vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo Reresentative XXXX XXXX contacted me about charged off Wells Fargo credit card. Never verified account. Continued on with collection practice & options. Representative then released all account information, home address, amount of debt, my cell phone number, my business #.

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 2020-06-11 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
Convergent Outsourcing XXXX : This debt has been paid and needs to be removed from my credit report. I no longer owe this debt.

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 2020-06-11 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In XXXX of XXXX, American Express began trying to collect, for the second time on a 3 year old account. They sent multiple emails stating that I could settle the account in XXXX and XXXX. When I did not respond. The re-aged the debt.The account had been closed and charged off in XXXX. They are showing an incomplete payment history on the account and reporting new late payments on this account. They also have tried to make the account look as if it is a recent charge-off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Received a bill on XX/XX/2020 from Wells Fargo Auto claiming I owed {$72.00} in late charge fees on my auto loan in which i paid off on XX/XX/2020. Upon calling the company, a representative told me that the {$72.00} are late charges over the course of the loan. This was confirmed by an escalation specialist that I spoke to as well. 
The issue is that they explained to me that when I have made a late payment that the additional amount paid was applied to the principal balance rather than the late charges accrued. I explained that doing so was deceptive as the total amount due showed the normal payment amount and late charges. There is no additional box to click or put in a number to specify that you want it to go to late charges. Both representatives told me that I would have to call and tell a representative that I wanted to pay my late charges. I asked why no previous representative or bills stated that I had unpaid late charges and they said that information is not disclosed unless you call and specifically ask. 
Not only is this deceptive, but their methods of applying the payment go against what is stated in the legal documents that I signed. According to the legal documents, payment is applied to interest first, principal payment owed, accrued fees ( examples include late charges and NSF fees ), and then additional principal balance. What both representatives told me is that it's applied to interest, principal payment owed, principal balance then late charges are collected at the end of the loan. 
I am not denying that either way, I would owe the {$72.00} but I was deceived throughout my loan by the fees owed not being disclosed to me through monthly billing on paper and online nor through speaking with company representatives. This then caused me to payoff my loan only to find out later that I owed additional amount as the late charges hadn't been disclosed, even at the time of requesting a payoff.

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 2020-06-11 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX XXXX {$2800.00} XXXX {$740.00} XXXX {$2000.00} XXXX {$2800.00} XXXX {$2000.00} XXXX {$960.00} XXXX {$1300.00} XXXX {$2000.00} XXXX {$1300.00} XXXX {$1500.00} XXXX {$2200.00} XXXX {$790.00} XXXX {$460.00} XXXX {$1100.00}

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 2020-06-11 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX XXXX {$2800.00} XXXX {$740.00} XXXX {$2000.00} XXXX {$2800.00} XXXX {$2000.00} XXXX {$960.00} XXXX {$1300.00} XXXX {$2000.00} XXXX {$1300.00} XXXX {$1500.00} XXXX {$2200.00} XXXX {$790.00} XXXX {$460.00} XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT

Complaint narrative:
My father is an elderly XXXX XXXX XXXX man who moved out of his apartment due to his partner 's XXXX XXXX When he moved out he delivered his last rent check by hand to the front desk. He thought he was done with the apartment. 

Months later, we discovered on our credit report that we have an outstanding balance with our old apartment building. Well, we never got any notices about this. How would we know to pay this? 

It was apparently sent to collections, who also did not notify us. They claim they did not know our current address and sent the notices to the same address for the apartment we had just moved out of! Obviously that is not going to work and we would not have received that notice. Our credit report clearly shows our current address and they also could have called us, but nobody called or contacted us. 

Thus we never received fair notice that we could pay or dispute the debt. The debt is apparently for all sorts of move-out charges we were not made aware of ( and would have been happy to pay ). 

This should never have been sent to collections. We called the collections agency to explain this but they refused to assist and keep insisting that they provided sufficient required notice. They also lied to us and told us it would be illegal to remove the information from the credit report in error and that our only option was to pay it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hi, I've been in touch with Chase multiple times. I still have concerns that my chargeback from early XXXX ( XX/XX/2020 ) for XXXX for {$220.00} is being denied and not being seen as valid. There was a 30 day 100 % refund guarantee that the vendor won't honor. They keep trying to tell me there is a no refund policy, but it clearly states even in the paperwork that Chase sent me after the first investigation that I have 30 days to refund ( see attachment below page XXXX ). After purchasing the program, I wasn't satisfied and at that time realized that others also had many issues with this company. I appreciate your help and understanding in remedying this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HCFS Healthcare Financial Services of TeamHealth
State: TN

Complaint narrative:
My Medical debt was discharged in my bankruptcy. The debt is repeatedly getting removed and added back on my credit report impacting my score. I am tired of the numerous calls.

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 2020-06-11 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: Trident Asset Management, L.L.C.
State: NY

Complaint narrative:
XXXX XXXX XXXX credit card, made a fraudulent statement on my account the first is on XX/XX/XXXX {$280.00} and the other is XX/XX/XXXX XXXX where they posted as the minimum payment owed. they also stated I made an transaction I'd never made and charged me extra on payments which forced me into an over limit fees. I tried to explained to them that on XX/XX/XXXX I never made an {$100.00} atm purchase in the XXXX on XX/XX/XXXX where they intentionally altered the statement. I told them I wasn't even in the XXXX nor used the card for XX/XX/XXXX. I was on the phone for over an hour disputing my case with representatives and supervisors to adjust the error to no avail and they hung up the phone. On XXXX they showed on my credit report there's no availability for XXXX for XXXX  and XXXX  where I have the statement. My last transaction was XX/XX/XXXX and I made an payment of {$150.00} on the XX/XX/XXXX my last payment. By the XXXX they said I had {$75.00} credit available but balance was {$220.00} after paying {$150.00} on the XXXX with no further card transactions? They also stated on XXXX of XXXX an XXXX charge of XXXX was on my account for that month when I even didn't have one and the only transaction from XXXX was on XX/XX/XXXX. 
I will provide their statements, my statements and my time card punch out to contrast the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I applied for American Express Delta Skymiles credit card back in XX/XX/2020. Firstly I used Amex offer letter with offer code to apply for the card, the application got approved. But shortly after the approval, I found the offer letter showed the first year annual fee is not waived at the very bottom of the offer letter in quite small font size under terms and conditions, which is not the normal case for this product, so I cancelled my application right away at the same day or one day later. I called Amex customer service to complain about it and wanted to apply for Amex Delta Skymiles credit card which waives the first year annual fee. I was aware of the Amex credit card reward policy, they do not pay the customers reward if they have the same card before, so I explained to the customer service my situation and asked him if I was still eligible for the welcome reward, which is 60,000 bonus miles with purchase of {$2000.00} in first 3 months. The customer service representative told me I could still get the reward in my case so I went ahead to apply for the card. Now it is XXXX but I still do not receive the reward. I tried to call Amex customer service more than 10 times to resolve my case but they always told me my first application was approved, I already got the same card so I could not receive the reward. However, I cancelled my application right away at the first time I applied for the card, I never received the card from Amex, never spent money on the first card and never received welcome reward on the same card from Amex before. Moreover, I did call Amex customer service to double-check if I could get a welcome reward, but it looks like Amex is ambiguous about tracing back the phone call I had with their customer service back in XXXX. Every time I called Amex they just raised a ticket for me and let me wait for 7-10 business days to follow up but every time they just declined my complaint. There was only one time a senior employee from Amex customer service agreed to send me 10,000 miles on my account, but I should get 60,000 miles in total. I do hope my case can be solved asap since it is quite frustrating to call Amex over and over again, explain to them my case every time but always get disacpponting result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Between XXXX of XXXX and XX/XX/XXXX there were 185 fraudulent XXXX transactions on my card which Chases Fraud Department did not capture and I was not aware of. I made numerous attempts to resolve this matter and contacted Chase on more than 30 occasions between XXXX and XX/XX/XXXX. In XXXX, I received a letter stating I would be made responsible for these fraudulent charges. After an exhausting process of attempting to resolve this, I decided to inquire into a lump-sump settlement only to discover Chase would only allow for {$300.00} reduction in my total balance. 
I also attempted to qualify for a interest rate reduction and did not qualify for this. 

I am requesting Chase to take partial responsibility in this situation as their Fraud department should have alerted me of the excessive Lift charges applied to my account, especially since this activity is not typical for my transaction history. 

As a consumer, I am making diligent attempts to resolve this and it appears Chase is not willing to follow through on their promise to be a customer service focused company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: NC

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

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 2020-06-11 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: NC

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: AR

Complaint narrative:
I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 
XXXX {$120.00}

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 2020-06-11 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: AL

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.

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 2020-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
AMEX decided to reduce my Credit Limit based on a 'late payment ' on my personal loan with AMEX as well. It was an issue to do with Autodrafting. An internal system flaw does not distinguish between old ( closed ) accounts and current accounts when setting up autodrafts. As a result the autodraft was setup for the closed account ( unbeknownst to me ). The payment date was showing up as XX/XX/XXXX, when my usual debit day is XX/XX/XXXX. I thought that necessary adjustments to daily interest would be made and I will be debited for a further 8 days of interest when the new payment will be debited. AMEX then emails me saying they are rejecting a payment on my XXXX XXXX Card due to a late payment!! I investigate further to see that the payment they are referring to is the one ( on my system ) is showing as XX/XX/XXXX. They explained that this was set up for the old loan account which is still ( active ) on their system even though it was paid off and closed over 9 months ago!! As a result of this 'late ' payment, my other accounts have been affected, including the credit limit of my XXXX XXXX which dropped from $ XXXX to $ XXXX. I have been a customer of AMEX 's for the best part of 14 years and I have been treated like an absolute criminal. I have NEVER missed a payment in the past 14 years!! They are asking me to jump through hoops to appeal my credit limit on the XXXX XXXX as if I am a brand new client just out college or with someone who has no credit history. This is absurd. I have lodged a complaint with the company itself and will take this further for consideration to restore my credit limit and integrity with AMEX and the credit bureaus.

Company response to consumer: Closed with explanation