vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been in USA two times as XXXX XXXX  ( XXXX XXXX and XXXX XXXX   ). My first trip was from XX/XX/XXXX till XX/XX/XXXX. During the first trip, I opened XXXX  XXXX XXXX checking account and close it right before I left a country in XXXX XXXX.The second trip was from XX/XX/XXXX till XX/XX/XXXX. During the second trip I opened a Wells Fargo checking account and close it right before I left a country at XXXX XXXX.From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA at XX/XX/XXXX I went to Wells Fargo bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureaus. I was shocked because I haver never apply for any credit lines/loans/credit cards in Unites States till XX/XX/XXXX. After a few months I found out information about credit reports/score/credit history. I login to XXXX/XXXX/XXXX  and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt had a visa to USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about USA. So, this complain is about WFFNATBANK account which was open ( according to credit report ) XX/XX/XXXX with a credit limit XXXX $ and current balance XXXX $ .I have never apply for WFFNATBAN credit card/never received. credit cards. I physically lived in XXXXit 's no way for me to used this card

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 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
As I was reviewing my credit report, I noticed that I have a collections that is not mine and it is affecting my credit score. I never got a mail, notifications or warning that this will be reported in my credit report. I already sent a dispute letter to the collection company and credit beauros.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Cavalry SPV hired XXXX XXXX XXXX XXXX to collect my deb, XXXX hired a person who under sworn he delivered the court order to my address and give it to my relative. That person does not exist, then XXXX XXXX XXXX XXXX the attorney on this case filed to have default judgment against me. 
They fabricated the notice, I never received a notice to go on court neither my family did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I received a letter from Citibank today seeking to verify " suspicious activity '' on my account. Unfortunately with all the data I've sent them they're unable to verify my identity! 

I gave them my phone number - the only one I've had since long before opening the account. They couldn't use that. They couldn't use my previous ( closed ) account number. Even though they have my SSN, they didn't even ask to verify that. 

I was being asked for other phone numbers, whether I was at work or not ( as if that's even relevant ), if I had any other active Citi accounts ( I don't and I'm seriously considering closing this one as well ). The phone number I called from is the one I used when I signed up for the account ; they can't figure out I'm calling from that number like every other credit card company? 

I was asked for a verification code from the letter ; the problem is there's no verification code on the letter. Their only way to verify me was to send me a paper form. Seriously? 

How can a company be so inept as to not be able to verify the identity of a customer holding not one but TWO physical cards? I wound up hanging up questioning whether I was even speaking to a Citibank customer service agent!

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 2019-04-23 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: PA

Complaint narrative:
Fraudulent accounts XXXX XXXX XX/XX/XXXX18 XXXX XX/XX/XXXX18

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 2019-04-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: IN

Complaint narrative:
My complaint is with the American Education Services.I received letters from them saying I'm delinquent on my account. I have explained to them that the checks are sent on time a month earlier. For example, my payment is due by the first of the month. I send a check on the 12 or 15 to pay for the next month with the account number and the month the payment is made. Yet even though my payment is early they are saying it is late because they received it on the 15th. They told me the only way I could get this stopped is to set up automatic payment from my checking account. When I asked to know the lender they told me it was the XXXX XXXX XXXX, however on my Statement it says XXXX XXXX. When I asked to speak with the lender directly they told me that I could not do that and that they handle everything I need to know. They would not give me any information about my loan. When I asked for a phone number to speak to someone else they said there was no other number. They are charging me extra money on this loan that I can not afford and should not have to pay since I have all the check stubs supporting that I am make the payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fraudulent credit inquiries on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation
State: GA

Complaint narrative:
My name is XXXX XXXX. I had my IRS Tax Return direct deposited on a prepaid card who is insured through the FDIC and issued through The XXXX XXXX  called Card.com last year in XX/XX/XXXX. I lost my card and was never able to obtain another one or ever use any of my money. In XX/XX/XXXX after sending them all the proper identification documents, the company locked my account and did not return me my money instead requesting a letter of identification from the IRS in order to return my money back to the IRS. I've spoken with the IRS /US Department of Treasury and they do not send those letters out to anyone and told me that whatever bank I used is a scam and advised me to hire an attorney. Well its been almost a year and I gave up on getting my {$6000.00} back because i dont have the money to hire an attorney but thought this bank is insured by the FDIC and is never going to give me my money so I'm trying to tell anyone I can about this company and try to get any kind of help or advise on this. My name is XXXX XXXX birth date XX/XX/XXXX and my telephone number is XXXX. You can email me back on this email as well. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On Tuesday, XX/XX/XXXX Capital One contacted me to report that a fraudulent charge was put onto my account. They said they would send a new card to my address ; however, they sent the new card to an address in XXXX. I live in XXXX. The person who received the new credit card immediately used it to make about {$9000.00} in purchases at a XXXX in XXXX, XXXX. We reported this situation immediately on Saturday, XX/XX/XXXX. At that time, the representative said we would be sent a new card and that the fraudulent charges were pending and would probably not be processed. However, they were processed. It's Tuesday, XX/XX/XXXX. We have not received our new card and the fraudulent charges are still on our account. A representative I spoke with at the company said it could take between two to three days to clear this up, but it could also take anywhere between 30 to 90 days to clear up. This is not acceptable. We need our credit card -- just as most people do -- to make daily purchases. 

Capital One is entirely at fault in this matter. Whatever verification process they use failed. I've had this account for over 20 years, yet they sent a credit card to the wrong address. Once the card was received, it was used immediately. Not only does this feel like a mistake, it's beginning to feel like a crime was committed by employees at the company. My wife and I have experienced extreme stress due to this situation. Whatever you can do to hep us would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX was included in my bankruptcy, XXXX # XXXX. They are continuing to update on my credit file and that is in clear violation of the bankruptcy law act. They can not continue to report after a bankruptcy discharge and they need to fix it and remove it.

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 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX was included in my bankruptcy, Docket # XXXX. They are continuing to update on my credit file and that is in clear violation of the bankruptcy law act. They can not continue to report after a bankruptcy discharge and they need to fix it and remove it.

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 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX was included in my bankruptcy, Docket # XXXX. They are continuing to update on my credit file and that is in clear violation of the bankruptcy law act. They can not continue to report after a bankruptcy discharge and they need to fix it and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On Monday XX/XX/XXXX I received a late notice from Synchrony Bank. The amount owed as {$140.00} to bring my account current. I processed/authorized the payment of {$140.00} and they deducted {$1600.00} from my account. When I contacted the bank they were unwilling to resolve this issues. 

In addition, I have received all notices from every other CC company. I did not receive statement from Synchrony. This has happened several times before and it appears to be a revenue generating scam. I've filed a complaint about this before. 

This bank is operating in the shadows and needs to be investigated for it's banking practices.

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 2019-04-23 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: PA

Complaint narrative:
Fraudulent account with XXXX XXXX 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 2019-04-23 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: TX

Complaint narrative:
Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Balance : {$57000.00} This debt she be removed from my credit report completely. The original furnisher/lender of this debt does not own the vehicle and is no longer the lien holder. I provided proof of this to all 3 credit bureaus Transunion, XXXX and XXXX. I received an alert from XXXX that it was closed but when I check it remains open. I asked the 3 credit bureaus how can they verify the debt to be accurate without showing proof and I was advised that they as in the furnisher/lender did not need to show proof. How could this possibly be acceptable when I showed proof that they are not the lien holder but they are reporting late payments. I can not have a late payment for a debt that is no longer furnished by the original lender and I did not refinance the loan. I need my credit report updated.

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 2019-04-23 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: TX

Complaint narrative:
Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Balance : {$57000.00} This debt she be removed from my credit report completely. The original furnisher/lender of this debt does not own the vehicle and is no longer the lien holder. I provided proof of this to all 3 credit bureaus XXXX, XXXX and Experian. I received an alert from XXXX that it was closed but when I check it remains open. I asked the 3 credit bureaus how can they verify the debt to be accurate without showing proof and I was advised that they as in the furnisher/lender did not need to show proof. How could this possibly be acceptable when I showed proof that they are not the lien holder but they are reporting late payments. I can not have a late payment for a debt that is no longer furnished by the original lender and I did not refinance the loan. I need my credit report updated.

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 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been in USA two times as XXXX student ( summer work and travel program ). My first trip was from XX/XX/XXXX till XX/XX/XXXX. During the first trip, I opened XXXX  XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. The second trip was from XX/XX/XXXX till XX/XX/XXXX. During the second trip, I opened a XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA in XX/XX/XXXX I went to XXXX XXXX XXXX to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureau. I was shocked because I have never applied for any credit lines/loans/credit cards in the Unites States until XX/XX/XXXX. After a few months ( when I came here in XX/XX/XXXX ), I found out information about credit reports/score/credit history. I log in to XXXX/TransUnion and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt have a visa to the USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about the USA. So, this complaint about ALL information which apper from XX/XX/XXXX till XX/XX/XXXX. I physically lived in XXXX from XXXX XX/XX/XXXX ( which is my DOB till XX/XX/XXXX except to trips to USA that I explain in a beginning ) -it 's no way for me to use this cards. I multiple times explain that over the phone to all credit bureaus and have sent ALL my personal information to confirm my disputes but I am still waiting for the full resolution about a year and suddenly some past FRAUDEN accounts appear at my reports.

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 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a credit card with XXXX/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and XXXX with no successful resolution. XXXX only reporting me 30 days and 60 days late. There was an error on their part. I was never 30 days and 60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
2017 Florida had a hurricane we were offered a 90 day relief and the payments would be put on the back end of the mortgage I am trying to receive my transcript so they can stay true to there offer I can not afford a lawyer. This also doing really bad damage to my credit I have tried time an time again to resolved the issue at hand but to no ravel.The hurricane was in XX/XX/2017 payment that I was granted relief on where XXXX, XXXX, XX/XX/2017 payment resume in XX/XX/2017 as schedule

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 2019-04-23 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: PA

Complaint narrative:
Fraudulent account with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Multiple times with the latest being XX/XX/XXXX chase has manipulated the order credits and debits come out of the account so they can collect late fees. I have receipts and screen shots showing a positive balance after a deposit and the next morning there are multiple bounced checks. First time i brought this up it was made right and I was told deposits have to be made before XXXX no mention of eastern time. This last time i made sure my deposit was before XXXX and now they are saying XXXX eastern. Their reps should no this stuff. On top of this they organize the transactions so they can maximize the amount of things over drafting. they had a class action lawsuit XXXX dealing with this exact same thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: DC

Complaint narrative:
I submitted a mortgage assistance application to XXXX, at teh suggestion of XXXX on or near XX/XX/2019. 

I completed all items need for a modification on or near XX/XX/2019. 

I objected to the loan transfer to PHH Mortgage on XX/XX/2019 until XXXX had processed my loan modification request. 

I made multiple inquiries to XXXX to validate that the mortgage assistance application was complete between XX/XX/XXXX-XX/XX/2019. XXXX didn't process the request by law and neither did it transfer the request to PHH.

I got a letter from PHH on XX/XX/2019 indicating " Early Intervention '' when I had already submitted a application for relief. 

I need XXXX to act on my request as provided and that it was complete.

Company response to consumer: Closed with explanation