vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-19 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: FORD MOTOR CREDIT CO.
State: SC

Complaint narrative:
I found that I was a victim of identity theft after my wife passed away in XXXX. I found that the identity theft I had gone back into the XXXX. I have alone currently with Ford motor credit, I started that loan in XXXX. There were no issues at that time. I want to trade in my vehicle for a XXXX XXXX. Here is where and account was opened in XXXX by a person with the different 1st name different middle name different address different phone number different work information different email address. The police exceptionally cleared me from death of the offender in XXXX when I 1st became aware of that account. Ford has now chosen to be arrogant and wrong full and deny me any type of appeal process because they claim they have internal documents and stuff they found on the Internet that goes against a court finding and the police finding. This is not only wrong it's completely false and it's because of the identity theft that it even exists. They will not talk to me about it they refuse any type of contact they want me to spend money to go to court and hire an attorney when they are simply wrong and they don't want anybody else seeing it. They know their position is weak and they don't have any proof because when I asked for the documents they used to go against the court and the police they told me I had to subpoena it. That is wrong and it is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: PA

Complaint narrative:
ON XX/XX/19 I attempted to deposit cash into 2 separate XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX ATMs. Both times the ATM displayed an error message stating " transaction can not be completed '' and the ATM did not return my cash out of the machine nor did it provide a receipt. I contacted my financial institution " Simple Bank '' and XXXX. XXXX is requesting a Regulation E dispute form be sent to them from Simple Bank. Simple Bank is refusing to do that and stating " You just need to work that out with the owner of the ATM ''. XXXX is refusing to do anything else until Simple Bank sends over the documents. Meanwhile I'm out my money and I can't get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Michael Wayne Investment
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Several years ago Wells Fargo opened accounts without my authorization, more than the accounts I was choosing to open. 
I have dealt with multiple problems with these particular accounts not being closed as they claimed they had been. I made a previous complaint ( XX/XX/XXXX ) against Wells Fargo due to the issues of receiving debit cards for supposedly closed accounts. When I had attempted to contact them, nobody could help me and kept telling me incorrect information regarding this issue. When I was directed to the Executive Office, they were the least helpful and extremely rude to me. That is when I filed a complaint here. Wells Fargo failed to initially respond to the CFPB complaint in timeframe allowed. When they finally did, their response was from the Executive Office and although thorough, the issue had already been resolved at branch level by a competent employee of Wells Fargo. The response letter did inform of a monetary amount to me for {$120.00}. That was stated to be deposited within 2 statement cycles. This is has now not happened. When I contacted the Executive Office of  Wells Fargo, they placed me on long holds asked me numerous times for this case number and didnt seem to know or have information on this matter. As they did before they asked me for my number and will call me back once investigated. This is appalling that they seem to have no clue as to what I am calling about. They asked me where I got this information, I then read letter FROM Wells Fargo to the rep on the phone. I was initially respectful to the monetary resolution and the fact that the issues were addressed, but I have never received their customer appreciation monetary relief they stated would be provided nor does anyone know what is going on, nor have they called me back. They stated this before that they would call back and never did then either.

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 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX and 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Radius Global Solutions called me in XX/XX/2019 regarding an account with XXXX that I verbally told them I disputed. They sent me a letter. Initially I was going to dispute it, but given the time and energy to dispute a {$240.00} charge, I reluctantly decided to pay it to settle the matter. I opted for the online payment option and initiated the transaction online. I wrote " paid '' on the letter and filed it in my tax documents. Fast forward to XX/XX/2019, I happened to check my credit report and was stunned to see an open collection amount from Radius Global Solutions ( I do not have any other collection accounts and have a history of paying my bills on time! ) I was enraged that I had not heard from them since XX/XX/2019 but yet they reported my account to the credit bureaus. Further, sometime over the late spring/early summer, I had received a letter from the original creditor informing me that there was a data breach with this company and my payment information had been compromised. 

Upon reviewing my credit card statements, the amount I had paid online was not processed. I am assuming this had to do with payment system breach. 

When I questioned Radius why I had not been contacted by them since that initial communication in XXXX, their response was " we called you 33 times. '' Yet, they did not leave one voice mail. In the age of endless solicitation, I do not answer calls from numbers I do not know. I also received no other written communication from them that they had not received a payment or a dispute and that they would be reporting me to the credit bureaus. Radius told me that they are not required to leave voicemails or send additional letters. But yet they called me 33 times ... 

The business practices used by Radius is what gives collection agencies a bad name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Hello my name is XXXX XXXX I went to the university XXXX XXXX back in XXXX exact date XX/XX/XXXX I only stayed at this school until XX/XX/XXXX according to the university XXXX XXXX they were dispersed XXXX dollars from Sallie Mae 's now navient. They refunded navient back on XX/XX/XXXX in the amount of XXXX navient is stating that they have no record of that while I emailed the proof the ledger of what was refunded back to them. They are stating that I have to pay navient back over XXXX the total amount dispersed for the two months that I attended that school was in the amount of XXXX. They are trying to make me pay and extra XXXX and some change for something I never used. XXXX XXXX response to the matter was well why are you looking into it now 11 years later. While I was in school and still in school I thought my loans was deferred but according to them which I did not know at the time that a private loan you have to pay back while still in school and they are trying to make me pay for something that I never used as well as not will to work at a reasonable price for repayment to what I can financially afford. They were rude, nasty and not made statements to me that you should not say to a customer such as " why am I looking into the matter now '' " you should have did this 11 years ago it's to late '' " it's a debt that has to be paid '' I'm willing to pay what i used and that is the XXXX not over XXXX dollars. Inhave documents to prove what was issued to university XXXX XXXX and what was refunded back to navient. THERE IS NO WAY THAT FOR 2 MONTHS OF SCHOOLING THAT IT COST XXXX DOLLARS. They are disguising student and not explaining what a private loan is and when it comes time to pay they are not flexible with the students and what they can afford. I would like to take this higher to a class action lawsuit if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
The federal Stafford loan was approved for XXXX XXXX on XXXX. I met the 3-year period of monitoring for continued XXXX on XXXX. As of this date ( XX/XX/XXXX ), the loan was no longer subject to any further monitoring by the U.S. Department of Education or its loan servicer, XXXX. On XXXX, the loans status was officially DISCHARGED and from this date the loan was to be reported as discharged as a final conclusion on the status of the loan. 

TransUnion refused ( and still refuses ) to report the loan as DISCHARGED and reports the loan as a consumer dispute. All of the other credit reporting agencies removed the loan from their respective credit reports. 

TransUnion continues to post a disconnected phone number as a contact number for me. The phone number XXXX was de-activated from my name on XXXX. This number can not be re-activated in my name. It is a permanent disconnected phone number for my name. 

TransUnion recently posted a name that is not legal for me to use. The last name XXXX was changed by court order signed by a circuit judge on XX/XX/XXXX. It is not legal for me to use the name XXXX in any way or combination or as part of my legal name on any documents or for any purpose.

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 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019, 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-19 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: VA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my 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 non-monetary relief
Consumer complaint received 2019-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN FINANCING CORPORATION
State: CO

Complaint narrative:
I reached out to American Financing to assist me in getting a loan for a refinance. I gave them all the information that they requested. However, through the entire process, it has been a struggle to get any communication. I have to call multiple times per day and email to get any communication. It is always " I will call you back. '' Calls are not returned. On XX/XX/2019, we set to close. We signed the papers and we were told that the money would be electronically transferred the next day. It has yet to happen and yet again I can't get anyone to answer calls. I talked to someone named XXXX about it and he said he would try to get things sorted out. However, I have not heard anything. I do not know if the money is coming or when. They make false promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: VA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my 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 2019-12-19 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: VA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased a vehicle from XXXX XXXX in XXXX, TX. I arranged financing through Chrysler Capital in XXXX XXXX, TX. Included in the loan I financed an Extended Warranty Service contract at a cost of {$2000.00} for a period of 2 years. 

On XX/XX/XXXX I refinanced the loan through my credit union for a better loan rate. 
On XX/XX/XXXX I received a letter from Chrysler Capital verifying they had received the funds to pay my account in full. They also advised me that I was entitled to a refund of unused premiums for the Service contract and that I should contact the seller ( Dealer ) about recovering unearned premiums. 
I went to the car dealer, XXXX XXXX on XXXX XXXX, XXXX and requested my refund and they refused to pay me. They claimed Chrysler Capital had my refund. When I called Chrysler they claimed somebody else had my money but the CSR I spoke to said he could not identify who that was. I am a senior citizen on a fixed income and I need my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I thought I closed a Citi Card account months ago.  Now they are telling me I owe them $XXXX and they will report me to a collection agency if I do not pay.  If that account has a $XXXX charge THEY PUT IT THERE.   I haven't used the card, I shredded it after I thought I cancelled it.    I have tried to contact them both by phone and online  and all I get is another sales pitch.   How can I get rid of them?

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 2019-12-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
REMOVE FRAUD ALERT OFF EQUIFAX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019 and 30 days late as of 2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: NJ

Complaint narrative:
On or about XX/XX/19, I had an Extended ( 7 year ) Fraud Alert placed by XXXX, this fraud alert was reported to XXXX  and Experian. On XX/XX/19, I authorized an electric company ( XXXX XXXX XXXX ) to run my credit in order obtain free financing. I was informed by XXXX XXXX XXXX they could not obtain my credit information because Experian would not release same. Experian had the following statement associated with my account : " connect check plus summary Code X Fraud Alert deny services. '' I contacted all three credit reporting agencies and inquired if there was a " security freeze '' on my account. All three denied there was a security freeze. I contacted Experian a seconds time and they could not or would not assist in removing this information from my account. I never authorized or request that a security freeze be placed on my account by any credit reporting agency.

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