vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One put a block on my Capital One 360 card due to fraudulent activity. They told me they would send a new card within 3-5 business days. However, they originally sent me a card with the exact same card number so they had to send me out another card which I still haven't received and now I am going on the 6th business day with no access to my checking account. Capital One originally offered to expedite a new card to me for a {$25.00} fee. That is my complaint. This is an unfair practice. They should not charge me a fee in order to access my account.  They should be willing to get my card to me as fast as possible in order to access the funds in my account after fraudulent activity has occurred in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following companies checked my credit on those dates and I do not recognize them or can acknowledge. 

On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX XXXX   On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXXXXXX XXXX On XX/XX/2018 XXXX  XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX   On XX/XX/2018 XXXX On XX/XX/2018 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The following companies checked my credit on those dates and I do not recognize them or can acknowledge. 

On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX XXXX   On XX/XX/2018 XXXX XXXX XXXX  On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXXXXXX XXXX On XX/XX/2018 XXXX XXXXXXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXXXXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX   On XX/XX/2018 XXXX On XX/XX/2018 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: Lending Club Corp
State: CA

Complaint narrative:
I disputed account through XXXX. I told them I never asked for an account, signed for an account, nor obligated myself in any way to an account with Lending Club. I further asked that Lending Club furnish me with any document signed by me which obligated me in any way ; and stated that I would then apologize for my apparent error and make amends. They refused, simply stated that the report was accurate and my dispute was declined. 

Wow! Things have certainly changed under the Trump Administration, but if it has come to the point where a company can arbitrarily contact Mr./Mrs./Ms./Miss private citizen and not only threaten to, but actually do, ruin their credit and attempt to extort money from them without having any proof that said person actually did, in fact, obligate themselves to the Company, then it is time for LEGAL ACTION. However, I shall wait to hear from you first.

I demand the following : 1 ) a letter of apology from Lending Club 2 ) deletion of the aforementioned erroneous credit reporting form all 3 major credit bureaus 3 ) or a copy of the proof where I signed, obligating myself to XXXX XXXX for this alleged {$19000.00} for account # XXXX allegedly opened on XX/XX/2017. They can't because NO SUCH DOCUMENT EXISTS. They are simply trying to take advantage of a XXXX XXXX Vet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: KS

Complaint narrative:
Navient will not take the time to research my loan history. XXXX XXXX for Navient says " you have satisfied 25 months of your repayment terms, meaning we received 25 satisfactory payments towards the loan while in a Repayment status. '' This information is inaccurate. I have never been in default and I have made more than 25 payments on this loan, I've been paying on it for over 10 years. How can she say only 25 payments when for 3 years my Chapter XXXX paid {$500.00} a month for 3 years which equates to 36 months. After my BK was discharged, I took the payments over in XXXX or XXXX of XXXX, that in itself is almost 30 payments. Those two scenarios equals 55 payments so how can she say only 25 payments have applied to my loan. I don't understand how Navient is applying payments other than ripping people off so loans never get paid. I could understand if I was behind or not making payments but I have been paying on my loan and am not getting the credit and the respect for being responsible. Help me understand how they only show 25 payments when payments have been made since XXXX? If this was to be a 20 year loan, 10 years have passed, why is Navient asking me to make 17 more years of payments. What happened with the payments from XXXX to XXXX? I have documentation from my Trustee showing over {$7000.00} paid on my loan, why isn't this showing up in my payment history? I have documentation showing {$15000.00} was paid to XXXX for my student loan. Why hasn't this been communicated to Navient and what is the relationship of XXXX to Navient?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CFS Holdings, Inc
State: TX

Complaint narrative:
I was notified from the credit reporting that a loan was applied for from this company. I did not apply for a loan nor have the means to apply. My social security was stolen and I have been trying to resolved the issue. I have no credit in trying to apply for a loan.My account is flagged from all bureaus as alert on my account for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am attaching my letter to XXXX with more details. To summarize : we paid {$780.00} to XXXX with my Citi credit card on XX/XX/XXXX for health insurance coverage. Later the premium was reduced to {$140.00} /month and we were forced by XXXX to initiate a partial payment dispute to get an overpayment of {$500.00} back. However XXXX blamed Citi for withdrawing all {$780.00} payment on XX/XX/XXXX and not leaving two month premiums of {$280.00} from my credit card to pay XXXX. XXXX reset our insurance policy termination date from XX/XX/XXXX to XX/XX/XXXX based upon their record. ( Please note that we also paid XXXX for insurance premiums with personal checks ). On the other hand, Citi said that the two month premium payments from my credit card was made to XXXX from the very beginning so that it is not Citis problem. But Citi refused my request to provide detailed evidence to challenge XXXX 's record. Neither Citi nor XXXX takes responsibility for this and we received full medical bills from medical providers and debt collectors like we didnt have coverage for the time period that we actually paid for. We have filed complaint to New Jersey Department of Banking and Insurance ( NJDOBI ). I also attached their investigation letter here. I would like to have CFPB investigate this to see if Citi or XXXX is responsible for this. If this is not Citi 's problem, please provide conclusions/investigation results on this so I can continue to seek help from NJDOBI or other government 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 2018-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
During the XXXX season of 2017, I opened a Macy 's credit card with a cashier because I was told I would get 75 % off the purchase if I did so. The interest rate was not disclosed to me at that time. In XXXX I received my first statement that said my interest rate was 26.99 %. I called XXXX 's customer service to close this credit card that I had not received in the mail yet after learning of the high interest rate. They told me there would be a fee of {$40.00}, and I said to charge my XXXX XXXX checking account. Later I looked at my bank account and saw a charge from Citibank for this amount. No where on any of the documentation for this credit card has there been anything stating my credit card is through Citibank. Because of this I filed a fraud claim against Citibank as I thought someone had hacked into my account. XXXX XXXX got me my money back. Later I received statements with late fees on my ( what I thought ) was closed card. I called XXXX 's to figure out why my card was not closed, and they told me the card had been reopened because my payment had bounced. This is when I found out that XXXX 's uses Citibanks card services. At this time I tried to call Citibank and disputed that their pull from my checking account was unclear because it should have said XXXX XXXX. I have since paid them back the money I originally owed plus 25 % which is {$47.00} but they want me to pay these late fees and interest rates that have been charged to me since I closed the account which add up to {$270.00}. This is unethical and they refuse to admit any wrongdoing.

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 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My XXXX XXXX credit card platinum secured account opened on XX/XX/XXXX and all history was removed by request of XXXX XXXXXXXX of 12 month history along with the tradeline of {$600.00}. XXXX  XXXX denied this and stated that the account number is reporting to all credit reporting agencies when it is only one and that is XXXX. The tradleine omg with the excellent payment history was removed by request of XXXX XXXXXXXX for transunion and XXXX. I have contacted and communicated with both CRAs and they both stated that this was indeed by request of the creditor XXXX XXXXXXXX. Now the account is open and active and I do keep the tradeline in very good standing with payment history and use the the credit card. My complaint is I have disputed with XXXX   XXXX since XXXX and they keep sending their results of the investigation to me stating that the tradeline are verified reporting to all CRAs when indeed its not only to one which is XXXX. XXXX XXXXXXXX does not know why the account was removed and denied that they requested for its removal and stated in a letter that they have verified its posting to all three CRAs by sending a letter also stating that. I asked by how did they verify this posting of the tradeline and by what means and keep sending a letter stating that its posting and posting accurately which it is indeeed only reporting to XXXX and not transunion and XXXX. The situation still is not corrected and they have had enough time to allow for its resolution. The CRAs transunion and XXXX   have both stayed that they need to submit an reinsertion of the trader line and of XX/XX/XXXX none have been submitted this has been ongoing since XX/XX/XXXX. This is indeed a clear violation of the fcra for inaccurate reporting and only reporting to one CRA and removal of the reporting on transunion and XXXX resulting in loss of age in credit history and fico scoring XXXX XXXX have not went to any verification of its reporting or beyond to make sure that it is indeed reporting they have had well over 30days to correct the problem and have failed to do so this account ending in XXXX I have included reports from XXXX XXXX credit monitoring service as well as the XXXX report. I have an old account and another active account with XXXX XXXX  old account dating from XXXX that was settled and another that is active which is XXXX opened XX/XX/XXXX these are not to be confused with the account that is still open and active opened XX/XX/XXXX with credit line of {$600.00} account ending in XXXX which is the account removed by XXXX XXXXXXXX to the authorized users on my account their reporting which is weirder and I have included the XXXX report showing the tradeline from XXXX XXXXXXXX of 602 reporting the only cra reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: EQUIFAX, INC.
State: PR

Complaint narrative:
at XX/XX/XXXX ... I made a request to XXXX XXXX XXXX through it's representative XXXX XXXX XXXX to delete an executed second mortgage account from my credit report as charge off, because since XXXX, this property has been executed. 
I made a successfully claim to XXXX XXXX Credit report company ... and they update correctly my information. 
However, I made the same request to Equifax company, and the didn't want to proceed in accordance with my current situation.So any of this two companies don't report my situation accurate, despite I'd have bring to them all the legal documents that show the foreclosure of my old home. 
Equifax confirmation request # is:XXXX I'll appreciate your assistance and intervention in this matter ... .thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Regarding previously filed Complaint Number : XXXX. 
I have contacted Southwest Credit Systems L.P. in regards to an account listed on my credit reports that I do not recognize and also requested validation. I do not owe this company Southwest Credit Systems anything and they have stated they will cease collection of this debt per their response to my complaint XXXX. See below, they responded to my complaint with : " XXXX has notified Southwest Credit Systems to cease and desist all collection efforts against Mr. XXXX. However, because XXXX considers this debt to be valid and owed, we will pursue all our legal rights and remedies to collect this balance. According to XXXX, the debt is valid. On XX/XX/2018, XXXX closed Mr. XXXX account in our office. SWC has ceased collection activity and is no longer pursuing the matter '' However Southwest Credit Systems LP continue to report this debt on my credit reports. I NEED Southwest Credit Systems TO REMOVE THIS ACCOUNT FROM ALL MY CREDIT REPORTS IMMEDIATELY. This company Southwest Credit Systems LP is violating the FCRA by still reporting an alleged debt to my credit reports under Southwest Credit Systems. I do not owe Southwest Credit Systems for this alleged debt and I am prepared to take further legal action if this account is not removed from all my credit reports immediately. I have never had an account with XXXX and I have previously been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I called to set up automatic payments, Because my statements have not been mailed on time. I had made a late phone payment, Before because of this, and When I tried to make a phone payment today, My atm card number was not recognized, So I spoke to a represenitve, who transferred me to a guy and and asked for My social security number, I replied if the last 4 digits would suffice, He then gave me hard time, asking me to provide an exact date and payment, i replied I couldn't remember, but had Maile it before the due date, from a copy of an old statement, because I haven't been getting my statement on a timely manner, Then asked me when I open up my loan, Finally he said that I would need to have a checking account with Citibank, to set up automatic payments, and that I have to fill out a mailed form, I also asked him why, They don't have automatic payment information on their statements, or even show when payments were made on thier statements. He was not being cooperative, I stated I would like to speak to someone else, and he stated it would not possible, I Hung up, and called again, And spoke to another young lady, Stated my purpose, for making a payment and set up An automatic payments, And she transferred me To " the direct loan Dept. " XXXX answered, I stated my purpose, Said he couldnt help me, and transfered me to another Lady, And same thing, She said she would transfer me to some else, and I was placed on hold for a Lon while, And back to the main menu, Never ever had an experience like this before, just to try to make a payment on time, Also when I had first applied for this loan I tried to set up automatic payments, But was unable to do so, even though there was option to enroll in it, And stated my bank information was incorrect, Please do follow up, A.S.A.P Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management
State: AL

Complaint narrative:
I got an alert that XXXX XXXX added two accounts to my credit reports. I have not ever done any type of business with this company. They bought this debt from another collection company I did not owe which is not lawful and this company show be taken to court by the cfpb for putting false information on a consumer credit report.i am requesting validation made pursuant to the fair debt collection practices act and the fair credit reporting act along with corresponding local state laws. I am requesting validation that is competent evidence bearing my signature. showing that I have or ever have some contractual agreement obligation to pay XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Credit freeze, identity theft hold on my credit profile. Equifax is reporting credit inquiry from XXXXXXXX XXXX/XXXX  XXXX XXXX, XX/XX/2018. I have mailed a request to Equifax to remove, they failed to follow procedure with credit freeze, identity theft on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I contacted XXXX regarding electricity service that I never authorized in my name. They advised that they would take a note that it was fraud. It is the result of identity theft. However, a company is still attempting to collect this from 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 2018-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I did not pay my 1 % financial responsibility by XX/XX/2018. I did it by mistake trying to avoid the previous problem reported to you, when they tried to penalize me for " paying early '' claiming it was a double payment ... Nevertheless, now the ignorant, no only has made erroneous claims that I have been paying late, but they have rounded up my balance due, pilfering or embezzling {$0.00} from me. This is absolutely egregious. If they have any authority to do " cash rounding '' - a phrase I found via XXXX. If they do, then they are likely generating millions by robbing millions of people across the country and State of Michigan of our personal property : quarters, dimes, nickels and pennies every month. Just imagine what they are doing to grandmothers, and single mothers who just are too occupied to pay the attention necessary to identify these unscrupulous activities. I paid their late fee. I paid their interest rate. I will tentatively pay their claim for {$0.00} so as to not subject my account to another late fee, but I request that you demand that they return my {$0.00}, and persecute them on my/our behalf with respect to principles under the ( 1 ) Michigan 's Scanner Law - The Shopping Reform and Modernization Act, Truth in Lending Act, Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act, and the like.

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 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Credit freeze, identity theft hold on my credit profile. XXXX is reporting credit inquiry from XXXX XXXX/XXXX XXXX XXXX, XX/XX/2018. I have mailed a request to XXXX to remove, they failed to follow procedure with credit freeze, identity theft on my profile.

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