vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
on XX/XX/XXXX I applied for a personal line of credit with Wells Fargo in the amount of {$30000.00}. After applying I received a message that my application was under review. a few minutes later I received a text message from Wells Fargo 's automated system indicated that my loan was conditionally approved and that I needed to sign into wellsfargo.com/status for more details. When I signed into the website and clicked on the application it asked me to agree to digitally signature. I went through the process and and agreed. The system then told me that my line of credit request was approved conditionally upon signing the credit agreement which stated that my line requested was for {$30000.00} and my approved amount was {$30000.00}. It also indicated that my apr was 13.25 % variable. Once I reviewed the document ( several pages long that indicated all of the terms and conditions of the line of credit ) I got a pop up message that said " Congratulations you application has been fully approved ''. 2 hours later I received another text message from Wells Fargo that said my application was declined. I logged back in and reviewed the information provided. Still holding in hand a document that stating that my line approval was for {$30000.00}. I called Wells Fargo and asked for more details. They said there was a known glitch in there system. I asked to escalate as I already signed a legally binding loan agreement with them online that said the loan terms and conditions were non-negotiable on the bottom of the documents. When speaking to the supervisor, he indicated that this was a known glitch that the system was approving tons of people who did not qualify for the lines of credit since they migrated to a new platform months ago. I told him that I had a signed a legally binding contract with wells fargo for this line of credit and that this was UDAAP & Fair Lending issue. It would be one thing to deny the application but since the application had already been approved and the contract signed/executed that this was unfair and deceptive. He said there was nothing he could do and offered to transfer me to there executive office. There executive office opened a case on XX/XX/XXXX number XXXX. I was told this would be resolved within XXXX days. We are now more than 30 days out and I have not even received a phone call from them. I did receive a letter dated XX/XX/XXXX from a XXXX indicated that they needed more time to investigate and that I should be contacted no later than XX/XX/XXXX. Wells Fargo has failed to meet there commitments at every turn in this process. They are in clear violation of UDAP, UDAAP, and fair lending laws.

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 2019-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
After reviewing my credit report I noticed a collection account from Portfolio Recovery Associates whom I have never heard of nor have I done business with. I disputed the account to the credit bureaus and to PRA. They mailed me copies of two statements from XXXX XXXX. ( I am attaching everything they mailed to me. ) They did not include anything showing they can legally collect money from me on behalf of XXXX XXXX. I feel like they should have to prove to me they are the proper ones to pay. If I were to pay it I would want to know absolutely sure that I was paying the correct party. I fear this could be a fraudulent claim to squeeze money from me that is not really owed to them. What if I pay them and then XXXX comes back later and said I should have paid them? I don't have the money to pay this thing twice. Honestly, I am not even completely convinced the account is even mine. I don't want any trouble. I just want them to get their act together.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
My name is XXXX XXXX I have been garnished by a company by the name of Midland Funding LLC in the amount of 25 % of all income that been pay to me by my employer, starting XX/XX/XXXX that stated by my employer, I have no such account with this company when reach out to them they told me that they brought this loan from a company that is no long in business. I was told that the company that they brought the loan from in XX/XX/XXXX has send me information in XX/XX/XXXX which I did not received. The amount in question is {$6200.00} so I am asking CFBP to stop that garnish from been affective and also refund any money that has been pay out to them before my case is completed and also notified all credit bureaus of changes to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Today on XX/XX/2018 I was defrauded of concert tickets I was trying to buy for myself. I asked XXXX XXXX, the seller of the two tickets, if she could send me her XXXX and she insisted we use XXXX for the transaction. I have sent money to my family using it, as our bank uses it, so I felt safer knowing it was backed by my bank. After sending her {$50.00} she immediately blocked me. She gave me the number ( XXXX ) XXXX and the name XXXX XXXX ( I now feel as if it is a fake name and possibly number ). I am angry and upset that I am in this position. I do not know what other options there are. I would just like that this person pays for their inhumane actions. I do not know what else I can do. USAA cant get the money back from her. Any and all help in resolving this matter is appreciated. Let me know what else needs to be done in order for me to have this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
On XX/XX/2013 I paid off my debt that went to collections of {$270.00} and I received a letter from credit bureau associates stating that my debt has been paid in full and I also received another letter stating that I would have the " reference account '' deleted from my credit report since it was paid off. I had recently checked my credit report at my local bank and it shows that this debt is still attached to my mine name and is listed as unpaid. It has affected my credit score immensely because of this debt that should have been taken care of years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I changed adress and was never sent any notice or bill nor a phone call

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 2019-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: FL

Complaint narrative:
Negative re aging of this debt to make it appear more recent then it is making it s violation of the FCA. My car was repo on XX/XX/XXXX sold at auction XX/XX/XXXX. This company XXXX XXXX has re aged this debt on my credit report to XX/XX/XXXX to make it appear more recent and that is illegal. They added 3 more years to it. I sent a dispute via credt karma XX/XX/XXXX but nothing came of it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2019-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX my SS XXXX my DOB is XXXX. I have old and unknown addresses appearing on my credit report. The following addresses are not mine they are inaccurate please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have several number that are not mines on my credit report that need to be deleted the following numbers are not mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 non-monetary relief
Consumer complaint received 2019-01-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion website has not allowed for electronic disputes to be filed for over a year now. I have an invalid debt showing in collections on my credit report but yet can not dispute 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 2019-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Purchased an item on ebay and paid with paypal for {$690.00}, ended up canceling with seller, Paypal stated a refund was issued XXXX, however no funds were ever received due to a " guest account '' being used. I used my mastercard debit card, which paypal didn't recognize as a Mastercard they referred to it as a star card that doesn't allow refunds. SEVERAL phone calls were made to Paypal with NO RESOLUTION, paypal made excuse after excuse that they claim i was refunded! I spent hours on hold and i am a truck driver and can not afford to be on hold for those long periods of time. I had to open a dispute with my credit union to get back our money since paypal didn't refund. We receive an email from paypal XX/XX/XXXX stating they apologize for the delayed refund as the refund experienced a " technical difficulty '' and yet I STILL DO NOT HAVE THE FUNDS from XXXX. Luckily the credit union issued a provisional credit. Another phone call revealed funds were in a " guest account '' and when I questioned how can we access the guest account, the reply from the executive of escalations responded with a generic answer of due to the chargeback, we have to wait for the cardholders decision and to call him back, i was never able to reach him and left several messages. XXXX XX/XX/XXXX, 3 months later paypal realized the issue and finally refunded our paypal account. I have all the correspondence from paypal with all the excuses and i feel they have broken reg e regulations and simply didn't assist me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
Contacted Navient as I was placed on XXXX XXXX in support of XXXX XXXX with the XXXX XXXX XX/XX/2018. Navient has harassed my children former spouse elderly and XXXX parents and my sister 's. They have called over 100 times. I have contacted Navient and was told if I pay them XXXX ASAP they will clear the Loa s and Mark paid In full. I have submitted military XXXX  and the amended extension  which Navientsaid they never received. I told Navient with Being on XXXX  how was I suppose to get that amount of funds as I am on military XXXX. Navient told me to borrow the money from my family. I tried telling them the .oans shoj , d have been placed under protection while I am on XXXX XXXX XXXX. I pleaded with them to please not call my family as when they get a call and hear my name they assume the worse and something had happened to me. Please assist and advise. Navient told me they can resort to any means they see fit to get a hold of me and regardless if pay me d 's are Being made the payments are not the full payment amount that if I bad a car I would owe a certain amount so I need to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-26 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: CA

Complaint narrative:
On my credit report there is a debt to a company that I do not owe money to. I have queried the debt with experian and they have not removed the debt nor have they shown me any evidence that I ever owed this company any money. They were supposed to investigate the matter with the debt collection company but I've seen no evidence that any such investigation was completed nor have I seen the results of the investigation.

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 2019-01-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was locked up on XX/XX/XXXX I do not know anyone who use my account and open credit cards in my name without my consent and I just been released I'm XX/XX/XXXX so ID could not make any open or any accounts in my name and these people are someone is trying to make false credit card statements in my name and I don't like that I'm trying to take

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I filed my 1st complaint on XX/XX/XXXX complaint # XXXX on XX/XX/XXXX BOA stated it could not answer my complaint online due to not having XXXX party authorization. So I filed a 2nd complaint on XX/XX/XXXX complaint # XXXX regarding how the bank doesn't process the paperwork they receive and then try to blame the consumer that they are at fault for Bank of America not being able to do its job. Today I am filing a complaint about unfair and discriminatory bank practices in a CRA neighborhood. For not processing paperwork and purposefully running down the clock to a sheriff 's sale to blame the homeowner for missing paperwork in order to avoid having to respond to modification request. I have been in consistent and diligent contact with Bank of America through my case manager XXXX XXXX and with the compliance officer XXXX XXXX and yet neither of them have been forthcoming about the status of my modification request submitted on XX/XX/XXXX that just went to underwriting this week. They are asking for documentation that is unnecessary to prove my son has moved into the home. I have proven he has occupied the home through several methods but they are insisting that I have the PSEG bill put in his name when it is not a requirement for the mortgage. I pay this bill there is a credit and he has changed his address officially with the post office and with his bank and many other ways. He lives here. I have been requested to prove I have child support with the original court order that they have on file since I had the loan and I have sent all updated proof of current support and the new law in NJ on how it continues to pass the child 's XXXX birthday until age XXXX. That still is not acceptable although it is NJ law. I don't know what else to give them. It's an unfair practice and they refuse to respond to the modification request other than to say I haven't turned in paperwork in which I have time and time again. I need help resolving this so I can get my house payment current. The bank has not good intentions to help me bring the loan current because it's not in BOA best interest because it's insured by HUD. This is unfair banking practices. I want them to process the paperwork.

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 2019-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank NA, after having subjected me through a long & detailed application & qualifying processes, has finally & officially approved the Chase Ink Business Cash Credit card & physically sent to me, as attached. 
However, when I use the card, I was informed that the chase bank staff had unilaterally locked the credit card & close my account without my knowledge & conscient. In fact, the Chase bank staff has committed a gross mistake & error of locking & closing of my credit card n its account, after it has been officially approved by Chase Bank n sent to me. In no uncertain terms, I did not inform Chase to close my Credit Card whatsoever!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX a lab test was sent to XXXX XXXX. My doctors office sent it to XXXX even though that lab is not covered under my insurance. I spoke with a case XXXX about it and was told the bill was paid. After the invoice sent to me in XX/XX/XXXX I did not here from XXXX XXXX any more. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that the bill from XXXX XXXX was in collections. I called XXXX XXXX and got a receipt showing I do not owe any money. The updated invoice is dated XX/XX/XXXX. I faxed it to the collection agency. They then mailed me a copy of the invoice dated XX/XX/XXXX which is dated before the debt was paid asking for payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was XXXX XXXX on XX/XX/XXXX I do not know anyone who use my account and open credit cards in my name without my consent and I just been released I'm XX/XX/XXXX so ID could not make any open or any accounts in my name and these people are someone is trying to make false credit card statements in my name and I don't like that I'm trying to take

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 2019-01-26 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: FL

Complaint narrative:
I was XXXX XXXX on XX/XX/XXXX I do not know anyone who use my account and open credit cards in my name without my consent and I just been released I'm XX/XX/XXXX so ID could not make any open or any accounts in my name and these people are someone is trying to make false credit card statements in my name and I don't like that I'm trying to take

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