vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This involves actions by Wells Fargo in servicing our XXXX Home Equity Line of Credit. Since changing the account statement in XX/XX/XXXX, we've been unable to understand the actions vs account statement. Why did we keep owing back interest when from day 1 on XXXX XXXX, EVERY payment was in excess of the interest due and 95 % of our statement had a payment due of XXXX and that included back interest. See the bottom of page 1 of the Agreement. So back interest wasn't due. 

Attached are XXXX account and responses from Wells Fargo which you will find are conflicting, misleading and some parts are false and do not even apply to my account. The lack of full disclosure and Transparency is seen in the recent version of the transaction history provided Wells Fargo revealed fees that were hidden in the previous spreadsheets received from other Wells Fargo staff. 

Since Wells Fargo is unable to reply with a consistent answer is clear.

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 2018-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management services has been constantly harassing me by phone, calling my cell phone while Im at work. Calling my company I work for now at least 40 times per hour and including to calling my family over and over. I do not owe them anything. They are attempting to collect on a debt that wasnt mine. When I had identity theft I reported XXXX as fraud, that was removed from my credit report, the bank then attempted to sell the fraud, now this company is harassing me. I do not owe this company any money. I had identity theft and the company received an FTC Affidavit.  Also they are impeding my work and calling my supervisor consistently this is not only harassment but abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Something called IC Systems reported to my XXXX  report on XX/XX/18 that I owe {$260.00} for something called XXXX XXXX XXXX XXXX XXXX. I looked them up because I have never heard of them. It appears they are a cable tv system or such. I have never had cable tv in my life. Dont have a need for it so I have never purchased it. Furthermore, I asked them to provide me with MY identification used to open the account and they are unable to do so. It is NOT mine and MY identification was NOT used to create this account. Therefore, I want this account removed because it is NOT mine and they dont have any identifying proof of my identity showing that it is.

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 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: ND

Complaint narrative:
I have going through financial hardship and was unable to make my monthly American Express credit card payment. I contacted American Express and explained my situation. They told me they had programs available to assist with my certain situation but that I wasn't able to access those programs until I paid my account was current. I told them I didn't have enough money to get my account current and they still responded they could only help me if I was current. I reluctantly paid the minimum due, which meant I couldn't pay other bills that I owed, and then they said " Oh, I'm sorry, we don't have programs right now that can help you. '' Then, about one week later, they withdrew money from my bank account without my permission. I called them 3-4 times to get an explanation as to why and how they did this and they said they couldn't talk to me until my account was current. I again told them my financial situation and again they told me they couldn't help me unless my account was current. I wouldn't pay because, one, I didn't have any money to pay, and second, I wasn't going to let them do to me what they did to me the prior month. I want them to remove their finances charges and late fees and work with me to get this paid off. Now they have hired a collection agency to collect this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Public record of bankruptcy is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such 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 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Public record of bankruptcy is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such 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 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
My name is XXXX XXXX I used to live at XXXX XXXX XXXX XXXX XXXX XXXX, md XX/XX/XXXX, XX/XX/XXXX I moved out on XX/XX/XXXX to live with my family after this time I went to rent my own apartment because I got married, they declined my application because I have report from financial management solutions phone number # XXXX/XXXX, I called them and I asked them to give me explanation why I owe XXXX the representative he is name gamble if am not spilling wrong he said you didn't pay rent for month of XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX, I told him if I have approve I payed for this months, he said doesn't mean you have receipt show the month that mean you payed for the same month may be you payed for month before, i told him what I know when you rent appartment you on advance for the month or you going to move out by XXXX or XXXX by court order he said they didn't have enough time to get court order I told since XX/XX/XXXX to XX/XX/XXXX the time I give note of leaving 4 month they didn't have time to file this dose n't make since to me, and I asked him for payments history report he asked me for mail address I said I don't have one but I have e mail you can send through my email he said he didn't have time to send 15 sheets by email .all through this conversation he try send me message like you have only one option just pay that money

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 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2018 I received a notification that a new inquiry had been posted to my credit file by the creditor XXXX XXXX XXXX. I did not apply for credit with them so I disputed the inquiry via XXXX online. I received the reply that it was considered valid and they would not be removing the fraudulent inquiry. I also received a letter from them on XX/XX/2018 stating they were dealing my credit request and that if I needed/wanted more information as to why that I needed to contact Capital One. An inquiry was done fraudulently and it was not done by myself or anyone in my immediate household.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2018 Dear Ladies and Gentlemen : This communique is a complaint against Wells Fargo. Wells Fargo has charged 3 overdraft fees against me illegally. The only charge that I should have is for XXXX XXXX gas station. 


The other deductions for XXXX, XXXX XXXX, and XXXX XXXX were made before the XX/XX/XXXX charge at XXXX XXXX I checked my accounts to see if I had the funds to go to these fast food restaurants, and the funds were sufficient. 


This is the third time that Wells Fargo has illegally charged my account. Previously, they charged my account, and I made the automatic transfer from my checking to my savings account. So, I shouldn't have had to pay fees for accounts. 


Your immediate response will be highly appreciated. 


Sincerely, 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 monetary relief
Consumer complaint received 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I have called the collection company ( XXXX XXXX XXXX ) many times over the last 30 - 45 days. I requested a copy or proof of the debts they had in collection and was assured they would order the records. I never received them. I have called back to speak to a manager several times, left a few messages to no avail. I did call on XX/XX/2018 a total of 4 times to speak with someone regarding this. I spoke with XXXX who said all she could say is they mailed them. I never received them. I am frustrated that it is taking 45 days or more for any action to verify the debts and I want them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to XXXX XXXX   XXXX/XXXX  XXXX which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. XXXX XXXX XXXX/XXXX  XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX   XXXX/XXXX XXXX. XXXX  XXXX XXXX/XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I have contacted XXXX, XXXX, and TransUnion on numerous occasions, both by phone and mail, and tried to have them explain to me how they are verifying these erroneous reporting accounts as accurate, and they always reply with, " we obtain our information from XXXX and the XXXX system for these accounts. '' XXXX and the XXXX system are NOT the original creditors to any of these erroneous reporting accounts, and their reporting should not be counted as " verifiable ''. If these 3 bureaus can not give me satisfactory information and provide me with written proof of the creditor they talked too with complete phone number, and written proof with the name of the customer service member that they obtained the information from, or written proof of the clerk of courts name and telephone number, and written proof that they talked with him/her, then they are in violation of FCRA 611 and MUST DELETE these erroneous accounts from my credit report!!! I am a litigious consumer, and if these accounts and hard inquiries are not removed from my reports immediately, I will sue these bureaus for violating my FCRA rights!!!

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 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I have contacted XXXX, Experian, and XXXX on numerous occasions, both by phone and mail, and tried to have them explain to me how they are verifying these erroneous reporting accounts as accurate, and they always reply with, " we obtain our information from XXXX and the XXXX system for these accounts. '' XXXX and the XXXX system are NOT the original creditors to any of these erroneous reporting accounts, and their reporting should not be counted as " verifiable ''. If these 3 bureaus can not give me satisfactory information and provide me with written proof of the creditor they talked too with complete phone number, and written proof with the name of the customer service member that they obtained the information from, or written proof of the clerk of courts name and telephone number, and written proof that they talked with him/her, then they are in violation of FCRA 611 and MUST DELETE these erroneous accounts from my credit report!!! I am a litigious consumer, and if these accounts and hard inquiries are not removed from my reports immediately, I will sue these bureaus for violating my FCRA rights!!!

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 2018-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was in process of completing a loan for the purchase of my first home with XXXX. I went into where I had my current checking account at Bank if America here in XXXX XXXX. When I went to send the wire the banker stated they would not charge me for the wire if I spoke with their mortgage banker to review their offer. I then sat with XXXX XXXX XXXX XXXX. He then described how if I wrote an email to him stating I had a certain rate and points from XXXX he would be able to match that quote. He then proceeded to write the verbiage I needed to say. He told me to copy paste what he wrote and sign it for him. The rate he gave me initially was at a 1 point cost. He said with this letter he could waive that point cost. I later found out that due to the type of loan program and amount I was putting down that Bank of America didnt even truly offer that product for my situation. I felt very uncomfortable, almost like I was committing fraud. I called my mortgage banker and explained how I felt. I realized I wanted to write this report to explain how I felt and did my own research realizing that the process of XXXX writing the letter for me and using an letter to quote match is not actually the correct process to complete a quote match.

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 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I disputed a fraudulent account that was also a breach of contract (company sold the debt and I never agreed to nor was informed of this) with Experian. Not even a week later they emailed me stating that the fraudulent account will remain on my account. I called a a couple days later requesting a copy of the dispute, what they told the company, and what the company said and they claimed their terms of service does not allow them to do that. I called XXXX and XXXX and they both said yes they would give me that information if the case was not open, so I do not see why Experian would refuse me access to information that is vital to my credit and is part of my file which is mine to look at whenever I choose. I asked to speak to a supervisor and the rep argued with me until finally giving in. I was on hold for over 15 minutes when someone picked the phone up and hung up.

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 2018-11-06 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: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
You already have received this information and you ignore these complaints. I have been scammed because your LACK of internal security measures that allowed a perpetrator to receive bank information from one of your account holders and paid this money onto my XXXX account for only to be identified as UNAUTHORIZED.. You have a serious security inside your office and should be ASHAMED of protecting not only your client but the associates that your supposed clients do business with.. As a result of your exposure I have had XXXX or so be paid into my account for a debt that was owed me to only be removed or clawed back days later to perpetrators that were paid prior to these events. In addition XXXX Admitted that there are flaws in the banking system and loop holes that allows perpetrators to scam innocent people like myself. 

IF this is not rectified and those monies put back in my account I will pursue legal issues that will show your bank and other banks these flaws that will hurt your company. I am not trying to threaten or hurt the bank, I want the monies put back in my account and you work this out with XXXX. In addition I want to have better security that people are real-time notified of changes to their accounts that would have prevented this from happening and me be out because of these perpetrators XXXX and nearly 1.5 million due to one of the ring leaders. I will expose this to the media which I really dont want to do but I may have to if this is not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: CA

Complaint narrative:
Ive made additional principle payments that would not apply to my balance they would only credit it towards the next months bill. I have always paid my car payment on time and more then the normal amount and my balance at one point actually increased. When asked to give a completed payment history they would only give me the last few months. So I was unable to find the discrepancy and figure out him my balance increased and is not going down

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 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
On XX/XX/18 Enhanced Recovery Company reported a debt of {$1200.00} owed for an XXXX XXXX XXXX creditor that is not mine. I have contacted both XXXX XXXX XXXX and Enhanced Recovery Company asking for the identification used to open this account and neither company has been able to provide that information because they do not have it and because it is not my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation