vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-21 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: AZ

Complaint narrative:
The following accounts and credit inquiries are all fraudulent accounts and credit inquiries, some of the fraudulent accounts and credit inquiries are from the XX/XX/XXXX Equifax data breach : XXXX   XXXX XXXX XXXX, {$25000.00}, XXXX XXXX XXXX XXXX, {$3200.00}, XXXX XXXX XXXX XXXX, {$6100.00}, XXXX XXXX  XXXX XXXX, {$30000.00}, XXXX, XXXX, {$26000.00}, XXXX XXXX XXXX XXXX, {$8500.00}, XXXX XXXX XXXX XXXX, {$37000.00}, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , XX/XX/XXXX, XXXX XXXX XXXX XXXX , XX/XX/XXXX, XXXX XXXX XXXX XXXX , XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I own a Barclays XXXX card with XXXX rewards in 2018 I've been outside the United States and when I came back the balance on my card was very high I requested for statements and during the process of going through the statements I found a charge of {$600.00} balance transfer for XXXX XXXX  you can request and I will provide the Consumer Financial Protection Bureau that I do not have any XXXX XXXX  card so this balance transfer was obviously unauthorised I contacted Barclays Bank and they very rudely denied this offer by saying you have another balance transfer on the same date what a lie this company has been giving out it should be red flag attached is my statement and you can see that the other balance transfer was one month apart not the same day please help me get rid of this unauthorized charge which day are pretty much trying to get from me in an extortion manner

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 2019-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
I owe approximately 75k to American Education Services, I believe part of PHEAA. I've been told repeatedly that I have no repayment options left except to pay the full amount each month. I can't!!! But, I WANT TO PAY. I just need better terms. I'm an XXXX XXXX XXXX veteran, and maintaining a job is hard enough. If they will default me anyway because I can't pay what they require, why should I at all? May as well keep that money for rent, utilities, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: OH

Complaint narrative:
For the past two years I have been attempting to have my credit information corrected on XXXX, XXXX  and Experian. Ive placed fraud locks on these accounts as well due to stolen identity years ago. 

1. My name ( spelling of ) and so called aliases are not correct - false 2. Addresses to which I supposedly lived over the years are incorrect - theyre wrong and false 3. Im also listed as being in the military which is NOT true either. 

These credit agencies refuse to accept information over phone but ask that you fax important and private i.e dob, ssn and driver license. I have been compromised financially and identity theft and advised them as such. No one is willing to correct this information and get it off my records Theyve at lease five different names under my ssn - please help me correcting this.

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 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AK

Complaint narrative:
I was notified by mail that money due from the apartment I was moving out of was being sent to collections before payment was even due because the company had sold. With only a few days notice and my concerns with the charges, I feel I was not given a chance to clear the matter before they just turned my account over to National Credit Systems for collection. For this reason ( and others ), I filed a dispute with the collection company National Credit Systems within the 30 day period, that claim was denied. With a lot of fear being set on me that they were about to report to my credit if I didn't make a payment, I decided it was not worth the fight. I know I am responsible for some of the money they are trying to collect, so I came to a settlement agreement for a less amount. Now they are requesting a payment, but refuse to provide me with any documentation stating the agreed upon amount until I pay the total settlement. The only reason they can give me as to why they will not provide documentation is that " they just don't do that ''. I have made many calls to the State General Attorney, the Federal Trade Commission trying to get some clarity on the situation. And I am repeatedly told to not give them money without something in writing. I feel like this is a very reasonable request, I want to pay them and clear this up, but I also need to protect myself and I am not being allowed to do so. 

My credit is my main concern because I am needing to get car in the next few months and a negative remark on my credit will hinder that. I have expressed this to National Credit Systems and I feel they may be using that to their advantage as a scare tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: WELLS FARGO & COMPANY

Complaint narrative:
Since last month I received a notice that strange movements were being done in my account and in my daughters case she went to the bank and they told her that she received a card ( which she never got ) and spent XXXX dollars. 

We went to the wells fargo bank to fix it and set a report of the fraude and first a very rude man over the phone, and then they said they were going to report it I believe near XX/XX/XXXX, today XX/XX/XXXX we went and they said they dont have any report even when we did set a report. Still by this time no investigation has been done about who stole my money with a card that I never got and also my daughters case the same, she never got a card and the bank claims we spent that money when they still havent proved that we got that card. They dont help us and we need help.

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 2019-08-21 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: OH

Complaint narrative:
For the past two years I have been attempting to have my credit information corrected on XXXX, Transunion and XXXX. Ive placed fraud locks on these accounts as well due to stolen identity years ago. 

1. My name ( spelling of ) and so called aliases are not correct - false 2. Addresses to which I supposedly lived over the years are incorrect - theyre wrong and false 3. Im also listed as being in the military which is NOT true either. 

These credit agencies refuse to accept information over phone but ask that you fax important and private i.e dob, ssn and driver license. I have been compromised financially and identity theft and advised them as such. No one is willing to correct this information and get it off my records Theyve at lease five different names under my ssn - please help me correcting this.

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 2019-08-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
For the past two years I have been attempting to have my credit information corrected on Equifax, XXXX and XXXX. Ive placed fraud locks on these accounts as well due to stolen identity years ago. 

1. My name ( spelling of ) and so called aliases are not correct - false 2. Addresses to which I supposedly lived over the years are incorrect - theyre wrong and false 3. Im also listed as being in the military which is NOT true either.

These credit agencies refuse to accept information over phone but ask that you fax important and private i.e dob, ssn and driver license. I have been compromised financially and identity theft and advised them as such. No one is willing to correct this information and get it off my records Theyve at lease five different names under my ssn - please help me correcting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a citibank credit card with me for past 7 years, and always use auto-payment to pay balance. end of last year ( 2018 ), I didn't use the card for several months, then the Citibank removed my automatic payment without my permission. Then when i use the card again but didn't note that there is no auto-payment. It causes several moths ' late fee, Citibank also reported it to credit bureaus and cause my credit score dropped almost 200 points. 
Citibank should not remove my auto-pay setting without my permission, that's the reason causes the late fee and my credit score dropping. Citibank should correct the mistake to help me get the credit score and late fee back.

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 2019-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Hello, Today i have seen a couple of enquiries on my credit report which i am not aware. The one is from CAPITAL ONE and the other is XXXX. I didn't recognise these enquiries on my account.Because i haven't applied for any of these accounts.There is something happening.I want these enquiries to be removed from my account.Because they are not applied from me. 

The Enquiries happened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
My current mortgage servicer, Carrington Mortgage, refuses to remove the Mortgage Insurance from my FHA loan even though I have met all qualifications. Every time I call, they give me a further out date when it will be removed, when that date approaches and it is not remove I call again and they give me a new date of removal. Per my records it should have been removed XX/XX/2019. I have met all qualifications based on when my FHA loan was originated. I have sent written requests with no response and made numerous calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I had a signature loan for about three years with Navy Federal. I have never gone 30 days past due on my payment. I called Navy Federal on XX/XX/XXXX after discovering they took social security ( protected funds ) from my account to pay towards my loan which was a few days past due. I have spoken to them about this on numerous occasions and they tried to say that because I moved the funds from the savings into the checking that it was no longer protected, which is absolutely incorrect! My loan was due according to my XX/XX/XXXX statement for XXXX. I called and set up two payments one for XXXX to be processed on XX/XX/XXXX and another payment of XXXX to be processed on XX/XX/XXXX to satisfy the remaining balance on my loan. I called their collections department and got the XXXX amount from the representative. Last week on XX/XX/XXXX I checked my online banking app to make sure there was nothing owed on the loan, and it read XXXX $ balance, and I was not past due. Today when I opened the app it said I was XXXX days past due for a XXXX late fee that posted on XX/XX/XXXX. I was not notified of this and was utterly confused as to how I can go from owing nothing and not being past due to a week later I am now XXXX days past due. When I called Navy I spoke to collections twice, I spoke to lending and a lending manager and member services. Everyone acted as if I was in the wrong and it was my fault for not realizing I was going to get hit with a late fee a month later even though I paid off the loan and I was given no reaction time since when the fee posted I was instantly put at 30 days past due. I am beyond furious at Navy stealing my social security funds and then trying to justify it AND me satisfying my loan balance and the amount put on my statement, and still being reported for credit. The lending manager said she would pull the call and if SHE feels I was given the incorrect amount, said they MAY see about getting this removed. Navy Federal is still up to their deceptive ways and I am going to be pursuing legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been making payments towards my private student loans from Navient for years. I pay everyone sometimes even twice a month, and they still make inquiries on my account saying it's delinquent and it is not. This is keeping me from buying a home for me and my kids. 

I have pictures of my student loan account to prove I pay what I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
This is new account, purchased a lawn mower and after a month we still had not received anything from the finance company so we called the place we bought the mower from and they connected us with them, at that time the first payment was already late but we paid almost double and the late fee was waived. 
We still have not received anything from them. 
There is no way to contact anyone and emails are ignored. 
I set up my bank account and is was verified, I set up automatic payments and all seemed well, until the next scheduled payment, they didn't take the payment and charged me a late fee. 
I tried several times to get things verified but there is no way to talk with anyone. 
I still have no idea if it set up right and may incur another late fee. 
I don't believe it's my fault, the website is confusing and with no way to talk to anyone or have an email answered it seems like a scam. 
They do it this way to collect late fees. 
It's ridiculous. 
I only want to verify that things are set up right and refund the late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
On XX/XX/2019 I saw a deal for a XXXX XXXX bundle for {$320.00} and made a purchase of for a total of {$330.00} from XXXX. I was prompted to us XXXX XXXX transfer for my purchase which I ended doing because it was a company affiliated with my Bank, US Bank, and a large number of other notable banks which made me think this process wasn't risky like giving your credit card out online for example. Right after I realized I had been scammed, I initially tried to request the money back through XXXX which ended with the seller declining my request a few days later after they had deleted the site. Also a day or so after I made the request, I called XXXX to see what they could do, but I only got a recorded response to go seek out my Bank which I ended up doing. I contacted my US Bank to see what they can do to help me, and was told to file a fraud dispute in which I explained what had happened and stressed the fact that I had been scammed and actions needed to be taken quickly before what I feared would happen would happen. I did not get a response back from US Bank until it was too late and over a week later the site had closed and disappeared from existence. I later got a letter with a line that read : My dispute has been dropped due to the seller receiving payment., which I read as saying my dispute has been dropped because the scammer collected the money. I tried calling US Bank for clarity and was told that the fraud dispute was declined because XXXX declined the request to get the money back. I was also told that this type of occurrence/scam is very common, and they hear a multitude of complaints regarding this problem and that there is nothing I can do to get my money back. Why is this a problem US Bank and XXXX has? If this is a common occurrence, and many people are troubled by it, why isn't anything being done to prevent it. By not fixing the problem, the two companies are essentially leaving the door open for scammers to utilize this method. If its broken fix it which is something not being done since all they have in place is a are you sure you want to make this transfer pop up. When you type in XXXX scam or XXXX fraud into the XXXX search engine you will find several articles about XXXX scams and nowhere will you find info from XXXX regarding scams and fraud, something that should be there base on the type of business being conducted. Why is XXXX not approaching the topic of scams and fraud when it is their company that is being exploited.

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 2019-08-21 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
I was made aware of 8 fraudulent student loan accounts on my credit report on XX/XX/2019 by a company called Navient. I called the company right away and made them aware of the fraud and they refused to listen to me or do anything about it. I asked them to send me proof that it was my debt and they would not. Instead they informed me that they turned the accounts over to a third party collection agency and that they would not discuss them with me and that I needed to call them. I immediately called this third party agency and told them that this debt was not mine and they continuously told me that it was. I began to even break out in tears and demanded how unfair this was and to take the items off of my report immediately. I asked them to send me proof that it was my debt and they said it would take 5-7 business days to get the documents to me via e-mail. After a week I called them back and this time I asked for the manager and him how concerned, upset, and unfair I felt about this debt being on my credit and them still not giving me any type of proof of it or having any urgency to do so. He assured me that he could expedite the process and that he could get me something in three days. After three days nothing came. I continued to call this company day in and day out and almost daily from XX/XX/XXXX to this current day asking them to give me proof of this debt and they still continue to give me the same line about how they are waiting to get the documents from Navient well into over two months now. There is one same lady that I have spoken with at least a dozen times in this time period that I have been calling them over and over and her name is XXXX XXXX and her number at the company is XXXX. She has nothing to say to me other than that she is waiting to get the documents and sorry to me each time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I have reached out several times to GM financial and they said that they would correct any error on my report caused bl there company. Till this day they have not corrected any information on my credit report. I will be filing a lawsuit in my county for them reporting false information on my report. This has caused me financial difficulty and has cost me time and money to dispute this error. Please remove this inquiry within 10 days of this notice. i also have enclosed one of the three letters i received saying that they would remove this inquiry. GM financial should contact XXXX and XXXX to remove inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I recently received a debt collection notification in the mail for medial services that were NOT rendered to me. 

I've requested an itemized invoice and ALL records be sent to me so that I may examine and properly dispute. CAPIO PARTNERS & XXXX  XXXX XXXX XXXX HAVE REFUSED TO RELEASE THE INFORMATION. CAPIO WAS MORE INTERESTED IN FINDING OUT IF I WAS A US CITIZEN. 

Ive been a victim of identity theft about 7 years ago and I was able to remove XXXX XXXX credit card debt, XXXX debt and I was able to clear with the Social Services the children receiving Medicaid were NOT my children and I HAVE NO IDEA WHO THEY ARE. Clearly this debt must be something lingering from that episode. 

I have not lived in the XXXX area in over 15 years, Ive been living abroad for at least 10 years where I have insurance, I only have a PO Box for mail when I visit and I have NEVER been insured by XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief