vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am XXXX, I am XXXX years old, my name is XXXX XXXX XXXX, I have received by e-mail messages from wells fargo bank, about amounts deposited in my account, and credit card, the fact is that I do not have wells fargo account, never I used the wells fargo card, following the email received confirming that my wells fargo card will arrive. check it out, the links refer to the wells fargo page, it's not a fake page, someone opened an account on my behalf.

LOOK AT THE MESSAGE I RECEIVED, I ALREADY RECEIVED OTHERS SAYING I HAVE DEPOSITED VALUES IN MY ACCOUNT. 

Wells Fargo XXXX Your card will expire soon We are writing to remind you that your Wells Fargo Debit Card ending in XXXX will expire soon. 
Please check your address We will mail you a new card before your current card expires. Please sign on to view the mailing address.

You will receive another email once your card has shipped.

Your new card will retain the same card number and Personal Identification Number ( PIN ) as your current card.

Customize your card now Personalize your card before it ships by uploading a favorite photo1, business logo, or by selecting an image from our online library within the next 7 days. Eligible cards  can be easily customized by signing on to the XXXX XXXX XXXX. 
If you have any questions, please call XXXX ( XXXX ) or sign on to send a secure email. Phone Bankers are available 24 hours a day, 7 days a week.

Thank you for choosing Wells Fargo. We appreciate your business.

Sincerely, Wells Fargo Debit and Prepaid Cards wellsfargo.com | Fraud Information Center Please do not reply to this email directly. To ensure a prompt and secure response, sign on to email us. 1Wells Fargo reserves the right to accept or reject any artwork, images, or logos. For example, any third-party trademarks, copyrighted materials, or name, image, and likeness of any public figures, will not be approved. 
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 2018-05-17 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: VA

Complaint narrative:
PRA did not adhere to the fair credit reporting act and the fdcpa. t pra did not stop collections when i disputed the account within 30 days of communication. They also placed the account on my credit shortly after. I asked for a complete history of the account. They only provided 3 months, this was incorrect so i asked for the complete payment history because they are collecting on the entire account not 3 months of it. This company is a fraud to the consumers. they pay pennies on the dollar and use slippery practices to bypass the law. They are a disgrace. this should have not been on my credit report at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I have sent several certified letters, have tried to place calls and no one will return any information.The company has continued to call and threaten me as well as to me letters threatening to sue me. However they will not provide the proof that they said it was mine no paperwork showing my signature. XXXX XXXX XXXX has used illegal threat tactics in order to scare consumers into paying. Letter recieved on XX/XX/XXXX. Sent letter on XX/XX/XXXX no response after that. Sent a certified letter XX/XX/XXXX and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2018, I submitted a complaint on Equifax to remove specific accounts that do not belong to me. I submitted a police report and FTC report and a letter disputing these fraudulent accounts. In a response from Equifax, dated XX/XX/2018, I was told the " disputed accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX are currently not reporting on the Equifax credit file. The additional disputed items are currently not reporting on the Equifax credit file. '' However, I reviewed my credit profile and the accounts remain on my credit profile. I called Equifax to figure what the issue is and was told these accounts are now verified. I asked to speak with someone who monitors their CFPB responses but was told this department does not exist. I was transferred to the fraud department to report these same accounts. The person explained the accounts were again verified electronically by the furnishers. I recorded the conversation concerning the way disputes are conducted in which I was told the investigation were conducted electronically. Furthermore, it was explained that unless the company returns a request for deletion, the account will remain on my credit report. A complete investigation is suppose to be conducted and in my case as well as all others subjected to Equifax method of verifying accounts is not happening. This is just unacceptable!! Unfortunately, the file is to large to place on the complaint However I will condense for an additional complaint if one is needed. Furthermore it is unacceptable that a response from Equifax to the me and the bureau which governs their methods, would be fabricated. These accounts are still on my credit profile, please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I am paying Navient every month for mt student loans and, over the years, I've been experiencing a number of problems with them. The most prominent has been their customer service. They offer the opportunity to set up automatic payments online, but the system never worked. So, every couple of months, my account would go " delinquent '' and they would harass me with automated messages on a daily basis until my account was paid. I had to reach out to them by other means THREE DIFFERENT TIMES explaining that the problem was with their automated system. I would even review my account online before calling to ensure that my automatic payments were established, only to find out over the phone that my automatic payments were NOT established. I am hurt that this could have made impacts to my credit score over the years that I may not be aware of.

The next problem I have with Navient is that they are playing around with the interest rate percentages on my loans and also changing the amount owed from some of them. I had one Stafford Subsidized loan sitting at 2.500 % interest and less {$900.00} left to pay suddenly change in the last month or so to 3.280 % interest and OVER {$900.00} remaining. I am currently taking monthly screenshots of my account and can have more information in another couple of weeks. I am pressing this review because I just learned today that I can submit a complaint through the CFPB and will be submitting a duplicate for Navient 's federal loans too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: Synovus Bank
State: TX

Complaint narrative:
I have tried on numerous occasions with XXXX XXXX to get this fraudulent account that's reporting {$170.00} from 2014 on my credit, tarnishing my name and misrepresenting myself as a consumer in society. I've been told numerous times that the item should be removed within 30 days in the last 6 months and it still resides on my XXXX credit report. This account was never opened by me and does not belong to me. I am a XXXX XXXX veteran and can not live my life the best I can with this item hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I asked that my fraud alert be removed as it has prevented me from using my personal credit in both a personal and business transaction, yet to no avail.

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 2018-05-17 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 asked that my fraud alert be removed as it has prevented me from using my personal credit in both a personal and business transaction, yet to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX  in behalf of my husband who authorized me to speak to the creditor regarding an old debt. XXXX XXXX XXXX stated that they have sold the debt to keynote consulting and so I was transferred to keynote consulting and started working with a guy named XXXX. I requested XXXX for a validation of debt because there is a discrepancy between the amount XXXX XXXX XXXX charged off and also the amount the debt collector has on file. The difference is about 1k, XXXX XXXX XXXX charged off at the debt at $ 2600+ and keynote is collection at $ 3600+. XXXX stated that he does not have to provide me anything and so I negotiated a possible settlement not knowing what my rights are. In the next few days, I did my research and realized that I have the right to request a validation of debt. I called XXXX XXXX XXXX to request this and they responded by saying that only Keynote can provide this so I called keynote back today, XX/XX/XXXX and told XXXX that I am still working on the settlement amount but that I am requesting a validation of debt in writing for our records. XXXX states " your rights to request that has passed and I am declining to provide this to you ''. He repeatedly told me that he is not providing me anything and that if he does provide me anything then my husband and I will have to pay the full amount which is fine but I told XXXX I still want the verification of debt to which he replied " No, I am declining that and I am not required to provide you anything ''. I then told XXXX that I will consult n attorney regarding his decline to provide us with a proof of debt and he said " since you said the word attorney I no longe have to speak to you '' and he disconnected the call. My husband has no recollection of this debt and that is why we are asking for the verification of debt. We never received anything from keynote and the amount difference between what XXXX XXXX XXXX charged off and what keynote consulting is collecting is questionable so we were requesting a breakdown of that difference to which Keynote declined to provide. XXXX from keynote consulting said " if you didm't have a lawyer then you would need one now because you said the word attorney and we are now refusing to speak to you about this matter ''. I never told XXXX we hired an attorney, I told him we will consult one and now he is refusing to speak to us about my husband 's debt and only wants to speak to an attorney.

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 2018-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: MD

Complaint narrative:
ACS has changed names/ownership with no notification. Now I can not log in to the new company to pay my bill.

ACS was acquired/merged with Conduent, and now I cant log on to pay my student loans. I have been paying on time since I started in 2014. I tried logging in to pay, and it kept saying the action was unavailable at the time. When I tried contacting them via the Contact Us form, it requested my SSN and then said I did not have an account with them. When I tried to register again, it said I DID have an account! I live abroad, so I cant be wasting additional money trying to call and being placed on hold for a ridiculous amount of time.

These are the issues that I am having!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: TX

Complaint narrative:
I have tried on numerous occasions with XXXX XXXX to get this fraudulent account that's reporting {$170.00} from 2014 on my credit, tarnishing my name and misrepresenting myself as a consumer in society. I've been told numerous times that the item should be removed within 30 days in the last 6 months and it still resides on my XXXX credit report. This account was never opened by me and does not belong to me. I am a XXXX XXXX veteran and can not live my life the best I can with this item hurting my credit.

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 2018-05-17 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have already contacted Wells Fargo and XXXX XXXX a number of times about this they successfully removed the accounts but did not remove the negative information reported about the accounts I have called many times they said the removed it its been well over 4 weeks and they have still not removed this negative information I have uploaded a photo of the negative information and also I have uploaded the previous account that was removed but the negative information is still listed about the account. The pictures I have added are the account numbers that were removed the section I am referring to is listed under ( information reported about closed bank accounts )

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 2018-05-17 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: TX

Complaint narrative:
4 years ago I had the XXXX XXXX account removed from my credit report. Somehow it keeps popping back up on my Transunion. I have tried numerous times getting the item taken back off but Transunion will not help me with this issue, or at least the person who was handling my case. I am a XXXX XXXX veteran and can't get the XXXX approval for modification of my home until this item is removed again.

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 2018-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Worldwide Processing Group, LLC
State: VT

Complaint narrative:
I keep getting phone calls, 3 per day, from what appears to be a local phone number. However, when they leave a message it is a computer voice saying they are trying to locate me and if I don't call they back they will contact all references on file. They leave the call back number XXXX. The call reps answering the phone at that number are rude, threatening and refuse to stop calling. Apparently there is some " debt '' I owe that they are trying to track down. I recently bought a house and the bank thoroughly checked my credit. I do NOT owe any money. I need these harassing phone calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
On XX/XX/XXXX I tried to schedule a payment with Freedom Mortgage Company in the amount of XXXX the amount of my current mortgage payment. I TRIED to make the payment by XX/XX/XXXX payment options that were available each payment option told me I was not able to make the payment because I did not make the payment in full ( including late fees ) I was told by multiple supervisors that the late payments could be done at any time and was not required to be made at time of monthly payment. I feel discriminated against because I had financial difficulties in the past and I am now trying to get my finances in order however Freedom Mortgage Company 's payment system is basically designed to not allow you to make your current mortgage payment ... it makes you pay the entire amount in full when it States you can make your monthly mortgage payment free of charge however the system only allows you to take advantage of the free options ... if you don't have any past due balances ... this disclaimer is not stated on any documents. For people who get paid on the XX/XX/XXXX and it clearly states I have until the XX/XX/XXXX to make my payment they allow no free options like they do for regular customers this is very deceptive practices. There is no time to mail a payment so the only option there is ... make a payment over the phone with a representative ... so because I had financial difficulties in the past ... Im being punished with a XXXX fee each month because I have no other options available to me to make my mortgage payment free of charge. I can't help when an employer decides to pay its employees and I shouldn't be penalized either.

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 2018-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
NOTE YOU REPLIED THAT XXXX XXXX NEED MY AUTHORIZATION I GIVE PERMISSION TO REPLY TO MY CONCERNS XXXX XXXX XXXX XXXX XXXX XXXX XXXX YOUR COMPLAINT Open account with ( WELLS FARGO ) XXXX XXXX FUNDED Account with Legal Tender FINANCIAL INSTRUMENTS # XXXX AND account FEDERAL RESERVE BANK XXXX CHECK FROM ACCOUNT XXXX ACCOUNT WAS OPENED WITH UNLIMITED PREPAID FUNDING FROM FEDERAL RESERVE BANK XXXX WHICH WAS ESTABLISHED WHEN I WAS BORN ON XX/XX/XXXX WHEN MY MOTHER SIGNED ME OVER TO THE FEDERAL GOVERNMENT WHICH IS NO LONGER IS MY EXECUTORS OR ADMINISTRATORS I AM THE SOLE BENEFICIARY OF MY FEDERAL RESERVE ACCOUNTS XXXX AND XXXX FEDERAL RESERVE BANK XXXX NO XXXX HAS ANYMORE POWER OF MY UTILITY STRAW MAN THAT WAS CREATED AFTER CERTIFICATE OF LIVE BIRTH CREATED BY THE XXXX XXXX! XXXX order by my Father XXXX  TO OPEN MY ACCOUNTS WHEN I GOT ACTIVATED 2 YEARS AGO AND THREW ME FOUNDING OUT ALL THIS INFORMATION OUT NOW HERE COMES ALL THESE WITCHES CULTS AND SECRET SOCIETIES AFTER MY XXXX   SENDING NEGATIVE VIBRATIONS AND PUTTING SPELLS ON MY FINANCIAL INSTRUMENTS # XXXX ALL I DID REPENTED AND TURN TO MY CREATOR # Amen who is my Father in Heaven the one who sent me to save humanity and told me if your doing right then continue to do my Father Will to Promote my XXXX with Love, Peace and Prosperity I ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) THE ONLY THING I DID BUSINESS WITH ALL THESE BANKS AND AGAIN IF I DID ANYTHING WRONG THEN I SHOULD BE PROSECUTED TO THE FULLEST EXTENT OF MAN LAW RIGHT? SO I GIVE AUTHORIZED REPS FROM WELL FARGO TO ANSWER THIS MATTER TO THE LIVING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WILL NOT BE TREATED LIKE THIS BY MY BIRTHRIGHT I AM GIA MOTHER EARTH TRUTHFUL RULER ... AND THE PEOPLE WILL SAY AMEN

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 2018-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Creditor Name AD ASTRA REC Original Creditor 12 XXXX XXXX 83 Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capitol one is blocking me from enabling external applications!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XX/XX/2018, I contacted the credit card company American Express to complain about a payment of XXXX had been sent to the wrong location. The credit card company told me that they could not cancel the payment I would have to contact the bank. The bank ( XXXX XXXX ) refused to cancel the payment. I even went to two branches in my local area and they still refused to do anything to assist with the situation. American Express even deducted funds from the payment of XXXX that they were not supposed to have received. I contacted American Express XX/XX/2018, and I was advised by ( XXXX ) that a check would be mailed next business day. American Express still has not processed the check and are still deducting funds from the payment they were not supposed to receive despite the fact that I have complained several times about the situation. 




P.S. I have also had an issue with American Express accepting payments but not updating credit balance.

Company response to consumer: Closed with monetary relief