vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We were alerted by Wells Fargo that there were fraudulent charges on our checking account amounting to several hundred dollars. When we called the number provided by Wells Fargo to confirm or deny the charges we were told by the representative on the phone that they could not provide any information about our account without a verbal password. We never asked to have a verbal password set up. They could not confirm if additional charges will be made and they could not close our account as we requested. They would not allow us to verify our information with another identifier. This happened on a Sunday ( today ) so branches are not open for us to address the problem in person. We also asked to close the account so no more fraudulent charges could be made and they did not allow us to do that. Wells Fargo is doing significant damage to us as a consumer. Action should be taken to address this so consumers are not hurt financially by this bizarre policy that they never asked us to set up. The person we talked to on the phone gave us a name of XXXX XXXX. He did not elevate the issue to management when we asked.

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 2019-09-08 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: Asset Recovery Inc
State: NY

Complaint narrative:
The company name is Asset Recovery ; I have sent them bankruptcy papers with the discharge. In fact when I filed I sent them papers and when it was discharged Ive sent them the discharge papers. They have stopped calling me however they have NOT updated XXXX to reflect the Discharged in Bankruptcy Status. Balance XXXX! I have tried to call them repeatedly and not only have they failed to show the first collection was discharged but they added a second.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX reports a collection account with XXXX for a balance of {$310.00} which is not due and has never been due and with conversations with XXXX XXXX, they will not remove it from the credit report ( even if paid ). 
I have requested the credit bureau to remove it and have not been successful in this effort.

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 2019-09-08 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: CITIBANK, N.A.
State: OR

Complaint narrative:
Unrecognized charge on my credit card. I disputed the charge but a month later it was back with a note indicating it was resolved. The note said to go to the communications center for further explanation, which I did but there was nothing there. 

Hours and hours ( literally ) of automated phone system XXXX finally gets me in touch with a person who tells me the same thing. When I ask them to go to the communications center for that further explanation, they can't find it either. So ... 

Transferred to another person who does the same thing, can't find the 'so-called ' communications except for telling me that I probably got an email with the resolution so it's now my fault ( e.g. no email ever received ). So I asked if they could resend it, which gets me transferred to another department and eventually hung-up on ... 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 2019-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Ive been a victim of identity tiff someone got hold of my information and used my cards I did contact the company and they told me they would take care of it, but still they want me to pay and now its on my credit report negative

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America is holding my monthly SSDI benefit due to ( another party 's ) fraudulent activity of the account. This matter is based on a dispute with a former vendor who " ran up '' false charged to the amount of {$1900.00} In any event, the entire amount taken includes the proceeds of my monthly Social Security Disability benefit. 

I have informed the bank of this, but the bank persists in holding my SSDI payment and causing damages as a result.

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 2019-09-08 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:
XXXX XXXX reports a collection account with XXXX for a balance of {$310.00} which is not due and has never been due and with conversations with XXXX XXXX, they will not remove it from the credit report ( even if paid ). 
I have requested the credit bureau to remove it and have not been successful in this effort.

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 2019-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Ive been a victim of identity tiff someone got hold of my information and used my cards I did contact the company and they told me they would take care of it, but still they want me to pay and now its on my credit report negative

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 2019-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Ive been a victim of identity theft someone got hold of my information and run up my cards and when I contacted the company they said they would take care of it but didnt and its still on my credit report negative which is not fair to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Collector has called multiple times threatening to call my manager at work and tell them that I am not paying my bills and to garnish my wages. 

Last call was XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Ive been a victim of identity theft someone got hold of my information and run up my cards and when I contacted the company they said they would take care of it but didnt and its still on my credit report negative which is not fair to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am a XXXX women. I made a purchase at the XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019. I used my BMO HARRIS banking card. The cashier stated that no more funds could be withdrawn from the card. I had to leave the line and go to an ATM and accrued another fee to get the cash to complete the transaction. This fraudulent practices when my account has the funds available. receipt # XXXX 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 2019-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I was a tenant at XXXX XXXX XXXX in XXXX XXXX, TX for few years and at the time of my move out, I asked management to do a walk through with me to make sure that apartment was clean and in order to avoid any misunderstanding or charges applied to me once I vacated the unit. I took pictures of the apartment on the same day that we did the walk through. Per management stated to me verbally and conversation was recorded and management was aware of this recording and agreed and said to me that I have a XXXX balance and nothing is owed. Also stated apartment was in excellent condition. The manager said that your account is paid in full with a XXXX  balance. However, 6 months later, I looked at my credit reports ( XXXX, XXXX, XXXX  ) and that they have placed me in collections for the amount of {$120.00}. This has affected my score in a tremendous way. I have made several attempts advising them this is not correct and asked them to provide pictures showing what they are charging me for and this has not been provided to me. I am requesting that XXXX XXXX delete this from all 3 of my credit bureaus ( XXXX, XXXX, XXXX ) so that my score will not continue to be damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: CA

Complaint narrative:
On XX/XX/2019 at XXXX XXXX, I mailed off to " Experian '' ; FTC Report, Police Report, Credit Report & a letter stating the fraudulent accounts that was reporting on my credit report. " XXXX XXXX XXXX '' {$1800.00} account as of XX/XX/2019, is still reporting and has not been removed from 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 non-monetary relief
Consumer complaint received 2019-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In XXXX I reported identity theft to XXXX and all my banks and closed all my credit cards as documented at the XXXX. I have identity theft filed with the FTC and confirmed by the office of comptroller for currency USA. I reported this to chase bank along with numerous other issues. They were supposed to close all bank accounts/ cards/ digital wallets / XXXX  accounts. I continue to ask Jpmorgan chase for production of documents and again faxed my requests last week Regarding fraud loans each {$18.00} k from trustees XXXX XXXX/ XXXX  XXXX/ XXXX XXXX XXXX XXXX missing monies transferred from bank XXXX XXXX XXXX XXXX as documented on XXXX XXXX XXXX XXXX. 
I am addressing one issue at a time. 
Chase bank account XXXX deducted {$5900.00} plus dollars from a # XXXX XXXX bank account some unknown entity set up in my name of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia ( I have never lived at that address. ) Chase bank assured me all accounts in my name would be closed early XXXX. 
The chase bank account opened fraudulently in XXXX was closed as per my knowledge. The other account fraudulently opened in XXXX remained opened without my permission or consent. Attached are the account numbers and transaction of {$5900.00} after all accounts in my name were closed as per XXXX and chase bank. I want jp Morgan chase bank to produce all documents regarding these accounts to me at their earliest convenience make available certified letter to me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fax plus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im a victim of identity thieves someone got hold of my information and they use my Accounts and Ive contact all the companies I was told it would be removed from my credit report negative but its still there

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 2019-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Capitol Credit Services, Inc
State: IL

Complaint narrative:
I am a XXXX women. Today I attempted to use my XXXX XXXX credit card in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX. I could not. I received a email yesterday. The payment I made leaving XXXX balance had posted. Yet, I could not use the card as I expected today. I had to alter my planning for evolving my use for credit performance to increase by credit score. I attempted it several times assuming it was an error. Receipt # XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-09-08 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: CITIBANK, N.A.
State: MO

Complaint narrative:
This is about CITI Bank ruining my credit for one late payment after I have paid all my bills on time, usually in full, for 18 years. They did not look at all the information that I provided to them before reaching their decision to ruin 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 2019-09-08 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: NY

Complaint narrative:
Im a victim of identity thieves someone got hold of my information and they use my Accounts and Ive contact all the companies I was told it would be removed from my credit report negative but its still there

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im a victim of identity thieves someone got hold of my information and they use my Accounts and Ive contact all the companies I was told it would be removed from my credit report negative but its still there

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 2019-09-08 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: CA

Complaint narrative:
On XX/XX/2019 at XXXX XXXX, I mailed off to " XXXX '' ; FTC Report, Police Report, Credit Report & a letter stating the fraudulent accounts that was reporting on my credit report. " XXXX XXXX XXXX '' {$1800.00} account as of XXXX XXXX, 2019, is still reporting and has not been removed from 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 2019-09-08 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: CA

Complaint narrative:
On XX/XX/2019 at XXXX XXXX, I mailed off to " XXXX  '' ; FTC Report, Police Report, Credit Report & a letter stating the fraudulent accounts that was reporting on my credit report. " XXXX XXXX XXXX  '' {$1800.00} account as of XX/XX/2019, is still reporting and has not been removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Mortgage initially started with XXXX and I was under FEMA forbearance. I signed modification papers have them notarized in overnight at them back. XXXX never recorded the documents and sold my mortgage to XXXX XXXX. I can't get them to understand that there are 3 credit reporting agencies. They have corrected my report on 1 and not the other 2. I reported them to the XXXX XXXX XXXX multiple occasions because they won't make the corrections nor will they respond to any emails. Total lack of common sense. This goes way neck to Irma and they still can't get it right. Them and XXXX. Totally shady companies to deal with. XXXX can't even file the proper paperwork. They never even recorded my modification

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 2019-09-08 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Mortgage initially started with XXXX and I was under FEMA forbearance. I signed modification papers have them notarized in overnight at them back. XXXX never recorded the documents and sold my mortgage to Shell point. I can't get them to understand that there are 3 credit reporting agencies. They have corrected my report on 1 and not the other 2. I reported them to the better business bureau multiple occasions because they won't make the corrections nor will they respond to any emails. Total lack of common sense. This goes way neck to Irma and they still can't get it right. Them and XXXX. Totally shady companies to deal with. XXXX can't even file the proper paperwork. They never even recorded my modification

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Mortgage initially started with homebridge and I was under FEMA forbearance. I signed modification papers have them notarized in overnight at them back. XXXX never recorded the documents and sold my mortgage to XXXX XXXX. I can't get them to understand that there are 3 credit reporting agencies. They have corrected my report on 1 and not the other 2. I reported them to the XXXX  XXXX XXXX  multiple occasions because they won't make the corrections nor will they respond to any emails. Total lack of common sense. This goes way neck to XXXX  and they still can't get it right. Them and XXXX. Totally shady companies to deal with. XXXX can't even file the proper paperwork. They never even recorded my modification

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 2019-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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