vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-10 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:
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. 

I'm very scare that someone, use my personal information and report and credit bureau. Identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Please find out whos using my personal information and I had a bad credit history on my credit history now. please help me.

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 2019-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
One Main from XXXX, Indiana is listed on my credit reports and I have never done business or obtained a loan from a company named One Main. Please delete from my credit report. I have asked them for proof of debt multiple times and have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I completed my loan agreement with Santander Consumer USA back in XX/XX/XXXX with a “XXXX” balance on the account as well as title in hand for my XX/XX/XXXX XXXX XXXX. In return Santander reported my account stating that the Payment was made after charge off which was not true at all. I have made several attempts with no avail to get the derogatory mark off my report but I either get hang up on by a agent after explaining the problem or told no changes can be made and will stay on report for seven years. I really feel like I’m being punished for something that shouldn’t be because the account was paid to term with a balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
The following fraudulent purchases were made on my credit card. Barclays Bank refuses to credit back the fraudulent charges below. 

1 ) XX/XX/2017 {$5000.00} XXXX XXXX. 

2 ) XX/XX/2017 {$5000.00} XXXX XXXX. 

3 ) XX/XX/2017 {$6000.00} 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 2019-01-10 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: AZ

Complaint narrative:
In XX/XX/XXXX, I received a letter from Capital One explaining that after an SCRA benefit was attached to my account, my interest rate was lowered to 4 % and that they now owed me {$780.00} dollars. I called them and they said they would mail the check out to me then, and it would take up to 10 business days to receive it. 3 weeks go by and I call back again. During that phone call, Im advised that they havent sent the check because my account needs to be in good standing for 3 months and that they, will send my refund check of {$780.00} dollars in XX/XX/XXXX. I call back in XX/XX/XXXX and Im advised that my account is in good standing and they will release the check to be sent out on the XX/XX/XXXX and that it will be 10 business days maximum. I call back in XX/XX/XXXX and Im told I shouldnt have waited so long for a check and they will reissue another one that day, and to wait 10 business days again. I call again on XX/XX/XXXX and Im told its been sent snail mail. It is now XX/XX/XXXX and I called again a few days ago and Im being told to wait. I have received all my monthly statements but this check is magically missing. It doesnt make sense, and I would like this looked into. I have asked on multiple occasions Ive asked for the check to be overnighted, and was told that was not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have charges on my HOME DEPOT credit card in the amount : XXXX - purchase was made on XX/XX/18 XXXX - purchase was made on XX/XX/18 XXXX - purchase was made on XX/XX/18 XXXX - purchase was made on XX/XX/18 XXXX - purchase was made on XX/XX/0818 I called the credit card company ( HOME DEPOT ) and reported unauthorized charges. 
They competed investigation and concluded that I am responsible for this charges, that I have made all these purchases. 

But I was out of COUNTRY on XX/XX/18 and I can prove it : I have an electronic ticket and stamps in my passport, I was in XXXX on XX/XX/18 the whole day and I also have a proof of it. 

This clearly means that I can not make any purchases on XX/XX/18 and XX/XX/18. I called the credit card company more than a month ago and told them about it ( that I was out of country and town ). They still did not respond to me ( more than a month ago ), but it is clear for me and for  everybody, except Home Depot company, that I can not physically make these purchases. It looks like they just disregarded my statements and still believe that I am responsible for these charges.

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 2019-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Good afternoon my name is XXXX XXXX XXXX XXXX XXXX I have been dealing with this issue for years now I have submitted all documents too XXXX XXXX discharge I receive XXXX and they are trying too garnish me I have no use of my XXXX and cant XXXX no medical insurance have too pay for everything out of pocket please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo first told me they. Any process payroll for me because I have lots of staff dont have social security numbers. At first, maybe I thought theyre Arizona based company and dont understand CA. Then I found out another different entity that I operate in WA got closed too ( all staff there have social security numbers ). I asked them why then they said because of me. 
Then about a month later, I got letters fro Wells Fargo to inform me that its their business decision to close all of my accounts on XX/XX/2019. They didnt tell me any reason but told me its their business dicision and nothing else.

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 2019-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: FL

Complaint narrative:
west lake financial I have on numerous occasions tried to have this debt removed off my credit reports from this company. It is showing that I have a total of XXXX balance on account. Please see what can be done so that the company removes this information on my report because it is negatively impacting my character they have wrote remarks on my report bad debt account and also charge off loss of profit I paid over 50 % of the loan company is fraud and needs to remove this information in reality they overcharged me the price of the car the average purchase for an XX/XX/XXXXXXXX XXXX is XXXX dollars any assistance that you can provide will be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2019, I visited the Transunion website to check my credit score and report. I've never done so before so I thought the service would be free. In addition, I don't recall entering any credit card information or seeing any warnings that I would be charged for a service. On XX/XX/XXXX, however, I noticed a charge of {$24.00} for a " subscription service '' with Transunion. I know for sure that I never would have agreed to such a price and contacted them right away. When I spoke with a representative, he said that by entering my social security number I agreed to be charged monthly. 
Obviously this is incredibly misleading at best because the website asks for your social security number on the very first page without telling you that you will be charged.

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 2019-01-10 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: MN

Complaint narrative:
I have been struggling to make minimum payments on my loan since I first graduated school. I was mislead by my school about this loan they pressured me into, trying to get me to take out even more for living expenses despite me telling them no several times, and later found out I was being charged 16 % interest on my loan while I was in school, which was then capitalized on year after year. My loans are all sitting at around 12 % interest even after being told over and over on the phone that my interest rate would be lowered to .01 % if I made on time payments for 3 months. I made the payments for 3 years and got nothing in writing despite NUMEROUS requests, and no valid proof my loan interest rates were lowered. My school has now been sued ( XXXX XXXX XXXX ) and has agreed to cancel the student loan debt of students its been charged with lying to. I believe I qualify for that discharge but because of the private loan I was pressured into I have had a very difficult time getting any help with my loan. I now owe $ 56,000+ when I originally borrowed {$32000.00} and have paid around {$12000.00} since 2008. I am calling my lender and recording the call, I will advise them I am recording it and I would like to forward that call to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
XXXX XXXX IS ATTEMPTING TO COLLECT {$290.00} FOR CREDIT CARD CHARGES THEY SAY I OWE ( FROM THE DEPT STORE KNOWN AS XXXX OF FLORIDA ). I DID NOT INCUR THESE CHARGES AND RARELY USED THE CARD. I CLOSED THE ACCOUNT WITH XXXX WHEN I MOVED OUT OF STATE. IN ADDITION, AND MOST IMPORTANTLY, I NEVER GOT A BILL FROM THE DEPARTMENT STORE! APPARENTLY, THIS IS A RESULT OF CREDIT CARD THEFT. AS YOU CAN SEE FROM MY CREDIT HISTORY, I PAY MY BILLS IN FULL AND ON TIME. 
I CALLED THE COLLECTION AGENCY TWICE TO DISPUTE THE CHARGE BUT THEY KEEP SENDING ME NOTICES IN THE MAIL EVERY MONTH.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: LA

Complaint narrative:
I made a payment to XXXX for the amount due on the due date. It was after I got home from work, about XXXX XXXX and submitted it. When I checked my statement today I saw they charged a late fee of {$37.00}. The due date was the XXXX of XXXX  and made on the XXXX. They processed it on the XXXX. When I questioned them on the charge they said I made it after XXXX  Eastern time. There is no place on the statement giving a time restriction. If that was the case they should have required it be paid a day earlier so they can do their job and post it properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a checking and saving accounts around XX/XX/2018 with Citi bank under the promotion of {$400.00} bonus with $ XXXX deposit for 2 months. I met all the requirements and confirmed by one of the representative on the online chat and confirmed that I should get the bonus by XX/XX/2018. The bonus was not posted as promised and filed a dispute. The case came back with reason that the saving account was closed which I did NOT initiate the closure of this saving account. And also at the time of the promotion in XX/XX/2018, there was no such a language that both checking and saving accounts need to be opened for the bonus to be posted. It seems like Citi has the  agenda of finding all kind of accuses NOT to pay the bonus while keeping customer 's $ XXXX for 2 months.

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 2019-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been a victim of ID Fraud back in XX/XX/XXXX-XX/XX/XXXX. During this time, there were multiple Capital One cards opened in my name without my permission. This has been proven based on Capital Ones investigation along with a copy of the police report that was given to all three credit Bureau, and Capital One took them off except 1. They left one card on my credit report stating that it was mine and instantly reported 60+ days late. Obviously this is not mine. I asked them to send me something in writing that I personally signed authorizing them to open this account. If they can not, then they must remove this account off of all 3 of the Credit reporting Bureaus (XXXX, XXXX and XXXX) immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I completed my loan agreement with XXXX XXXX XXXX back in 2013 with a “XXXX” balance on the account as well as title in hand for my XXXX XXXX XXXX. In return XXXX reported my account stating that the Payment was made after charge off which was not true at all. I have made several attempts with no avail to get the derogatory mark off my report but I either get hang up on by a agent after explaining the problem or told no changes can be made and will stay on report for seven years. I really feel like I’m being punished for something that shouldn’t be because the account was paid to term with a balance of 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 2019-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: CO

Complaint narrative:
I TRIED TO SETTLE A DEBT WITH XXXX XXXX BECAUSE THEY PUT NEGATIVE INFORMATION ON MY CREDIT REPORT AND I WAS NEVER NOTIFIED ABOUT THE DEBT IN THE 1ST PLACE. I AM XXXX MILITARY AND THIS IS AFFECTING MY LIFE. THE REP TOLD ME IF I SETTLED THEY WOULD NOT REMOVE THE INFORMATION

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 2019-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX PennyMac loan services purchased my 30-day old mortgage from XXXX XXXX that originated on XX/XX/XXXX. The original loan with XXXX XXXX came with all of the supporting documents including a Flood Certificate (Standard Flood Hazard Determination Form SFHDF, FEMA Form XXXX) indicating the insured property was in Flood Zone-X and NOT in a Special Flood Hazard Area.The day after PennyMac purchased my loan from XXXX, XX/XX/XXXX, they sent me a letter claiming that "they received a change in the Federal Emergency Management Agency (FEMA) map for my property" and that because of the “FEMA Map change”, my property was now in the Special Flood Hazard Area Flood Zone-A. As such they claimed that Flood Insurance was required immediately. PennyMac provided no proof of a FEMA map change and instead insisted on Flood Insurance coverage for the property which they claimed was now in a high-risk Flood Zone-A because of the map change. The letter claimed that they would force lender-placed flood insurance on my property if I did not provide Flood Insurance or a FEMA Letter of Map Amendment (LOMA) within 45 days.There were numerous calls to PennyMac during XX/XX/XXXX and XX/XX/XXXX (XX/XX/XXXX) asking for proof of a FEMA map change. The official FEMA website states that the map for my property (XXXX) was effective on XX/XX/XXXX and there have been no revisions since XX/XX/XXXX. PennyMac was never able to offer any proof of a FEMA map change for my property-because it does not exist. The XX/XX/XXXX PennyMac letter was pure fraud as the FEMA map had not been changed since XX/XX/XXXX.  The lender forced flood insurance is very expensive and PennyMac offered no remedies other than providing a LOMA statement from FEMA. The LOMA process at FEMA is long, expensive, and complicated. I had to hire a surveyor and it cost me $XXXX for an elevation survey and supporting documents to obtain the LOMA. The LOMA was received from FEMA on XX/XX/XXXX, but PennyMac has refused to fully refund the $XXXX premium on flood insurance they forced in XX/XX/XXXX. The remaining flood insurance premium yet to be refunded is $XXXX.What is even worse, I was never billed for the forced flood insurance, instead PennyMac re-directed additional monthly principal loan payments I made to an escrow account they created which was not part of the original note terms. Further, they have changed/increased my monthly loan payment amount to cover future flood insurance premiums even though the flood insurance was cancelled on XX/XX/XXXX will never be needed. While I have made at least thirty calls to PennyMac over the last five months, my last call was to their corporate headquarters in an effort to remedy this issue. In XX/XX/XXXX I spoke to Ms. XXXX XXXX (XXXX X-XXXX) in their “Escalations Department” who claimed to be able to help but she never called back and has failed to return my numerous voicemail messages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-10 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: NJ

Complaint narrative:
Attn Consumer Fraud Dept. 
RE : XXXX XXXX # XXXX  I am writing concerning my request that the accounts placed in collection, on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. I paid off a debt from XXXX XXXX XXXX. XXXX XXXX is reporting the debt as paid off on my credit. To all the credit bureaus XXXX EQ XXXX as you will see in the pages attached. 
1. I have attached the pages proving the CRAs reporting, thus there can be no instant changing of the account information.

2. Also attached is the response from XXXX ( the debt buyer ) to the CFPB who provided them my ID Theft report. That report shows the account was paid in full. 

XXXX XXXX Charged off the debt and sold the debt to XXXX XXXX. Selling this debt includes giving my name, ssn, addr, dob. to allow XXXX funding to extort money from me this is akin to ID Theft and violates FCRA FDCP statutes. 

611. Procedure in case of disputed accuracy ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as [ 15 U.S.C. 1681i ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NM

Complaint narrative:
I was contacted by " XXXX XXXX XXXX XXXX '' agency and was told that my current student load was with a 3rd party lender and if I changed to them it would be a direct payment and I would save money and be paid off sooner. This was my understanding of the events and I called to XXXX  today to get further information and was told that " XXXX XXXX XXXX XXXX '' business was the 3rd party and I could be paying them for years and none of my payments would be going towards my student load debt if I don't meet the qualifications for loan forgiveness. I am told that my money is instead to pay this 3rd party to shuffle papers and collect my money for it and none of my money is going towards my loans.

Company response to consumer: Closed with explanation