vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-01 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2014 {$360.00} {$360.00} XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX RE : Disputed Account Notice to Furnisher Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Please send me a letter explaining your findings and actions.

Sincerely, XXXX XXXX Enclosures : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.

Identity Theft Report Proof of identity Notice to Furnishers of Information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-01 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: NY

Complaint narrative:
I have been disputing a fraudulent account where charges were made on XXXX XXXX XXXXXXXX account for months now. Finally XXXX has removed and deleted this account off my credit report. I disputed this also with experian numerous times and it is still appearing as an adverse account on my experian credit report. I have submitted proof plus the fraud form and the disputed item but experian is still currently reporting it. I am getting to the point where I have been more than enough patient with experian and XXXX in resolving this issue as it is causing me a hardship in obtaining substantial credit with this account on my credit report. I did NOT do these charges and I am at the point of obtaining legal advise in suing experian and XXXX for ruining my creditworthiness as they are not correcting this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been disputing a fraudulent account where charges were made on XXXX XXXX XXXXXXXX account for months now. Finally XXXX has removed and deleted this account off my credit report. I disputed this also with XXXX numerous times and it is still appearing as an adverse account on my XXXX   credit report. I have submitted proof plus the fraud form and the disputed item but XXXX   is still currently reporting it. I am getting to the point where I have been more than enough patient with XXXX and transunion in resolving this issue as it is causing me a hardship in obtaining substantial credit with this account on my credit report. I did NOT do these charges and I am at the point of obtaining legal advise in suing XXXX and transunion for ruining my creditworthiness as they are not correcting this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have had trouble with my federal student loans since they were sold to Navient without my permission. I did not choose them to be my service provider. 

First, they put me in a repayment plan that was not the best option for me and would have cost me thousands of dollars more over time. I figured it out on my own, and it was nearly impossible to have it switched when I did. No response from customer service, social media, no follow through. 

As of right now, I have been paying at least double ( often more ) on my student loans since XX/XX/2017. I am asking that with each payment, that the due date gets advanced. Despite this request every single month ( on their website prompting me to make the request! ), my due date says this month. This is 100 % entirely incorrect. My due date is not being advanced. This is putting me in financial danger if I pay more and then become unemployed. It is illegal to take my extra money and not apply it as I am indicating on my loans. This is an option with EVERY online payment - and every time, I have requested to advance my due date with the extra payment money. 

They are not responding to this problem via phone, social media, email communication or through their online portal. Please help. I am also not certain whether my extra money is being applied correctly. There is nothing on their site to see the history of how my payments were applied or what interest is accrued monthly, retrospectively. It simply provides a list of my payments without any actual details of how they were applied over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
COMMON WEALTH FINANCIAL needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and have been report any new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.I have requested that COMMON WEALTH FINANCIAL Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I was alerted by Bank of America of suspect charges on my credit card. When I checked my pending charges, three stood out as purchases I didn't make. One for a XXXX XXXX, another at a XXXX, and another at an XXXX XXXX. The charges were of the amount of $ XXXX {$100.00} a piece. Bank of America agreed over the phone that the charges were false, canceled my card, and sent me a new one.

Of the three charges, two never got past the 'pending ' stage but one managed to slip by which was from XXXX , the first fraudulent charge to be made. That one was quickly reverse on my statement, I assumed because they didn't catch it in time This week, starting Monday XX/XX/XXXX, the charge from XXXX totaling {$76.00} was placed back on my credit card statement stating that charge was made with my card. 

I called a few times to gain info about why the charge was put back. I wasn't given any info why other than their research showed that my card was present at the time of transaction. Which is impossible I was at home and sleeping off the XXXX that day. 

The lady on the line stated that my card had to have been used as chip card can not be copied. Which is in contrast to was is stated on their website ( screen shot attached ) That day I was at home and was nowhere near where the charges were being made. Since I was at home I have no way of proving that I wasn't in the area. On my second call, I did obtain the old credit card number in case XXXX could look up the transaction and possibly find security footage that proves it wasn't me. I haven't had time to make it to that part of town due to starting a new job this week.

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 2018-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: AK

Complaint narrative:
I opened XXXX XXXX credit card on XX/XX/XXXX and made a purchase on the same day in the store for which I made the payment same day. I was supposed to get a permanent credit card in my mailbox which I never got and I did not activate the card. I recently pulled my credit report to find delinquency on this credit card. I found that there were payments accumulating on my XXXX XXXX XXXX XXXX but, I never made any purchase with the card after XX/XX/XXXX. As per the company, there is a transaction of {$160.00} made through my card on XX/XX/XXXX. Due to no payments for this transaction, my credit score and credit report are being spoilt. But I never made this purchase as I never activated my card. I figured this recently and filed a complaint with the credit card company on XX/XX/XXXX, but they are taking too long to sort this out. I am unable to do anything without my credit score getting back to originally what it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and have been report any new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.I have requested that ONLINE COLLECTIONS SERVICES Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the deb collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Unhappy with the way Capital one is handling disputes, by stating that XXXX is not giving them enough room to help me.It looks like Capital One wants to charge me the amount without looking into the fact, which is costing me more money and time to get my refund, and happening repeatedly. 
On Fri, XX/XX/XXXX I was charged {$990.00} by XXXX XXXX XXXX for fixing coolant leak in my car for First Time. My car is again coming back with same coolant leak issue. Next I went back and I was charged Tue, XX/XX/XXXX was charged for {$510.00} and again the coolant leak is coming back, when I went back for second time XXXX 's initially agreed to fix the issue at no additional cost and told it will be resolved in a day, but they hold my car for extended period of time and charged me additional amount. I have no faith in XXXX 's motor, as they are ripping me off by no fixing my car and trying to make me come back and charge additional money. If Capital one needs second opinion for me to get my refund, then I request Capital one to pay of a professional to diagnose my car and give a written note, as for me my car is the evidence that the car coolant leak is not fixed. 

I filed dispute with capital one for both transaction and Capital one refuses to refund my money, only because XXXX XXXX XXXX send my invoice which hold no weight or proof that my issue is resolved. I only signed the invoice with the garuntee that XXXX 's has resolved my coolant leak, but my coolant is still leaking, I have to top off little coolant every other day and drive my car, which is costing more money as it is. 

Adding to above, during my second visit XXXX XXXX XXXX ill advised me to sell my car, so that I wont have any evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am receiving threats and intimidation from NAVIENT, saying that I am 120 days delinquent when in fact I have already paid off the loan ( s ).

NAVIENT, cashed my checks which covered the balance of the loan ( s ) on these dates : XX/XX/2018 CHECK XXXX Check Paid # XXXX {$630.00} XX/XX/2018 CHECK XXXX Check Paid # XXXX {$280.00} Further, NAVIENT is very abusive in that they try to force you to speak with an automated voice robot and will hang up on you if you refuse, which does not solve any issue, it only creates others. This is a very poor communicating company and they are falsifying records

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX in the amount of {$1200.00} in a checking account i was making payments using another checking account number but i kept accidently using the wrong bank and it kept over drafting me these were not my fault on this amount please remove this and remove the charge off from my credit report as i asked several times. i want to escalate this higher if this is not resolved in 15 days if CFPB will not take care of this matter i will gather all my information to my lawyer on XX/XX/2018 On this date i will get a lawyer because of this i lost my most favorite bank i have recommended XXXX XXXX to tremendous amount of people in my business. Remove my Charge off from my credit report and let me continue a relationship with XXXX XXXX XXXX and this problem will never happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
From XX/XX/XXXX - XX/XX/XXXX, Bank of America Merchant Services allow perpetrators to use the theft of my personal identity and credit and the EIN of my entity in a money laundering scheme through merchant services. On XX/XX/XXXX, Bank of America emailed me a copy of a digital signed document, bearing my name and purported digital signature on a merchant services agreement. This is not the agreement I signed. The true and accurate contract is evidenced in emails to/from me and bank of America bearing an original ( non digital signature ) of the true and accurate signed agreement. I did not authorize B of A to use my name, identity and credit for merchant services. 

Over XXXX was stolen from by business that remains unremedied today. My credit score has plummeted over 300 points from collection accounts on my credit, placed in my credit by B of A. I am being harassed by creditors. It is known at this time if the crimes are continuing or exactly how many more fraudulent accounts are in the name of me or my business. Bank of America failed to follow rules, regulations and policies enacted to prevent or report these crimes and once know, allowed the crimes to continue, for over a year Bank of America became aware these crimes were occurring. Bank of America worked with the perpetrators of these crimes to try and cover up their collective crimes. Me and my business, remain liable to the IRS for the stolen money as evidenced in the XXXX 's I received from Bank of America. Bank of America and the criminals remain the only beneficiaries of their heist.

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 2018-04-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP
State: PA

Complaint narrative:
I'm a Survivor of XXXX XXXX which ended after 17 years and also my entire life ended when my husband came over and XXXX me under a PFA and made me completely XXXX XXXX   and XXXX XXXXXXXX my entire life changed within 5 minutes and due to that fact I had to wait a year and a half just to get XXXX and live off credit cards for me and my children child support took one year to receive as well and I had no money coming in. We have a home equity line of credit with Key Bank their address is XXXX XXXX XXXX XXXX Ohio XXXX and they do have a phone number here XXXX. My husband under a court order through XXXX XXXX received a credit of {$550.00} every month to pay the home equity line of credit at KeyBank. He continuously paid it late which affected my credit as far as the score and I am now having major difficulties finding anybody that will refinance me. Under the marital Separation agreement and property separate under the marital property agreement I am to refinance {$25000.00} of the home equity line of credit on to my house and my ex-husband must refinance the balance of that loan on to his house. I have been turned down by almost every mortgage company due to my score and due to his late payments. I have offered Court documentation showing that he was fully responsible for making the payments but they all say because it's affecting my score to and which brought it down drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX   and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX  failed to do.

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