vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am an attorney representing the homeowner. Wells Fargo refuses to speak with me despite having submitted letters of representation twice via email to the specific account representative and the homeowner faxed same to the fax number provided by the representative. As I type this complaint, I sit on an indefinite hold awaiting a supervisor. My basis of my representation stems from Wells Fargo 's unlawful debt collection practices, in violation of the terms of its agreement with the homeowner. Moreover, these practices by Wells Fargo include improper negative credit reporting and repeated dunning collection calls despite my repeated notices of representation. I am attempting to resolve this dispute amicably, without litigation and without incurring excessive legal defense costs - they just won't even talk to me.

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 2018-05-18 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There is a business credit card that was taken out by the company I used to work for. That company went out of business, and now Chase is asking me to pay the card off. I never agreed to be personally liable for this card, and only 3 months ago did this account suddenly appear on my credit report. 

Chase refuses or is unable to provide me with my online or written consent to be personally liable for this account. They refuse to respond to multiple debt validation letters I have sent about this account. Instead, they sent me a letter stating the put a Cease & Desist on all of my accounts I have with Chase including my personal checking,  savings, and credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been corresponding back and forth with XXXX and now XXXX for the past year regarding the late payments they are reporting on my account with the credit reporting agencies ( XXXX, XXXX  and Trans Union ).

XXXX is reporting two 60 day late payments on two separate accounts! Not 30 days, but 60! I have asked for explanation and proof that these payments were billed as payments due and not received. I am not accustomed to NOT payment my bills. They responded by providing the attached statements for both accounts. Neither of the statements show when a payment was actually due or the amount that is due. They do show when I made payments and how much was accepted and posted to interest. It also has a column for Late Charge paid, but no amount is ever listed in that column, even when payments were made. 

My argument is that the accounts have been in forbearance for pretty much the life of the loans, so any payments that I have made has been only when interest payments are arranged, which I get emails when payments are due and I pay them, as you will also see on the statements. There is no indication on the statements that payments were due in XX/XX/XXXX or XX/XX/XXXX. You will also see attached, a statement from XXXX notifying me that both loans was back in forbearance beginning on XX/XX/XXXX. When I submitted this to XXXX, they said that the payments were already scheduled for XX/XX/XXXX ( ahead? ), but I never received any notification of payment due in XX/XX/XXXX.

There are also other dates listed on the statements where there was no payments received that they have NOT reported late. Therefore, how does this prove that the late payments they are reporting are accurate? 

I am asking that the CFPB review the attached documents provided by XXXX and myself and help me to determine whether they have legitimate reason to report the late payments at all. Let alone 60 DAYS late! Come on!

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 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been corresponding back and forth with XXXX and now XXXX for the past year regarding the late payments they are reporting on my account with the credit reporting agencies ( Equifax, XXXX and XXXX XXXX ).

XXXX is reporting two 60 day late payments on two separate accounts! Not 30 days, but 60! I  have asked for explanation and proof that these payments were billed as payments due and not received. I am not accustomed to NOT payment my bills. They responded by providing the attached statements for both accounts. Neither of the statements show when a payment was actually due or the amount that is due. They do show when I made payments and how much was accepted and posted to interest. It also has a column for Late Charge paid, but no amount is ever listed in that column, even when payments were made. 

My argument is that the accounts have been in forbearance for pretty much the life of the loans, so any payments that I have made has been only when interest payments are arranged, which I get emails when payments are due and I pay them, as you will also see on the statements. There is no indication on the statements that payments were due in XX/XX/XXXX or XX/XX/XXXX. You will also see attached, a statement from XXXX notifying me that both loans was back in forbearance beginning on XX/XX/XXXX. When I submitted this to XXXX, they said that the payments were already scheduled for XX/XX/XXXX ( ahead? ), but I never received any notification of payment due in XX/XX/XXXX.

There are also other dates listed on the statements where there was no payments received that they have NOT reported late. Therefore, how does this prove that the late payments they are reporting are accurate? 

I am asking that the CFPB review the attached documents provided by XXXX and myself and help me to determine whether they have legitimate reason to report the late payments at all. Let alone 60 DAYS late! Come on!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been corresponding back and forth with XXXX and now XXXX  for the past year regarding the late payments they are reporting on my account with the credit reporting agencies ( XXXX, Experian and XXXX XXXX ).

XXXX is reporting two 60 day late payments on two separate accounts! Not 30 days, but 60! I have asked for explanation and proof that these payments were billed as payments due and not received. I am not accustomed to NOT payment my bills. They responded by providing the attached statements for both accounts. Neither of the statements show when a payment was actually due or the amount that is due. They do show when I made payments and how much was accepted and posted to interest. It also has a column for Late Charge paid, but no amount is ever listed in that column, even when payments were made. 

My argument is that the accounts have been in forbearance for pretty much the life of the loans, so any payments that I have made has been only when interest payments are arranged, which I get emails when payments are due and I pay them, as you will also see on the statements. There is no indication on the statements that payments were due in XX/XX/XXXX or XX/XX/XXXX. You will also see attached, a statement from XXXX notifying me that both loans was back in forbearance beginning on XX/XX/XXXX. When I submitted this to XXXX, they said that the payments were already scheduled for XX/XX/XXXX ( ahead? ), but I never received any notification of payment due in XX/XX/XXXX.

There are also other dates listed on the statements where there was no payments received that they have NOT reported late. Therefore, how does this prove that the late payments they are reporting are accurate? 

I am asking that the CFPB review the attached documents provided by XXXX and myself and help me to determine whether they have legitimate reason to report the late payments at all. Let alone 60 DAYS late! Come on!

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 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The amount is {$700.00}. I disputed this and The account was deleted and then sold to other company and no it has reappeared on my credit. I was not notified about this. Please delete. It was put on my credit on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants Acceptance Corp
State: ID

Complaint narrative:
Merchant acceptance is calling my employer, demanding my bank account number, and making threats to have my wages garnished over a debt that is not mine. I have talked to the company several times and they are making no effort in trying to help the situation or come up with a resolution. They call me on average 3-5 time daily. .. I've asked that they not phone me, and to contact me only by mail. That has not stopped the harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
keeps reporting information on a account that has been paid in full. Account needs to be closed paid in full removed from all credit bureaus and should not be reporting information without permission.

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 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
keeps reporting information on a account that has been paid in full. Account needs to be closed paid in full removed from all credit bureaus and should not be reporting information without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
keeps reporting information on a account that has been paid in full. Account needs to be closed paid in full removed from all credit bureaus and should not be reporting information without permission.

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 2018-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
The login process at Coinbase requires 2-step authentication. Unfortunately, I do not have my old phone number ( required to recover the account information ) any longer. The following step would be for me to verify my ID, which would enable me to recover access to my account ( that has {$7600.00} ). 

This all took place in XX/XX/XXXX. Since then I have talked to representatives from Coinbase that would work with me to verify my ID and recover my account, however I have been with no response since XX/XX/XXXX. 

Between XX/XX/XXXX and XX/XX/XXXX, I have called Coinbase 's customer support 3 times, and every time they have promised a response in 24 hours - which failed to happen every single instance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
After receiving a decent sized tax refund via direct deposit, I attempted to withdraw {$1000.00} to purchase an old car. The ATM declined the transaction due to a daily withdraw limit, so I called the bank 's hotline and asked if they could please let me have my money. They refused. I spoke to a supervisor, who also refused to let me have my money, and then lied and said I could get a cash-back transaction to get around the limit. I tried this solution, and it didn't work. 
I was finally able to get the cash out by very helpful staff at the local XXXX who used a few tricks to make a money order drawn off the debit card. 

The next week, the same thing happened again - and once again, they refused to allow me to access the cash via ATM. I went into the branch and asked them what on earth was going on. They gave me the cash at the teller window, and then told me that they weren't going to allow me to withdraw more than {$300.00} a day at the ATM no matter what my account balance was because of too many overdrafts the previous year. I'm not talking about allowing a cash withdraw when there is no money in the account, that's ridiculous. In this case, I had several thousand dollars in the account and the bank would not let me take out more than {$300.00}. This ISNT a credit card, it's my money, in my bank account. Wells Fargo NA is refusing to allow me to access my own money.

Note that I don't routinely withdraw {$1000.00} from my account multiple times in one year, this was a rare circumstance where we were helping two family  members purchase cars so they could get to work and we also had to put a down payment on a larger car for our own family because it was growing at the time.

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 2018-05-18 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: NJ

Complaint narrative:
XXXX XXXX  posted two negative accounts on my credit report for a student loan that I don't know anything about. The first time when their representative called me to pay XXXX for student Loan, she asked me for my birth date. I said I don't have any account with XXXX I never signed any application form for student loan with XXXX. Please, send me the application form that I signed for Student Loan with XXXX. 
The second time, I spoke with XXXX from XXXX. XXXX asked to send my signature to XXXX. I sent the color copy of the first page of my valid passport with my signature, the color copy of my social security Card with my signature and the copy of my driver license with my signature. 
After receiving those copies, XXXX told me they need a more recent copy. I said I do not have recent copy. 

Despite my effort, XXXX is keeping two negative accounts on my credit report. I think It is predatory to mess up the credit report of a customer without verification Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Green Square Company LLC.
State: OH

Complaint narrative:
On XX/XX/XXXX I received a voicemail from PRG regarding a civil matter and a claim in imminent default. Was unable to ascertain name of individual that left message. Phone number left was XXXX. 
I called number back and was told this was a debt from XX/XX/XXXX in the amount of ~ {$570.00}. I asked to receive some verification of the debt, and was told that PRG does not have this information. I was transferred to another representative, a XXXX XXXX the " Settlement director. '' XXXX seemed to be confused as to why I could possibly want the debt verified, and proceeded to verbally badger me about the " type of person '' I am, and that they do not have the information. 
I repeatedly asked to have some written verification of the debt, and was told flat out " no. '' I then told the representative that I did not want to be contacted anymore by them, and was told " no '' to this as well. 
I repeated that if they were not going to send me any kind of verification of the debt, that I did not want to be contacted by them again. I was told no, they will keep calling until they get their money. 
Very rude and seems super illegal. Isn't this what the fair debt collection act was supposed to help with? Just a simple XXXX search of " PRG Collection '' shows multiple complaints. Can something be done about these rude con artists?

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 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I had a debt with XXXX XXXX XXXX that was taken over by Collection Bureau of America. I was unaware of the debt and paid it immediatly upon learning of it from the Collection Bureau of America. This was in XX/XX/XXXX. 

As of XX/XX/XXXX, my debt was still showing open on my credit report, in turn hurting my credit rating and worthiness ( which is ridiculous for {$200.00} debt from 3 years ago ). I called and they said " oh thats a mistake, we will close it now and make sure it is removed ''. Well I find it abolsutely unacceptable that it took three years and me calling to report a paid off account as paid. This is literally people 's lives hanging in the balance. Whether it be for college, a home, a mode of transportation for work, credit worthiness has a direct impact on peoples lives and to make a " mistake '' over so many years that now will take more time to come off my credit is just WRONG. If collection agencies are given the right to have an impact on peoples credit score, they must be almost perfect and not make " mistakes '' that effect people so greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
Following my visit to XXXX XXXX Hospital in XXXX, GA on XX/XX/2017 for my son 's illness, XXXX charged for me HC ER Service Class III and filed 2 claims worth {$1200.00} and {$810.00} of which I was deemed responsible for {$750.00} and {$120.00} respectively by my insurance XXXX. 
Knowing it was no more than an urgent care visit and definitely not HC ER Service Class III, I requested for itemized bill several times to XXXX XXXX XXXX but I never received. 
I've also appealed to XXXX and while they are investigating, XXXX already sent these to 2 different collection agencies and they want me to pay the said amounts regardless of whether I actually received the services or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Received a notice from these crooks at Portfolio Recovery Associates. They said they "bought" a debt from XXXX {South Dakota} XXXX XXXX for $XXXX, Account number XXXX> First, I don't know what the hell they are talking about, Second, if this was a very old debt ,it was discharged many years ago in chapter XXXX   br. In any case, this is a group of crooks is working together to try to steal from a senior citizen. To Contact XXXX, call . XXXX XXXX XXXX. fot the Portfolio folks, call XXXX XXXX XXXX XXXX.Looking for some help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
i received a gift card from my father in law for {$100.00} issued on netspend visa card. i tried to activate the card online, however the website is always down and wont let you log in. always shows a error that the website is down and to try again later. i tried for over a week and always get the same message. called up and provided the information as requested and was informed that my card has been activated and can be used at any retail location. i have tried to use the credit/gift card on 5 separate occasions and at different locations and the card is always declined. i now have a {$100.00} gift card that can not be used and i feel that my father in law was cheated out of his money. i don't know what else to do and hope the the FTC can get my money back or at a minimum investigate the conduct of this company ( netspend ).

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 2018-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/XXXX received email from Lowe’s Synchrony Bank  stating my payment was late. I phoned them because I had made my recent payment in store. In the phone conversation it was discovered I had been told the wrong amount. I noted that my available balance was off and was told that my limit had been decreased. Prior to this confusion over the payment, my payment history with them has been excellent. The agent stated that they had pulled my report on XX/XX/XXXX of this year and based on that report they lowered my limit on XX/XX/XXXX The information was outdated and erroneous. The one reason given listed was present when I opened the card in XX/XX/XXXX. I disputed an unauthorized inquiry from Wal-Mart synchrony bank and feel this is tied to that.

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