vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-27 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
Account number XXXX XXXX XXXX Its mine. My forgiveness loan is with another company. XXXX XXXX XXXX not XXXX. 

Navient account XXXX shouldnt be in my report anymore. XXXX XXXX XXXX is my provider for my loan forgiveness XXXX account XXXX thats not my account a shouldnt be in my credit report XXXX XXXX account XXXX. I reported the card loss to XXXX XXXX in 2013 along with everything in my wallet. Ive been calling them to make some types of arrangements no response. Please advise!!! 

I need help with this matter. I am a XXXX XXXX XXXX with XXXX kids. Just wants to fix this matter as quick as possible to move forward. 

Best XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Account number XXXX XXXX XXXX Its mine. My forgiveness loan is with another company. XXXX XXXX XXXX not XXXX. 

XXXX account XXXX shouldnt be in my report anymore. XXXX XXXX XXXX is my provider for my loan forgiveness Sears/cbna account XXXX thats not my account a shouldnt be in my credit report Home Depot/cbna account XXXX. I reported the card loss to Home Depot in 2013 along with everything in my wallet. Ive been calling them to make some types of arrangements no response. Please advise!!! 

I need help with this matter. I am a XXXX XXXX XXXX with XXXX kids. Just wants to fix this matter as quick as possible to move forward. 

Best 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 non-monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
Hi, so this is a complaint that I have with this loan. I don't feel 100 percent responsible due to the people and agreement i agreed to. I turned in a very nice great running XXXX SUV, for what i feel was a complete lemon car.

I had the car for 1 week and it broke down. I told the guy at the dealership off XXXX XXXX that if the car was no good Dont sell it to me because i will not pay for it, i understand this isn't The right way to go about things but my word is all i have. I don't feel responsible for paying on a car that only worked for a week, and then got sold for nothing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 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 is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX  XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$8500.00} XXXX   XXXX  XX/XX/XXXX {$6300.00}

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 2018-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Flagstar Bank, National Association
State: OH

Complaint narrative:
I closed my account with XXXX XXXX ( New York Community Bank ) because they charged excessive multiple NSF overdraft and other fees. They claim I still owe them but I closed the account after XXXX out the balance. They continually are harassing me over XXXX that they claim I owe. They are even reaching out to family members who have nothing to do with this. Please stop their unending harassment by XXXX XXXX ( sp? ) who is calling from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL

Complaint narrative:
I would like to file a complaint against Wal-Mart credit card, I have had their card for the past 4 years and they recently reduced my credit to {$180.00}, when i called their company they told me that it was because they re-ran my credit and that is what I was re-evaluated. The lady couldn't give me an explanation and kept referring to a letter that she would mail. Even though I have been paying my credit card every month including their incredibly high late fees and had established credit with them they still didn't budge. I told them that what they did was redundant since I had stopped using my card to increase my credit-income ratio to have a positive impact on my credit but now it shows that I'm still using 98 % of my available balance which of course will decrease my credit score.  The lady was just silent and was not helpful at all. I feel that this systematic decrease of credit and it having a negative impact on my credit score was done  deliberately so they can then claim that my credit score was why they  decreased my credit limit, regardless of the history I've had with 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 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have never giving my legal consent to have CBNA Bank Credit cards to run my credit and cause an inquiry Dated XX/XX/2018 their for causing a negative impact to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
The balance in my XXXX  account is XXXX, there is a pending authorization on hold from XXXX for XXXX, which was canceled and will fall off, a total of XXXX. I've attempted to add a bank account to withdraw funds, the app will not allow me to add an account, numerous calls were made to XXXX  support, reps do not know why account will not allow it. I've requested account closed prior and again here, I also need a check sent to me for remaining funds, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
CBA claimed I owed them {$180.00} reported to my Credit file, no notice was sent to me regarding this debt. I found out when I checked my credit file and immediately sent them a certified letter on XX/XX/2018 requesting for information, my letter was delivered on XX/XX/2018 at XXXX XXXX, CBA re-reported the debt to my credit file on XX/XX/2018, however they have refused to communicate with me nor send me any bill or information regarding this debt. I called them several today XX/XX/2018 my calls forwarded to voicemail every time. 

I do not owe any money. 

A copy of my dispute to CBA is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF THE WEST
State: MI

Complaint narrative:
My name is XXXX XXXX and I would like to report an online scam involving the scammer 's account with the Bank of the west I had posted an advertisement on my college XXXX page '' University XXXX XXXX  XXXX XXXX '' that I was looking for a room mate for my apartment and I was scammed by a person who said that they would like to send me a deposit. Instead of depositing the XXXX dollars that was agreed upon, the person would send me XXXX dollars by mistake and ask to send it back. 

When none of it is true it is a common Scam that they target XXXX students, Day 1 : The scammer by the name XXXX ( Phone number XXXX ) offers to send you money of XXXX dollars, They insisted on XXXX XXXX  XXXX as they are unable to send from Bank of the West , I give my friend 's XXXX XXXX   XXXX account number to receive the money, in this case my friend Mr XXXX XXXX XXXX account was given to receive money as I only have a XXXX bank account. 

The scammer deposits XXXX dollars instead of XXXX and calls me to ask me to send it back, now the scammer mentions that her brother Mr.XXXX has a XXXX account and I can also send it to them through the app called " XXXX '' by the email XXXX. I go ahead and send the money from my XXXX account to the scammers account through XXXX. Meanwhile my friend confirms that the money is received in his account and I send it. 

What has happened in the background is that the scammer has called XXXX XXXX XXXX and lied as if it was my friend mr XXXX and that someone is trying to deposit money into his account and to stop it. The bank sends a code to my friends account number and we think that it is a confirmation number for the bank to authorize the money to be received. 

This is where the XXXX  XXXX XXXX 's loophole made things worse. The actual money is stopped by the scammer before it gets to my friend 's account, but the bank releases a temporary credit and the money shows in his account as received. 

Day 2 : We do not suspect anything, but the scammer continues to call us saying that the money was accidentally deposited twice and requested we should send it back. 

I do send the money XXXX dollars again from my XXXX XXXX when my friend saw the increased balance in his account due to XXXX XXXX XXXX 's temporary credit deposited again. 

The scammer stops responding now and has received two XXXX dollars and we know that the scammer has the account 's phone number tied to the Bank of the West and XXXX XXXX. 

I have complained to the police : case number XXXX ( XXXX XXXX police, XXXX XXXX, Michigan ) My friend 's account now stands closed as the scammer might have access. 


I complained to my XXXX XXXX, XXXX customer care and received no support. 

Phone numbers used by the scammer : XXXX, XXXX emails : XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Around XX/XX/2018, I applied for a XXXX XXXX XXXX Credit card at the XXXX XXXX XXXX 's location. The card was approved. 

About a week later I received a letter from XXXX 's communicating congratulations for opening a XXXX XXXX XXXX XXXX. ( See attached letter ). 

However, I was stunned to learn that XXXX 's also applied for me to get a XXXX XXXX XXXX XXXX XXXX without my approval. 

This practice should not be permitted and I believe it's is not legal. As a result, my credit is damaged for being declined for a credit card I did not apply for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My husband and I are trying to get a home loan, and the lender is not able to pull my Equifax credit report. I have spoken to two different Equifax representatives, and they are telling me that they can't find me in their system ( don't know how that is possible ). To my knowledge, I do not have a credit lock or freeze on my account, but if I did, I would think that Equifax would be able to tell me that. However, they have not given me any such information, and I do not know how else to get the problem resolved so that my lender can pull my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. please delete remove any other address they are not mine : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX, from Wells Fargo Bank, called me at XXXX XXXX today to talk to me about my complaint number XXXX to the Consumer Financial Protection Bureau. She told me Wells Fargo Bank does not know how or why I received the letter dated XX/XX/2018 that stated my mortgage had been transferred to XXXX XXXX XXXX XXXX XXXX XXXX effective XX/XX/2018. 

She told me my mortgage would be transferred on XX/XX/2018 and any payment made after that would need to be made to XXXX XXXX XXXX XXXX. 

I attempted to tell her Wells Fargo Bank is trying to undo what's been done and to keep my mortgage transfer with payments confused ; that I needed to receive this in writing. I tried to tell her I should have been notified 15 days prior to the mortgage transfer. However, she kept talking over me and would not listen to what I was saying. Finally I told her " call me back when you are ready to listen to me '' and hung up on her.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: Credit Plus Inc
State: CA

Complaint narrative:
I have never gave legal consent to Credit Plus to run my credit and their for causing an inquiry and a negative impact on my credit report and my fico score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I did all this before by a nice conversation with someone regretfully i did not write down their name. 
Back in XX/XX/XXXX i started working with XXXX XXXX at Wells Fargo trying to get my payment lower as my savings in the bank with nothing left but monthly social security check. It was impossible to pay {$1200.00} a month with social check of {$1400.00}. 
So i was told not to worry she would send me forms and tell me documents to send. 
I did all that. She sent me an email XX/XX/XXXX that everything looked good, She is send it up to adjusters to get a mortgage payment of {$500.00} to {$900.00} and then i will start paying again. 
They sent be a Forclosure earlier this year and i got XXXX to represent me, There payment was to take {$750.00} every 3 months to get my payments down, Then they put my house on auction for XX/XX/XXXX. I Have Begged them to let me start paying every month but will not let me do anything. 

I was told get a trailer for $ XXXX.to {$350.00} a month 1-2 bedrooms. 
I NEED immediate help i am having XXXX XXXX and i do not know if i can live through another XXXX XXXX, Any suggestions. phone 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 2018-11-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted a written request to have incorrect items on my credit report be investigated. By law, I am supposed to have a response within 30 days. Obviously, more than 30 days have passed, but I have yet to receive my credit investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
During the period of XX/XX/XXXX-XX/XX/XXXX, my checking/saving/select credit Accounts in HSBC were used for the following unauthorized transactions : {$4900.00} ( XX/XX/XXXX - wire transfer from checking ) {$4000.00} ( XX/XX/XXXX - wire transfer from checking, already credited back on XXXX ) {$5000.00} ( XX/XX/XXXX - wire transfer from saving ) {$8600.00} ( XX/XX/XXXX - wire transfer from saving, already credited back on XXXX ) {$2400.00} ( XXXX - electronic transfer from checking ) {$2400.00} ( XXXX - electronic transfer from checking ) The hacker also transferred {$4500.00} from the select credit account to my checking on XX/XX/XXXX in order to facilitate some of these unauthorized transactions. 

Origin : The E-fraud prevention team from HSBC bank called me on XX/XX/XXXX and wanted me to confirm some recent online activities on my accounts. I missed their phone call initially so I tried to call back that afternoon but the wait time is too long. I finally managed to call them back next morning on XXXX. The representative informed me my accounts was compromised. He went through the unauthorized transactions with me and said only the transaction of {$4000.00} can be recalled immediately and for the rest they will investigate and get back to me in a few days. 

Couple days later I am able to see one transaction ( {$8600.00} ) credited back to my account. I called them for a status on the remaining transactions and they are still working on that. That representative said it would take a maximum of 10 days to get me a final response otherwise will credit full amount back to my accounts. 

On XXXX, I sent a formal letter to HSBC headquarter in XXXX XXXX XXXXXXXX to notify them that I am a victim of identity theft and never authorize anyone else to use my accounts in any way. This is to protect me in case the bank said I never contact them in written statement about the matter. 

Afterward I called them a couple of times on XXXX, XX/XX/XXXX and XX/XX/XXXX to get a status for the remaining transactions, and every time I was told I need to wait few more days to finish their investigation. The last time we spoke on XX/XX/XXXX, they said they need 8-10 more business days to investigate!

Note : Attached is the formal letter I sent to HSBC headquarter using certified mail. The reference number of the case they opened for investigation is : XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
On XX/XX/2018 I filed a dispute with mainly XXXX  and XXXX XXXX disputing the student loan listed on my credit report. Originally, it was listed as Sallie Mae, then Sallie Mae was changed to Navient. Navient can not prove that I owe this money and I never took out a student loan with Navient. I therefore requested it be removed from my credit report. If they had been able to prove it, they would have taken me to court, which they havent. They have listed these loans as in default and are negatively affecting my credit rating. Im asking that mainly XXXX be investigated for fraudulently listing this on my credit report despite it all being heresay. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted a written request to have incorrect items on my credit report be investigated. By law, I am supposed to have a response within 30 days. Obviously, more than 30 days have passed, but I have yet to receive my credit investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted a written request to have incorrect items on my credit report be investigated. By law, I am supposed to have a response within 30 days. Obviously, more than 30 days have passed, but I have yet to receive my credit investigation results.

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