vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: CA

Complaint narrative:
I got a call from XXXX XXXX  collection department stating that my payment was not received. I explained to the customer service collections rep ( XXXX XXXX, Sunday XX/XX/XXXX at XXXX XXXX. She stated that XXXX XXXX  charged me a late fee because my payment was due on the XXXX. I explained to her that I had called into XXXX XXXX before and request that my due date be change after the XXXX of the month because that's when I receive my pay. I asked her to remove the late payment, she told me that they already removed one previously. I explained to her that she should look at the account to see when the late fee was removed because that would have been the date that I called in to request the due date change. XXXX XXXX  continued to argue back and forth and overtalk me, I couldnt get a word in edgewise. XXXX XXXX  charged me late charges for since XX/XX/XXXX. If I requested the due date change, why would they not change my due date and continue to charge me late fees. My I made 2 payment in XX/XX/2018 which should have brought my account in good standing. At that time, I requested that Macys change my due date. Nothing was done, they continued to charge me late charge every month. This is illegal and unethical. I had a XXXX   account in the past, I had the same kind of billing problems which forced me to close my account. The payment should have been corrected in XX/XX/2018. That was the date that I called to move the payment date behind the XXXX  of the month which is when I get paid. XXXX XXXX  never moved the date, but continued to charge me late payments. Today, after calling 3 people and being on the phone 2 hours, I got a person by the name of XXXX XXXX  Collections Supervisor XX/XX/XXXX ( XXXX ), who told me to make a payment of {$48.00} ( I made the payment ), he told me that this amount would catch up my payment, then told me to make another payment by XX/XX/XXXX of {$59.00}. I asked him why would I be making {$59.00} payment, when the payment was only {$27.00}. He stated that that payment would catch me up. That was he initially told me about the {$48.00} payment. XXXX XXXX is running some type of scam. They are tricking people into believing that if they make a payment, that they will be current, only to find out once they get your payment, you account is not in good standing. This is unethical and illegal. Looks like a bait and switch. They should be fined for this type of action.

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 2018-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My XXXX XXXX  card from XXXX  was cancelled by the merchant along with many others as they were going to replace it with an XXXX  card from XXXX XXXX that will arrive in XX/XX/XXXX. Equifax received this notification from XXXX   and Equifax reported this without any reason for the card being canceled My credit score on XXXX XXXX from Equifax went from XXXX on XX/XX/XXXX to XXXX a 134 point change on XX/XX/XXXX. My XXXX score remained the same at XXXX. I filed a dispute with Equifax and with XXXX XXXX. I have spoken with XXXX XXXX and have not heard from anyone .I have had the XXXX XXXX XXXX Card for over 9 years XXXX XXXX # XXXX card # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
For a {$27000.00} loan taken out from Sallie Mae in XX/XX/2004, I was charged $ 11,000+ dollars in disbursement, repayment and capitalized interest fees. The possibility of such exorbitant fees was not made clear to me at the time of the loan. I do not feel this type of loan practice is fair and would like to know what my options are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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: Franklin Collection Service, Inc.
State: NC

Complaint narrative:
Last year I entered into an agreement with XXXX for internet services and was offered a guaranteed 30 day trial period. If I was not satisfied with the services and or mis-representation of services. It was up to me to cancel, per the XXXX   agreement. Due to mis-representation of the services ( High Speed Data ), I cancelled before the allotted time of the 30 day trial period. The amount was for {$130.00}, in which XXXX claims I still owe. ( Which XXXX has added on cancellation fees ). Previously they had a different collection agency threatening to damage my credit, now XXXX  has enlisted a new collection agency ( Franklin Collection Services ). Who has threatened to ruin my credit history, in which is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is a complaint against Bank of America Credit Card Services, and its prevention and fraud department. The reason for this is an excruciating situation for me, because from one day to the next Bank Of America personal profile and credit card 2 credit cards appear that do not belong to me, never open those accounts, never authorize the opening of these cards, I believe that this department did not give me the right treatment, put some cards in my profile without being mine, affecting my personal credit with the 3 credit bureaus and also with the same bank. When I saw in my profile of BOFA, the first thing I did was to communicate with the bank, the response was so disastrous and of little professionalism, well Ms., this investigation can take 90 days, and knowing that these accounts have another name and another surname and SS different, because they are still there in my profile.

These are the numbers of follow-up complaints to my problem : 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 2018-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
Uhm first off, I was wondering who gave you authorization go through my credit?

When I got my car, I never expected them to pull a credit report to 8 or so different banks. The only on that is legit is XXXX XXXX. Are you able to remove all the i necessary hard inquires? I had no idea they would pull hard inquiries XXXX XXXX, I said to fill out a form to see if I am prequalified and wine affect my credit but there Is a hard inquiry for that one Also I have NEVER herd of XXXX XXXX XXXX. Although theee was a credit card company call XXXX XXXX. I never activated it and they charged me for the first year and then I didnt know it automatically activated ( never hear this happen ). But it shows a late fee which I do not have.

Can you help remove the XXXX  in and XXXX XXXX once and for good OFF my record.

Under XXXX there re more accounts I dont know about. 1. XXXX 2 XXXX XXXX 3. And finally the XXXX XXXX  card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: SC

Complaint narrative:
MIDWEST RECOVERY SYSTEMS, Reported to all three credit bureaus a debt of $ XXXX.I have never been in contact with this company nor have they contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Major Issue with Equifax Credit Bureau ... .they compromise my information on my credit file by sitting for 6 months from their Cyber- Security Incident in XX/XX/XXXX and did nothing. Now, a re-investigation as of XX/XX/XXXX, a new list was updated and as of XX/XX/XXXX when I was informed by a Rental Office applying for an apartment, the attachment is provided stating an ID Theft Fraud Alert on my credit file. Which is a Security Freeze and I was able to get the pace and I'm Homeless. Since XX/XX/XXXX-XX/XX/XXXX I have faxed my driver 's license 4-5 times.. ( enlarged ) and my birth certificate to show the correct information and to update my report. They have all gave me the run-a-round and Lied with not receiving my faxes. I also mailed my driver 's license and birth certificate as well and I'm waiting on the receipt/update on that. Equifax Never informed me of their corrupt mistake until I received a letter from them on XX/XX/XXXX ... attachment provided ... confirmation # XXXX credit file date XX/XX/XXXX. This Credit Bureau needs to be shut down and a class action suit needs to be provided. I am a victim and need to be PAID IN FULL from Equifax. Thank you and hopefully all will be corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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: TX

Complaint narrative:
IN REGARDS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.

I HAVE HAD AN ON GOING ISSUE WITH EQUIFAX NOT DELETING ITEMS OFF MY REPORT ONCE THEY SAY THEY ARE GOING TO THE DELETE THEM AND THEN THERE STILL CURRENTLY REPORTING ON MY CREDIT REPORT. THIS IS HIGHLY UPSETTING ME AND I DONT KNOW WHERE TO TUEN BUT TO YOU GUYS FOR HELP. MY CURRENT ISSUE IS THAT THEY ARE REPORTING A XXXX STUDENT LOAN ACCOUNT THATS NOT EVEN MINES. I HAVE NOT DONE BUSINESS WITH XXXX NOR HAVE I HAD A LOAN WITH THEM AND EQUIFAX REFUSES TO REMOVE THE FRAUDULENT INFORMATION OFF OF MY CREDIT REPORT WHICH IS REALLY HENDERING ME IN A NEGATIVE MANNER. I'VE SENT IN CERTIFIED DISPUTE LETTERS TIME AND TIME AGAIN WITH NO REPSONSE AND OR ANY MAILED BACK RESPONSE UPDATED CREDIT REPORTS INDICATING MY RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I have disputed this account on several occasions from Midwest Recovery for a payday loan in the amount of XXXX. I have contacted the company explaining I did not have an account at XXXX XXXX, neither did have I ever had a payday loan. This account and debtor continues to hassle me. I have been experienced identity theft in the past, resulting in someone getting a house in my name. This debt is not mine and I word hard and diligently to keep my credit and social security number protected. Dates of transation reporting on my credit began in XX/XX/2018, it was taken off in XX/XX/2018 and as of XX/XX/2018 it is back on my credit. I have spoken with this company letting them know this is not my account please remove off my credit but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Uhm first off, I was wondering who gave you authorization go through my credit?

When I got my car, I never expected them to pull a credit report to 8 or so different banks. The only on that is legit is XXXX XXXX. Are you able to remove all the i necessary hard inquires? I had no idea they would pull hard inquiries XXXX XXXX, I said to fill out a form to see if I am prequalified and wine affect my credit but there Is a hard inquiry for that one Also I have NEVER herd of XXXX XXXX XXXX. Although theee was a credit card company call XXXX XXXX. I never activated it and they charged me for the first year and then I didnt know it automatically activated ( never hear this happen ). But it shows a late fee which I do not have.

Can you help remove the XXXX in and XXXX XXXX  once and for good OFF my record.

Under XXXX  there re more accounts I dont know about. 1. XXXX 2 XXXX XXXX 3. And finally the XXXX XXXX card.

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 2018-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My contact telephone number, on TD Bank 's records, at XXXX XXXX XXXX XXXX XXXX NY XXXX was fraudulently changed by bank employees. Employees and/or co-conspirators counterfeited two checks, one for {$2800.00} and one for {$2900.00}. On XX/XX/2018, Co-conspirators called bank on XX/XX/2018 and had employees transfer {$3000.00} from my corporate checking account to my personal checking account both domiciled at above TD Bank. On same day, co-conspirators cashed the foregoing checks at two different XXXX XXXX XXXX  branches of TD bank.The reverse side of one of the counterfeit checks that was cashed has an inscription " called customer ''. The teller called the telephone number of the perpetrator to which my records were changed. The perpetrator answered the phone and identified himself as me and the teller cashed the check. The other check has no such notation. When I reported this to XXXX XXXX, TD Bank representative, she called the perpetrator and he could only give her my address and not my social security number or date of birth. Therefore, the tellers or the employee who trfed above {$3000.00} could not have gotten necessary ID for Perp. Therefore, this embezzlement could only have been perpetrated by or with the needed assistance of TD Bank employees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
Good afternoon the dispute I have about my mortgage company Mr. Cooper is I have deposited hundreds of dollars into my escrow account and every deposit with the exception of {$64.00} in XX/XX/XXXX has been applied to the principle of the loan. When calling the company 's employees keep going on about the company does not determine the escrow amount it is set by county taxes and insurance rates. I am well aware of the purpose of escrow. I just want the money I earmark for escrow to be applied to escrow not loan principal. Unfortunately I can not present any written communication with Mr. Cooper but the company does not provide customer service option of email. Every correspondence via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We are in a Hurricane Irma FEMA designated area ( XXXX Florida- XXXX , FL vicinity ).

We applied for a {$400.00} deferred minimum payment grace period on our Chase credit card ending in -XXXX.

We have not received the {$400.00} payment deferment as promised for XX/XX/XXXX that is due by Saturday, XX/XX/XXXX per Chase Irma Relief at XXXX.

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Finance System of Green Bay, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX, my fianc and I each received a letter from Finance System of Green Bay Inc. stating that we owe a debt of {$1600.00} from our previous apartment. I sent them a letter stating that we were not aware we owed any money to our old landlord, XXXX XXXX XXXX. XXXX XXXX threatened to sue us two months after we moved out, via phone call from their lawyer, XX/XX/XXXX, for a balance they said we owed. I told them we didnt owe the debt. That was the last time we heard from them, ever. We have been waiting for XXXX XXXX to send us papers for 3 years and the first time we have heard about this debt was just recently. Finance of Green Bay sent us a response of the itemized statement, rules and regulations and lease we signed that we received on XX/XX/XXXX. They called a few weeks later, sometime before mid-XX/XX/XXXX, and I told them we would not be paying this because we had planned on fighting it. I have all of my documents I got from XXXX XXXX  and the voicemail threatening to sue us. Since the debt was taken over by a collector, I cant fight XXXX XXXX. Finance of Green Bay is not who we have a complaint with, its XXXX XXXX  we have the issue with and dont feel as though we owe Finance of Green Bay anything since we werent made aware of our debt before it was grabbed by a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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: GA

Complaint narrative:
I have contacted Capital One numerous times dating back to XX/XX/XXXX most recent date of contact being XX/XX/XXXX. The representative that was assisting me stated that the account was previously sold to XXXX XXXX XXXX XXXX and then rebought by capital one once it was deemed fraud by the collection agency and will remain on my report until I provide fraud documentation. I mailed fraud documentation as requested and the company has still no deleted account from bureaus and is still reporting monthly. 
The account is a result of identity theft and I have no knowledge nor benefit from this account. I have requested that the account be deleted from all three credit reporting bureaus. The account balance is {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, On Monday XX/XX/XXXX, my employer-sponsored 401k account ( via WellsFargo ) was compromised when an unknown individual called in ( posing as me ) and successfully transacted a {$18000.00} loan ( sent to his bank account, via ACH ). Attached is a full timeline of events as I know them. 

My plan is called : XXXX Dollars & Sense 401k ( via Wells Fargo ). 

On Thursday XX/XX/XXXX, I noticed suspicious activity on my Wells account when I received a notification saying my login information had changed. This is when I called in, inquired about what was happening, and discovered that the loan was taken out days prior. 

I opened a case with Wells ( XXXX ), with their Retirement Services Fraud team. They are mailing me some type of " fraud packet '' to my home address, which I need to sign + return to them so they can initiate the investigation. 

HERE 'S THE THING : I also received a letter from USPS ( dated XX/XX/XXXX, which I discovered and read this morning ). It was a confirmation that my " mail forwarding request '' had been successful. So ... the person who stole my identity is also receiving my mail. Which will make it challenging to comply with Wells Fargo 's policy ... of opening this fraud case. 

Tomorrow ( Monday XX/XX/XXXX ), I'll be contacting USPS to clarify the mail theft issue. I'll also be sitting down with a detective at my local police station to go over everything that I know. I will also contact Wells Fargo letting them know about my USPS mail issue ... and see if they can send the fraud packet to a local branch.

I certainly do not have the " warm and fuzzies '' from Wells Fargo on this matter ... and I'm hoping the CFPB can assist me in securing my account + resolving this matter.

Thank you very much! 
-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 2018-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX/XXXX XXXX reporting incorrectly on credit reports. On XXXX reporting lost or stolen card which was true, with XXXX balance and paid on time, which is true, on XXXX   reporting charge off last pay XX/XX/2013 and on Experian reporting account transferred to another office and last payment XX/XX/2013.

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 2018-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my XXXX   credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report immediately.

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