vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
All actors have been fired, yet still, the agents and actors are attempting to extort monies and property from me. In addition, all alleged debts, have been on national level, released, see 2nd attachment, on page 2, A5 highlighted in red for easy detection, " XX/XX/XXXX, 2017 : XXXX/XXXX is accepted worldwide and new elections will be announced replacing the removed dark ones with the introduction of Common Law in governments and courts everywhere. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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: AmeriCollect
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, You have listed my personal information incorrectly, I expect this situation to be corrected immediately or I will be reporting you as messing up my personal information for personal gain. You have several things on my credit report that should not be there and without any confirmation of a signed contract from these companies I know for a fact it is illegal for you to list any company with my personal information regarding fraudulent information on my report. I had to file several police reports regarding all of this. My personal information was stolen and used several times which created a nightmare for me, I will not be harassed or treated this way by either you or any other company that deems this ok to use my report for personal gain in anyway whatsoever. XXXX XX/XX/XXXX I never opened this account inXX/XX/XXXX Pls. send the signed contract with my name or  it or -- -Pls. remove this IMMEDIATELY Amerillect XX/XX/XXXX- who is this?? No address, No contract, No signature, again- Pls. remove this IMMEDIATELY XXXX XX/XX/XXXX Who is this?? XXXX if you dont have a contract for them either then, Pls. remove this IMMEDIATELY Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Consumer Affairs pls. looking to this information since XXXX seems to think it is ok to put peoples personal information on their site without any proof of records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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: NJ

Complaint narrative:
XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax, You have listed my personal information incorrectly, I expect this situation to be corrected immediately or I will be reporting you as messing up my personal information for personal gain. You have several things on my credit report that should not be there and without any confirmation of a signed contract from these companies I know for a fact it is illegal for you to list any company with my personal information regarding fraudulent information on my report. I had to file several police reports regarding all of this. My personal information was stolen and used several times which created a nightmare for me, I will not be harassed or treated this way by either you or any other company that deems this ok to use my report for personal gain in anyway whatsoever. XXXX XXXX I never opened this account in XX/XX/XXXX Pls. send the signed contract with my name or it or -- -Pls. remove this IMMEDIATELY XXXX XXXX who is this?? No address, No contract, No signature, again- Pls. remove this IMMEDIATELY XXXX XXXX Who is this?? Equifax if you dont have a contract for them either then, Pls. remove this IMMEDIATELY Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXXXXXXXXXX Consumer Affairs pls. looking to this information since Equifax seems to think it is ok to put peoples personal information on their site without any proof of records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The complaint is against WELLS FARGO We are complaining about FORCED INSURANCE at an absolute ridiculous rate when we had already paid for it.   Are there class action suits? Lawyers? Anything? They have had our PROOF for 2 years AND again since  XXXX   2017  and again they say we have not given them what they need.   They are lying.   They are ruining our lives!!!! What are we to do? They should NOT be allowed to operate like this.

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 2017-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
XXXX/XXXX/XXXX : I opened a Citi Account Package to take advantage of the {$300.00} promotional bonus being advertised at that time. XXXX/XXXX/XXXX : I met the requirements to qualify for the promotional bonus XXXX/XXXX/XXXX : At least 90 calendar days after I completed all the requirements of the promotional bonus, the amount of time stated in the fine print for the bonus to be posted to my account XXXX : Various email message asking about bonus ( I checked off to save all my messages but some of the messages failed to save to my Citibank inbox ). I followed up regarding the bonus promotion and was first told that I did not have a promotional code. When I stated that I signed up within the time frame that the promotion was on and that I saved a copy of the advertisement, Citibank changed its determination and said I did qualify for the promotion. I was then asked to mail in a XXXX ( which was not at all disclosed until after I had to follow up with Citibank ). At that time, another customer who took advantage of this promotion informed me that he received the bonus without needing to submit a XXXX. I tried to ask Citibank why the process was different for each customer, but they only told me that I was required to submit a XXXX. I complied and sent the XXXX towards the end of XXXX. I then followed up again to see if Citibank received my XXXX via chat message. The agent told me that my XXXX was rejected because I did n't include my account number on there ( there was no instructions to include the account number from Citibank and the XXXX itself lists it as optional information ). I do n't understand why it was rejected when the information on the XXXX is close enough for Citibank to determine which account it should apply to ( eg. SSN, name, address matches what Citibank has on file for the ONE bank account I have with them ). XXXX/XXXX/XXXX : Sent revised XXXX with correct information, was told that I would receive an email message from Citibank to follow up on the XXXX by XXXX XXXX. Received no such email. <P/>As has occurred every single time, I had to initiate follow-up with Citibank. Citibank has not attended to this matter at all except to respond to my emails stating that another step had to be taken on my part. They were also inconsistent with their information, telling me that I did n't apply and then I did apply, making me call in to ask what to put on the XXXX and misinforming me so I made them tell me in writing. I have done everything on my end to fulfill the bonus requirements, yet Citibank continues to prolong this and not award me the proper bonus.

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 2017-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
On XX/XX/XXXX I received a request from Capital One credit card to fax my social security card because my account had invalid information. From XX/XX/XXXX to XX/XX/XXXX, I have faxed my social security card to several different fax numbers, supposedly at Capital One, and as of XX/XX/XXXX, was asked again to FAX the information to them as their file had Invalid Information ( whatever that means ). I advised each caller, and there were many since XX/XX/XXXX, that Faxing my social security card was not safe but I did fax it a total of 5 TIMES TO THEM. I have requested a final statement from them and to cancel my credit card with them effective XX/XX/XXXX and that I was reporting them for bad business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I recently moved to the state of XXXX from XXXX. During the planning phase of my move I researched banks and found that Chase was quite appealing due to the {$200.00} offer for new members when signing up for checking and having a direct deposit. On XX/XX/XXXX I received and email from chase with my coupon code for the {$200.00}, I stopped into the XXXX, XXXX branch and met with XXXX XXXX XXXX ( Private Client Banker ). I provided XXXX with all my information, including my coupon code ... During our meeting XXXX was preoccupied by multiple phone calls and being called out of the office twice ... I singed my final papers prior to leaving, gave {$50.00} cash for my initial deposit and asked when I could expect the {$200.00}, she mentioned as soon as my first direct deposit posts, 10 days after. A week went by, my direct deposit posted, I called XXXX and asked when to expect the {$200.00}, she said within a week.. a week went by and nothing, I called again, XXXX said another week .... By this time I have three weeks invested and no {$200.00} as promised. I called XXXX again, she now changed her story to say I never provided her a coupon code and she would have to investigate!!! I called Chase customer service who opened a ticket. On XXXX XXXX called me and said that due to the time that has passed since I opened my account, she could not honor the {$200.00}, I mentioned that I had called her every week and requested an update, she said there is nothing she can do. Customer support called me on XXXX and mentioned that they could not help as this is a local branch dealing ... Long story short, XXXX did NOT enter the coupon code I brought with, I fulfilled every obligation listed in the fine print to recive the promotional {$200.00}, due to her negligence, I did not receive what was promised to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-04 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: MN

Complaint narrative:
In XX/XX/XXXX 2016 XXXX XXXX closed all my checking and savings accounts and credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts, security freezes on each of my credit reports : XXXX, XXXX and Experian. <P/>I have called each credit bureau, submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report. I get no response other than new credit reports sent in the mail. <P/>Requested Action : Please contact each of the credit bureaus to remove ALL fraud alerts and security freeze notices so that my XXXX XXXX can get credit information for my ready reserve applications. My XXXX XXXX has applied five times and can not get credit information to approve my application for new reserve 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 non-monetary relief
Consumer complaint received 2017-07-04 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: MN

Complaint narrative:
In XXXX 2016, XXXX XXXX closed all my checking and savings accounts and my credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts and security freezes on each of my credit reports : XXXX, XXXX and experion. <P/>I have called each credit bureau and submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report. I get no response other than new credit reports sent in the mail. <P/>Requested Action. <P/>Please contact each of the credit bureaus to remove ALL fraud alerts and security freezes so that my XXXX XXXX can get information for my ready reserve applications. My XXXX XXXX has applies five times and can not get credit information to approve my application for new reserve 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 non-monetary relief
Consumer complaint received 2017-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: PA

Complaint narrative:
This is now my FOURTH complaint regarding ELAN. First, the account was believed to have been applied for fraudulently and an identity theft complaint was filed. Second, there was no recollection of the account at all - resolved in that it was previously under another name ( XXXX ). Third complaint was that I never had possession of actual credit cards to be used for purchases. The response to this was that there were purchases made in my name. I do n't know how else to get through to ELAN that I have never been to any of the places where airline tickets were purchased for etc. I DID NOT make these charges. The statements that they sent also show payments which I also DID NOT make. To complicate matters, they have assigned an investigator at ELAN who I can NEVER get a hold of. These are n't my charges, payments or account after the initial charges only to XXXX XXXX XXXX prior to XXXX. I am livid that I ca n't explain to a person what I have described above. US Bank is just using big bank tactics to harm me and my credit. And in doing so is costing me more money and more time. I do n't know what to do to get this off of my credit report. Perhaps I should do a press release about US BANK. That probably would n't get through to them 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 2017-07-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
A personal representative from that company visited my shop and offer a services of credit card processing machine. These company offer something that ca n't give to the customer machine arrive to the shop to be install and nobody when to the shop not technical support and I called the branch in XXXX and they said please return the machine and I did it also they try 3 times to get money from my bank account when I already return the machine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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: MN

Complaint narrative:
In XXXX 2016 XXXX XXXX closed all my checking and savings accounts and credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts, security freezes on each of my credit reports : TransUnion, XXXX and XXXX. <P/>I have called each credit bureau, submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report. I get no response other than new credit reports sent in the mail. <P/>Requested Action : Please contact each of the credit bureaus to remove ALL fraud alerts and security freeze notices so that my XXXX XXXX can get credit information for my ready reserve applications. My XXXX XXXX has applied five times and can not get credit information to approve my application for new reserve 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 2017-07-04 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: MN

Complaint narrative:
In XXXX 2016 XXXX XXXX closed all my checking and savings accounts and credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts, security freezes on each of my credit reports : XXXX, Equifax and XXXX.
<P/>
I have called each credit bureau, submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report. I get no response other than new credit reports sent in the mail.
<P/>
Requested Action : Please contact each of the credit bureaus to remove ALL fraud alerts and security freeze notices so that my XXXX XXXX can get credit information for my ready reserve applications. My XXXX XXXX has applied five times and can not get credit information to approve my application for new reserve accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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: MN

Complaint narrative:
In XXXX 2016, XXXX XXXX closed all my checking and savings accounts and my credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts and security freezes on each of my credit reports : transunion, XXXX and XXXX.
<P/>
I have called each credit bureau and submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report.
I get no response other than new credit reports sent in the mail.
<P/>
Requested Action.
<P/>
Please contact each of the credit bureaus to remove ALL fraud alerts and security freezes so that my XXXX XXXX  can get information for my ready reserve applications.
My XXXX XXXX  has applies five times and can not get credit information to approve my application for new reserve 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 2017-07-04 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: MN

Complaint narrative:
In XXXX 2016, XXXX XXXX closed all my checking and savings accounts and my credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts and security freezes on each of my credit reports : XXXX, equifax and XXXX.
<P/>
I have called each credit bureau and submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report.
I get no response other than new credit reports sent in the mail.
<P/>
Requested Action.
<P/>
Please contact each of the credit bureaus to remove ALL fraud alerts and security freezes so that my XXXX XXXX can get information for my ready reserve applications.
My XXXX XXXX has applies five times and can not get credit information to approve my application for new reserve accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
OnXX/XX/XXXXI tried to submit a dispute on line with Equifax. I 'm unable to answer the security questions due to fraud purchases made by person/persons unknown. I do not have a retail card from XXXX. I do not have a bank card from XXXX. I filed bankruptcy in XXXX, the case number is XXXX. It was filed in XXXX Tennessee Western District. I do not have a XXXX car. I do n't have an income to pay a loan or to lease a car. The last car I had was paid for in XXXX. The car was a XXXX XXXX XXXX. The vin number on that car was XXXX, the plate number was XXXX. The title was XXXX. I 've reported theft of my drivers license to the Department of Motor Vehicle in the State of Tennessee. No-one will do anything here & this city wonder why crime is so high. No-one wants to do their jobs. Yet everyone wants to get paid. I 've told the courts that XXXX XXXX XXXX is posing as a paralegal. She 's deleting my history. The FBI told me this is an inside job, not only is The XXXX is responsible. My former employer XXXX XXXX XXXX XXXX have my identification. XXXX XXXX once lived with my late father. She 's stealing my mail through the United States Postal Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear Sir/Madam, Because Chase did n't answer all my questions in my complain number XXXX. I would like to file a complain again.
Chase especially did n't answer that question how someone else could link their XXXX accounts to my checking and saving without any verification from Chase, as I mentioned in my complain XXXX, Chase even did n't do a basic check such as if name matches. I would like to see the document I signed that authorizes this kind of behavior.
Chase is notorious with data protection of their clients, and when issue happens, they seemed not willing to to help clients to solve the problem and just want to protect them self. I would like to ask CFPB to take a further look of Chase 's practice in this area.
Thanks, XXXX

Company response to consumer: Closed with explanation