vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted Equifax by certified mail on XX/XX/XXXX to correct personal information errors on my credit report. I also included a copy of my state id, social security card, and utility bill all containing my name XXXX XXXX XXXX XXXX on each document. I have attached a copy of the letter along with a copy of my state identification to prove my correct name with this complaint. I was a victim of the security breach at Equifax during XXXX, every since that time I have received inquiries, and letters to my home in the name XXXX XXXX XXXX. Equifax had the name listed on my credit report. I have never gone by or been known as XXXX XXXX XXXX XXXX XXXX XXXX. I contacted Equifax to have the name removed, but instead Equifax deleted my real name XXXX XXXX XXXX XXXX completely from my Credit report and replaced it with XXXX XXXX XXXX XXXX despite having 3 separate documents with my real name provided to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has disabled access for authorized third-parties i.e. finance apps for users to access their own data, make payments/pay bills via their API.

This was initially reported to me as a Debitize customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services
State: SC

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX directly as well as the 3 credit bureau 's. I have requested that this lending company more than 60 days ago to remove this false negative account from my credit file and or show just cause of any potential accuracy or proof for reporting. To this date I have yet to see any documentation bearing my signature, and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this false negative information be removed from my credit file immediately as this is hurting my credit worthiness. I can only assume that this is a mistake and that this above named company is not attempting to prey on consumers. My I have maintained copies of these notarized letters and dates. 

Your assistance and investigation of this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I called American Express on XX/XX/2018 because I was unable to make payments because of their system. 

When you add a new bank account, it is probationary ( but not mentioned that it is ) for 30 days and their system only allows you to make limited payments. Because I was unable to make payments with their banking system, my credit card became over the limit which negatively affected my credit score.

I called their customer support who stated that they were unable to help me and that " everything looked fine from their end '' and my account was not delinquent. 

I have been an American Express customer for 7 years and have never had any previous credit cards enable this restriction on bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX and I am contacting you regarding account CBNA Reported : XX/XX/2018 - {$420.00} Closed showed up on my XXXX credit report. It is fraud and it does not belong to me and I would like it removed from my credit report at once. I am a victim of identity theft but it seems like every time XXXX is forced to remove something off my credit report they find something else to add to drop my score. Please make them remove this fraudulent account because it doesn't belong to me. Also I have asked them several times to add my employer which they refuse to do my employer is XXXX XXXX XXXX XXXX. My credit score should be at almost 700 if things were reported correctly by 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 2018-05-22 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX and I am contacting you regarding account XXXX Reported : XX/XX/2018 - {$420.00} Closed showed up on my XXXX credit report. It is fraud and it does not belong to me and I would like it removed from my credit report at once. I am a victim of identity theft but it seems like every time XXXX is forced to remove something off my credit report they find something else to add to drop my score. Please make them remove this fraudulent account because it doesn't belong to me. Also I have asked them several times to add my employer which they refuse to do my employer is XXXX XXXX XXXX XXXX. My credit score should be at almost 700 if things were reported correctly by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I settled a debt with AMEX through their collection agency XXXX XXXX ph : XXXX. I made payments as agreed upon. Recently I received a mail from a different collection agency XXXX ph : XXXX for the " remaining amount ''. That amount was agreed to be cancelled based on the settlement. I called XXXX and was told to call AMEX because the file is no longer with them. I called AMEX and was told to call XXXX. I called XXXX and was told to call AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX XXXX to purchase a new vehicle. An extended warranty that cost {$2600.00} and GAP insurance that cost {$750.00} was added to the loan. I went in 3 days later on XX/XX/XXXX to cancel within the 30 days for a full refund. XXXX XXXX assured me a refund would post to my loan by early XX/XX/XXXX.  When that did not happen I contacted their customer service representative who did not respond back, but had XXXX XXXX contact me. XXXX Left a  voicemail on XX/XX/XXXX assuring me the cancellation was in process and that the lender would get a refund with in 3-5 business days. On XX/XX/XXXX I still did not see a refund so I called XXXX XXXX who said he needed to get with his cancellation department and he would call me back. He never did call me back. Their customer service representative also ignored my emails. The contract says I can cancel but now I'm at the mercy of XXXX XXXX XXXX if they want to cancel the warranty contract and GAP coverage, even though I was fully entitled to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
During Hurricane XXXX  I lost a huge account. I got behind in my American Express payments. I had several other credit cards who worked with me. I tried talking to American Express without success. They jacked my interest rates up to 29.99 % and then cancelled my credit card. They had men call me almost every day harassing me to pay my bill. My wife and I took out loans to pay it off and she tried to be added as a user so she could communicate with them. Because they cancelled my card they wouldn't add her, nor would they talk to her about payments. We owed about XXXX. We paid off XXXX in one lump sum ( the minimum required was XXXX ). Imagine our shock when we got a bill from AMEX STILL charging us 30 % interest and the credit card is still cancelled. They harassed me mercilessly and the men were all foreign speaking with a heavy accent and were very very pushy. Every other credit card is charging me about 11 % interest. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been put on XXXX and XXXX for fraud activity due to a closed account from Bank of America .. since then I have disputes this information with ews and fraud activity has since been removed by Bank of America .. Bank of America has yet to remove this same information from chexsystems and I was recently able to open an act with XXXX XXXX after calling and verifying that the information was updated an removed but a day later my act was closed because it was not fully removed pm paper ... please remove this ASAP

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 2018-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Has to do with complaint number # XXXX. According to the Florida Hardest Hit Program includes two assistance programs, an Unemployment Mortgage Assistance Program ( UMAP ) and a Mortgage Loan Reinstatement Program ( MLRP ). The HHF Program will provide assistance in the form of a subordinate mortgage loan. ( HHF Loan ) to the homeowner. The HHF Loan will be evidence by a Promissory Note, a Rider to Promissory Note, and a Subordinate Mortgage ( collectively, the Loan Documents ). The Loan Documents, including requirements contained in the HHF Approved Letter, contain the terms and conditions that will govern the HHF Loan. With that said, once Nationstair Mortgage and/or Mr.Copper accepted these terms set by HHF Program, then under those terms and conditions. Under the Rider to Promissory Note Section D. : ( The owner or servicer of the Borrower 's First Mortgage Loan must agree to accept and apply the HHF Loan proceeds to the contract payment due under the Borrowers First Mortgage Loan, and where the HHF Loan proceeds are advanced for reinstatement, must agree to reinstate the First Mortgage Loan. also under the UMAP & MLRP you receive a maximum payment of {$18000.00} towards the installments of principal, interest, mortgage insurance, escrow amounts for taxes, insurance and homeowners association fees. Which also where included for the next year monthly payments. Paid out by Florida Hardest Hit Program. Therefore, as you stated in your response letter to me, The funds provided were not enough to bring the account to current standing. The Florida Hardest Hit Program would not have continued to make payments towards anything that would have to due with the Mortgage. Furthermore, if you accept the terms they provided, then under these terms, you have to make due with what you got. And bring the account up to a current statues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This makes the 6th or 7th complaint against XXXX XXXX XXXX XXXX. 
On or about the beginning of XX/XX/2018 I wrote about the inept and horrible customer service via their XXXX #. They transferred me to XXXX, some other place, and kept me on hold for over 3 hours. Each time I was transferred to a different person I would ask for a manager but only to be ignored. And with each transfer, I was asked the same probing privacy questions ( name, address, birthday, last 4 of social, etc. etc. etc. ) After being on hold for this long and disregarded I repeatedly asked for managers ... but it was their own XXXX over my frustration that escalated my call to their " fraud dep '' and where this matter is not being handled now. 
Since this time I have sent my license to them at least 7 times. A few weeks ago, I again contacted their " exec. resolution '' office, someone named XXXX said he had NO PROBLEM seeing my license, which he also saw was in the system at least 4 times. I am of course furious at this time ... he tells me he is going to " escalate '' the call to a manager in the fraud dept. and make sure someone calls back. Of course, as usual, days and days go by with no call from the fraud dept. I was told someone named XXXX was not allowing anyone else to speak to me. After another call to these offices someone said they would send an email to her manager. I am waiting to see if she calls back. In short : 1.  Both of my cards have been locked. One has a balance of XXXX and the other just over {$1000.00}. 
2. They had my license for over a week the first time I sent it and didn't bother to say anything until I kept calling. 
3. They seem to purposely incite anger and frustration so they can make excuses for their own mistakes and terrorism. 
4. They have my social security number, license number, address, card history and customer history. 
5. Letters to their CEO and other executives are ignored and/or " handled '' by the resolutions office to no avail. 

It appears that I myself have to contact law enforcement, the US Marshal 's Service (? ) and report this as a purposeful act to cause harm and emotional distress to an average citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
on XX/XX/XXXX, i lost my husband. i waited and waited for retroactive spousal payments from Department of Veterans Affairs. 
I looked up my Ebenefits page under Department of Veterans Affairs, it showed that my payment was deposited into an fraudulent account at Wells Fargo Bank on XX/XX/XXXX.  the only account I have with WFB is my mortgage. i went into the XXXX, DE location and all I got was questions from CSR " are you sure this not your account '' 'could you have gave a wrong account number? '' Only thing was done, was that it was proven as an fraudulent account and the deposit was done with a check/trace mode on XX/XX/XXXX. this account could not be found anywhere. 

after almost 3 years and still the grief, XXXX, and XXXX is still fresh like as if it was in 2015. Have never received anymore from this bank. 

Department of Veterans affairs resubmitted me a payment. But clearly when I signed papers at the VA my Deposit was to go to XXXX. I would like to be compensated for this situation ... not out of the other class action suit this is more than what is going on with the class action suits. until i read about these class action suits, i wasn't even interested until I remembered what had happened to me and I consulted with a lawyer. who advised me to file this complaint.

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 2018-05-22 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: AR

Complaint narrative:
I am frustrated in regards to the accounts that are not associated with me, I have filed an identity theft report and faxed it over to all 3 bureaus, I have contacted XXXX, XXXX, and Equifax via phone, fax, and certified mail. I haven't had any luck in getting anything resolved. I am trying to buy a home, and accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my account since 2014 The following accounts where tied to my name which I havent opened : XXXX XXXX in the amount of {$590.00} XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount {$220.00} XXXX  XXXX XXXX XXXX in the amount of {$550.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 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: AR

Complaint narrative:
I am frustrated in regards to the accounts that are not associated with me, I have filed an identity theft report and faxed it over to all 3 bureaus, I have contacted Experian, XXXX, and XXXX  via phone, fax, and certified mail. I haven't had any luck in getting anything resolved. I am trying to buy a home, and accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my account since 2014 The following accounts where tied to my name which I havent opened : XXXX XXXX in the amount of {$590.00} XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount {$220.00} XXXX XXXX XXXX XXXX in the amount of {$550.00}

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 non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to sign up on Navient 's website for recurring monthly payments from my savings bank account. The process seemed to go smoothly, and I received a message on the website saying that it had been successfully enrolled. and that I could expect my monthly payments to come from that bank account moving forward. 

On XX/XX/XXXX, I received an email from Navient that my auto-pay enrollment had been cancelled. The message noted that " the bank account information provided was incorrect or invalid. '' Later that day, I called Navient 's customer service to resolve the matter. The customer service representative reported that the scheduled auto-payment had indeed been completed, even though I told them that it hadn't shown up on my online bank statement yet. 

On XX/XX/XXXX, I received an email noting that my payment had not been processed. When I logged onto my Navient account, I saw that my bank account had been deleted, so I entered it again -- again, registering for auto-enroll for my bank account. 

On XX/XX/XXXX, I received a past due notice by email about the payment. When I called customer service on XX/XX/XXXX, they told me my bank account had been " blocked. '' They said that it was an invalid bank number, even though it was all correct. They said that the only way to " unblock '' it would be to request that my bank fax Navient to verify that the account is " valid. '' At this point, Navient is charging me a late fee, and I still can not register to make automatic payments from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I received letter from XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) that they attempt to collect a debt on behalf of XXXX. 
I do not do business with XXXX, and I don't think XXXX is in the business of lending money anyway.

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 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: N.A.R., Inc.
State: UT

Complaint narrative:
NAR INC, has been informed there is a pending police investigation for my second police report filed with XXXX  here in XXXX XXXX XXXX Utah. However, knowing this knowledge they have received an affidavit with this information including a police report detailing my house had been broken into which my personal information and cards were compromised, I informed NAR, INC. again several times over the phone the XXXX police detective told me to file the police report after all credit cards and bank accounts involved had finished their fraud investigation to file one full police report and then submit it to the XXXX police department. NAR, INC regardless of knowing this information are now attempting to serve papers anyways for litigation for a debt that was a result of identity theft and fraud. These legal action are prohibited under the FCRA and FDCPA considering the account they are seeking attempt to collect on was involved in identity theft, scam, and fraud. The bank which they claim the debt from XXXX failed to do a proper legal Fraud investigation, they assumed I gave out my information and took no step to do a fraud investigation. I informed the police department that the bank XXXX didn't do a fraud investigation and they informed me to continue the procedures of waiting out for all credit cards and bank accounts to complete their fraud investigation still. NAR, INC is willingly in violation of my FRAUD VICTIM Bill of RIGHTS and pursing the debt anyways. I am seeking the CFPB to get involved in this matter again. I am currently waiting on the completion of three fraud from XXXX, XXXX, and XXXX investigation to be completed to file the full police report for the XXXX police department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation