vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-20 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: CA

Complaint narrative:
XXXX XXXX XXXX  ( The original creditor was XXXXXXXX XXXX XXXX ) This is fraudulent. I'm not sure who opened this account. This wasn't me and XXXX XXXX XXXX keeps putting this on my credit reports. THIS IS FRAUDULENT ... .Someone used my information to open an account. My purse was stolen doing this time with my social security and ID. 

I have asked XXXX  to remove this item.

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 2019-12-20 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: CA

Complaint narrative:
XXXX/XXXX  is on my credit report.Someone tried to inquire credit. This is fraudulent. I have provided a police report and it still have hasn't been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
My complaint is about a student loan servicer, Navient, that has attempted to steal, cheat, lie and admit to their wrongdoing, but will not offer to fix their mistakes. 
Navient has violated several State consumer protection laws and several Federal laws. 
The only relief I am expecting Navient to provide is to reverse the charge off since they admitted to that mistake ( with no cost to me ), make corrections to the credit bureau ( mine and my my cosigner ), place my account back in good standing with $ 300-350 monthly payments. 
Below is a brief timeline of the important events. I currently have all records and documentation to prove all events. ( not every event is listed here, I will attach a full timeline event ) 1. They illegally tried to debit more money out of my checking account 2 months earlier than what their emails said ( I currently have those emails ) 2. After several attempts of trying to reinstate my original payment amount ( I currently have that documentation ), no one at Navient reinstated my request. 
3. I was told the exact date when my loans would Default ( I currently have those records and Navient admitted to their mistake ) 4. Navient charged off my private student loans 30 days sooner than they were supposed to ( I currently have those records ) 5. After Navient admitted to their mistake, they would only reverse the charge off if I payed {$580.00} ( I currently have those records ) 6. When I told them I just started working while being unemployed for 4 months, I couldn't afford the {$580.00}. And that I could pay $ 50-75 that day and {$300.00} monthly payments, they said no, I would have to pay the {$580.00} that day. ( I currently have those records ) 7. When I offered to pay {$50.00} that day, they told me they couldn't accept my payment ( I currently have those records ) 8. When I mailed a {$300.00} check to Navient in XX/XX/XXXX, they returned it stating that it was an " invalid bank account number '' ( I currently have those records ), my bank account number has been the same for 24 years 9. When I contacted my bank, they verified for me that no one had attempted to cash the {$300.00} check ( I currently have those records ) 10. When I mailed a replacement check for {$300.00}, that check has never been cashed nor returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Earlier this month, I placed order XXXX at Amazon.com. 

When placing the order, Amazon offered me a {$60.00} credit if I applied for the Amazon store card. The Amazon system told me that I was denied, and that there would be no credit. Today I received an email saying my new Amazon store card is on its way. Confused about how this could be, I called Synchrony. Synchrony confirmed the new card, but knows nothing about a {$60.00} bonus. Synchrony told me to contact Amazon. I contact Amazon customer support, and am told they know nothing about it - to wait 30 days to see what happens. What? Obviously, Amazon has no idea what is going on, so I quickly called Synchrony back to cancel the card. Amazon offered me the bonus to apply, told me I was denied, but then Synchrony issued me a card in my name. No one knows about any bonus. I had to call Synchrony right away to cancel the account. Obviously, there is some type of scam going on where Amazon is enticing customers to apply for credit cards via offering a bonus, then Amazon denies the card, and then passes the customer 's information on to Synchrony in order to open an account in the customer 's name.

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 2019-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
Stop check. 
I put the check written in my name into my bank on checking account. This check was written out personally in my award to those whose name is also indicated on the check and implies the owner of the account. The check was written out as a payment for the service and the material I had previously bought in the store for him. I made a deposit right away using the mobile application of my bank, as the bank was already closed at XXXX XXXX. The next day, after lunch, I went to my bank and asked why the money had not yet been transferred and I can see that transaction still pending. I was told that this happens and everything is fine. I showed the check, which I put, but the bank employee said that he was not needed. The next day, the entire amount was credited and added to the funds already in my account as transaction completed. After 5 days, I went to check the bank account and saw a loss of funds. The bank told me that I should solve this with the one who wrote me the check. The bank, in turn, took a fee from me. I stated that this was a fraud and asked : Why didnt anyone notify me of this in any way? What should I do? The bank said that I should look for and deal with the one who gave me the check. The manager said that this can be done for 3 years - to withdraw funds from previously issued checks. There was no answer to the first question. I went to another branch of the bank, where there was no answer to the first question, and they said to the second question that if you go up this street, there will be a court somewhere that will help you. I walked the whole street, but found nothing there. It is not possible to contact the person who wrote the check, and I guess that it was after he received the money from my account. I reported the crime to another bank, whose details were on the check, where they made it clear to me that they respect the interests of their customers. A couple of days later I received a letter in the mail, where I was notified of the charge-off. I wrote a letter to the main office of my bank and this turned into a correspondence. The fourth letter with my questions is ignored. They tell me events, trying in every possible way to ennoble their bank and now indicate that they notified me by mail. The bank returned the commission only.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: AK

Complaint narrative:
Hunter Warfield attacked my credit score without sending me any notices in the mail or leaving any message on my phone about a debit being owed. The apartment complex where the debit originated from never billed me for the amount being owed and I promptly payed after receiving my final move out settlement.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Business Bureau
State: IL

Complaint narrative:
I recently sent Medical Business Bureaus a request for validation not verification a debt placed on my credit file with a cost break down of the debt said owed referencing account XXXX on XX/XX/2019 with signed Hippa Release in my handwriting authorizing Medical Business Bureaus to access or retrieve my medical files and or procedure which is totally private. They responded with no validation of debt but my full medical procedure and records photo copied again without a Hippa Release form with my signature which is a violation of my Hippa Rights. I am proceeding with legal action as prescribed by law against Medical Business Bureaus for having my medical records in their presence without a noted Hippa Release form. Failure to manage risks to the confidentiality, integrity, and availability of PHI is what XXXX XXXX has violated and created.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
TransUnion recently added a name to the credit report created by them that is not a legal name for me. 

By court order with the Circuit Court, 2nd Division in XXXX County, Arkansas, Judge XXXX XXXX approved an order for a name change with his signature and handwritten date of when the order would go into effect on XX/XX/XXXX. As of XX/XX/XXXX, the name XXXX could no longer be used for any purpose. The order applies to every person, business or government agency. 

Attached to this complaint is a copy of that court order.

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 2019-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PREFERRED CREDIT INC
State: CA

Complaint narrative:
SOMEONE STOLE MY INFORMATION AND OPEN AN ACCOUNT WITH PREFERRED CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Since XX/XX/XXXX, Experian Creditworks has been attempting charging my XXXX card {$100.00}. South Carolinians are entitled to free Experian monitoring due to the state security breach. 

Yet, Experian has repeatedly attempted to charge my XXXX card for services. I have been unsuccessful reaching Experian to stop charging my account. I am prevented from logging into Experian to delete my XXXX card ( see attached ). Also, reaching Experian by phone is impossible. The phone number on the website is automated and will not cancel the payment.

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 2019-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
SOMEONE STOLE MY INFORMATION AND OPEN AN ACCOUNT WITH XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My purse was stolen with my social security and Id. Someone used my information to open an account. This is a fraud and I didn't authorize it. Someone open up a SYNCB/AMAZON account in my name. it's showing on my XXXX 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 2019-12-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Agreement signed on XX/XX/XXXX at Bank of America located at XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX tel number XXXX XXXX , XXXX XXXX is the person who I originally met and handled the paperwork and agreement. The agreement was that Bank of America would consolidate and pay three vendors outstanding balances. One of the vendors XXXX XXXX was sent a check dated XX/XX/XXXX written to XXXX XXXX XXXX XXXX.The check is check # XXXX in the amount XXXX on my behalf to pay off aXXXX XXXX credit card. XXXX XXXX uses XXXX as their bank. In a letter dated to me on XX/XX/XXXX from XXXX XXXX informed that they placed the check from Bank of America in a holding account because they were unable to identify the account number. indicated on the check that Bank of America sent. I spoke with Mr XXXX who is a Conumer Market Lender for XXXX XXXX County for Bank of America at XXXX today, last week and the previous regarding requesting multiple times for this issue to be resolved and for my account at Bank of America to be credited {$6700.00} since the check has not been received by XXXX XXXX.I have contacted by phone Bank of America at their 800 number XXXX on the following dates XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX a credit card promotional analyst on XX/XX/XXXX at Bank of America. I spoke and lodged a complaint with the branch manager XXXX XXXX. All of the above have told me they are " working really hard on resolving this '' over and over with no specifics and no timeline.and no resolution and I am still having to pay both Bank of America and XXXX XXXX even though I am verbally told by Bank of America that while they try to resolve this I will not be responsible for the debt.. According to Bank of America XXXX even with proof of the check being deposited is not co operating with Bank of America to transfer the funds into the correct 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 monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: NV

Complaint narrative:
Us bank credit cards charge a late fee when you make a payment after XXXX. I live in the pacific time and it is not fair for them to charge a late fee to people living in the pacific time. we should at least be granted more time as it if were until XXXX instead of eastern time. It is not fair and government should do something about this time malpractice. Why hasnt anyone looked into this problem.

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 2019-12-20 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: CA

Complaint narrative:
XXXX is showing on my credit report. I provided a police report. This is fraudulent and wasn't authorize by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: PREFERRED CREDIT INC
State: CA

Complaint narrative:
I provided police reports. Someone open an account with Preferred Credit. I didn't authorize this account. This is fraudulent and needs to be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: CA

Complaint narrative:
I provided police reports. Someone open an account with XXXX XXXX. I didn't authorize this account. This is fraudulent and needs to be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Received advert with Reservation Number : XXXX and Access Code : XXXX for credit card. Nowhere on advert does it say a hard inquiry will be made and nowhere on website portal.

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 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
CAPITAL ONE BREACH MY CREDIT AND PERSONAL INFO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: GA

Complaint narrative:
I was XXXX in XX/XX/2017 by XXXX county sheriff 's department in Georgia when I was they're under the care of XXXX county they had to transport me to XXXX XXXX  for further evaluation for medical issues. I remained in XXXX  until XX/XX/2017 therefore I am not responsible for these medical bills occurred during these times therefore they should have been billed to XXXX county sheriff 's department and not me personally I'm the only one out of other six XXXX that were taken that got bills personally the other ones were billed to the county and I am not financially responsible for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: NC

Complaint narrative:
In XX/XX/XXXX, I realized that my money was disappearing from my checking account I had with BBT in XXXX, NC. I went to the bank an discussed it with XXXX XXXX and she claimed that it wasn't the case. The second time I went again she claimed that she knew nothing about it. Then she asked for my social security number and claimed she mixed it up with another customer with a similar social security number and nothing was done. After all was said and done over {$20000.00} has been taken out of my account and little by little, she claimed they was putting it back after the claims had been sent to whomever took care of them. Now, on XX/XX/XXXX, she said they closed the account after months ago she said the account needed to stay open to receive the payback money that was suppose to be put back into my account. Only {$180.00} has been put back into my account and no one from BBT has tried to help me get my money back or even look into the matter. I believe that someone in that bank has taken my money.

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 2019-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
My mother made a deposit in the month of XX/XX/2019, bound for XXXX and I was the recipient. The value was XXXX COP, I could not make the trip to XXXX so he went to request the disbursement of the money which the answer was that this was withdrawn in XXXX, when I never traveled. I have been trying for months to return the money but the company affirms that the process was indicated and it is easy to validate that I never traveled to XXXX and therefore there is no way in which the disbursement of the draft could be made. I want and demand that Moneygram give me my money back, I have tried in many ways but it has not been possible.

Company response to consumer: Closed with explanation