vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I submitted an application online for a checking and savings account on XX/XX/2019. The application was submitted under a new account promotion for {$400.00}. Later on XX/XX/2019 I received an email requesting that I submit documentation to verify my identity. I immediately submitted the documentation electronically. I have written showing confirmation that I completed the necessary task that same day. It then took Citibank nearly a month to process the documentation and open my account. After several phone calls with customer service, it was not until XX/XX/2019 that I received written notice that my account was opened. That is also when I received a debit card so I could fund the account. I immediately activated the debit card on XX/XX/2019 and began to fund the account. A deposit totaling $ XXXX was made on XX/XX/2019 and $ XXXX was made on XX/XX/2019. I subsequently contacted customer service after 90 days about the new account bonus and was informed that I failed to fund my account timely. I spoke with a manager and he looked at the timeline of events and said he would submit a request to the accounts bonus (? ) department to take another look because it took the bank so long to verify my identity. He said he listed out the timeline, showing that I funded the account as soon as I was given access to the account. I just received a letter with boilerplate language saying I failed to timely fund the account and qualify for the promotion. I dont know how anyone could qualify for the offer when it took the bank a month to verify my identity and give me the ability to fund the account. This looks a lot like a bait and switch scam.

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 2020-01-20 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:
These are not my accounts I have provided. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Subject - Citi XXXX Preferred Card Per telephone call on XX/XX/2020 - I called company to inform them if i could get a reduced interest rate due to excessive medical expenses due to XXXX XXXX XXXX, and XXXX related medical cost, as i am a senior citizen on a fixed income. I definitely want to repay my debt just wanted some assistance with a interest rate reduction so i can get a handle on the balance owned on this card. 
I could get no assistance on this, and everything was no, with really no explanation.

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 2020-01-20 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:
These are not my accounts.

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 2020-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was a victim of identity theft and I my identity was stolen at a car dealership in New Jersey. The dealership is XXXX XXXX XXXX in XXXX, New Jersey. The fraud was used at XXXX  XXXX XXXX and several other banks. I have yet to have this issue cleared off of 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 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was a victim of identity theft and I my identity was stolen at a car dealership in New Jersey. The dealership is XXXX XXXX XXXX in XXXX, New Jersey. The fraud was used at XXXX  XXXX XXXX and several other banks. I have yet to have this issue cleared off of 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 2020-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My credit limit is XXXX and capital One has not increases my credit limit and has declined XXXX payment transaction due to my credit limit. 

After capital One decline payment transaction I did authorize XXXX to further charge my credit card due to the credit card limit and the notice from the bank that the transaction was declined on multiple occasions. 

The transaction is a fraudulent transaction and I didn't authorize this transaction after the payment was declined by Capital One Bank. 

Attached are the notices from Capital One that the transaction was declined due to the credit limit being XXXX. 

Capital One has not increases my credit limit and have allowed a fraudulent transaction on my account without my permission or authorize after multiple notice regarding the credit card limit of XXXX This transaction is a violation of the Patriot Act. 

Please see attachment. 

I have records all conversation with capital One regarding this matter under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These few items on my credit report aren't mine

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 2020-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is in reference to the fraudulent transactions that took place on my Wells Fargo credit card account ending in # XXXX. As I reported to the FTC, Law Enforcement & Wells Fargo my credit card was stolen and used criminally at multiple locations including my identity which is why I have now involved the FTC with filing an sworn statement and report. I've initiated an investigation with Law Enforcement, private investigative resources and seeking a resolution as soon as possible. The fraudulent balance reporting is in violation of the Fair Credit Reporting Act, specifically Section 609 of the FCRA. The evidence accumulated so far of the fraud is beyond overwhelming. The transactions appear to be all over and to the extent that fraudsters used my credit card information/identity to travel and purchase flights. I have submitted all of this information to the relevant parties and still do not have a resolution nor correction of the accurate balance reporting. I have received conclusive confirmation that my name/identity/credit information has been compromised in recent data breaches and I'm pursuing legal recourse in light of these data breaches. Unfortunately in addition, I still am missing a black briefcase that had sensitive information from the me and my girlfriends including copies of our ID for a lease agreement application. Police is investigating for suspects and I've requested surveillance. Based on the CC statement provided to me from the branch locally there are charges all over and some appear to be almost simultaneous. I was under the impression that as an added protection and layer of security the WF Fraud department will block transactions that appear outside of the norm In looking at these charges, how were these not marked as fraud immediately? Some literally are what appear to be foreign passengers using my information to book flights? The CC statement displays this Intel. How much more conclusive can fraud get. Im currently gathering information being supplied to me from the resources that I've hired including IP addresses, locations and any potential information I can use. As an official statement I would be happy to testify and show the evidence that I was either at home or at work these charges appear to have taken place and I have multiple individuals, coworkers, colleagues and evidence and even work clients that can easily confirm this. Again, the evidence of the fraud is overwhelming. My ask is for the correct, fair and accurate balance be reported before the fraud took place. The last valid transaction was on XX/XX/2019 - # XXXX - {$77.00}.

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 2020-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NM

Complaint narrative:
I received a letter stating this company was trying to collect a debt for another company. With this other company there were three checks written. the bank - XXXX XXXX XXXX XXXX and the check cash agency - XXXX charged numerous fees. I did not know I was only paying fees. This does not make sense to me. The money was in the bank when I wrote the checks and when the checks presented to my account. I will not be responsible for employee error, computer error and employee mishandling and misrepresenting the facts of my account. I have sense closed this account and filed complaints against the bank. this debt if any belongs to the bank.. the bank has paid everyone else including itself. Why the originating reason for any action ( paying the presenter of the check ) was neglected is the banking error. XXXX also collected for itself. I had a conversation with a XXXX agent who evidently facetiously did not do what she said she would do. All if any debt to XXXX XXXX XXXX  associate with the collectors claim belongs to the bank and XXXX. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
CO-SIGNED A STUDENT LOAN FOR MY DAUGHTER IN XX/XX/XXXX - {$17000.00} STARTED PAYING INTEREST ONLY ON THE LOAN ALSO IN XX/XX/XXXX.

WENT THROUGH A BANKRUPTCY IN XX/XX/XXXX.

IN XX/XX/XXXX-THE STUDENT LOAN WAS PART OF THE BANKRUPTCY BEING PAID THROUGH THEM.

BANKRUPTCY COURT RETURNED IN XX/XX/XXXX SAYING THE LOAN HAD BEEN PAID IN FULL. 
AFTER THE CONCLUSION OF THE BANKRUPTCY, WE RECEIVED A LETTER FROM NAVIENT COMPNAY STATING WE STILL OWED OVER {$7000.00} DOLLARS. 
AFTER TRYING SEVERAL PHONE CALLS, AND SENDING PAPERWORK, THEY STILL JUST STATE WE STILL OWE THE MONEY. WHEN ASKED WHAT INTEREST RATE THEY USE, THERE WAS NO CLEAR ANSWER. ONLY THAT THEY ADD INTEREST DAILY. 
LOOKING OVER THE ACCOUNT HISTORY WE MANAGE TO PRINT FROM THEIR WEB SITE, THEIR INTEREST IS NO BETTER THEN A LOAN SHARK. 
OUR BANKRUPTCY LAWYER WAS NOT HELPFUL, AND THOUGHT THE LOAN WAS PAID OFF AS WELL. 
WE STARTED PAYING THE XXXX BALANCE IN XX/XX/XXXX. 
FOR EVERY 100 DOLLARS THEY SEEM TO TAKE 50 DOLLARS OFF FOR INTEREST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
A debt from a Bank of America credit card was settled in XXXX by myself through a debt collection agency, XXXX XXXX XXXX ( ARS ) XXXX PA  XXXX Over the course of many months throughout XXXX and XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) contacted family members of mine about this debt, but did not contact me. I received a call from them on XX/XX/XXXX that I was being served a summons for this debt. I returned their call and spoke to XXXX XXXX I informed him that the debt was settled and gave him the information for XXXX including contact information and account numbers. I emailed him the settlement letter. He let me know he would contact me back and I did not hear back. 

On XX/XX/XXXX I received another automated call from XXXX letting me know they were serving me with a summons to appear in court. I called back immediately but the office was closed. It was Friday, so I had to wait until Monday. 

On XX/XX/XXXX I called XXXX and spoke to Ms. XXXX. She let me know that they didn't receive the email. Then she checked again, said that they did have it, but because the file was in jpeg form and not pdf they couldn't open it. I resent the file in pdf format. She said she would look it over and call me back in fifteen to twenty minutes. 

In the meantime I called XXXX and spoke to a representative that confirmed the debt was settled and she said she would call XXXX directly. She called me back and said that both XXXX and Ms. XXXX hung up on her when she informed them of who she was. 

It has been an hour and I have not received a call back from XXXX nor can I get a hold of them. Their voicemail box will not accept voicemails. I have received no email response from them. I am afraid they are serving a summons to my former employer and harassing my family. I am having XXXX XXXX  as this is incredibly stressful and embarrassing and hurting my career and reputation.

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 2020-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient, formerly Sallie Mae, Overcharging interest, interest rate, my payments dont seem to paying down principal of loan, negative reports on my credit score even though Ive been paying monthly for 8 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: FL

Complaint narrative:
I am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for and did not benefit from. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans that I did not authorize and did not benefit from. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.

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 2020-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
Debt was paid on the phone and confirmed with XXXX as paid and done. Additionally, debt is past the statute of limitations and should be taken off the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am trying to apply for a mortgage my sister 's credit card debt keeps being reported from all 3 credit bureaus. Every year I send in my birth certificate and ID and still, her credit card debt keeps being reported on my report. Her name is XXXX XXXX XXXX my name is XXXX XXXX XXXX, I am not sure why they keep getting us confused. When I call the credit card companies they state that the accounts are under my sister 's name but the credit bureaus keep reporting the incorrect debt. The credit cards listed on my credit report that are not mine are the following : XXXX XXXX  : account = : XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20 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: NY

Complaint narrative:
There is an account From XXXX that is reporting on my credit report that does not belong to me and it is affecting my credit score i tried to have it disputed with the bureau but it been more then 45 days and it is still reporting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
On Saturday, XX/XX/XXXX, I attempted to access my XXXX account with USAA as a routine checking of funds. ( My wife had already accessed her XXXX account at the same institution without problems. ) I was prevented from accessing my account online until I answered several questions. They included questions about the amount of my net worth, my annual income and whether I was a foreign agent. 

I called the customer service at USAA immediately to find out why my access was prevented online to my account. A representative informed me that a division of USAA ( called MOET ) required me to answer those questions or they would close my account. I protested that I did not necessarily want USAA to have direct knowledge of my net worth or annual income. Because it was a Saturday, she suggested I call back on Monday to discuss the situation with a MOET employee. My access to my account was withheld. 

On Monday, I called USAA again and spoke with a representative of the MOET division. She stated the Patriot Act required that they ask those questions. She further stated the Federal government required all banking institutions to do this. I protested that no other banking institution I dealt with had asked for this information. I asked to speak with someone else, but she stated no supervisors were available due to the holiday ( XXXX XXXX ). She stated if I did not complete the questions that my account would be closed. I had my wife talk with her as well and she told her the same thing. We told her we were retired XXXX   XXXX  and all the money in the accounts came from our paychecks while XXXX  XXXX. We were not foreign agents of any kind. Eventually, my wife told her we would answer the questions, but the answers may or not be true. ( We did answer truthfully that we are not foreign agents. ) We both believe that USAA violated our rights by conducting what amounted to an unlawful search and seizure of our information. They held my account hostage to this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meade Recovery Services, LLC
State: UT

Complaint narrative:
I received a Demand letter from Meade Recovery Services dated XX/XX/XXXX for a supposed debt owed to XXXX XXXX XXXX XXXX of {$37.00}. This balance was paid in full directly with XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX which they confirm. Meade Recovery verbally confirms that they have been told by XXXX XXXX XXXX XXXX not to continue with collections attempts but refuse to provide me with any written confirmation that they have closed their file. 

Given that they have sent me a written demand letter informing me that I had until XX/XX/XXXX to pay the balance before they begin collections practices for this non-existent debt I feel it is only reasonable to expect Meade to provide me with WRITTEN confirmation that they have closed their file at XXXX XXXX XXXX XXXX XXXX request and that any potential collections acts have been ceased,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Executive Credit Management, Inc
State: PA

Complaint narrative:
Despite writing the company and notifying them of the correct person in default, this company still sends me letters. The latest letter they insinuated that they were attorneys, they in fact are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Recovery Management
State: FL

Complaint narrative:
Statute of limitations has expired

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: NV

Complaint narrative:
Please remove this account, and the inquiries not authorized.

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