vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am requesting a settlement agreement with Wells Fargo Credit Card Services. Many interest charges and prior disputed charges are not mine/ fraudulent and was denied in past disputes when reported. This collection account and past due charges, is definitely damaging and hurting my credit report and is hurting my chances for applications in reference to credit with other companies in the future. Please consider a monthly installment plan deducting/ reversing all late fees and interest that accumulated since the opening of this credit card. I am requesting for a agreement document for this requested settlement amount and also deletion of this account to all 3 credit bureaus, once payment is satisfied. In order for this agreement to take place. I am unable to make a one or 2 time payment. So please consider a monthly agreement settlement amount until this balance is paid. Please send documents to the confirmed address you have on file or associated with 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 monetary relief
Consumer complaint received 2019-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I called Capital One on XXXX19 to let them know they had reported an inaccuracy on my credit report. It was reported that I was a authorized user on an account and it was delinquent.The first time I called I spoke to a woman named XXXX who tried to help me but sometime during the call we got disconnected so I called back and talk to someone else who transferred me over to another department that supposedly handles these matters.I again spoke to another woman who said she could not find the account that I was speaking about so I ask her who I needed to speak to that could know about it or can help me find out why it was reported by Capital One on my credit report so I can resolve the matter. She then stated again that she could not find any open accounts with my name. So I then ask her if I could get a letter in writing stating that I had no active account with the company and she refused starting various company policies and reasons.She then said she could transfer my call to someone else who could help me with this matter.I was waiting on hold again for an additional 15 minutes and then got disconnected or hung up on once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc.
State: MI

Complaint narrative:
XXXX let me recieve a card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC
State: MN

Complaint narrative:
I received a call on Tuesday, XX/XX/XXXX from a debt collection agency called Dynamic Recovery Solutions ( " DRS '' ) claiming that I owed several hundred dollars in credit card debt for a card open under XXXX XXXX. I explained that I have never opened a card with this bank and that the charges were fraudulent. This was the first time I had ever heard of these charges from any party, yet a debt collection agency was now attempting to make me pay for fraudulent charges that I had never been given a chance to collect. After the call with DRS, I immediately called XXXX to file a fraud alert on my credit score with the three major credit rating entities ( I was told that once one of  them is informed of a fraud alert, the others are also informed ). I then called XXXX XXXX to inquire about the charges. They stated I had no account open with them and no outstanding balance. I called DRS back to obtain more information, and then sent me a series of documents, including correspondence sent to an address that I have not lived at since XX/XX/XXXX, which is likely why I was just hearing about these charges for the first time. I also learned that the charges were actually through a XXXX XXXX XXXX issued in some kind of partnership with XXXX XXXX. On this second call, DRS stated that I should send them any documents related to my contesting of the charges. So, I then called XXXX XXXX XXXX XXXX   services, followed directions related to the nature of this issue, and received automated instructions to send my dispute in writing to a specific XXXX XXXX XXXX XXXX, FL ( the letter is attached to this complain ). Accordingly, that same day, I mailed a letter describing the nature of my dispute of the charges ( they are clearly fraudulent because I did not incur them ). On my second phone call with them, DRS also stated that I should send them any documents related to charges or filings with any authorities. That is why I am reaching out to the appropriate government agency. I did not incur these charges -- clearly someone illegally obtained my information and used it to incur these charges and I should not have to pay for them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried multiple times with Equifax to temporarily lift my account freeze so I could apply for credit. I have the 10 digit PIN number but their website is never available ( I  have tried 20-30 times and it always says " Not available at this time. Please try again later. " ). When I call in they ask 8-12 questions which are basically unanswerable without a credit report in hand. The questions pertain to loans that are 5-10 years old, accounts that were cancelled over 4 years ago ( I kept naming cancelled accounts and they kept saying, " No, that's not it '' " No, not that one '' " Try another one. '' ) and account balances on specific statements. Hard to do when you are sitting in a retail store or car dealership, having them try and run your credit report. FYI, my credit score is XXXX to XXXX, depending on the agency, so I have immaculate credit and bad credit is not the problem. Equifax, because of their insecure history and blatant neglect of consumer information, has now gone so far in the opposite direction that they can no longer function as a viable credit reporting agency. I want some way to access my account freeze, which is not possible now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: IL

Complaint narrative:
We just refinanced with United Wholesale Mortgage and it has been nothing but a cluster of goofups on their behalf since the get-go. 

We have not even made the first payment and we have been insulted, ignored, and belittled by the employees/CSR 's of the company. From not having calls returned to being told that the statement they emailed and US mailed to me doesn't exist.

They sent me a statement dated XX/XX/2019, this was never received until I requested a statement in mid-June. They emailed it to me and like magic, it also showed up via US mail two days later. The letter, which they cant find, states that I am responsible for paying my property taxes. When I am escrowing them. Every call I make to resolve this matter, the clerk says I am escrowing the account, no one can find or explain the letter and no one is willing to provide a corrected letter/statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
my tenants XXXX XXXX and XXXX XXXX paid me a check for the rent which i deposited to JP Morgan chase bank on XX/XX/2019XXXX amount of the check is {$830.00} and {$240.00}. On XX/XX/2019 chase told me that the check was returned unpaid. chase did not credited my account the amount of check deposited. So i went back to my tenant to collect the unpaid rent, my tenant went to XXXX  XXXX XXXX to find out what happen and they said that they paid chase bank. until now we don '' t know were the money is. Iask chase, they don '' t have the money, my tenants ask XXXX  XXXX XXXX and they said they pay Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-28 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: NJ

Complaint narrative:
I have several accounts that don't belong to me. XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX what is this on my credit please remove not mines I explained XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX XXXX Original Creditor XXXX  Open Date XX/XX/XXXX Balance {$570.00} Collection Debt {$570.00} XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$150.00} Collection Debt Account Type Revolving Balance Credit Limit {$1700.00} Payment Status Negative XXXX XXXX XXXX {$1700.00}

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 2019-06-28 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: NJ

Complaint narrative:
I have several accounts that don't belong to me. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX what is this on my credit please remove not mines I explained XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Date XX/XX/XXXX Balance {$570.00} Collection Debt {$570.00} XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$150.00} Collection Debt Account Type Revolving Balance Credit Limit {$1700.00} Payment Status Negative XXXX XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Associates sued me on XX/XX/XXXX utilizing address I had not lived at since XX/XX/XXXX; the original creditor never had this address on the account. The received judgement and garnishment. On XX/XX/XXXX the XXXX Municipal Court in court case XXXX the order was vacated all money received from garnishment was to be returned to me. In a recorded conversation with Portfolio Recovery Associates in the month of XX/XX/XXXX agreed to dismiss and settle the case as paid and remove it off my credit. In XX/XX/XXXX, I noticed the case was listed on my credit report and disputed the case, Portfolio Recovery Associates then mailed me documents showing payments in the amount of {$450.00} made on XX/XX/XXXX and XX/XX/XXXX that they did not return and placed on the account. I have tried to discuss this with them on XX/XX/XXXX, they state they have no court documents and do not have anything showing the court case or that the case was settled and the money was to be returned. Additionally, the balance shown on my credit report is only for {$130.00} not the original amount of {$1000.00} or the XXXX they state the balance is after ignoring a vacated court order and keeping the garnished payments received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received an email from Capital One this morning telling me my account has been suspended and is scheduled to be closed on XX/XX/19. I called Capital One to ensure the email I received was even real only to find it in fact it was. I asked them to not close my account as I have a XXXX credit line and owe XXXX on the card. As you are aware this is 0 % utilization which helps my credit score which is already over 800 but this will pull that XXXX out of my total available credit and overall usage ( which is still incredibly low being around 2-3 % utilization ). Here are the facts : 1. Never paid a late payment on a single trade line. 2. 31 year same place of employment. 3. FICO over 800. 4. Total debt to income ratio is extremely low. I simply want to know why and understand how they are allowed to negatively impact my credit score for no cause other than i haven't used the card in over a year? UMMMM doesn't this sound like wise credit usage? Unreal and I would appreciate you looking into this or changing how my credit score can be negatively impacted EVEN if over 800 already based on decisions out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I received a call on Tuesday, XX/XX/XXXX from a debt collection agency called XXXX XXXX XXXX ( " XXXX '' ) claiming that I owed several hundred dollars in credit card debt for a card open under Synchrony Bank. I explained that I have never opened a card with this bank and that the charges were fraudulent. This was the first time I had ever heard of these charges from any party, yet a debt collection agency was now attempting to make me pay for fraudulent charges that I had never been given a chance to collect. After the call with XXXX, I immediately called Equifax to file a fraud alert on my credit score with the three major credit rating entities ( I was told that once one of them is informed of a fraud alert, the others are also informed ). I then called Synchrony Bank to inquire about the charges. They stated I had no account open with them and no outstanding balance. I called XXXX back to obtain more information, and then sent me a series of documents, including correspondence sent to an address that I have not lived at since XX/XX/XXXX, which is likely why I was just hearing about these charges for the first time. I also learned that the charges were actually through a Banana Republic/Gap card issued in some kind of partnership with Synchrony Bank. On this second call, XXXX stated that I should send them any documents related to my contesting of the charges. So, I then called Banana Republic credit card services, followed directions related to the nature of this issue, and received automated instructions to send my dispute in writing to a specific PO box in XXXX, FL ( the letter is attached to this complain ). Accordingly, that same day, I mailed a letter describing the nature of my dispute of the charges ( they are clearly fraudulent because I did not incur them ). On my second phone call with them, XXXX also stated that I should send them any documents related to charges or filings with any authorities. That is why I am reaching out to the appropriate government agency. I did not incur these charges -- clearly someone illegally obtained my information and used it to incur these charges and I should not have to pay for 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 non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting for XXXX, Experian and XXXX to add my contact number in the written section of my credit report located under the fraud alerts. This gives companies the opportunity to contact me to confirm my identity i anyone or myself applies for credit. Without this contact information banks and credits automatically deny any applications done by me. Also I want to be contacted in the future by any creditor if anyone tries to apply for anything in my name. I am requesting for the written security alert on my credit file to say Due to past fraudulent activity a security alert has been added to the consumers report/ file. In order to verify an application has been made by the consumer. Please contact the consumer first at ( phone number ) before considering.

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 2019-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The bank associate closed the wrong account in XX/XX/2019. The same day the associate informed us that the account reopen request was put in the same day this occured and that to wait for the account to be turned back on. This did not occur. The bank now says they cant put everything bank to the way it was. Isn't this fraud? I did not request for this account to be closed.

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 2019-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American First Finance, Inc.
State: NJ

Complaint narrative:
applied for credit at XXXX XXXX XXXX, did not get approved but they offered a program called " XXXX XXXX money '' wheras i get 3 months no interest but have to pay WEEKLY, went by frequency of pay days. So 3 months go by of paying over XXXX per month. Now i find out that ends and they are demanding the balance approx XXXX due or they are charging a very high interest rate daily to accumulate quickly anything i paid back plus. Then its over in 2020 and i have to pay the amount in full, by then the original amount will triple or quadruple

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Collection Services, Inc.
State: NY

Complaint narrative:
I was told that I visited the XXXX XXXX XXXX in XXXX, New York, XXXX on XX/XX/XXXX and had a surgical procedure done. The fact is I never visited this medical center in XXXX as I was living in a totally different location at the time. There are a few other circumstances that go along with this billing which shows very old address information on the account. Old information that goes back to the early XXXX 's. This billing would have been paid by my insurance company at that time. However, I must point out, I have never received any billing statement from the original creditor XXXX XXXX XXXX for this amount. I feel I am being scammed and harrassed by this debt collector for a debt which I have no proof that it was a service I personally rendered. The information given to me by debt collector : CBCS, XXXX XXXX  XXXX, XXXX, OH XXXX ( XXXX ) XXXX ; does not show me what type of treatment it was for, the name of the doctor performing the treatment, the address of the hospital, a phone number to contact the hospital for verification of billing, no signature identification proof to verify that it was me, plus sending HIPAA information through the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I have tried to find a solution with PenFed in regards to the auto loan as well as the credit card that I have with the Credit Union. Over the last 6 months I have corresponded with several of the penFed representatives by phone and e mail to result in a fair opportunity for resolving the matter of late un unpaid balances. Starting in XXXX I made many attempts to have the auto loan looked at a negotiated to terms in which were financing the remainder of my auto loan {$16000.00} ( the loan balance was {$30000.00} at beginning of financing 3 years ago ( XXXX ). I have paid over half the loan balance. On XX/XX/XXXX I have e mail from XXXX XXXX advising me that XXXX was able to take control of my loan and find a solution. On XX/XX/XXXX XXXX as advised NEVER corresponded with me regarding loan, nor have I been in conversation with XXXX at all. ( I have all e mail correspondences ) I have taken all extremes in resolving this matter with the Credit union to further my relationship with the bank. Requesting to finance the remaining balance of my auto loan to lower my payment which would then also allow me to stay current on the credit card. PenFed has now started reporting negative actively as well as HARD inquiries on my credit report which in turn has caused a negative impact to my credit score as well as late payments to my credit history. My credit score has now declined due to PenFeds activity and non willingness to work with the consumer to settle payments. The only negative activity on my Credit is PenFed and it is causing hardships now in other areas of my life. I would like to resolve this matter sooner than later with this Credit Union as I am in good standing with all other accounts and payment history and also would like to keep my automobile.

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