vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT

Complaint narrative:
I purchased 2 XXXX dirt bikes using the XXXX credit card a line of credit provided by HSBC. I got behind on payments and HSBC sold the credit card debt to a third party debt collector. I was contacted by XXXX XXXX XX/XX/XXXX 2011 stating she was with XXXX XXXX XXXX XXXX and was collecting on the HSBC debt I owed. She stated the dirt bikes I purchased would be seized unless we could settle the debt. She stated that if I could pay a total of {$2700.00} which needed to be wired she would send the titles to me for the dirt bikes. I wired {$2500.00} on XX/XX/XXXX and the remaining {$200.00} XX/XX/XXXX only to find out that they did not hold the titles for the dirt bikes as they were still showing the lien holder as HSBC ( found out later ). I then realized that not only was the debt not settled but XXXX XXXX XXXX sold the debt to another debt collection agency XXXX XXXX who then started trying to collect for the same debt. I did not agree with the debt XXXX was trying to collect, XXXX filed a judgement against me which I then thought Bankruptcy was the only way out. I filed chapter XXXX bankruptcy which was converted to a chapter XXXX in XX/XX/XXXX. I feel like this was handled very wrong by HSBC who sold my debt to a third party debt collection company but has never released the liens on the bikes to these companies. Then I was lied to by the third party debt collector XXXX XXXX XXXX XXXX stating they would release the liens if I paid when in fact they did not hold the liens. HSBC has since sold the XXXX accounts to XXXX XXXX who has no records therefore I am unable to dispose of or get rid of these dirt bikes or even come to any type of settlement with them to release the liens.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has re-inserted negative information that has already been removed. This is against the law. These accounts are fraudulent as I am a victim of identity theft and need to be immediately removed from my account : 1. US Dept. of Ed/XXXX/XXXX # XXXX 2. XXXX XXXX  USA/XXXX # XXXX 3. 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 2018-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: MI

Complaint narrative:
The fees on this loan are extremely high and upon research I don't think this loan is legal in the state of Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: GA

Complaint narrative:
1. XXXX  Account : XXXX : Creditor appears to be re-aging this alleged debt. Reporting date of last payment is XX/XX/XXXX. The alleged debt should be listed over 180 days late and charged-off. Creditor is reporting erroneous information.

2. XXXX Account : XXXX  : Creditor appears to be re-aging this alleged debt. Reporting date of last payment is XX/XX/XXXX. The alleged debt should be listed over 180 days late and charged-off. Creditor is reporting erroneous information.

3. XXXX Account : XXXX : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information.

4. XXXX  Account : XXXX  : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information.

5. XXXX XXXX XXXX XXXX  : XXXX  : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information.

6. XXXX XXXXXXXX : XXXX  : Creditor is reporting incorrect invormation on the report. Debt amount is under {$20000.00}.

7. Creditwise, XXXX XXXX, XXXX, Equifax : Each are under-reporting my on-time payments currently at 99 %. This specific reporting has a very high impact on my credit score.

8. Creditwise, XXXX XXXX, XXXX, Equifax : Each are over-reporting my credit use, currently at 5 %. This specific reporting has a very high impact on my credit score.

9. Creditwise, XXXX XXXX, XXXX, Equifax : Each are under reporting my available credit.

10. Creditwise, XXXX XXXX, XXXX, Equifax : Each are not reporting my XXXX XXXX XXXX XXXX  Account with an available balance of {$4000.00}.

11. Creditwise, XXXX XXXX, XXXX, Equifax : Each are improperly reporting a Chapter XXXX   Bankruptcy which was dismissed and filed nearly 8 years ago. THis should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Twice this year ( 2018 ), Wells Fargo ( who purchased my mortgage last year a few months after we obtained the loan from a local broker in XXXX LA ) has failed to process my online mortgage payment, even though each time they did process the additional principal payment that was made through the same web transaction used to pay the regular mortgage payment. I believe Wells Fargo is doing this because I am paying off my loan faster than required, and they are looking for other ways to make money off of me ; I believe they are hoping that I won't notice the missed payment until I am past due, at which point they can charge a late payment fee.

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 2018-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-10 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: OH

Complaint narrative:
When attempting to link my Capital One Credit Card it will not allow me to link my card to my trim account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I scheduled a billpay with BofA on XX/XX/XXXX. On or about XX/XX/XXXX, the recipient notified me that they had given me the wrong address for the check and asked that I cancel the check. I called BofA and asked them to stop the payment and void the check. They said they would do so and that no funds would be withdrawn from my account. Two weeks later, the recipient received the check and destroyed it. Note that the check said it came from a different bank from BofA ( how did that happen??? ) I wrote a new check and handed it to the recipient.

Bank of America never canceled the original {$8000.00} payment. So, in total, two payments of {$8000.00} were taken from my account, even though only one of those  checks was cashed by the recipient adn the other check was promised to be voided by BofA.

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 2018-06-10 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: NV

Complaint narrative:
About 2 years ago someone compromise my ss # and did a lot of fraudulent activities in my name. I filed a police report and submitted to all 3 credit bureaus. Well it had happened again. I have 3 medical report a on my credit report all 3. I did my investigation and all 3 accounts were opened up in XXXX. I have lived in XXXX XXXX XXXX since XX/XX/XXXX. These are not my accounts. I have submitted my I.D.and ss # card to all 3 bureaus. There are credit inquiries that I have researched as well. These business are in different states car dealerships in XXXX XXXX I live in XXXX. I am asking removal of all 3 debts and inquiries.

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 2018-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Over the past ten years, received exceedingly prolific amounts of unwanted mail offering Capital One Credit cards. This large amount exposed me to an increased risk of identity fraud, listing my name and address along with blank application forms for their cards.

I recently received a statement for a Capital One card I had never applied for or used, leading me to believe that either : a ) Capital One opened an account in my name without my permission or b ) Capital One 's many advertising forms requesting that I apply for a card exposed me to additional risk of fraud and someone else opened the account in my name, having most of the required information to do so from these unsolicited advertising pamphlets.

I have since spoken to XXXX from Capital One 's fraud team, who has assured me the account has been closed ( Capital One Case # XXXX ), but could not yet provide me with a letter in writing of this closure or any unique reference numbers of their report to a credit bureau for 60-90 days. Additionally, I have had to file a police report ( XXXX XXXX  PD # XXXX ), create accounts and reports with the identity theft agency ( # XXXX ) and request an individual fraud alert of my own ( XXXX # XXXX ) without the corresponding filing number for the report allegedly filed directly by Capital One.

The entire process for rectification has put the onus on the victim to rectify without any compensation for time required or stress caused by Capital One 's irresponsible and aggressive advertising methods ( in its best light ) or direct actions of opening an account on my behalf without my consent ( in its worst light ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Sallie Mae is currently reporting a studentloan that was fraudulently obtained with my information by my ex husband. The loan was opened in XXXX and it was brought to my attention in XXXX after The loan was defaulted upon by my ex. I then informed Sallie Mae that the issue is an identity theft. And they sent me some paperwork to filled out ( whicj they claimed was never received ). The last communication was in XXXX and I was informed XXXX  that they never received my mail and the loan is no longer being serviced by Sallie Mae. I should instead contact Navient, who is now the new servicer of the loan. Every time I called I can not get a straight answer as no one seem to know what's going on with the loan instead I get a monthly reporting on my credit report about delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern, I have been a Loyal Wells Fargo Bank customer since XX/XX/XXXX. Just Recently I received a letter from Wells Fargo Bank advising me that my credit limit would be reduced by {$1400.00}. The reason being that the amount I owed on other credit cards was too high, that I had too many cash advances in one year, and that my payment to Wells Fargo was too low relative to the balance I owe. On this last point I understand that if I make the minimum payment only, I will pay a lot more in interest charges. I have been paying a little more than the minimum which Wells Fargo sets so I do not understand why this would be a issue as long I am current with my payments, which I have always been. 
I feel Wells Fargo lowered my current limit intentionally so they would be able to charge me more fees in case I went over my limit. In over 20 years of banking with Wells Fargo I have yet to default on any account. I am going through a personal financial crisis right now but I have managed to keep all my payments on time. I expect by years end to have my situation under control and I have been gainfully employed at the same company for 20 years. I believe Wells Fargo uses this type of situation to take advantage of customers and turn a bigger profit also by lowering my credit limit they cause my credit score to go down. Thank You

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 2018-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I was issued a settlement checK by XXXX XXXX which was drafted Off a Wells Fargo account on and attempted to cash this check The teller told me that they can not cash the check I would have to open the account account after I open the account up a Bank Teller took the check to XXXX XXXX about approximately an hour went by they had come back out in the main lobby full of people and accuse me of trying to pass a fraudulent check XXXX took the check refused to give me any documentation on this check or what she was doing and accusing me up I had called my attorney XXXX XXXX While still in the main lobby of the bank and he got on the phone and he spoke to XXXX she refused to release the check R give any documentation do you to XXXX XXXX   Claiming the check was a fraudulent check XXXX  had said she told me to leave the bank or she would call the police and charges were pressed against me the check has come back that is not a bad check and the check shouldve been honored I feel that The bank employee XXXX  violated my rights by releasing falsified information to the public which was done in the main lobby of the bank as you accused me of passing a fraudulent check which would also be defamation of character and slander also I believe she took the check unlawfully which caused me financial problems as well as stress the check was re-issued a month and a half later Enclosed I have submitted evidence backing my statement and Claims of what happened

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 2018-06-10 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: FL

Complaint narrative:
Equifax has a glitch in their system and continues to report fraudulent information on my credit report that does not belong to me. I have tried to dispute this on line and Equifax 's glitch continues to say my personal identifying information does not match theirs. This is against the law. I even lost 31 points from my score fraudulently due to their glitch : The following accounts are not mine and do not belong to me : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX. 
3XXXX XXXX XXXX XXXX. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: NV

Complaint narrative:
About 2 years ago someone compromise my ss # and did a lot of fraudulent activities in my name. I filed a police report and submitted to all 3 credit bureaus. Well it had happened again. I have 3 medical report a on my credit report all 3. I did my investigation and all 3 accounts were opened up in XXXX. I have lived in XXXX XXXX XXXX  since 2012. These are not my accounts. I have submitted my I.D.and ss # card to all 3 bureaus. There are credit inquiries that I have researched as well. These business are in different states car dealerships in XXXX XXXX. I live in XXXX. I am asking removal of all 3 debts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-10 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: NV

Complaint narrative:
I have been a victim of identity theft 2 years ago. I am disputing this account with XXXX XXXX  this should have never been reported to my credit reports. XXXX XXXX/ XXXX XXXX. This account is under my ss # but a females name? How did this happened? Where is the I.D .? Why do the credit bureaus need 30 days for something that's not legit .Please remove asap. XXXX XXXX / XXXX XXXX was paid with creditor XXXX XXXX on XX/XX/2018 Please update and remove. Experian and XXXX have fraudulent inquiries that were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX ( XXXX, alabama ) XXXX XXXX XXXX XXXX XXXX XXXX ( alabama ) XXXX 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 non-monetary relief
Consumer complaint received 2018-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I became the victim of identity theft on Sunday,XX/XX/XXXX. I discovered this on Friday, XX/XX/XXXX. I have been working since then to correct this fraud and ensure that my credit reports from XXXX, XXXX, and Experian are corrected. While XXXX and XXXX  gave me no problems in providing a free, digital copy of my credit report, Experian has been consistent in refusing to provide a free, digital copy of my credit report to me. I have now spoken to three phone representatives and two managers/supervisors about the issue, and it has not been resolved. I agreed today ( XX/XX/XXXX ) to have my credit report mailed on paper and will have to wait 7 - 10 business days to receive this. I feel as though every day out from when the Identity Theft occurred on XX/XX/XXXX is an opportunity for mistakes on my credit report to be " set in stone '' and harder to remove. I am highly disappointed in how Experian has handled this situation, and wanted to report it to your agency in order to this to not happen to someone 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 non-monetary relief
Consumer complaint received 2018-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I tried to do a bank transfer from Capital One to my XXXX  Invest account and I still keep getting a message saying " Capital One is blocking you from enabling external applications ''. I called XXXX on XX/XX/XXXX at XXXX and they told me they were going to correct the issue. However, it has been a full week and I am still getting issues. I'm unable to transfer funds from Capital One to my XXXX Invest account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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 — Was not notified of investigation status or results
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
I contacted AAFES a few weeks ago asking them to delete late payments. I explained to them the reason why I was late and my efforts to make sure it never happens again. I never got a response. I had to call to learn my request was denied. I am disappointed because as a XXXX, I would think AAFES would work with military members. They did not explain why my request was denied. To make matters more confusing, AAFES was garnishing my pay so I safely assumed that would be the normal thing until the account was paid, which is why I stopped paying online. It didn't make since to pay the bill more than once. I was never notified of the garnishment and I wasn't notified when it stopped. I signed up for a payment plan to make sure I make the same payments on time. I'm even willing to pay more towards the loan if someone would assist in removing the late payments. I am asking for compassion due to the fact I fell behind on payments because I had to get a new vehicle the same month I started a new job. All of this I also explained and I got no help, guidance, or sympathy. All i'm asking is for someone to work with 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