vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I believe a business bank account has been opened in my name using my social security number # XXXX or my tax id number associated with my social security number " XXXX XXXX XXXX '' XXXX. My mother XXXX XXXX and Brother XXXX XXXX have used my tax id numbers to open bank account without my knowledge. Can you please close any account related to my social security number or tax id number and send all closing balances to my current address

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 2018-05-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed an incorrect account on my credit report with the three major credit bureaus : XXXX, Equifax and XXXX. They have not provided any documentation to validate or verify the account, even after I informed them that I never opened an account with XXXX XXXXXXXX. The account is showing closed as of XX/XX/XXXX and is also indicating that the account is past due as of XX/XX/XXXX. I would like this account to be deleted from my credit file with the three major credit bureaus. As I stated before, I have disputed this account with all three bureaus twice : XX/XX/XXXX and XX/XX/XXXX, and despite informing them that I have never opened an account with XXXX XXXXXXXX and none of them providing documentation to validate or verify the account, they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have disputed an incorrect account on my credit report with the three major credit bureaus : Experian, XXXX and XXXX. They have not provided any documentation to validate or verify the account, even after I informed them that I never opened an account with XXXX XXXXXXXX. The account is showing closed as of XX/XX/XXXX and is also indicating that the account is past due as of XX/XX/XXXX. I would like this account to be deleted from my credit file with the three major credit bureaus. As I stated before, I have disputed this account with all three bureaus twice : XX/XX/XXXX and XX/XX/XXXX, and despite informing them that I have never opened an account with XXXX XXXXXXXX and none of them providing documentation to validate or verify the account, they have not done so.

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 2018-05-29 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: FL

Complaint narrative:
I checked my credit reports and I noticed a debt from a collection agency I C SYSTEM INC for XXXX for {$550.00} that was placed into collection on XX/XX/15. This debt does not belong to me and I was never notified by the collection agency of this debt so I could dispute it. I never signed a contract with I C SYSTEM INC OR 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 2018-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I believe a business bank account has been opened in my name using my social security number # XXXX or my tax id number associated with my social security number " XXXX XXXX XXXX '' XXXX. My mother XXXX XXXX and Brother XXXX XXXX have used my tax id numbers to open bank account without my knowledge. Can you please close any account related to my social security number or tax id number and send all closing balances to my current address

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/XXXX, check submitted to Capital One, credit department XXXX, NC. I called to ask for an address to send check that was not a post office box and they gave me this address Capital One, attn Payment Processing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX and I sent a check to them in the amount of XXXX to pay account in full with refund to me. As of today, XX/XX/XXXX the check can not be located by capital one credit department. And the credit department employees, and managers don't seem to give a darn about a check that is floating around somewhere out there. One manager named XXXX accused me of not sending check. I called title company that issued check and told them that first check lost and to reissue another check. I now have the new check in the amount of {$8400.00} to send to replace the old check. I want to send the new check registered mail, signed receipt returned to me so that if check is misplaced again, I have a way to track check to see if delivered. I am being told that checks go to payment processing center and they have no live person at capital one credit department in XXXX NC to receive and sign for check. Since the first check was misplaced I and the tile company want capital one to give us the name of person to receive and sign for check they refuse need help will hold check until I get a name and address of the person that is willing to sign for check so that I have a way to tack that check was delivered and stop charging interest on this account because after XX/XX/XXXX whencheck was sent ant it was lost no interest should be charged from that date forward to now thanks you need help immediately as interest charges go up daily with these guys

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
I have been receiving multiple phone calls along with my husband and phone calls going to his place of work, messages left of a debt owed to please have him XXXX for a important matter.. a debt owed then they sent a man to our home on memorial day to serve papers to our home gave them to our daughter who is XXXX pounding on the door she said she went answered it finally to a man older gentlemen XXXX XXXX XXXX, he shoved papers in her face and said give these to your parents make sure they get them and was shoving them in her face, now all she had told this man was no I am not the person your looking for i'm related a daughter but gave no proof etc. then he goes shoveing these papers in her face not just two months after she was just assaulted by a gentlemen which also freaked her out not acceptable at all so we get served a summons to appear in court on XX/XX/XXXX at XXXXXXXX XXXX in court for a DEBT that is in a BANKRUPTCY and been charged off back in XX/XX/XXXX in which the XXXX has already been made aware of this and told to please stop calling me and my husband leave us alone stop harassing us yet now they try to sue us.

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 2018-05-29 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Have not received Trip Delay Protection from Citi-Advantage/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX in a timely manner. 

I made a claim for trip delay protection from XXXX  XXXX XXXX on XX/XX/XXXX for a total {$340.00} to be paid by check. 

I have not received {$340.00} by check as of XX/XX/XXXX. My account was erroneously credited for {$310.00}. 

I've made several attempts to correct the issue with XXXX  XXXX XXXX and I have not been able to resolve either the issue of the missing {$30.00} per their guidelines nor the issue of receiving a check as stipulated in my original application. 

The guidelines stipulate " Trip Completion Date means the date on which the Covered Traveler ( s ) are scheduled to return to their point of origin or to a different final destination ''. I did not arrive at my scheduled final destination until the next day.

Attachments : Guide, portion of claim indicating " mail me a check '' selected. ( signed original available upon request ) =========== from Citi AAdvangage Your Guide to Protection Benefits : page 10 .

Trip Delay Protection How Long are you Covered? From Trip Departure Date to Trip Completion Date.

Trip Completion Date means the date on which the Covered Traveler ( s ) are scheduled to return to their point of origin or to a different final destination.

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 2018-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I checked my credit reports at the end of XX/XX/XXXX and noticed a medical bill in collections on my XXXX credit report with Midwest Recovery System, for XXXXXXXX XXXX XXXX in the amount of {$1000.00} which states was opened XX/XX/XXXX. I did not sign a contact with Midwest Recovery System for anything. I was never notified by Midwest Recovery System to dispute this debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
Complaint # 1. ) XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX branch declined credit with an adverse action notice because of a collection action or judgement that was reported as delinquent past or present credit obligations with others. The action was taken with regards to Equifax Credit report relating to a XXXX XXXX XXXX in XXXX XXXX XXXX loan # XXXX - XXXX. This dispute / complaint is that a fraudulent charge was initiated against loan XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$20000.00} .00 and has been accruing interest since that date.

Loan # XXXX. This transaction is documented from XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXX   containing XXXX XXXX as named printed by. Reporting Institution : 16 Complainant has not initiated any financial activity with XXXX XXXX XXXX since a Debt Settlement Agreement was reached XX/XX/XXXX for loan # XXXX. Authorized Agent for XXXX XXXX XXXX signed this agreement. Part G. ) of this agreement states that " No changes or addenda hereto shall be effective unless done in writing and signed by all parties. '' There has been no such changes which complainant is aware of nor has complainant signed any agreements with XXXX XXXX   since the Debt Settlement on XX/XX/XXXX.

Complaint # 2. ) Equifax Consumer Credit Report RE:XXXX   - dispute XXXX XXXX XXXX charge for loan # XXXX.

1. ) Complainant has not initiated any financial activity with XXXX XXXX XXXX since XX/XX/XXXX.

2. ) Complainant was unaware of this reported XXXX XXXX XXXX charge and would not have found this information out if application for a line of credit from XXXX XXXX XXXX XXXX, XXXX XXXX branch, had not declined credit due to this Equifax report.

Complainant is requesting Equifax remove all negative and fraudulent information contained in report XXXX  related to XXXX XXXX XXXX   loan XXXX be corrected to reflect the reporting error and that all agencies which have requested reports be notified of this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX   credit report reveals that a fraudulent application was submitted with her information that resulted in an inquiry XX/XX/XXXX and again XX/XX/XXXX that she did not authorize with Kohl's'/Capital One. An official dispute of this action was sent to Kohl's/Capital One XX/XX/XXXX however as of this date no response or reply has been received as to the outcome of the investigation which is a violation of FCRA. 
In addition an application was filed with XXXX XX/XX/XXXX and the official dispute of this was sent to XXXX  XX/XX/XXXX and again, no notification was sent to my client concerning the outcome of the dispute status which is also a violation of CFRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I believe a business bank account has been opened in my name using my social security number # XXXX or my tax id number associated with my social security number " XXXX XXXX XXXX '' XXXX. My mother XXXX XXXX and Brother XXXX XXXX have used my tax id numbers to open bank account without my knowledge. Can you please close any account related to my social security number or tax id number and send all closing balances to my current address

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 2018-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I was charged a late fee in the amount of {$23.00} that was paid with XX/XX/XXXX 's payment on XX/XX/XXXX totaling {$480.00}. Since the payment was paid, I have asked XXXX to properly apply the late fee payment ( going on 6 months now ) and every time I am given a different answer as to why it hasn't been applied or how long the process will take to have it applied correctly. I set up automated payments starting XX/XX/XXXX ( which the XXXX is my due date ) and on XX/XX/XXXX I called in and made a principal only payment for {$500.00}. The payment was applied as a regularly monthly payment for XX/XX/XXXX ( even though I had my automated payment set up to go through on XX/XX/XXXX ). I made it very clear this was a principal only payment and regularly checked my online account to see if it had applied as requested. Approximately 5 phone calls later did the {$500.00} principal only payment get applied correctly ( not until XX/XX/XXXX - 15 days later ) and the late fee is now back on my account as of XX/XX/XXXX when it was paid on XX/XX/XXXX!! 

I am done calling this company and spending at least 15 minutes on the phone to have payments applied correctly. When I call in and ask why the payments aren't applied correctly I am told the " system doesn't recognize late fees and it has to be processed manually '' but there is no guarantee it will get adjusted and can't be told a timeframe. I'm sorry, but as a LOAN SERVICING company XXXX   should be equipped with the technology to PROPERLY apply payments in a reasonable timeframe - again my late fee issue is from XX/XX/XXXX it's now XX/XX/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 2018-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NH

Complaint narrative:
I have been dealing with XXXX since I graduated in XX/XX/XXXX. I had the loan in forbearance for several years, and each year they either lost the paperwork, did not calculate my forbearance period correctly, etc. Furthermore, I have consistently asked for information on consolidating my loans ( several times in writing ), but despite promises of sending me the information, I am still waiting almost 5 years later. Looking for consolidation information on their website is impossible, and any attempts to search for " XXXX XXXX '' and " consolidation '' leads to links resulting in an Error 404 page. In XX/XX/XXXX I applied for an income driven repayment plan ( IDR ). This was granted on XX/XX/XXXX and my new monthly payments were {$69.00} per month. 

In XX/XX/XXXX, I discovered, through one of my credit cards, that XXXX had declared my loan in default. When I called XXXX to find out what was going on, it took them almost an hour to determine that their system had bumped me out of the repayment plan *2 hours* after it had been granted and the confirmation email sent out. Yet I was never notified that I had been removed from the plan. They themselves acknowledged the payment plan and that I had paid it on-time and in full. But instead of fixing the acknowledged problem, I know have to go through this process of disputing it with them. They applied a forbearance period from XX/XX/XXXX through XX/XX/XXXX, using up all of my allotted forbearance time -- this was done without my permission. In the meantime, I am now off of the plan with no forbearance left, and they are continuing to show my payments as being in default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX XXXX at XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX pulled my credit report without my knowledge or authorization. I sent them a letter to request a copy of such application and proof of why/where/whom pulled this report. I also asked that they delete such inquiries. They responded without proof, without a copy of such online application and refuse to delete inquiries. I don't know who they are, they are somewhat local to me which is highly concerning that they are using my information to pull credit inquiries. I wish they to be investigated, I wish my 2 inquiries to be deleted and I would like such proof of whom applied for credit with my information. 


Many thanks for whatever you can do!! 

XXXX 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 2018-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
There have been fraudulent withdrawals from both my checking and savings accounts. I have visited the bank ( Santander ) on multiple occasions but they have frozen my account and refused to refund or give me a temporary credit for the stolen funds. Because my account is frozen I can not gain access to look at all of the transactions and confirm whether or not they are genuine. I have also filed a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: AZ

Complaint narrative:
I have a fraud alert on my Trans Union, XXXX and XXXX credit report. I want the fraud alert immediately deleted and removed from my credit report. I have never resided or lived at the following addresses : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I want the addresses deleted and removed from my credit report. The following phone number dont belong to me : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 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: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX   credit report reveals that a fraudulent application was submitted with her information that resulted in an inquiry XX/XX/XXXX and again XX/XX/XXXX that she did not authorize with XXXX XXXX. An official dispute of this action was sent to XXXX XXXX XX/XX/XXXX however as of this date no response or reply has been received as to the outcome of the investigation which is a violation of FCRA. 
In addition an application was filed with Sears/CBNA XX/XX/XXXX and the official dispute of this was sent to CBNA XX/XX/XXXX and again, no notification was sent to my client concerning the outcome of the dispute status which is also a violation of CFRA.

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 2018-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was shocked when I reviewed my credit reportand found late payment on the dates below : 30 days late as of XX/XX/2016 I am not sure how this happened, Ibelieve that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation