vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2019 my Wells Fargo credit card billing cycle restarts. 

I checked my account on my mobile app, it listed my available credit at {$5.00} I know that when my next billing cycle begins, the interest charges are applied soon after, but they had not been posted on my account yet. 

So, acting in good faith, I make a deposit on XX/XX/2019 and I use the money I deposited to my Wells Fargo checking account to make a {$50.00} payment to the Wells Fargo credit card account mentioned earlier. 

No problem yet, the app accepts the payment and then lists my available credit at {$55.00}. This was all on XX/XX/2019. Interest charges had still not been posted and I thought my account would be protected from going over the limit. 

I wake up this morning, check my credit card account and Wells Fargo has slipped in the interest charges in the amount of {$41.00}. This put my card over the limit and it did not consider my {$50.00} payment made on the same day! 

Keep in mind that on my end I did not see these interest charges posted on my account and I thought I was acting in good faith to prevent this situation. This will hurt my credit score. It also affects my minimum payment because since it listed the interest charges as posting BEFORE that {$50.00} payment I made, it is considering my card as if it went over the limit and I had made the payment afterwards. 

But, you can see on my end that the opposite is what I expected to happen. I made a payment BEFORE the interest had posted. My available credit was listed as higher than the interest charge I just received, yet my account is listed as over-the-limit and demanding payment. 

I contacted Wells Fargo and was passed around ( as usual ) between customer service reps who obfuscated and ever turn and were not very nice or helpful. This is not the first time Wells Fargo customer service has seemed to not only not be interested in helping or working with me, they also make me feel like its always my fault. I feel taken advantage of and Im fed up. 

I do not have a lot of money. For me to act in good faith, make a payment before the interest posted and then have the interest duck under that payment puts me in the situation that I was trying to avoid. To make it worse, I have to waste my time ( potential time which I could be earning money to help pay down this credit card ) and literally FIGHT with customer service to even understand where I am coming from and they have crushed my spirit. Please help, I feel powerless to stop them or get them to work with me. Ive tried.

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 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I never established credit ever. I never applied for any credit my whole life. started to learn about credit 6 months ago. I made a XXXX XXXX  and see someone has been using my identity years ago for credit cards. I didn't give anyone access to my personal information. Below are the accounts. 


1 XXXX XXXX XXXX XXXX opened- XXXX XXXX XXXX XXXX 6 yrs, 4 mos XXXX amount {$0.00} 2 XXXX XXXX XXXX opened- XXXX XXXX XXXX XXXX 2 yrs, 5 mos XXXX amount {$280.00} 3 XXXX XXXX XXXX -opened- XXXX XXXX XXXX XXXX 7 mos XXXX amount {$550.00}

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 2019-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
This company during a phone conversation asked me for personal information like birthdate and Social Security Number. What is unethical is that I was told by the mortgage representative we were speaking on a secured line. I am a XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the phone line is NOT secured. This practice is performed by many financial institutions and they really need to adopt a hybrid approach of getting the information. Like having the applicant go to a secure online site to provide the requested PII. This practice of telling people they are talking on a secured line is one of the reasons people have their identities stolen. Please, please change this horrible practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I had an auto loan from Westlake Financial Services for a car opened on XX/XX/XXXX and closed on XX/XX/XXXX. There was an accident where the car was totaled in XX/XX/XXXX and the other drivers insurance paid for the car in full. Under my XXXX credit report, it states that the account is still open and an incorrect balance of {$5800.00} still due. I've disputed the accuracy several times and each time it comes back completed, no information has changed, and the account remains open with the same balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I opened two accounts with HSBC in person - savings and checking. The month prior I had received a promotional card by mail stating that I was eligible to receive an {$800.00} cash bonus by depositing {$100000.00} in the combined accounts and maintaining it for 90 days. I redeemed this card with the branch relationship manager and believe it was valid/unexpired, bonafide, and targeted at me. 

On XX/XX/XXXX, I transferred {$220000.00} into these accounts and today still maintain a balance of over {$170000.00}. At no point did the balance drop below the {$100000.00} threshold ( see attached ). 

In XX/XX/XXXX I noticed that the {$800.00} bonus had not been credited. On XX/XX/XXXX and XX/XX/XXXX, I had a series of correspondences with HSBC via their BankMail platform ( see attached correspondences ) to inquire why the {$800.00} had not yet been credited per the terms of the offer. HSBC stated that after maintaining the $ 100k+ balance for 90 days, I had to wait an additional 8 weeks for the promotional credit to arrive in my account. As of XXXX XXXX, 172 days had elapsed since the deposit was made ( 90 days plus 11 weeks ). 

On XX/XX/XXXX, I had followed up again with HSBC via BankMail ( see attached ). I was then informed that my " account is not eligible for the welcome bonus offer as the application form was rejected either valid personalized code or invalid account number submitted. '' Please note that I personally did not fill out any application form to redeem the offer ; I simply handed the offer card to the relationship manager, who then processed it. On XXXX XXXX XXXXXX/XX/XXXX, I emailed the relationship manager ( who initially said he would look into it ), and I subsequently followed up several times ( see attached ), but did not hear any response back. 

At no point prior was I informed of any issue or asked to correct any incorrect documentation, which was processed by the branch relationship manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had an auto loan from XXXX XXXX XXXX for a car opened on XXXX of XXXX and closed on XXXX of XXXX. There was an accident where the car was totaled in XXXX of XXXX and the other drivers insurance paid for the car in full. Under my Transunion credit report, it states that the account is still open and an incorrect balance of {$5800.00} still due. I've disputed the accuracy several times and each time it comes back completed, no information has changed, and the account remains open with the same balance.

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 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I noticed on my credit reports that there is a collection on it that does not belong to me as a result of fraud or identity theft. XXXX, XXXX account number : XXXX is the collection agency. They are reporting that I owe XXXX dollars. The credit reporting agency TransUnion is allowing the fraudulent information to be reported after I have contacted them and verified that I do not have or never had an account with XXXX, XXXX. It is illegal to report inaccurate information. The account is not mine.

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 2019-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio America Asset Management, LLC
State: TN

Complaint narrative:
the company debt collector, portfolio recovery associates XXXX XXXX XXXX XXXX va XXXX amount of debt XXXX the company was notified when we noticed the amount on my credit report, i disputed the debt XXXX XXXX replied it was fraud, portfolio keeps contacting me by phone and by letter about this debt, i have sent them letters, and also the document from XXXX XXXX showing it was fraud, portfolio continues to disregard the fcra and fdca, and they are abuseive on the phone, this has been going on for month, the address they show on the debt i never lived at ... this was told to them they continue to hound me and persist i fill out papers for them that consist of what their job is for i refuse to give them any of my info much less do their job for them, i can attach letter i have sent them even by email

Company response to consumer: Untimely response
Consumer complaint received 2019-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I have been with Amerihome Mortgage since closing in XX/XX/2018. Currently, I'm enrolled in a program to pay my mortgage bi-weekly. We recently changed bank accounts which required me to update my account information with Amerihome. I contacted Amerihome by phone and email. I emailed in a new drafting form 10 days before my payment was due. Amerihome failed to update my information timely, which resulted in an attempted draft on my closed account. I contacted Amerihome by phone numerous times and not a single person was able to assist at getting my information changed. I finally mailed in the same form with a check for the amount that was returned from my closed account. 10 days later, they have yet to process my payment nor my new drafting form. I have called in numerous times and nobody is ever able to assist or offer a solution to solving the problem. This company is a nightmare at trying to handle the smallest issues of simply making a payment. I am now concerned by their lack of timely action that they may attempt to report a late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/19, shortly after using my credit card for a purchase, I received a text message from XXXX stating " Notice XXXX from Chase-Bank Code : Card temporary locked. Please call us now at XXXX " When I called, I was asked to enter my " debit card number, '' and immediately hung up. I don't have a debit card with Chase Bank, and I realized my credit card was with another bank. I called the number on the back of my card, and there was no lock on my account. I also called Chase Bank to report it. They had not made the call. I have since heard from someone else in my geographical area who received the same message from Chase-Bank. I just wanted to report this possible scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I never established credit ever. I never applied for any credit my whole life. started to learn about credit 6 months ago. I made a XXXX XXXX and see someone has been using my identity years ago for credit cards. I didn't give anyone access to my personal information. Below are the accounts. 


1 ) XXXX XXXX XXXX- opened- XX/XX/XXXX ( 6 yrs, 4 mos ) amount {$0.00} 2 ) XXXX XXXX opened- XX/XX/XXXX ( 2 yrs, 5 mos ) amount {$280.00} 3 ) XXXX XXXX -opened- XX/XX/XXXX XXXX 7 mos ) amount {$550.00}

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 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I never established credit ever. I never applied for any credit my whole life. started to learn about credit 6 months ago. I made a XXXX XXXX and see someone has been using my identity years ago for credit cards. I didn't give anyone access to my personal information. Below are the accounts. 


XXXX ) XXXX  XXXX XXXX- opened- XX/XX/XXXX ( 6 yrs, 4 mos ) amount {$0.00} 2 ) XXXX XXXX- opened- XX/XX/XXXX ( 2 yrs, 5 mos ) amount {$280.00} 3 ) XXXX XXXX -opened- XX/XX/XXXX ( 7 mos ) amount {$550.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Friday on XX/XX/2019 at around XXXX I was scammed by someone claiming to sell tickets. I've never been scammed before so this came as a shock. I transferred {$80.00} through XXXX with XXXX and then the person committing fraud blocked me and I never received my item. I called my bank ( Chase ) as soon as it happened and they told me they will not refund the money or even dispute it. XXXX will not even talk to me because the money was transferred through my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed on my credit reports that there is a collection on it that does not belong to me as a result of fraud or identity theft. XXXX, XXXX account number : XXXX is the collection agency. They are reporting that I owe XXXX dollars. The credit reporting agency XXXX is allowing the fraudulent information to be reported after I have contacted them and verified that I do not have or never had an account with XXXX, XXXX. It is illegal to report inaccurate information. The account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I noticed on my credit reports that there is a collection on it that does not belong to me as a result of fraud or identity theft. XXXX, XXXX account number : XXXX is the collection agency. They are reporting that I owe XXXX dollars. The credit reporting agency XXXX is allowing the fraudulent information to be reported after I have contacted them and verified that I do not have or never had an account with XXXX, XXXX. It is illegal to report inaccurate information. The account is not mine.

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 2019-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Received a text on my phone claiming to be from wells fargo, stating my debit card had been locked do to suspicious activity ... asked me to call XXXX..notice # XXXX to fix my problem..called w.f ... told me my card was good ... probably a scam ... did not call ... .. Thanks for your help. ( called on XX/XX/2019 ).

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 2019-05-11 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: TN

Complaint narrative:
the company debt collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX amount of debt XXXX the company was notified when we noticed the amount on my credit report, i disputed the debt captial one replied it was fraud, XXXX keeps contacting me by phone and by letter about this debt, i have sent them letters, and also the document from capitol one showing it was fraud, XXXX continues to disregard the fcra and fdca, and they are abuseive on the phone, this has been going on for month, the address they show on the debt i never lived at ... this was told to them they continue to hound me and persist i fill out papers for them that consist of what their job is for i refuse to give them any of my info much less do their job for them, i can attach letter i have sent them even by email

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I submitted a FTC Fraud affidavit to Equifax, XXXX, XXXX   and Us department ED. In my credit report there is a report that I opened a student loan in XX/XX/XXXX. I have never had a student loan in XXXX, XXXX responded in 10 Days and Stated they could not validate account from US DEPT OF EDXXXX, and in the back file there was no document to validate account, there result of dispute was to delete from file. 
XXXX also responded that the US DEPT OF EDXXXX also could not validate with any documentation and they had none on file as well, XXXX Result : could not verify delete. US DEPT OF ED has not even responded at all. BUT now EQUIFAX on the other hand must have a better way of doing there investigation cause the investigation results was they validated this account and there files has a documentation to validated this account, know this according to the person I talked to on the phone, I asked for them to send me not only the results but all documentation that supports the validation its known as a back file which is require by law to be keep to verify an account, there also required by law to disclose and show it upon request. I requested they provide the information used to validate this count, she said she send my the results only I ask for a supervisor, XXXX I believe she said her name was, I ask for the back files the supported there claim that it was validated. she assured it was validated by electronic means that the US DEPT OF ED stated it was mine and they don't keep documentation on file for account only what a company tells them, Know to make it clear this conversation was recorded my end which is being transcribed, Oklahoma is a one party consent state, and I knew the conversation was being recorded, I also informed the other party that I was recording she keep going on about whats she was not going to do and only send me the results, Now that I have all that I need to file in federal court against EQUIFAX, I have the recording, I have the Fraud affidavit filed and certified mail to Equifax, there results and XXXX results, XXXX Results, I have enough to prove my case that Equifax is being paid by the US DEPT OF ED to keep the account on report to oppress my credit to get me to pay for an account that's not mine. I will seek {$1000.00} per violation and {$75000.00} for defamation of my credit worthiness. I'm tire of disputing with Equifax and them not investigating, so I will ask for montery this time for the time they keep wasting of mine, PLEASE FILL FREE TO CHECK XXXX for my NAME, THAT WOULD SHOW ME VS. XXXX in the XXXX DISTRICT FEDERAL COURT OF OKLAHOMA, THIS IS WERE I WILL FILE SUIT AGAINST EQUIFAX, If I don't get any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/2019 i sold ELECTRONICS to a buyer. The buyer paid through PayPal and i shipped the items to the buyer. Tracking information showed the items as being delivered. Buyer also contacted paypal and advised them that they had received the merchandise in condition as described. PayPal closed my account and says i have to wait 180 days to receive the funds without any explanation. There are numerous reports of them doing this to people and they never get their money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
I've reached out to XXXX, XXXX & XXXX XXXX about a company reporting a car repo on there perspective credit reports. XXXX XXXX XXXX is reporting a wrong start date. They're reporting a start date of XX/XX/XXXX which is incorrect. I have made several attempts to resolve with the company and reporting agencies, including XX/XX/19. According to the law, these item has to be removed from my report for report wrong information.

Company response to consumer: Closed with explanation