vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
In XXXX I had fraud on my credit card upwards of {$17000.00} Wells Fargo said that I was still liable for the charges. I have been making payments up until XX/XX/XXXX when I lost my XXXX social security I am currently appealing there decision I owe over {$18000.00} to Wells Fargo but can not pay it and they are trying to come after me. I have tried working with Wells Fargo but to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I bank with JP m organ Chase bank they close my account with out telling me and I didn't nothing wrong I had a chase prepay card that was economize 5 times in less than 3 month I been with chase for a lot of yeas and the wouldn't tell me why they close it it just ruin my life

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The Bank of America Mobile App allows user to receive bills and pay them through the mobile app. In my case, Bank of America receives bills from XXXXXXXX XXXX Consumer Credit Card. When accessing the bill pay function from the mobile app and pulling up the " Unpaid Bill '' for XXXX XXXX Consumer Credit Card, the app displays the bill amount as  {$25.00}. A normal and reasonable user, would assume {$25.00} is total amount owed under the bill. In fact, this is untrue. Bank of America is systematically causing confusion by displaying the  minimum payment, in lieu of the total due. This has resulted in me paying fees and interest I otherwise would not have paid. 

Furthermore, regarding the use of the app in the bill payment screen, a typical user would assume the " Amount '' box should be tapped if you want to change the amount being paid. In fact, bank of america has hidden the true amount of the bill behind this veil. I only discovered this after searching the internet on why I was only seeing the minimum payment. 

Bank of America should default the amount in the mobile app, bill pay " amount '' box to the total amount owed, not the minimum payment. This will prevent consumers from accidentally carrying a balance. Bank of America should reimburse interested and fees to me in the amount of {$2.00}, as well as any future interest not yet posted by XXXX XXXX Consumer Credit Card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX XXXX is reporting on my credit for a XXXX debt that is over 8 yrs old and was paid a long time ago. When I called them they said they do not have the account anymore and they sent it back to XXXX in 2012. Yes they are currently reporting and damaging my credit. 
The debt is past the CA statute of limitations also and I do not owe 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 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Disputed with the company since XXXX of last year. This account is not associated with me. I have been fighting this account since it showed up my report. This account is making it hard for me to obtain credit wise because its reporting negatively. I have reached out to the bureaus in regards to this. I have disputed it and nothing is done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Data Corporation
State: PA

Complaint narrative:
On XX/XX/2018 my family member XXXX XXXX stole my debit card and withdrew {$500.00} from my account. I noticed this the next day and reported this to my finacial institution. I advised them that my family member knew my pin # and i did not authorize this. My financial institution advised me they are cancelling my card and sent me a new one. I waited 30 days for the dispute process in which they denied the claim due the person using a ATM that i use as well. I explained to them this is the ATM i use all the time and its right by my house. They advised me to send a hand written appeal with all the details of what led up the theft of my card. I did so. This was an additional 45-90 day  process. I waited the necessary time frame and reached out to them for an update. My financial institution then advised me to get in touch with the ATM this happened at as this is the only way i can get my money back. I advised that i don't see how this will fix anything seeing that i do not have an account with that bank i have an account with them. I reached out to the merchant anyway and they advised me of the same thing. There is nothing they can do since my account is not with them.I have provided this company with my family members name, address, and advised he is currently incarcerated and where. When you call the customer service number they clearly state if you card is lost or stolen you are protected. This is not true. My financial institution is XXXX XXXX XXXX XXXX. I have had this account for 5 years and have all my deposits on this account such as direct deposit from both my jobs and income tax every year. The ATM i used is XXXX XXXX and dont feel they have anything to do with this situation they were just the ATM used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: CA

Complaint narrative:
XXXX XXXX is reporting on my credit for a XXXX debt that is over 8 yrs old and was paid a long time ago. When I called them they said they do not have the account anymore and they sent it back to XXXX in 2012. Yes they are currently reporting and damaging my credit. 
The debt is past the CA statute of limitations also and I do not owe 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 2018-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
got notice saying im being sued by capital one. I dont have a capital one card. I am XXXX  XXXX and XXXX. I am also a XXXX XXXX XXXX. I sent capital one and the courts papers for them to verify that I owe. I never heard anything back debt has not been verified. I dont have a capitol one card. I am a victim of fraud and the court/ capital one is suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
XX/XX/2018 ... received a denial letter from XXXX XXXX for request of credit ... XXXX denial, aware of due to credit freeze on all three credit reporting bureaus. In addition to XXXX, denial by XXXX  , XXXX?????? Who is this?????????????????????? We have had a credit freeze on the three agencies we are aware of and instructed to freeze to avoid identity theft - have NEVER heard of this XXXX? In addition to the surprise of finding this company, they have our credit score at XXXX of a XXXX high score!!! Really shocked now! We have had credit for over 40 years - owned 16 homes, multiple auto and revolving loans - NEVER paid late in all those years! The reasons for this score are absolutely absurd!! These credit bureaus need to reflect credit history on someone's social security number and years of credit! We have been in the mid 800 's for years and years on the other agencies. This company should NOT be allowed to be in our business without notification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: Midwest Recovery Systems
State: VA

Complaint narrative:
I submitted a dispute with XXXX  twice to request removal of a collection in the amount of XXXX involving a collection company ( Midwest Recovery System ) whose client is an online payday loan  company not licensed in the XXXX of Virginia. I do not recall in the last five years taking out a loan with this payday loan company ( XXXX XXXX XXXX ) and Midwest Recovery never sent me a notice that would allow me the opportunity to dispute the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: DE

Complaint narrative:
My wife and I are trying to get pre-approved for a mortgage. We both have credit karma accounts. Our lender is not able to pull our reports due to a firewall credit karma has placed on our accounts. Now our pre-approval is sitting in limbo. We have contacted credit karma several times over the last 7 days and have not been contacted by Credit Karma to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I reviewed my annual report and saw THREE ( 3 )  items sent to collections by XXXX XXXX. XX/XX/XXXX {$49.00} XX/XX/XXXX {$87.00} XX/XX/XXXX {$170.00} I am someone who checks my FICO every month and reviews my credit report EVERY year and this has never showed up on my reports. 

I NEVER RECEIVED NOTICE OF THIS though they claim to have sent me 5 invoices. NEVER DID I RECEIVE A PHONE CALL to try and collect this payment. I have visited their facilities many times and NEVER WAS I NOTIFIED about an outstanding balance. 

HAD I KNOWN about this, it could have been avoided. 

Aside from this, THE DEBT COLLECTOR HAS NEVER CONTACTED ME TO TRY AND COLLECT THE DEBT!. I had to call them XX/XX/XXXX at XXXX PT to find out I owed money, only because I happened to see it on my report that same day. 

I have filed a dispute through XXXX and am waiting to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: U.S. BANCORP
State: CO

Complaint narrative:
The lease on my XXXX XXXX XXXX was scheduled to end on XX/XX/2018. 

I turned in the car to the dealership on XX/XX/2018. 

My lease with US Bank is paid with an automatic monthly ACH, withdrawn on the XXXX of the month. 

On XX/XX/2018 I noticed that US Bank still showed my account to be scheduled for an auto payment on my lease in the standard amount of {$510.00}. 

On XX/XX/2018 I called US Bank to request that the payment be stopped. 

US Bank Customer Service Department and Lease Maturity Department informed me that it was too late to stop the ACH and the only way for the payment to not go through would be to set up a Stop Payment with my bank ( XXXX  ). They said if I didn't stop the payment and it went through, I could call back after it clears to request a refund. 

I called XXXX to request a stop payment. I was informed that the fee was {$35.00}, I had no interest in paying {$35.00} to fix the error on behalf of US Bank. 

On XX/XX/XXXX, the payment cleared ACH from XXXX to US Bank. 

On XX/XX/XXXX, I called US Bank to request the refund. I was informed by XXXX XXXX ( Manager, XXXX XXXX ) that the policy was to hold my money until after the inspection was completed and a final bill was generated. 

This is fraud. 

US Bank was unauthorized to take the {$510.00}. 

This was the 49th payment of a 48 month lease. I did not give my authorization nor consent to take a lease payment for a vehicle that I had turned in. 

US Bank was aware that the vehicle was no longer in my possession and had been turned in. 

Not only was US Bank aware that the vehicle had been returned, further, they were aware that it had been turned in on time and under mileage -- both noted by the paperwork submitted by the dealership and confirmed to be received by US Bank on XX/XX/XXXX ). 

Mr. XXXX stated in no uncertain terms that they were unwilling to refund this lease payment until after a period of 4-6 weeks when they had generated a final bill. They are unauthorized to be in receipt of these funds. Nor are they authorized to use these funds to pay any final bill that may be associated with the termination of my lease with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: LDF Holdings, LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX has repeatedly called my cell phone during working hours after I asked them not to. Then began calling our office phone at work and in one case left a voicemail stating that his name was " XXXX and to call XXXX ( and I have the recorded voicemail ) '' ; that I was past due with my account to XXXX XXXX XXXX and subject to be sent to collections. This message was heard first played and heard by a co-worker, who then played it for my supervisor. I've stated to XXXX XXXX XXXX plenty of times to call me after XXXX XXXX. CST to discuss a possible payment restructure and they have refused. Now they're calling my employer and personal financial information on my employers ' voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have been trying to get my free Equifax credit report. Every time I try to do the request online the security questions does not apply to me. Due to the hacking attempt I will not submit my personal information to Equifax to prove who I am. I DO NOT TRUST EQUIFAX OR ANY OF THEIR EMPLOYEES. 

I do not want Equifax try to send my credit report to my home address. Tell them to send the report to the following law firm. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TENNESSEE CALL XXXX - Ask for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have already filed one complaint with you # XXXX - so details are there. You closed it. An internal audit conducted by Wells Fargo, a company that has been convicted of major crimes, should have never happened. It should have been an outside group doing the audit. We keep saying they are not applying our extra principal correctly ( see attached ) and are asking for an outside group to audit our bi-weekly payments and how they are applied. The extra {$430.00} we pay each month should IMMEDIATELY be applied to principal, and that is not happening, costing us lots of interest and longer in payments. In fact. on the attached pages, which I printed off of WF site, it's not even showing that - if you check each month to month balance on the sheet ( for example - take balance at beginning and ending of month, credit is only a little more than the 'monthly payment of {$1200.00} ). We are paying {$950.00} bi-weekly ( so {$1700.00} every 4 weeks ). We want an outside firm to audit all paperwork ( if you need more, I can provide, or you can ask them ). It's very clear from this brief summary, it's not being applied correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Sears continues to report that I have a collection balance owed to them for over {$2000.00}. This is incorrect, as I legally settled this debt in full with their attorney, XXXX XXXX XXXX XXXX, in the past. This account should now report {$0.00} owed. I have disputed this account at XXXX, XXXX, and XXXX XXXX ; but Sears continues to tell the credit bureaus I owe them money, when this account has already been settled in full. I am attaching a copy of the settlement with the Sears attorney, but you can also call the attorney at XXXX, to confirm the account has been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: MS

Complaint narrative:
I sent Transunion numerous documents to show that information on my credit report is incorrect. They have put a freeze on my report and will not correct my information. They will not help me, and I've sent sensitive documents through the mail to them, to verify that the information they had was not correct Please Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: TX

Complaint narrative:
I have tried on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to fix these issues with Equifax . To dispute this inaccurate information which is violating my consumer rights. XXXX  account # XXXX and XXXX XXXX XXXX only the one opened on XX/XX/XXXX have been disputed for mulitple inaccuracies. The most recent in results says that this was verified. HOW? where is the proof of my signature? where is the signed contract? 

XXXX XXXX is reporting inaccurately because : -how is it opened on XX/XX/XXXX and deliquent on XX/XX/XXXX? It doesnt make sense -5 months recieved payments? when? payment amount? 
-How is this account not reported until XX/XX/XXXX? 
-No close date reporting? 
- and reporting open? No credit limit? 

XXXX XXXX -how is this past due and charged off?? 
-no date closed yet? ITS CHARGED OFF? Its not OPEN!!! 
-How is the charge off amount higher than past due balance? 
-Where is high credit? Credit Limit? Payment amount? 
All these are clear violations of my FCRA and FDCPA rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: IL

Complaint narrative:
On Thursday, XX/XX/2018 I submitted a complaint informing Equifax that there are fraudulent accounts reporting on my credit report. I submitted the Identity theft report as proof of these fraudulent accounts but to no avail as Equifax failed to block these accounts from my credit file stating that they verified that these fraudulent accounts belong to me. I would like a reinvestigation, I would also like for Equifax to send me proof along with all information regarding that investigation including the furnisher of the fraudulent information and how they verified the accuracy of these fraudulent accounts. 

This letter is my final communication regarding the inaccurate entries being reported under XXXX XXXX  XXXX Child Support, XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation