vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-03 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: TX

Complaint narrative:
I live in XXXX, Texas and sometime in XXXX of this year my ex-girlfriend lifted personal information without my consent during a visit. She went to XXXX XXXX, Michigan and made an unauthorized charge of {$1600.00} to XXXX XXXX to make repairs to a vehicle. Instead of following correct procedure and calling my phone number, she handed them the phone and someone claiming to be me gave them my personal info. When I asked her about why she did this without asking me she texted me saying, " I was scared you were going to say no! '' Despite this evidence, despite the negligence of the staff in their method for obtaining consent for the charge, and despite the fact she made unauthorized phone payments again using lifted personal information that I did not give her consent to use, XXXX and experian claim their investigations found nothing. There are still {$250.00} or so that they claim I owe for a charge I never made. This is on file with the XXXX XXXX, TX sheriff 's office under case XXXX. They still have not arrested her as far as I know and she has changed her number and ignored all my attempts to contact her. I don't know if this is some kind of sexism because I'm the male partner in this relationship or why she is being treated like she is innocent and I am being treated like I should just pay even though I am the victim but it is ridiculous. I demand that XXXX XXXX and XXXX to be investigated for misuse of my credit card information and errors in their fraud investigation procedures and that the credit card charges wiped out or transfered to the guilty party, one XXXX XXXX, and to be recognized for what they are : Fraudulent unauthorized charges! I want letters sent to my credit reporting agencies apologizing for this lapse in justice. If anyone should be slighted for these missed payments, its her. I never agreed to the terms of her making payments via phone to my card directly. I tried to press charges to have her arrested. Now I don't know if that's in the scope of your powers or not, but for some reason the Sheriff isn't making any moves and I don't know why. The whole thing is frustrating and defies reason. I can provide more than enough evidence that she admitted to wrongdoing in text messages and XXXX has information on the multiple permutations of her name and fake names used to may phone payments.

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 2018-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
Hi, I consolidated my student loans with XXXX XXXX inXX/XX/XXXX and it appears my loan was sold to XX/XX/XXXX who changed their name to American Education Services ( AES ). My original loan amounts are as follows : 1. Beginning balance {$2400.00} ( sub ) Current balance {$2300.00} 2. Beginning balance {$1900.00} ( unsub ) Current balance $ {$1700.00} 3. Beginning balance {$14000.00} ( sub ) Current balance {$13000.00} 4. Beginning balance {$14000.00} ( unsub ) Current balance {$13000.00} Totol due as of XX/XX/XXXX {$31000.00} I have been making payments towards my student loans since XX/XX/XXXX, over 10 years and I still owe {$31000.00}?? Something is wrong!!! Since XX/XX/XXXX, my payments were between $ XXXX- {$200.00} and as of XX/XX/XXXX, my payments are {$380.00} a month. 
I have contacted AES on several occasions to have them explain to me why I still owe them so much money. Unfortunately, their response doesnt justify the money I have already paid over the years and the remaining balance. I have been trying to research who I can speak with to have my consolidated student loan researched for accuracy. Hopefully you will be able to assist me. 

Here is the contact information I have for AES : American Education Services XXXX. XXXX  XXXX XXXX, PA XXXX XXXX American Education Services XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
My spouse at the time, had a car accident and had recieved medical services from a XXXX XXXX XXXX XXXX. In XX/XX/2013 XXXX XXXX XXXX placed a collection notice in my name on the 3 credit reporting agencies. I disputed what was in my credit report with XXXX but they said they investigated it within 10 days and said their reporting was accurate and provided no information to prove their decision even after I informed them the debt was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I live in XXXX, Texas and sometime in XX/XX/XXXX my ex-girlfriend lifted personal information without my consent during a visit. She went to XXXX XXXX, Michigan and made an unauthorized charge of {$1600.00} to XXXX XXXX to make repairs to a vehicle. Instead of following correct procedure and calling my phone number, she handed them the phone and someone claiming to be me gave them my personal info. When I asked her about why she did this without asking me she texted me saying, " I was scared you were going to say no! '' Despite this evidence, despite the negligence of the staff in their method for obtaining consent for the charge, and despite the fact she made unauthorized phone payments again using lifted personal information that I did not give her consent to use, citibank and XXXX claim their investigations found nothing. There are still {$250.00} or so that they claim I owe for a charge I never made. This is on file with the XXXX County, TX sheriff 's office under case XXXX. They still have not arrested her as far as I know and she has changed her number and ignored all my attempts to contact her. I don't know if this is some kind of sexism because I'm the male partner in this relationship or why she is being treated like she is innocent and I am being treated like I should just pay even though I am the victim but it is ridiculous. I demand that XXXX XXXX and Citibank to be investigated for misuse of my credit card information and errors in their fraud investigation procedures and that the credit card charges wiped out or transfered to the guilty party, one XXXX XXXX, and to be recognized for what they are : Fraudulent unauthorized charges! I want letters sent to my credit reporting agencies apologizing for this lapse in justice. If anyone should be slighted for these missed payments, its her. I never agreed to the terms of her making payments via phone to my card directly. I tried to press charges to have her arrested. Now I don't know if that's in the scope of your powers or not, but for some reason the Sheriff isn't making any moves and I don't know why. The whole thing is frustrating and defies reason. I can provide more than enough evidence that she admitted to wrongdoing in text messages and citibank has information on the multiple permutations of her name and fake names used to may phone payments.

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 2018-10-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
After filing a claim, I did not get reimbursed from one of 2 stolen checks ( payroll checks from the XXXX  I work with ) addressed to me but that got cashed by somebody else. I started the claim and submitted the required paperwork on XX/XX/XXXX of XXXX through the treasury department and the bank of my XXXX. I got a response on XX/XX/XXXX of XXXX that I would get reimbursed only for one of the checks but not the second. TD Bank, the bank of first deposit for the  stolen checks, has not reimbursed the XXXX XXXX XXXX XXXX account ( that had issued the checks for me ) to date despite repeated attempts. 
My XXXX XXXX XXXX XXXX was not reimbursed by TD Bank and the amount of the stolen check was : {$1000.00}. The signature on both checks was clearly forged and clearly does not match my previous signatures at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a letter in the mail indicating I had been approved for a credit card, including my credit score. I also received an actual card. I never applied for a card with Capital One or any other credit card company. When I contacted Capital One, they indicated they already had restricted the card because they suspected fraud. Cpaital One indicated they would place the account under investigation, close it, and notify the credit bureaus of the error. Running my credit without my authorization reduced my overall credit score and Capital One told me their reporting would resolve that issue. I am following up with CFPB as I have NOTHING in writing from Capital One regarding this and am now afraid that I am the victim of identity theft. If they suspected fraud, why would they run my credit and issue a card? The case number with Capital One is # XXXX. What can be done to ensure that companies who suspect fraud do not continue to injure consumers by continuing to process an account they believe may be fraudulently obtained?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
From : XXXX [ mailto : XXXX ] Sent : Saturday, XX/XX/XXXX XXXX XXXX To : XXXX ; <XXXX> Cc : XXXXquestions <XXXX> ; XXXX   <XXXX> Subject : Re : Loan XXXX Online Payment Fees Greetings, You recently acquired our loan without our intention or wishes. In over 13 years we have never been charged a {$15.00} fee to pay our loan online through the original lender, XXXX. We are not happy or satisfied that SPS charges {$15.00} for the pleasure of accepting online ACH payments. This means we would have been serviced at the tune of over {$2300.00} in monthly fees on our original loan from XXXX. 

According to your website, XXXX XXXX XXXX your company has three core values, Integrity, Intelligence and Intensity. I suggest you review Integrity and Intensity.

Integrity : " We work honestly and fairly with all customers, clients and co-workers. '' $ 15/month for ACH payments is shameful and wholly unfair and dishonest as these are automated cash transactions between financial institutions. 

Intensity : " We work hard to exceed expectations. '' " We always honor our client and customer commitments. '' " We deliver superior service to every customer, every client, every day. '' This is the first interaction we've had with your company. SPS has completely failed our expectations. We expect acceptance of full timely payments to only include interest, principle, and escrow.

Please explain how SPS is honoring a commitment we have never entered into or agreed to regarding these fees?

We challenge SPS to fully explain how your company 's {$15.00} additional payment penalty fee delivers us superior service? 

This personal financial correspondence has specifically been addressed to the Commonwealth of Virginia 's State Corporation Commission, Bureau of Financial Institutions Division, for their consideration and attention to this matter. We eagerly anticipate SPS ' response.

Very Sincerely, Homeowner 1 Homeowner 2

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter from the KYC department of Citibank early XXXX requesting me to contact them as early as possible before XX/XX/XXXX otherwise my account will be blocked. I called the given number XXXX -- XXXX on XX/XX/XXXX. It is a call center in XXXX, XXXX. The person I spoke to by name XXXX said all they required from me was to complete a form XXXX. On XX/XX/XXXX, I proceeded to XXXX XXXX XXXX XXXX XXXX, XXXX, CA where an XXXX by name XXXX XXXX completed the form with me and proceeded to log it into their system and sent a copy to the KYC department. He assured me that I had provided the needed information. 

However, on XX/XX/XXXX my bank account was blocked by universal block. All efforts to have my account unblocked have failed. The branch said only XXXX, XXXX KYC can unblock my account because no one in the States can do it. Amazing.

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 2018-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I sold 2 items on XXXX  and the buyers paid through PayPal. PayPal is refusing to give me the money from my XXXX sales when I have provided all the necessary documents to prove that the money I received is from XXXX sales. Clearly the transaction matches XXXX. I have all the proof and also calls recorded that say my account would be lifted if I provide the correct documents which I have done. I have shipped the items to the buyers and have provided the correct tracking information and invoices of these sales to PayPal along with a photo copy of my drivers license! PayPal is holding {$600.00} from me. I want PayPal to release my money. This is not a new PayPal account and was created 5 years ago!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Leaders Financial Company
State: NJ

Complaint narrative:
Yes i been with XXXX XXXX XXXX for a couple of months they been trying help me get something off my credit report that shouldn't be on there but as it looks they was giving a hard time from leaders financial co i was a co-signer to a car that was giving back and not repoe

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 2018-10-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Incorrect historical data on my credit report.

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 2018-10-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted Experian through their website to request that a fraud alert is added to my credit report after becoming aware that I was the victim of identity theft. Their system told me that my request could not be processed online. I downloaded a form that I printed and mailed with a copy of my driver 's license and my Medicaid eligibility determination letter to prove my identity. I don't have regular medical insurance, bank, or credit accounts. Yesterday I received a letter telling me that they can not process my request for a copy of my credit report and asking me to buy one. I did not request a copy of my credit report. I only wanted that a fraud alert is placed on my credit file.

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 2018-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a Citi Priority account on XX/XX/18. I received confirmation of my account number XXXX the same day. I received a letter dated XX/XX/18 that my account is open. I received a second letter dated XX/XX/18 that my account is closed because they couldn't verify my information. 

How does this make sense? Did Citibank approve my account without verifying my information? Or did they approve my account then changed their minds. This is the second time I've tried opening an account. The first was denied proactively for the same reason. Before, they didn't give me the opportunity to verify my information. Now they seem to be messing with me again. 

I have already received my welcome package of checks, ATM card, and PIN number.

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 2018-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
I was in a financial Hardship where I lost my job and could no longer afford my car payments. O recently scarficed my right & the company came to repossesse the car informing that the car would be placed in a auction & the profit that is made from the auction would be placed towards my loan. I originally had another card from usauto sales that was a XXXX XXXX XXXX that I was paying {$180.00} for every two weeks however o traded it in for another car which was a XXXX  XXXX XXXX that supposed to be a push to start & the payment increased to {$250.00} every two weeks. Company told me that I can trade my car in after 3 years but didn't inform me that my payments will increase. Company did not want to work with me during financial hardships

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried on multiple occasions to try and get information correct on my credit report. XXXX continous to report and address XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XX/XX/XXXX I have never lived at this address or in that town and the apartment has sent this to collection with XXXX XXXX XXXX to collect on a debt that is not mine. I also believe that this collection is over the seven year mark too. I have also written to XXXX XXXX and the two Bureaus Transunion and XXXX concerning the balance that continues to be reporting. This was a voluntary repossession in XXXX. The car was sold and the new balance was never reported and the bureaus refuse to investigate the account.

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 2018-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
Diversified Consultants Inc put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. The letter they sent shows a different balance than what is being reported top the collection bureaus. I request that Diversified Consultants Inc verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Diversified Consultants Inc is unable to provide the above identifying account information, this account must be deleted from all CRAs. I have attached the only letter which I have received from them. I requested validation, never received validation before it was added to my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I received a credit card from XXXX XXXX for which I never submitted an application. I contacted all three credit bureaus to confirm no additional suspicious activity on my credit report and place a fraud alert. I had no issues with XXXX  or XXXX. Equifax refused to review my credit report with me on the phone. I was required to submit to a long series of extensive questions regarding my financial history dating back over several years. I did not have such documentation readily available to me to respond. Given that I have just been the victim of fraud, I also frankly did not want to submit this level of information. The service representative refused to discuss my credit report with me and notified me that, in order to receive my credit report from Equifax, I am required to submit photocopies of identification because I did not answer all of her questions regarding my financial history. My alert claim number is XXXX.

Company response to consumer: Closed with explanation