vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc.
State: SC

Complaint narrative:
This company is continually calling my office : Atlantic Credit & Finance , Inc . XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXXXXXXXXXX If I am ever going to have a chance to pay off debt, I need this job. I need to have this stop immediately, can you please help before I get fired.

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 2017-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX sent me a collection letter on an account that was closed two years ago. The original company electric, XXXX XXXX went out of business and was transferred to another company. When the service was transferred, I had no balance. I have since moved and today I received the collection letter saying I owed XXXX. I contacted XXXX XXXX and they said they did n't know why a collection agency was contacting me as I had a XXXX balance. I know this seems like an insignificant amount but I use XXXX XXXX XXXX to finance my education and I can not have any type of collection or adverse credit marks on my report.

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 2017-08-01 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: FL

Complaint narrative:
I CHECKED MY CREDIT FILES AND FOUND FRAUDULENT INFORMATION I NOTIFIED THE THREE CREDIT BUREAUS AND WAS ADVISED BY THEM TO GET A POLICE REPORT I DID AND MAILED IT OFF WITH THE FRAUDULENT ACCOUNT INFORMATION. THE FRAUDULENT INFORMATION IS ( XXXX XXXX XXXX XXXX XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: FL

Complaint narrative:
I CHECKED MY CREDIT FILES AND FOUND FRAUDULENT INFORMATION I NOTIFIED THE THREE CREDIT BUREAUS AND WAS ADVISED BY THEM TO GET A POLICE REPORT I DID AND MAILED IT OFF WITH THE FRAUDULENT ACCOUNT INFORMATION. THE FRAUDULENT INFORMATION IS ( XXXX XXXX XXXX XXXX XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: NC

Complaint narrative:
At the beginning of XX/XX/XXXX, my husband and I started the home buying process. We quickly were stopped in our tracks because of a collection account that was on my credit report. This account was from NCC Business services and this was the first time I had been made aware of this account. The apartment complex is XXXX XXXX XXXX in XXXX, NC. I paid XXXX XXXX Apartments when I moved out XX/XX/XXXX. When I turned in my keys, no one at the apartment complex informed me of any monies owed. I never received a letter, email or phone call from XXXX XXXX XXXX. I reached out to NCC Business services on several occasions. On XX/XX/XXXX, I sent out a letter requesting them to validate the debt ; they replied and sent back random pages of my lease agreement, which did not prove or validate the debt. I sent another letter on XX/XX/XXXX to once again validate the debt. The replied and sent back a ledger from the apartment complex that had numerous fraudulent charges including, but not limited to " pet damage ''. I just mention that specific one as I did not own a pet at that residence and the apartment complex verified that. I called the apartment complex, XXXX XXXX XXXX XX/XX/XXXX and spoke with the lease manager at which time she could not verify that I owed these monies and told me it was " out of her hands now that it was sold to the collection agency. '' I informed her that I never received this ledger or notification that I owed them money. Her reply was that they did n't have a forwarding address, so they could n't send it to me, although I noted to her that they did have my email address and phone number, to which she agreed. They did agree to take off the " pet damage '' charge, which they did, but would not take off the other charges. I would like to dispute this charge as it is keeping me from buying a home and it is fraudulent. I also asked NCC Business Services that if I paid it in full ( hypothetically ), would it be deleted off of my credit report. NCC replied and stated that it would not be deleted, just noted that it was " paid in full. '' This is not helpful, as the collection will still be visible to lenders and will still keep me from purchasing a home. This should not be the case. If they can not prove that I owe them, especially since they did not do a walk through on the day I moved out, this should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I requested online my free credit report from Transunion and was charged {$19.00} for a report that is, by law, supposed to be free. I want my money back. I am not able to get a hold of any service representatives on their Customer Support services. There is no way of actually talking to a human being.

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 2017-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On X/XX/17, Wells Fargo wrongfully charged an overdraft fee in the amount of {$35.00}. Upon viewing my checking account 's balance just that morning, there were more than enough funds to cover the charge that they are claiming incurred this fee, which was {$61.00}, paid to XXXX. When I point this out to them, they blame me and refuse to correct their mistake. Please assist.

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 2017-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Clear Debt Solutions, LLC
State: CA

Complaint narrative:
starting in the beginning of XX/XX/XXXX I started receiving calls from CDR assc. about some kind of debt, i asked what kind of debt and they respond with they need my SSN # to proceed, i told them i was not going to give that information out over the phone and send me in writing a copy of the debt they were trying to collect. as of this date they have n't sent anything and called two times a day both on cell and house  phones, saying they were going to contact my employer as well. I have no idea about this company as XXXX serch reveals nothing. The number they are callinf from is an XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint against Chase bank in regards to fraudulent activity done on my account. On XX/XX/XXXX I received a letter from Chase in response to my complaint. In the letter it states that on XX/XX/XXXX, 9 checks for {$4200.00} were deposited into my checking account ending in XXXX. Those 9 checks were deposited fraudulently in XXXX XXXX XXXX in XXXX XXXX, IL. In turn those checks were returned and subtracted from account balance but not after funds were already taken out from that account to a Company named XXXX XXXX XXXX, in XXXX, IL. Along with these fraudulent deposits these persons had full access to my account online and they were able to transfer funds from my other accounts ( {$1600.00} ) and do ATM withdrawals. According to Chase in their letter I was denied this claim due to fact that they state that i was monitoring my account online during the time of the transactions had occurred and that I did n't immediately notify Chase to the fraudulent activity. When I originally filed the complaint I did n't go into much details, and only received one phone call from Chase and it was only to inform me that they were in receipt of my complaint and that they were working on it. But not once was I contacted to verify these facts they so called found in their investigation to explain what in reality had happened, I was in constant communication with Chase from the moment I found out such activity was being done in my account. I spent 2 full weeks going daily to the local branch trying to resolve this issue for Chase to come with this XXXX letter of explanation without referring to me for confirmation on the occurrence of the events. When I was aware that they had access to account online I called Chase and made them aware of what was happening and they helped me gain access of my account they reset passwords etc. They should have records or recording in regards to all these calls involved in this matter as for they were so many and they went on for 2 weeks straight trying to resolve this matter. I can even tell you the Branch I went to daily and find out the name of the branch manager that tried to help in this matter. I am willing to submit all the documentation I can find of the proof that I did go to Chase immediately to report the fraud on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diversified Adjustment Service, Inc.
State: VA

Complaint narrative:
I received a bill over 2 years ago from XXXX regarding a phone bill for service that was transferred to another carrier following my leaving employment with the company. I escalated the issue to a vp regarding the charges, they agreed that they were invalid and agreed to resolve. A family member contacted me today saying they had received an email from this company with a confidential matter. Why was it sent to a family member and not me? They exposed my mailing address and did not verify the account when I called in regarding this breach.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
I have a {$94.00} medical debt that 's negatively impacting my credit score. I called the company to set up a payment plan to get it paid off and removed from my credit score. I am pursuing payment for  deletion of the account from my score. The first man I spoke with tried to indicate to me that I owed {$110.00} and change, which is incorrect. My credit report and the bill from the original medical company both confirm the amount is {$94.00}. He then corrected and confirmed the amount. I requested our agreement of payment for deletion be put in writing, for my records and an assurance that it would definitely be removed. The representative said that he could not do that, at which point he transferred me to his supervisor in case she could. When XXXX XXXX, collections manager, picked up, she refused to acknowledge the {$94.00} bill and instead insisted that she 's legally allowed to charge me interest on a MEDICAL BILL on behalf of her collections agency. This is illegal. She attempted to bully me into accepting the {$110.00} amount, was extremely condescending and suggested I do " research so that I know what I 'm talking about ''. I then requested a copy of my recorded call with the male representative and her be sent to me for this report. She refused to furnish copies of the records of my communication with the male ( in which he promised the correct amount was due and a deletion upon payment ), and told me her line was private and unrecorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On  XX/XX/XXXX  my wife & I went to Bank of America (   XXXX   XXXX   XXXX   XXXX  ,  XXXX  WA ) to close our account. We were told to close our account, we would need to withdraw all of our money, then call their customer service number and instruct them to close our account. We did this and were told our account was then closed.
On  XX/XX/XXXX  an automated charge went through. Since it was pending, Bank of America automatically reopened the account. That has caused more funds to be drafted from the account and they have levied fees against us.

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 2017-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
Had an auto loan with wells Fargo in 2009. Hit some hard times as a single father after I was left by my son 's mother. Tried to work with the bank on making payments. Every month I would call in and talk with wells Fargo. It was to the point the only payment option was to   XXXX   XXXX   the money in. I called in to let them know I was just getting out and had to go home to get the cash to pay up the account and do the next month in advance. The rep on the other end told me not to bother making the payment. They would be taking the car back. I asked to talk to a supervisor and was told I could n't. Said I was making the payment ether way. I drove home took 30 minutes. Not even 5 mins after getting there the tow truck showed up to pick up the car. Talked to the driver he told me to call in. Second call of the day told the woman on the other end what I had already told them before. Even told her to ask the driver how much cash I had in my hands at the time about 2000. She talked to the driver for just a min and they took the car. After that made attempts to call in to resolve the past due balance the only thing they would take was the full balance. I told them it was n't possible and that I had the past due and the next month 's payment and they refused to take it or allow me to go make the payment. Said that if they would n't take it then them taking the car back would be the end of the loan. They sold the car for just  XXXX . Now over the past six months I have been trying to deal with the same loan. They have now been sending court documents and other things to my old address I have made multiple attempts to contact the lawyers office to only get voice mail. Have given my new address every call still they have n't changed anything. They even garnished my wages from my last job. Now the balance owed was over 11000 and they have took over 1500. I feel I have been blocked at every turn from the loan payments to the court orders and judgements in their favor as I was unaware of several court dates due to the lawyers repeated refusal to talk to me or update their files.

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 2017-08-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On my credit report for my payments made for my  XXXX  credit card in (   XXXX   2017 it is coded as ND no data ) And it is showing up on my credit report as no data. I have had the credit card that was opened up in  XXXX  2017 with payments made on time from  XXXX ,  XXXX ,  XXXX  2017.
They are reporting ND- No data for the month of   XXXX   2017 for my  XXXX  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 2017-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
I received a 3 letters from seasoms & rogers, P, A, ATTORNEY AT LAW 0N XXXX XXXX, 2017 they are saying that i owed to XXXX XXXX XXXX {$9.00} XXXX county case no. XXXX XXXX {$1500.00} XXXX county case no XXXX XXXX {$9600.00} XXXX county case no XXXX XXXX but, this account have been removed all from my credit report and from credit bureau because they were WERE NOT my accounts so the credit bureau removed them all they are no longer in my credit report but this company sessom ragers still harassing me and keep sending this letter with the police come knock on my my door all the time keeping sending me this letter all the time and they got my last four number of my social number but not all my social security of it so everything with company it is a wrong doing to my life i do not owed that is not my and i want this company to removed my name from their office i am not having anything to do with all this charges are not my they do not have all my social number they have only provide me last four number only i want this company to stop harassing me now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
Hello to whom may read this, I have been working on Quality Recovery Service collection company for approximately 2 years and I requested for an removal from my XXXX credit report which debt has been paid in full. The date collection was filed on was XX/XX/XXXX, updated status is paid and full as of XX/XX/XXXX in the full amount of {$4200.00} balance is now at XXXX ( XXXX ). I have also submitted attachments far as explaining the account has been paid in full. I have worked with XXXX XXXX as well to help me remove this collection and they have challenged this collection for a year ( exact date XX/XX/XXXX ). I have made my payments for deletion and nothing has been removed. Please with your help to seek the satisfaction of removing from XXXX credit report ( see attachment )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I contacted Wells Fargo to request loan modification as I lost my job XXXX XXXX and was out of work until XX/XX/XXXX. I was late submitting XX/XX/XXXX's payment and contacted WellsFargo to assist in this matter. I was awaiting my first check from my employer and I requested a withdrawal from my retirement account to cover the mortgage. When I received these monies, I made XX/XX/XXXXand XX/XX/XXXX payments. It posted, but I received a notice from WellFargo regarding my account being delinquent. In the meantime, I completed a loan modification application with the attached requested documentation. XXXX XXXX ( first loan specialist ) denied receipt of the documents. My case was reassigned to XXXX XXXX, loan specialist. I have explained the circumstances that led to my need for assistance. In XX/XX/XXXX I was out of work for six months. I resumed work XX/XX/XXXX. My income changed dramatically as I went from making XXXX XXXX to XXXX XXXX. The mortgage is {$370000.00} and the monthly payments are {$2200.00}. With the decreased income I can not make the mortgage. When documents are submitted, they are either not received or additional requests are made by the specialist ( s ). This matter is sensitive to me and I do not believe it is being taken seriously. For example, yesterday I spoke with loan specialist XXXX XXXX and while on the phone she reviewed my submitted documents and advised me of what I needed to clarify : " Good afternoon XXXX, I completed reviewing your documents and these are the corrections that we discussed. Please provide the following : Signature page of XX/XX/XXXX tax returns Please date the letter regarding not receiving a payment for rent Please sign a statement regarding the employment that you provided Additionally, I will need your XX/XX/XXXX & XX/XX/XXXX check stubs ( not previously requested ) Please complete a real property schedule to include your rental property and your residential property ( not previously requested ) Please enter the amount of the total rent on your rental agreement to equal the payment from the renter and section 8 Correction to page 3 of mortgage assistance application. Please answer all questions. Section 8 approval letter ( not previously requested ) ''. While I understand that there may be a need for additional documentation, I do n't expect that the same documents are requested repeatedly. I am concerned that my credit rating will be damaged and I may be forced to foreclose.

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