vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I had a checking account with Wells Fargo. ( I had had this account for 16 years ). This account was linked to my Wells Fargo credit card. Each month I could automatically pay my Wells Fargo credit card bill. I had it set up so that if I took no action the minimum required payment would automatically be taken out of this Wells Fargo checking account. That way even if I got busy my credit card would always be paid on time! Out of no where in XXXX 2017 Wells Fargo closed this checking account. Because they closed this account my credit card payments on the Wells Fargo credit card were then NOT being paid. I was totally unaware of this and I do not believe that Wells Fargo did enough to notify me that they were closing this checking account. It was very surprising especially since I had had that account for so long.
Apparently they had changed their policy and this account was being closed because it did not have the required number of transactions per month. I never got a phone call to notify me of this information. To me this is especially shocking and upsetting since I had been a customer for such a long time and had a record of paying my bill on time. Then Wells Fargo started to send me letters stating that my balance had not been paid. I received the first letter on XXXX XXXX, I did n't look at the letter at the time as my XXXX child had been born the XXXX XXXX. By XXXX XXXX, they sent me another letter stating that I was delinquent on this account and that a payment of XXXX had to be paid immediately. I also did n't get this letter until several days later. Finally I got another letter on XXXX XXXX that stated that I had to pay a minimum of XXXX. This was the first time that this matter was brought to my attention and I was horrified. I immediately paid the XXXX. Even though I worked hard to rectify this situation Wells Fargo still put a hit on my credit score. This has severely impacted my credit score. Currently I am trying to buy a new home and my ability to lock in a competitive rate is being affected by my low credit score. All of this had happened because Wells Fargo closed an account I had that was paying them on time every month. I feel that this situation was Wells Fargo 's fault. As they first set me up to not pay my credit card bill, then charged me enormous fees when my payment was late and then finally they hit my credit score and damaged my credit history when none of this was my fault.

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 2017-07-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I received in the U.S. mail a one page letter from " XXXX '' credit reporting company in XXXX, Georgia that even with my final Divorce Court Order decree dated around XX/XX/XXXX, XXXX Court Case number XXXX XXXX awarding 100 % of my former single family residence to my now ex-wife effective immediately, " XXXX '' refused to " Delete '' the " Foreclosure '' negative entry off of my " XXXX '' credit report after my now ex-wife stopped paying HER mortgage sometime in XXXX. " XXXX '' told me to contact the former mortgage lender named " XXXX XXXX XXXXXXXX XXXX '' out of XXXX XXXX XXXX, Florida.
I did so in writing.
On or aroundXX/XX/XXXX, I received a two page letter from " XXXX XXXX XXXX XXXX, '' dated " XX/XX/XXXX. " XXXX '' instructed me that in order to get a " Legal Binding Release '' form to remove the negative " Foreclosure '' entry off of my " XXXX '' credit report that I had to contact their 3rd party " Real Estate Owned ( REO ) '' private contractor by the name of " Altisource Portfolio Solutions, S.A. '' out of XXXX, Georgia, which is a publically traded company on XXXX as listed : " XXXX '' ( now trading at about {$27.00} per share as of this writing ).
And I also did so in writing.
On XX/XX/XXXX-Tuesday-XXXX, I faxed and then mailed a 5 page letter to " Altisource Portfolio Solutions, S.A. '' via regular U.S. mail postage.
For nearly 3 weeks I heard nothing back from " Altisource Portfolio Solutions, S.A. '' So this time I mailed out a 2nd copy to them via the U.S. Postal Service 's " Certify Mail, Return Receipt Requested '' service on XXXX XXXX-Friday-XXXX. The company " signed '' for my letter about 4 days later but still did NOT respond. So I called them on their company 's toll free number on XX/XX/XXXX and they said that they HAD mailed out a written response.
Yet here it is on XXXX XXXX-Friday-XXXX and I still have NOT received their so-called written response.
Thus, I need help from the Consumer Financial Protection Bureau.
"

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 2017-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accelerated Servicing Group LLC
State: WA

Complaint narrative:
I spoke with someone XXXX 2017 at Accelerated Servicing Group : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, him and I ( I believe XXXX ) made arrangements to pay {$100.00} a month, I told him I 'd call by the XXXX, if not I will for sure call by the end of the month. The company has called a few times already this month ( XXXX ) and when I called " XXXX XXXX '' I told him I was calling to make a payment, that my grandfather just passed away so that is why it 's later in the month ( but still before the end of the month ) He Immediately started raising his voice saying hm ok, you are no longer trusted to make the payments and the client wants to do automatic payments. I said no, what? what do you mean? I am calling by the end of the month. I did n't even get a chance to tell him I ca n't do automatic payments because I 've had so much fraud on my bank account and it worries me. He told me my credit was garbage and that is why I ca n't be trusted. What does my credit have to do with who I am? this " XXXX XXXX '' does n't know our story nor would he care and he treated me with so much disrespect. He than said I 'm not talking to you anymore, have your lawyer call me and hung up on me. How do I work towards making payments if the person who is suppose to be collecting the payments wo n't talk to me? I am now in the middle of calling the credit card company trying to see if they will take my payments or send it to a different collection agency because I DO WANT TO PAY IT OFF but I ca n't handle the belittling and bashing from this company because the situation is n't picture perfect. I have read numerous complaints about this company and they do not care how they treat people and the only reason they get payments is because they bully people and do n't treat them like people. DISGUSTING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I took out a payday loan with XXXX XXXX XXXX on XX/XX/XXXX for {$2600.00} which I was unable to repay and XXXX XXXX XXXX enlisted the services of XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX ( XXXX/XXXX ) to collect on their behalf. I settled with XXXX for {$1600.00} and made 16 payments of {$100.00} ( totaling {$1600.00} ). Per XXXX XXXX XXXX, XXXX only sent them {$260.00} as payment on my loan and thus XXXX XXXX XXXX sold the loan to Real Time Resolutions, who began collection efforts. I sent Real Time Resolutions ( RTR ) a fax containing my bank statements documenting my 16 payments to XXXX, but they have stated that they can not prove that the payments to XXXX are linked to the XXXX XXXX XXXX account. When I called XXXX to ask for proof of my payments, a switchboard operator informed me that XXXX is no longer in business and thus can not provide me with documentation. RTR has put the account on my credit report as a collection for {$3000.00}, which is false, as I made the settlement payments as agreed to XXXX. RTR has refused to remove the account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
From direct deposits being rejected to having the account closed unexpectedly ( customer security intake rep was extremely rude ) to waiting since XXXX XXXX, 2017 to receive a check for what was left in the account, it has been a nightmare and I could never recommend capital one bank to anyone, based upon my own experience. I 've also left several messages for the customer security intake team since XXXX XXXX to find out why my check has n't arrived. I 've yet to receive a call back. I had to speak with a supervisor just for her to tell me that a check was n't sent out until XXXX XXXX. I finally received the check on XXXX XXXX and dated XXXX XXXX. The check also indicates that, I requested closure of the account which is a complete fallacy. I was never told why my account was closed.
Fast forward to today, XXXX XXXX and I am having trouble cashing the check. I just left another voicemail for the security intake because the representative in customer service says that they are the only department that can verify funds. The XXXX XXXX XXXX will not cash the check because they say Capital One has a history of returned checks and that they could n't get anyone on the phone to verify the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
CHASE CARD XXXX XX/XX/XXXX {$0.00} XX/XX/XXXXCHARGE-OFF {$8700.00} This account was reported back on XX/XX/XXXX, yet it still shows as a negative on my credit report. Also, when I worked this out with this company they advised me that there would be NO negative credit reporting as I paid a portion of the balance. This negative entry should be removed immediately ( see attached letter dated XX/XX/XXXX ). I previously filed a Complaint in connection with this ( Complaint No. XXXX ), and the company responded. However, I just received the attached correspondence and settlement check for a lawsuit against the settling agent dated XX/XX/XXXX. Clearly I was the victim of a fraudulent scheme by this company and I would ask that Chase correct my credit report to state that I settled this debt, as it was my understanding that I had done so. This is a negative item on my report through no fault of my own. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My account was frozen on XXXX XXXX,2017. Paypal Promised to release my funds at 180 days and they have not done so.Please release my {$420.00}, so I can withdraw. My case : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
DEVILLE ASSET MANAGEMENT XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX is trying to collect a debt on behalf of XXXX. I do not owe this debt. They refuse to listen to me regarding this. The amount they say I owe is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My husband and I ( XXXX and XXXX XXXX ) have a joint account at Bank of America. The recent balance in the account was approx {$24000.00}. On X/XX/2017 we were contacted by Bank of America to inform us that earlier that morning someone was able to represent himself as XXXX XXXX, successfully opened an additional joint checking account with Bank of America in XXXX XXXX 's name with a joint account holder. Neither my husband nor I know who the joint account holder is. {$140000.00} was successfully transferred to the fraudulent account. Essentially it was explained to us that my husband was a victim of identity theft. On XX/XX/XXXX I was initially assured that the money would be restored to our account and once restored I could go to the branch and close out my account that had been breached and created a new account to transfer the funds in to. Unfortunetly the funds we never transferred back to my account. I am now told that this will not happen until the fraud investigation is complete and that this could take up to 30 days! I find this unacceptable. I do n't understand why my funds have to be tied up for 30 days. We have presented proper ID at the bank and still we are told 30 days. I have been a customer of Bank of America for at least 15 years. This is not a small amount of money and I find this to be inappropriate and unethical. An investigation can continue without them holding my funds. I want my money transferred back to my account ASAP.

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 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are tax liens on my credit reports that have been paid, released, and dismissed. The records are reference numbers : XXXX for {$710.00} XXXX for {$780.00} XXXX for {$1500.00} XXXX for {$37000.00}

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 non-monetary relief
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accelerated Servicing Group LLC
State: WA

Complaint narrative:
I spoke with someone XXXX 2017 at XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, him and I ( I believe XXXX ) made arrangements to pay {$100.00} a month, I told him I 'd call by the XXXX, if not I will for sure call by the end of the month. The company has called a few times already this month ( XXXX ) and when I called " XXXX XXXX '' I told him I was calling to make a payment, that my grandfather just passed away so that is why it 's later in the month ( but still before the end of the month ) He Immediately started raising his voice saying hm ok, you are no longer trusted to make the payments and the client wants to do automatic payments. I said no, what? what do you mean? I am calling by the end of the month. I did n't even get a chance to tell him I ca n't do automatic payments because I 've had so much fraud on my bank account and it worries me. He told me my credit was garbage and that is why I ca n't be trusted. What does my credit have to do with who I am? this " XXXX guy '' does n't know our story nor would he care and he treated me with so much disrespect. He than said I 'm not talking to you anymore, have your lawyer call me and hung up on me. 

How do I work towards making payments if the person who is suppose to be collecting the payments wo n't talk to me? I am now in the middle of calling the credit card company trying to see if they will take my payments or send it to a different collection agency because I DO WANT TO PAY IT OFF but I ca n't handle the belittling and bashing from this company because the situation is n't picture perfect. I have read numerous complaints about this company and they do not care how they treat people and the only reason they get payments is because they bully people and do n't treat them like people. DISGUSTING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted 4 dispute requests,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX in regards to tax liens on my credit report. Under the new law effective XX/XX/XXXX any public record data must include name, address, SSN and DOB in order for it o appear on your credit file. The credit bureau does not have the verifiable information and the Tax liens should be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express charged my account for a company called XXXX {$110.00} on XXXX XXXX, 2017. I had cancelled this account 2 years ago, and not used it since. I had disputed charges previously with Amex 2 years back when XXXX continued to charge my cancelled account, and Amex had credited me. When I saw the charge again, a year later, I disputed again, and was given a credit by Amex on XXXX XXXX, 2017. Then Amex sent me a letter saying XXXX said I was still a member ( clearly untrue as I have not used the service is more than 2 years in any way ), and they offered no proof. They also recharged my card the {$110.00}. I tried to get in touch with XXXX again, but they have no phone # to call or email, and since I have no account with them, I could not sign into their site either. Amex also told me the charge went to a former Amex card #, not even my existing one demonstrating that the charge is fraudulent. I have tried three times to get an AMEX manager on the phone to resolve this, but they have put me on hold for many hours, and never put a manger on. The supervisor, most recently XXXX ID # XXXX, kept reading that they refused to credit me, as XXXX claims I am still using the service. I am not. Both XXXX and Amex have conspired to charge me, and may have done so repeatedly over the past two years. I am still researching my credit cards to see if Amex has improperly charged me before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I have a ulta rewards mastercard with Comenity Capital Bank. I owe XXXX paid off XXXX other week. They have now added XXXX late fee plus charge also closed my account saying that they did audit to check on my credit report and I have too many inquires on crediT report so closed. I dId n't not get any notice about closure. when I called and talked to them they were not helpful and cold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA XXXX XX/XX/XXXX {$6300.00} XX/XX/XXXX {$6300.00} CHARGE-OFF {$0.00} This account dates back to XXXX and was charged off more than 5 years ago. Yet, it just got reported on XX/XX/XXXX. There is no reason for this being reported now. Also, when I worked this out with this company they advised me that there would be NO negative credit reporting as I paid a portion of the balance ( see attachment ). This negative entry should be removed immediately. I previously filed a Complaint in connection with this ( Complaint No. XXXX ), and the company responded. However, I just received the attached correspondence and settlement check for a lawsuit against the settling agent dated XX/XX/XXXX.  Clearly I was the victim of a fraudulent scheme by this company and I would ask that XXXX correct my credit report to state that I settled this debt, as it was my understanding that I had done so. This is a negative item on my report through no fault of my own. Thank you.

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 2017-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment on the date below : XXXX 2016 I am not sure how this happened. I believe that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are tax liens on my credit reports that have been paid, released, and dismissed. The records are reference numbers : XXXX for {$710.00} XXXX for {$780.00} XXXX for {$1500.00} XXXX for {$37000.00}

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 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are tax liens on my credit reports that have been paid, released, and dismissed. The records are reference numbers : XXXX for {$710.00} XXXX for {$780.00} XXXX for {$1500.00} XXXX for {$37000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Common Wealth Finance is trying to collect a medical bill that does not belong to me. Amount of debt is XXXX.

Company response to consumer: Closed with explanation