vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i am seeking assistance from CFPB regarding my Credit that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. 

Debt reported : XXXX XXXX XXXXXXXX - {$3000.00} Capital one - {$6100.00} Capital one - {$8800.00} Capital one - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} XXXX - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: MD

Complaint narrative:
I wrote to Experian on several occasion asking them to remove these accounts unless they can properly verify them. I receive several letters from them with different dates stating that the investigations are still pending. I wrote them more than 30 days ago regarding this matter and they still have not provided me with proper verification. 

I am trying to resolve this issue immediately. If this issue is not resolved, I will be pursuing litigation under a Civil suit and also requesting a class action suit. 

Experian XXXX Box XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX : XXXX / DOB : XX/XX/1970 To Whom It May Concern : Please be advised this is my THIRD WRITTEN REQUEST. 

The unverified items listed below remain on my credit report in violation of Federal Law. Rather than immediately remove the items listed below per federal law, you opened up a dispute for these items, contrary to my request. I am NOT disputing these items, I am demanding that they be removed if you can not provide me visual proof that I have signed contracts for these accounts. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly. '' Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a serious consumer fully intent on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 

Thank you, XXXX XXXX XXXX Account Name : XXXX XXXX Account Number XXXX Reason : Not mine. 

Account Name : XXXX XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Balance {$15000.00} Account Name : XXXX XXXX XXXX XXXX Account Number 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 2018-06-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i am seeking assistance from CFPB regarding my Credit that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. Debt reported : XXXX XXXX XXXX - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} Chase - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} XXXX - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: ALMA Financial Assistance Corp.
State: PR

Complaint narrative:
My name is XXXX XXXX, and for the year XX/XX/XXXX enter the Alma Financial program ( license XXXX   XXXX ) to help us consolidate our debts in a single monthly lake. We were in the program until XX/XX/XXXX, since I completed the correspondent payments with my clients. With the exception of a single creditor, who rescues them, since, as we are trying to buy our first home, in the managements of it, we realized that we were affecting the credit and decided to handle it personally without intermediaries. Today I have communicated four times to the offices, because we need a payment experience letter. I even went personally and it is closed, they do not have a fixed schedule. They do not attend clients in person. I urgently need that letter, since, we are in mortgage process. First they respond that they can write me a letter because I'm not in the program anymore. Then they tell me they have to talk to management, but they are not available. Then they tell me, that it is the legal division that has to do the most. And finally they tell me that they are going to send me a letter indicating that we already cancel the program, and they will send it by mail but in several weeks, they do not know when they can do it because they have a lot of volume. I'm terrified that because of the inefficiency of this program, I can not get my home. At this time, my family is living separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX at XXXX XXXX ( XXXX ) as well as got in a XXXX XXXX XXXX XXXX ( XXXX ) extended warranty contract there on XX/XX/XXXX. I was told by the finance manager Will that I could cancel within 30 days of the contract without any penalty fees. The amount of the extended warranty contract was {$1500.00} with payments of {$25.00} per month for 60 months. My XXXX XXXX XXXX XXXX Policy was cancelled on XX/XX/XXXX in which I was informed on XX/XX/XXXX by a XXXX XXXX XXXX representative that the balance they sent over to the dealership ( XXXX XXXX ) was {$1400.00} which was minus the cancellation fee of {$75.00}. Capital One Auto Finance ( XXXX ) who works hand in hand with the dealership informed me that only {$1300.00} was applied to the interest and principle of my car as of XX/XX/XXXX. That {$1300.00} was in the amount of two payments of {$910.00} and {$390.00}. The dealership also did not inform the bank that the payments were for the extended warranty, so the amount accrued interest. I have been contacting the finance manager regularly since XXXX and have been leaving voicemail messages and HAVE NOT received a phone call or a response. I have been getting the run around and am very upset. This company appears to be a total ripoff.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-07 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: DISCOVER BANK
State: CA

Complaint narrative:
i am seeking assistance from CFPB regarding my CrediXXXX that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. Debt reported : XXXX XXXX XXXX - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} Discover - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: CA

Complaint narrative:
i am seeking assistance from CFPB regarding my Credit that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. Debt reported : XXXX XXXX XXXX - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} Citi Bank - {$6600.00} Citi Bank - {$1100.00} XXXX - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.

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 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
XX/XX/2018 : Received email from Wells Fargo indicacting they were sending a new ATM card to me 'as a precautionary measure because your current Wells Fargo ATM card may be at risk for unauthorized transactions. 
I find this extremely curious as I have not used my ATM card at any location other than a Wells Fargo ATM machine. 
When I called in response to receivnig the email, inquirying about which machine in their network was suspect so I could avoid using it I was told they did not have that information. When I asked to be informed when then did have that info I was told they would not do that. 
When I asked about when I should call back they indicated there was no way to know : but this was on their network - one of their machines! Paint me confused and frustrated.

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 2018-06-07 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: CO

Complaint narrative:
I made my loan payments through navient for years and they did not inform me of XXXX or provide me with correct information when I asked. They did not ensure that I was on the proper payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Allied International Credit Corp., (US)
State: AZ

Complaint narrative:
Every day for the last several weeks between XXXX and XXXX I get a call from XXXX about a collection. 

I dont owe anything to anyone and after looking online this company has been known for harassment and has been sued multiple times for this behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: WA

Complaint narrative:
I have a student loan payment due the XX/XX/XXXX of each month. Because I am now paid at the end of the month ( instead of the XX/XX/XXXX as before ), I requested to have my payment due date changed to the first of the month.

I made a payment for the bill due on XX/XX/XXXX late on XX/XX/XXXX in the amount due of {$260.00}. Immediately following that, I requested through Navient 's online request system to have the due date changed. 

I received electronic notification via Navient 's automated message servicer that my loan billing groups had to be changed in order to change the due date and the next payment would be due XX/XX/XXXX. 

Shortly after that, I received notification that I had a new message. It was a generic informational pamphlet about allocation. When I logged in to view that message, my account showed that I had a monthly payment of {$260.00} past due with a due date of XX/XX/XXXX. I immediately contacted Navient through their online email system to inquire about this mistake. 

When the issue was not addressed, I called the Navient call center. The customer service representative was unable to read the changes to my account correctly. The rep told me that my payment from XX/XX/XXXX was still pending and the past due notice would go away when it posted. This was incorrect, as the XX/XX/XXXX payment had posted both in my bank statement and on my account information page on Navient 's website. 

As a result of the phone call, I received two automated emails saying my email requests would not be addressed since the customer service rep had addressed my issue. I sent additional emails via their website to inform them that the issue had not been addressed and to please explain why there was a payment due XX/XX/XXXX and why I had not been informed about it. 

Having not received a response from Navient, I logged into my account again to check on the status and my bill date had been changed back to the XX/XX/XXXX of the month. I was not notified in any way about that change. Additionally, it now shows my XX/XX/XXXX payment in the amount of {$160.00}. I paid the full amount of my bill {$260.00} which can be proven by my bank statement. 

I have received no notification as to the status of my account, why my loan due date was changed, why my account no longer reflects my payment of {$260.00}. I have sent multiple requests to Navient for assistance with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ad Astra Recovery Services Inc
State: MI

Complaint narrative:
I was not given any paperwork from this Company to pay the debt. It was just added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
I am in disagreement with the resolution or response provided by CIG with regard to my claims. CIG claims that the XXXX XXXX or " XXXX XXXX '' agreement was signed XX/XX/XXXX. However there is a separate contract date that I have been asking them to look into all along as well. About two weeks after the original agreement they had me sign a contract after the one provided stating that " the Finance Company '' assuming CIG had changed some of the terms. They indicated that I would receive a copy of the new one in the mail yet nothing was ever received. At the time I had no reason not to trust these finance people of any of then for that matter since I had already taken the car home about two weeks earlier approximately. SOme days after I get a call from CIG saying that my original 1st payment should have been due in the month of but was due XXXX but instead I had insisted. 

Additionally, their response states that they are not required to notify or inform a customer of that kind of action or decision ( repossession ) but yet XXXX XXXX kept constant communication via email to me regarding making a payment and other things but yet somehow this type of information wasn't important to have delivered to me? Its ridiculous to imagine that a loan company would not be obligated or required to notify customers of such actions especially if there is on going conversation via email??? How is that even legal or moral?? Not only did this happen once, it happened twice and she didn't think it important to tell me the status of the delinquency and actions that were about to take place?? 

Additionally, they have never investigated any change in interest rate that I have mentioned or referred to. I am requesting that a record of all notes and interest rate changes or fluctuations since the very inception of this loan be reviewed because something is not right. 

I would also like to know why they have failed to respond to my CFPB complaint filed XX/XX/XXXX as it remains open? Am I lying about that too? There have been clear violations or privacy that things you have done that are against the abusive collection practices and you refuse to acknowledge or even respond. What about the XXXX that has never been provided since you are a debt collector. Is it legal for your company not to respond for years??? 

I have been bringing up your shady business for years now and it all seems swept under the rug and nothing is resolved to my satisfaction nor is anything fair. I have filed other complaints with CFPB and the Ca Dept of Business Oversight, XXXX and the Attorney Generals office about every single one of the complaints that I have brought up to you and has not been resolved satisfactory. Debt collectors abusive acts against customers is unlawful

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 2018-06-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: POPULAR BANK
State: NY

Complaint narrative:
Called Popular Bank on XX/XX/XXXX regarding maturing {$250000.00} 24 month CD due date XX/XX/XXXX ( originally tried calling in 7 days prior but unlike with other banks I have had CDs with was told their [ 'sticky fingers ' ] policy was to only allow redemption orders to be placed 0-9 days after maturity date - denying me interest on the float ).

Popular Bank representative took my request to transfer entire account balance including any unpaid accrued interest via ACH to my previously linked XXXX checking account. Verified all related account and routing numbers with the representative during this call. Was told the transfer would occur 2-3 busi
ness days from then ( another 'sticky fingers ' policy intended to create an unpaid float ). 

Called Popular Bank back on XX/XX/XXXX to complain that funds were not received. Was told that transfer had occurred XX/XX/XXXX and that I should check with XXXX. Asked the representative to start a trace. 

Called my personal rep at local XXXX account. Asked him to start a trace from receiving end. XXXX has since confirmed that there has been nothing sent or pending to any of my accounts matching this transaction. 

Note : this CD account was configured to sweep each month 's interest into the linked XXXX account, which was successfully done 24 times. There is no room for ambiguity about whether the correct information is in Popular Bank 's records for delivering these funds.

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 2018-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I recently decided to cancel my Am/Ex due to extensive annual fee of $ XXXX/year and the fact that I don't use the card much. 
Before the closing I wanted to redeem my points to my account ( XXXX ) which translates to {$42.00} or have the card apply to any gift card where the points can be applied and the remainder charged to the card. 
The Am/Ex representative refused both transactions leading me to the conclusion that the Am/Ex wants to confiscate my points as result of my account closing decision. 
This type of action is not only unethical but truly reprehensible.

Company response to consumer: Closed with explanation