vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wife and I never signed or agreed to authorize XXXX XXXX XXXX XXXX, Wells Fargo or anyone else to deduct any money from our checking account for supplemental health insurance being sold as XXXX XXXX XXXX Plan Coverage through Wells Fargo bank. 

I contacted a XXXX XXXX XXXX representative by phone. The representative told me that the XXXX XXXX XXXX Plan Coverage listed my birthday as XX/XX/XXXX. This is in correct. My birthday is XX/XX/XXXX. 

In addition, since XXXX when the policy was issued, it was never used. In other words, no health-care claims were filed against the policy. 

This is what I was told by XXXX XXXX XXXX XXXX. 

Ive had many medical bills since XXXX. But there have never been any claims filed against this health-care supplement coverage by my wife or myself. 

We also had two insurance policies during this time. One from  my wife 's work at the XXXX XXXX XXXX XXXX and the other, up until XXXX, from my job as a newspaper reporter. 

We both have my wife 's health insurance policy and I am enrolled in XXXX. 

I have unsuccessfully tried to get proof from Wells Fargo that my wife or I authorized XXXX XXXX XXXX XXXX or Wells Fargo to deduct {$24.00} every month for this plan coverage since XXXX. 

XXXX XXXX XXXX told me to check with Wells Fargo to get that authorization. Wells Fargo said to check with XXXX XXXX XXXX. 

I thought this expense on my Wells Fargo account was for my wife 's federal union dues. 

I am sure other Wells Fargo customers were also illegally enrolled in the Wells Fargo and XXXX XXXX XXXX XXXX  without their consent.

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 2017-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates
State: GA

Complaint narrative:
On XX/XX/2017 at approximately XXXX XXXX I contacted Hillcrest Davidson & Associates regarding a fraudulent item being on my credit report the young lady transferred me to her manager who then found my account and sent me back to the initial young lady I began to explain to her that I was a victim of identity theft and I had already went through the process of filing a FTC report and police report. She began to yell at me and said if I want her help I would listen and said she was n't gon na help me get the item deleted off my credit because I corrected her for her offensive language and the tone she was yelling. I stated to her that I would be filing a complain and she said she did n't care and hung up the phone in my face leaving me without any assistance and basically no hope in ever rectifying the matter with their firm because of the threatening and verbally abusive and unprofessional nature

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I was approved for the credit card on XX/XX/XXXX for {$2000.00}. To day is XX/XX/XXXX. I went in to the bank to see what was taking so long to get my card. I was told it 's because of my credit score. my credit score is at XXXX. To qualify for a bank credit card your credit must be at XXXX. I FEEL LIKE I BEEN LIED TO '' AND DISCRIMINATED AGAINST AS A XXXX MAN ...

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 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I 'm again requesting " credit freeze '' be removed altogether.

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 2017-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I believe LVNV purchased my credit card debt from XXXX back sometime ago. But, they will not provide evidence that the actually purchased the debtor such as purchase agreement and contracts evidencing that they purchased my debt from XXXX. In XXXX2015 LVNV attempted to garnish my bank account. My bank notified me and out of scarcity I contacted LVNV and agreed to pay them. But, I asked them to provide evidence that they now have my debt they have failed to do so. I have been paying them for the last two years and I do not want any mix up regarding this debt years later and XXXX come back requesting that I pay them when LVNV is attempting to collect on this debt. I need verification that they actually own my debt such as contract agreement and letters transferring from XXXX to LVNV. I am aware that there is a law in Texas that prohibit a debt collector from garnishing bank accounts. Please provide documentation that XXXX is no longer the debt holder of this loan. I have received threatening letters and bank garnishments from LVNV with no proof that they have my debt. I would appreciate any help you can give me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX/XXXX/17 I disputed information about collection account to not be responsible for to Equifax. 30 days have passed and Equifax stated they have n't got a response from collection agency but they are still kept the collection on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 1ST FINANCIAL, INC.
State: PA

Complaint narrative:
In the middle of applying for a loan during the underwriting stage, the Loan Officer XXXX XXXX  NMLSXXXX emailed me saying that he nor anyone in the office had time to work on my loan and good luck finding another financial institution. I have also asked for a copy of my credit report. At this time I have neither received my report nor has my request been acknowledged XXXX is employed as a loan officer with : 1st Financial XXXX XXXX XXXX NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Branch Manager :  XXXX XXXX I have also tried to contact the corporate headquarters and speak with the Director of Operations XXXX XXXX and left a message in the general VM box as there was never an opportunity to actually speak with someone each time I called. 
XXXX XXXX NMLS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Director of Operations : 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 2017-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
They call excessively, either daily or multiple times a day. I have advised them of the excessive phone calls and have been making payments on the account however they still call too much!!! Just on XXXX XXXX they called at XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I expect additional calls today as they just do n't stop calling even with arrangements set up. I previous to that received a call on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX. This is for an amount of {$200.00} and some change owed to Wells Fargo Bank. They literally call everyday except Sunday 's and Holiday 's. This is an extreme nuisance and I have arrangements setup with them to pay {$25.00} every 2 weeks.

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 2017-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I pulled my credit reports and noticed I am a " joint '' with a XXXX XXXX?? 
I am not aware of this company and I have never co signed with anyone for an auto loan. I have a vehicle. I have sent a certified validation letter to the address which the credit bureaus provided to XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and this company refuses to validate my signature or provide me with ANY paperwork for which I have signed for this vehicle. They have no paperwork because I did not co sign for anybody. I have NO KNOWLEDGE of this company. I need this removed from my credit ASAP. For this is holding me up from getting school loans for college.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
It has come to my attention that Wells Fargo has issued a Non Sufficient Funds fee for an unauthorized transaction. On XX/XX/XXXX I incurred a {$35.00} fee for the following transaction : {$12.00} XXXX XXXX XXXX A previous conversation with Wells Fargo indicated that withdrawals from XXXX were unauthorized. Wells Fargo informed me they would issue a stop-payment on all future withdrawals from XXXX. However, Wells Fargo continues to fine me {$35.00} per XXXX withdrawal attempt. 

The Non Sufficient Funds fee created a domino effect of two more Over Draft fees and Non Sufficient Fund fees. These fees were incurred XX/XX/XXXX. 

I am also concerned that Wells Fargo is rearranging debits and credits, causing my bank balance to fall below {$0.00}. I believe this is done in an attempt to maximize Over Draft and Non Sufficient Funds fees. 

Total fees incurred are ( {$35.00} + {$35.00} + {$35.00} ) =  {$100.00}

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 2017-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
I checked my credit report, and noticed a new collection account from Diversified Consultants. They say its a debt from XXXX XXXX. I have never had service with XXXX XXXX. I contacted XXXX and they have no record of me. I want this removed immediately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: GA

Complaint narrative:
Credit control corp/ XXXX XXXX XXXX/ XX/XX/XXXX adv the company that the account was not mine and the company did n't remove the information from my credit report. 

Credit control corp/ XXXX XXXX XXXX/ XX/XX/XXXX adv the company the account was not owned by me disputed the account more than once and no changes have been made. 

Credit control corp/XXXX XXXX XXXXXXXX adv the company that the account was not mine disputed the account more than once and no changes have been made to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
Back in 2011 we paid one of our payments on line. We were notified that the payment went thru on their online system. It was n't until months later that we were notified that it did n't go thru. By that time we had 3 -30 day late payments on our credit report since it had put us a payment behind by not having that payment go thru. We were told that the problem would be fixed with the credit bureaus by the company but it never was and we have tried repeatedly to have it removed by disputing it with the credit bureaus with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I initially disputed this debt with the credit bureaus back in XXXX XXXX, with the results being that the account was verified as being mine. I have since sent the collection agency request for debt validation to the fax number that has been provide by them, however they repeatedly say they did n't get the faxes though the faxes state they were successfully transmitted. I have spoken with a representative at this collection agency and was advised of the company they were collecting on the behalf of. I contacted the company that is listed as the Original Creditor that this collection is " supposedly '' collecting on the behalf of and they do n't have any information in their systems for me nor that I ever had an account with them in any way. I was advised by XXXX at Capstone that they were collecting on behalf of a property management  company by the name of XXXX, after doing extensive research and placing calls to the company that I did find with this name, they have never been affiliated with anyone " supposedly involved '' with this account, not Capstone Credit & Collections nor River Oaks Apartments. In fact, Florida is a state in which companies must be registered and licensed, and the XXXX company I pulled up is not " licensed '' and is not active. 

I have sent them this information and they continue to report this account to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract with the company. I have sent letters for validation to this bureau and they have not provided me with proof that this account belongs to me. The company name is XXXX, account # on file is XXXX ... .. The credit bureau is reporting inaccurate information and I have no knowledge of this account. I have not signed for an auto loan. Under the FCRA, unverified accounts must be removed and if the bureau is unable to provide me a copy of verifiable proof, they must remove the account.

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 2017-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SUNTRUST BANKS, INC.
State: MN

Complaint narrative:
Suntrust Bank - XXXX continues to lie to the CFPB and myself. I will attach my Credit Score from XXXX, as you will see it has not dipped below the XXXX mark and on XXXX XXXX, 2017, the date of their inquiry it was approx XXXX, not a score of XXXX as they claimed to the CFPB and myself. They flat out lied. Furthermore their basis of rejection was I believe in violation of discrimination on my discharged Ch XXXX, again they claimed I was still active in this, I was discharged, case is closed.

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 2017-11-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have consolidated my student debt with the XXXX XXXX XXXX. I have notified Navient, and XXXX XXXX that I have consolidated, and they continue to call me an average of XXXX times per day. I have XXXX asked that they stop calling me, but the calling will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates is falsely reporting an account on my XXXX credit report. Portfolio Recovery Associates lists account XXXX on my credit report for {$760.00}.  Under " Type of Loan '' it is listed as a Factoring Company Account, however, Portfolio Recovery is in fact not a factoring company. This is resulting in the collection being listed under " other accounts '' on my credit report rather than in the " collections '' section, which is an incorrect classification. This is a violation of the fair credit reporting act. This complaint should not to be construed as an acknowledgment of liability for this debt in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for several credit cards. The applications were stopped however the activity generated fraudulent inquiries on his credit reports. The creditors have been notified several times of this however the inquiries remain on the credit report. This is a violation of the FCRA and our clients federal consumer rights. A current credit report shows XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX are still listed as inquiries after several formal disputes were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
Beginning in XX/XX/XXXX until XXXX 2017.

My wife and I have been notified by mail and we understand that we owe Lendmark Financial. The number of times they call her at work, on her cell, call my cell repeatedly and our home number is unacceptable. It is an all day every day calling process and I would like for it to stop. I have talked to someone once before about calling me at work. It has since stopped, but calling multiple times a day at my wife 's job, calling our home and or cell phones is too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: NC

Complaint narrative:
Discovered my credit report XXXX TransUnion, Experian, and Equifax XXXX all displayed a collection amount of {$250.00} that was opened on XXXX XXXX, XXXX. Original creditor is XXXX XXXX. Having no knowledge of this account or what their service even is, I disputed this collection with all 3 bureaus in XXXX of XXXX and it has been removed from XXXX and XXXX. However, XXXX suggests the collection is indeed mine. I have never received documentation either via mail and no attempts to collect via phone either, leading me to believe that this company does not have my contact information which would suggest I have no relation to them and do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
Unwanted calls from Nationstar Mortgage-
Call with no one on the line. from XX/XX/2017-XX/XX/2017
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This is just one of the numbers that have no one on the line. Now Nationstar has sold to Mr Cooper and I am still getting calls.

Company response to consumer: Closed with explanation