consumer. I feel they are intentionally not making it apparent that the payment is late to get paid fees and penalties. They intentionally made it difficult see the payment was returned! I checked the website after the payment was supposed to go in XX/XX/XXXX  and again inXX/XX/XXXXand the system gave no indication the payment had not posted. I only noticed because I had not used the card and the balance increased from fees. I was 55 days behind with no knowledge. I have perfect credit other than this creditor, including holding many other cards that have never had this issue.The shady part was the transaction and activity section did not show any returned payments or a fees until AFTER I closed the account and paid it off.  This is a BIG issue for consumers and I feel they need to be investigated for this.

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 2018-01-03 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: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
This company fraudulantly posted a collections account on all three of my credit reports. I do not who this company is, and, did not give them ANY permission, nor did they aquire my signature to post information on my credit report. Under The Fair Credit Debt Pactices Act, and, The Fair Credit Reporting Act. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I do n't have much information on this account, i just saw it pop up on my credit report. This debt is not mine. I do n't owe anything.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is a tax lien that was paid and canceled with the state of XXXX in 2013. I have the letters from XXXX County XXXX Department of Revenue stating that the lien was canceled. I contacted the credit reporting companies and only one would remove the canceled lien. This lien is keeping my wife and I form buying a house and I have tried everything to get us here.

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 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX two checks were stolen from a company called XXXX XXXX XXXX and cashed under my mothers name at a Wells Fargo bank. These checks were fraudulent and my mother did not cash them. The company filed for fraud and their claim was settled on XX/XX/XXXX. To settle this claim the took the money from a teen acount that had my mothers name on them even though she is not the one who cashed them. This caused these accounts to be overdrawn by {$600.00}. The bank did not notify me that they were taking this money or investigating my accounts. We called them and started an investigation on XX/XX/XXXX. They said that an investigator would call within one to two buisness. However, they did not call and instead re-investigated the orginal claim. We attempted to start the investgation again and was told that they would call within one to two buisness days. However, once again they have n't called. We have coppies of the checks which were hand written. They do not have check numbers, the addresses are different on both of them, the signature does not match my mothers, and the memo on one says weekly wage while the other says employee wages. These checks were also made out within two days of eachother and cashed on the same day of XX/XX/XXXX. One check was written out to the amount of {$270.00} and the other was written out to the amount of {$400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
on XX/XX/XXXX my husband and daughter traded in her XXXX XXXX to XXXX XXXX dealership. On XXXX XXXX XXXX XXXX sent a payoff check to XXXX XXXX to pay the loan in full for the trade in. To this date, XX/XX/XXXX, this loan has still not been paid off! This has resulted in late charges, extra interest accrual as well as HARMFUL credit reporting on my husband and my daughter and has already affected both of their credit scores. I have called both XXXX XXXX and XXXX XXXX multiple times. I even went to XXXX  XXXX and they did show me copies of the XXXX XXXX  and the check that was sent to XXXX. XXXX  was very rude and unhelpful and kept collection calls coming in. I asked them to notate their system MULTIPLE times and all they kept telling me was to keep making the payments if I did not want out credit affected. I did not have the money for that and also did not feel that was right to us as customers. XXXX XXXX called me in XXXX, I do not recall the exact date and told me the car was in jeopardy of being repossessed. I have explained to them over and over that we did not have the car any longer. I called XXXX XXXX today and was told they had to stop payment on the original check and send a new one which should have been rec'd yesterday by XXXX. I do realize it was the holidays and things are slow but this is my husband and daughter's credit and also a lot of stress on us and on my marriage. I feel XXXX is totally incompetent and keeps losing these checks this loan will never get paid off. I also do not have trust in them to correct our credit if and when this loan is ever paid off! From the last statement rec'd on XX/XX/XXXX they were asking for XXXX and had as at 3 months due. My daughter was never late on her car payment not one time the whole 2 years she owned this car! she is XXXX and had a credit score of XXXX before all of this nonsense! she has now been alerted by XXXX XXXX that her score has dropped. I want these people to be held accountable for all they have put us through! we should not be punished for buying a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Last summer sometime around XX/XX/XXXX-XX/XX/XXXX I began monitoring my credit reort and disputing accounts that were n't mine due to my identity being compromised/stolen and having no knowledge of the accounts on my report. 
I disputed the accounts with EQUIFAX and the disputed accounts were XXXX XXXX XXXX for {$260.00} and {$200.00}. XXXX XXXX Solutions for double charges {$500.00}, {$500.00}, {$340.00}, {$340.00}, {$180.00}, {$180.00}. XXXX XXXX XXXX for {$140.00}, {$130.00}, {$15.00}. XXXX XXXX for {$65.00}, {$65.00}. XXXX XXXX {$68.00}, {$68.00}. 
It took me a while to notice due to just XXXX XXXX XXXX XX/XX/XXXX and not checking my report for a while but in XX/XX/XXXX I noticed these accounts were reinserted onto my credit reports without any documentation supporting accuracy for re-inserting the negative credit items or any notifications from the creditors nor the bereau but I have letters published on the dispute website from Equifax that these accounts were deleted.

Company response to consumer: Closed with explanation