vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I noticed two fraudulent charges to my checking account, one for {$18.00} at a XXXX in XXXX, GA, and one for {$1000.00} at a XXXX XXXX XXXX XXXX in XXXX, GA. I still have my debit card associated with this account. I reported the fraudulent charges the evening of XX/XX/XXXX, my bank cancelled the card, and mailed me a new one. The bank stated nothing could be done until the charges posted to my account, and I should call the businesses to see if there was anything they could do in the meantime. The following morning of XX/XX/XXXX, I called XXXX and was told there was nothing they could do. I called XXXX 's XXXX XXXX and spoke to a manager named XXXX, he stated he was the one who ran the transaction the previous day. He stated the guy had a physical card with my card number and expiration date on it, a different name and CVV code, and a driver 's license that matched the name on the debit card. He also stated the card was run as a credit card, the guy signed for it, and the name listed on the receipt was the same as the name on the card and driver 's license. I informed my bank of the information. The charges did not post to my account until the morning of XX/XX/XXXX, at which time I called my bank and an official claim was started. I was advised that the process could take up to 10 business days. After 9 business days I had not heard anything so I contacted my bank on the evening of XX/XX/XXXX. They stated, " I have reviewed your account and our records show that your claim in the amount of {$1000.00} & {$18.00} has been reviewed and resolved. Our records show that the claim was unsuccessful because there was no indication of fraudulent activity with the transaction. '' My bank was closed the following day for XX/XX/XXXX. The morning of XX/XX/XXXX I made contact with a social media representative, XXXX, of my bank. She asked for me to direct message her my phone number and she would be in touch with me. The morning of XX/XX/XXXX I received a call from XXXX, she transferred me to the fraud claims department at my bank. After telling them again I did not make the two fraudulent charges, they reopened the claim for further investigation. I was told the process could take another 10 business days. I filed a police report in XXXX County ( the area in which the fraudulent charges took place ) with the above information. I then filed a police report in XXXX XXXX County ( the area in which I reside ) with the above information including the case number of the other police report. I went to my nearest bank branch and asked them attach the two police reports to my claim. I have yet to hear anything from my bank concerning a resolution or any actions taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A few months ago my parents received phone calls on their personal cell homes and home landline from Wells Fargo Dealer Services. Voicemails were left at the time asking them to be called back. My dad returned the call think it was regarding a student loan he had cosigned on with me through Wells Fargo and when he found out it was about a car loan he told them they should contact me and not him as he did n't have anything to do with this and was n't authorized to talk about that account. They then placed calls to my mom 's cell and left a message and my parents landline. I called them back and asked why they were calling those phone numbers when I had never given them those phone numbers, nor authorized them to call those numbers and leave voicemails. They said they had no idea how those calls went out because they did n't have the numbers anywhere on file and should n't be calling those numbers. I told them I was extremely frusterated by this because it caused my parents unnecessary stress and concern. I asked where they acquired the numbers since they did n't have them on file and the associate kept saying he did n't know and they were n't listed anywhere on my file. He said he would make a note that they did n't call those numbers again. I asked that if they wanted to talk about money I owe they call me only and/or mail me something telling me to contact them. Today ( X/X/17 ) my dad recieved a call from XXXX ( XXXX ) XXXX and when he answered they asked for me and he said they had the wrong number and he hung up. They called him at XXXX. A few seconds later the number called my cell. I was n't able to answer as I am at the hospital. <P/>I am upset that Wells Fargo continues to harass my parents in an attempt to reach me when I have asked them not to. Also, that they continue to call phone numbers that they claim to have no knowledge of having or using.

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 2017-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In  XXXX  of  XXXX , we were made aware of an outstanding ( prior to  XXXX  ) debt with Wells Fargo while applying for a home mortgage. Despite the age of the debt, we paid the outstanding balance so we could move forward with our loan ( oddly enough, with Wells Fargo  ) . On  XXXX / XXXX / XXXX , we received verification that the loan had been satisfied from  XXXX   XXXX   XXXX . This was then forwarded to   XXXX    XXXX  on  XXXX / XXXX / XXXX . Since  XXXX / XXXX / XXXX , we 've received threatening calls from no less than 6 different companies, threatening to sue us, come to our places of business and at one point, our employer was contacted.   Today, we received a call from  XXXX   XXXX  at  XXXX   XXXX . She left a message that we were being served legal papers at our place of employment. Provided a file number and a call back number.   We returned the call and spoke with  XXXX   XXXX , in " arbitration ''. She claimed to have a " junket ''. She confirmed the account number with Wells Fargo that has been in question since  XXXX  of  XXXX . My husband ( whose name was on the account ), stated that we would appreciate being served these " papers '' so we could respond appropriately. He also let  XXXX  know that this has been sold repeatedly and we would appreciate no more phone calls.   My husband has contacted Wells Fargo and they 've confirmed that this is no longer an active account number.  <P/> Please assist us with getting this handled. This is beyond harassment as we are both getting calls and now employers are being contacted. Despite proving evidence of our payment to several "  collectors  '', this debit continues to be re-sold.

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 2017-07-06 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: TN

Complaint narrative:
I have unauthorized credit inquiries on my Equifax report. These inquiries were not authorized by me and I do not have any accounts attached to these companies. These fradulent inquiries are affecting me tremendously in my journey to improve my credit for me and my kids. They are the following : 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 XXXXXXXX  XXXX/XXXX/XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Upon discovering this debt on my credit report, I disputed through each of the credit bureaus multiple times. It had only been removed from XXXX through that method so I then made direct contact with Portfolio Recovery by letter to dispute the debt. I have asked for validation of the account and each time I have received nothing back but a statement of charges. This does not validate the debt as mine. I also have never entered into any kind of contract with Portfolio Recovery and am not obligated to pay them. On XX/XX/XXXX I submitted a letter to Portfolio 's Dispute Department via email to XXXXXXXXXXXX. I asked them to provide me with any and everything that would prove that the debt is mine, including a copy of the written agreement that created my original requirement to pay. <P/>I later received a letter dated XX/XX/XXXX stating that " PRA, LLC has obtained and reviewed the attached documents related to this account, which establish its validity. '' The only documents attached were copies of some account statements showing the charges. There was nothing indicating that the debt was indeed mine. <P/>I disputed the account directly again on XX/XX/XXXX. <P/>On XX/XX/XXXX I received the same exact letter and statements as I did after the last dispute. Again, nothing validating the debt as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a dispute via certified mail on XXXX XXXX 2017 to all 3 credit bureaus : XXXX, Experian, and XXXX. I disputed two accounts, XXXX XXXX and XXXX XXXX, stating I was no longer liable and requested they be removed from all three credit bureaus. I received notification from XXXX stating the accounts in questions were deleted from my credit file. I have also received notice back from XXXX were they are stated the information was verified, but not validated. I have not received any proof of the verification or validation regarding these disputes from XXXX  I have not received anything from Experian regarding this dispute and it has been over 30 days. I contacted Experian about the disputes and the rep stated she did not see where it had been submitted and for me to do it online or mail it in. I advised the rep that I had also faxed information, but she stated she did not see that information and maybe I needed to upload it. I have copies of all the disputes that were sent to all 3 bureaus and a copy of the certified receipts and the results from XXXX stating that these accounts were removed and deleted.

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 2017-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have contacted the credit card company on several occasions. On XXXX XXXX, I submitted for the 3rd time my fraud information showing identity theft. I submitted a identity theft report, drivers licence, social security card, police report, and address verification. I have sent letters requesting information on the account. I never receive documents in the mail. I have had to call over and over. The last time I called in XXXX I was informed that they were not going to close the accounts as identity theft because the thief tried to keep the accounts open. No payments were made. I once again stated that I am not the one who opened the account nor do our names match. Now there are several accounts. 2 from XXXX and one from XXXX XXXX that were opened using a fraudulent name. And even after providing all documentation the company has never responded to me in writing nor fixed the problem. I also disputed the accounts with the credit bureaus only to receive the response that the credit card company needed me to reach out to them because they were unaware of the fraud even though it has been documented for months! <P/>I am attaching all documentation that was sent and verified as received by the company yet they refuse to act on 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 non-monetary relief
Consumer complaint received 2017-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have contacted the credit card company on several occasions. On XXXX XXXX, I submitted for the 3rd time  my fraud information showing identity theft. I submitted a identity theft report, drivers licence, social security card, police report, and address verification. I have sent letters requesting information on the account. I never receive documents in the mail. I have had to call over and over. The last time I called in XXXX I was informed that they were not going to close the accounts as identity theft because the thief tried to keep the accounts open. No payments were made. I once again stated that I am not the one who opened the account nor do our names match. Now there are several accounts. 2 from XXXX and one from XXXX XXXX that were opened using a fraudulent name. And even after providing all documentation the company has never responded to me in writing nor fixed the problem. I also disputed the accounts with the credit bureaus only to receive the response that the credit card company needed me to reach out to them because they were unaware of the fraud even though it has been documented for months! <P/>I am attaching all documentation that was sent and verified as received by the company yet they refuse to act on this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: MD

Complaint narrative:
I have contacted the credit card company on several occasions. On XXXX XXXX, I submitted for the 3rd time my fraud information showing identity theft. I submitted a identity theft report, drivers licence, social security card, police report, and address verification. I have sent letters requesting information on the account. I never receive documents in the mail. I have had to call over and over. The last time I called in XXXX I was informed that they were not going to close the accounts as identity theft because the thief tried to keep the accounts open. No payments were made. I once again stated that I am not the one who opened the account nor do our names match. Now there are several accounts. 2 from XXXX and one from XXXX XXXX that were opened using a fraudulent name. And even after providing all documentation the company has never responded to me in writing nor fixed the problem. I also disputed the accounts with the credit bureaus only to receive the response that the credit card company needed me to reach out to them because they were unaware of the fraud even though it has been documented for months! <P/>I am attaching all documentation that was sent and verified as received by the company yet they refuse to act on 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 non-monetary relief
Consumer complaint received 2017-07-06 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I requested the copy of the original note I had with Navient. Navient is providing incorrect information to XXXX XXXX XXXX and refinancing amounts that it is impossible I owe. Navient refuses to provide a copy of the note, amounts owed, how it was calculated and the amortization schedules I requested via certified mail. Instead, they send me letters to swear that I do n't have a loan. I do n't understand why Navient ca n't provide this information to me but they easily provide a document to XXXX XXXX XXXX swearing a certain amount is owed but they can not provide the supporting documentation to me. Now XXXX XXXX XXXX is overcharging me due to Navient 's incorrect information and refuses to correct its documents and provide the documents to me so that I can correct their error. This is causing me to owe thousands of dollars I am positive I do n't owe. I am a XXXX for XXXX XXXX for over ten years and this is taking money away from my own children. Please let me know what Navient discovers and/or provides regarding my note, interest owed, calculations, etc. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
XX/XX/XXXX - - letter to XXXX XXXX XXXX, CEO of Citizens Bank regarding offer of CD at 1.75 % and/or 1.50 % ... attempted to open CD as per the print advertising, but could not. ... ... <P/>XX/XX/XXXX - - spoke with a XXXX XXXX of Citizens Bank at XXXX XXXX who informed me that he would research the matter ... .The matter is that the offer as presented fails to mention that the customer needs to have {$25000.00}. on deposit with Citizens to get the premium CD yield ... <P/><P/>XX/XX/XXXX -- wrote another letter to CEO XXXX XXXX pointing out the incompetence of his XXXX XXXX in resolving the situation ... <P/><P/>XX/XX/XXXX -- a third letter to CEO XXXX stating that XXXX XXXX had offered me a CD at 1.25 %, but failed to relay that information to the branch ( XXXX ) staff where XXXX XXXX is the branch manager, and XXXX XXXX is also in a supervisory capacity .... <P/>XX/XX/XXXX -- I receive yet another advertising piece ( two in fact ) offering a CD, and again no mention of the absurd minimum to be maintained to avoid monthly charges.
A curt email was also sent to the CEO and the two local officials about the new marketing post cards .... <P/>THIS IS SIMPLY A BAIT AND SWITCH situation wherein the public is the victim

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: LA

Complaint narrative:
Loan Start date was XXXX/XXXX/2017 for {$600.00} dollars.
<P/>
When I signed up I thought I would only have to pay back {$720.00} including a {$120.00} finance charge.
<P/>
I have tried to pay off the loan multiple times but they say oh its too close to your loans next due date and auto draft my account for for {$160.00}. Almost all of this goes towards interest so far I have payed Interest Paid To Date : {$980.00}. This is utter predatory and ridiculous. You can not see the % rate until after the terms are signed. They keep adding load extension fees. I do not want to extend it I have tried to pay it off but they refuse siting its too near the payment day and it has been processesd already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We have a home mortgage with Wells Fargo. We put into escrow each month money for tax and home insurance. We received a phone call the last week of XXXX from our insurance provider stating that our policy was in the cancellation process due to lack of payment. This payment was to be made by Wells Fargo, they had reached out to the bank to try to get payment and were unsuccessful. My husband and I reached out to Wells Fargo ourselves and with several phone calls, they assured us the payment was made and our insurance would be reinstated. They also told our insurance company that they overnighted a check. It has been well over a week and still no check for the coverage. We now have NO insurance on our home and yet we are still putting into escrow the monthly amount. I am not sure what Wells Fargo is doing with the money. Wells is not showing us confirmation of anything and will not pay the amount to get us back our insurance.

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 2017-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased vitamins from XXXX XXXX XXXX for XXXX which I authorized on XXXX XXXX XXXX. 2 Weeks Later on XX/XX/XXXX they charged my debit card XXXX which I did not authorize. I have talked to my bank ( Chase ) and this Company because this was a mistake. I could not get help from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
CHEX SYSTEMS IS STATING THAT XXXX XXXX XXXX SUBMITTED A NEGATIVE COMMENT ON MY CONSUMER REPORT ON XXXX/XXXX/XXXX. HOWEVER XXXX XXXX XXXX WAS NAMED AS A DEBT IN MY CHAPTER XXXX & CHAPTER XXXX FILING XXXX. THIS DEBT OCCURRED EARLY XXXX & XXXX AND THE NEGATIVE FILING WAS NOT FILED UNTIL XXXX AND SHOULD BE REMOVED BECAUSE I WAS PROTECTED UNDER THE BANKRUPTCY DURING THE TIME THE DEBT OCCURRED. JUST BECAUSE XXXX XXXX XXXX FILED THIS NEGATIVE INFORMATION AFTER THE DATE OF THE BANKRUPTY DOES NO HOLD ME AS THE CONSUMER LIABLE DUE TO THEIR DELAYS IN REPORTING TO CHEX SYSTEMS.

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