vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I sent someone to place {$220.00} into my checking account to prevent it from over-drafting on XX/XX/2019. When they got to the bank they stated that they couldn't make the deposit because their name was not on the account. Wells Fargo stated that they wouldn't take cash deposits from non-customer 's due to money laundering problems. I think this is unfair and unethical. How can you state that everyone in the bank is laundering money. They stated I could go and purchase a money order to then place the funds in my account ... what is the difference they are still both guaranteed funds. And who goes and spends money to pay themselves. I will not be adding everybody I know name to my account just to make deposits

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 2019-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
On my XXXX Credit report shows a charged off account of {$1200.00} from XXXX XXXX. I had called several phone numbers starting off with the number that was provided on my credit report. I spoke with XXXX at XXXX and she stated she could not locate an account for me and told me to call Collections at XXXX and I spoke with XXXX. She also could not locate this account and she transferred me to another department and I spoke with XXXX and he told me to call XXXX XXXX at XXXX. I spoke with XXXX and she said the account was due to a charge off from XXXX XXXX where I was a co-signer for a former Fiance. XXXX told me that the account was sold to Midland Credit and I would need to call them and follow up on making payments and/or settlement. I called XXXX and no one answered and the voicemail was full and couldn't take anymore messages. The final number I called was XXXX Midland credit management and spoke with XXXX and he could not locate my account or find out where it was. I have exhausted several attempts to settle this debt for {$1200.00} and no one can seem to find my account or accept payment. I don't know how to settle this debt or how to locate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS AND INQUIRIES ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-06-19 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: TX

Complaint narrative:
inaccurate information on credit, FTC violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On or about XX/XX/2019 I went on line to get my free annual credit report from EQUIFAX. tHE REQUEST WAS VERY DIFFICULT TO FILL OUT AND AFTER i WAS DONE THEY STATED THAT i HAD TO SEND THEM 2 i.d . 'S AND ALL SORTS OF OTHER THINGS. 2 weeks later I again tried this time ( 5 weeks ago ) over the telephone and I am still waiting on my free credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: NC

Complaint narrative:
The name of the company is Conn ; s Home Plus. I have listed some of the phone numbers that they call from. I have to actually block their number from calling me because they will call a minimum of 10 times per day. In one instance, someone received a phone call from Conn 's Home Plus concerning my account and they were not even authorized to call the number. I had to call and make a complaint to advised that if not listed, they should not be contacting anyone for me without my consent. I understand that I do owe money and have done my best to keep the account paid, life happens. However, their phone calls are pure harassment. I have received calls from a collections agency before and they were never this abusive with their collection tactics. If I was not half was not nearly fully paid off with my purchase from them, I would return the item and leave a horrible review. I have told them on several occasions that they call too much. When my dad past, I told them to stop calling while I got his funeral arrangements sorted out and they still called me the next day. Its disrespectful. I will also add that, when they call, they mask their phone numbers and it appears to be some one else 's caller id. This is not something that happens all the time, but it does happen. That leads me to believe they are using a VOIP dialing that is hard to trace. How can a company use deceitful tactics like this when communicating to their customers. 

Call Times in EDT XX/XX/19 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call Times in EDT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call Times in EDT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call Times in EDT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These calls are just a few, but I can pull my call records for more times and days and from different numbers. I honestly have to block them for the number they call. Then they just call me from another one. These calls are also in addition to two to three emails every day. I simply do not want to talk to them because they will still continue to call and send emails even if you call them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: PA

Complaint narrative:
Good Afternoon, On around XX/XX/XXXX I received an alert from XXXX. XXXX is a free credit tracking tool I have through my credit company XXXX XXXX. I received an alert regarding a derogatory account reported on XX/XX/XXXX {$340.00} balance from National Recovery Agency. On XX/XX/XXXX I opened 2 disputes through XXXX. First one was for National Recovery Agency. Second one was for XXXX XXXX Credit Card. Both which I did not recognized. On XX/XX/XXXX I received account dispute update XXXX XXXX Credit Card had been removed from my credit. On XX/XX/XXXX I received an account dispute update for National Recovery Agency confirming the information was accurate. I called National Recovery Agency provided them with the account number in the report, Name, Social Security number twice and they were not able to bring up any of my information. I called NRA a 3rd time spoke to XXXX provided her with the same information as before. She was able to pull the information based on pulling it as a consumer account. She told me the actual account was different and provided the name and dob for the person associated with the account which was not my information. She recommended for me to fax the information for the dispute I had opened to her manager XXXX fax XXXX on XXXX and On XXXX spoke to XXXX to confirm she received the documents. She confirmed she received them and will review and report back. On XXXX I received an account update the company reported the information was accurate. On XXXX I called XXXX again because I have not been able to get any resolution/evidence the bill belongs to me. They confirm they has also ask National Recovery Agency for the Social Security and they still have not provide this information to them. XXXX suggested to open another case and also file a complaint because she can see I have been doing and they have been doing everything we can to try to get more information to get it resolved. Hoping we can get this resolved with your help. If the bill is truly mines I will make sure that it is paid. I have not received any bills in the mail for this company. I called the hospital all bills are pain in full. I currently do no have anything outstanding. This pending item it is hurting my credit. It is only showing in my XXXX and not XXXX nor 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 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
On XX/XX/2019, I was contacted by a person that claims to represent Experian. 
The call originated from a cell phone number with an XXXX Alaska prefix. 
The call was received from XXXX-XXXX-XXXX  The caller told me that my credit cards were charging too much interest. The caller wanted to know who was the card issuer of the card with the highest balance and the amount of the balance. 

I told the caller I didnt have the information at the time. He said that he would call back at a later date and never did. 

This person I believe has no ties to Experian and was trying to scam me.

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 2019-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
To whom it may concern, The client XXXX XXXX who is currently being serviced by Shellpoint mortgage is in foreclosure seeking assistance and we feel as though her file is being improperly handled and also not being properly reviewed by the investor for home retention options. The file has been denied for a failed NPV test in which they are setting the NPV guidelines to something no client would be able to match. This client has an absurd interest rate of 12 % and has asked for a reduction in rate if possible along with an extension in terms as the client experienced a loss in income as her hardship and fell behind in her monthly payments to the lender. We are asking the file be reassigned and reassessed as we feel the client does qualify for assistance at this time. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: TX

Complaint narrative:
The reporting agency keeps allowing different collections agencies to re-post the same account. XXXX XXXX XXXX {$1000.00} collecting a debt for XXXX XXXX XXXX XXXX. Well the original creditor XXXX XXXX XXXX XXXX has already sent word to the credit reporting agencies, that the accounts with them were fraudulently put in my name. which were way lower at {$100.00}, & {$250.00}. now its being listed as {$1000.00}. 
This is causing me and my family financial hardship because I am not able to qualify for a house due to this hindrance on my credit report. 
Also Equifax has allowed 2 accounts from XXXX XXXX to remain on my credit even though I sent them and the original creditor XXXX XXXX XXXX XXXX numerous documents and fraud reports proving that I lived in the state of Texas when these 2 bills were incurred in Florida by someone who stole my identity. Which must have included my drivers license during that time because I looked for that old license and was not able to locate it, even though I found all of the others I have had. I plan to also submit a complaint to both the attorney general for the state of Texas and for Florida. It is not possible for them to say the other accounts were fraudulent that were done in my home state but the 2 that's not in my home state are legitimate. I also am seeking the advice of counsel that will notify me of all my options in reference to this issue and how it has had a negative impact on my and my family 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I rented vehicles on my vacation in XXXX on : 1 ) XX/XX/XXXX - XX/XX/XXXX 2 ) XX/XX/XXXX - XX/XX/XXXX We arrived at the airport on the XXXX of XXXX and were told by a salesman that our XXXX   Employee discount allowed us to get a nicer car at the same price. He tried up selling us several products for the vehicle and we DECLINED them all. We both hold car insurance policies that cover rentals, and our XXXX XXXX Credit cards and Travel Insurance also cover incidental & rentals so me and my partner declined. We ended up getting charged for a Damage Waiver enrollment ( {$43.00} ),  Roadside Assistance ( {$13.00} ) and several other fees and XXXX miles ( {$65.00} ). Some of these items were added after we left the enterprise without our knowledge. 

When we arrived back on the XXXX we noticed one of our passports were gone and also asked about some of the fee 's being corrected. We were told the manager would see to it when he was available and that they would " Take Care of us '' -- so we rented the same vehicle and extended our stay to get a new passport at the passport agency. 

on XX/XX/XXXX - XX/XX/2019 due to us noticing the passport and cash was gone we rented another vehicle and schedule an appointment with passport agency. Once we got back we noticed we were charged additional fees and a Car Class Change fee ( {$160.00} ) for the same vehicle we had! We also were charged a Time & Distance Fee ( {$65.00} ) for XXXX miles. There no way we could have driven that much because we picked it up at XXXX XXXX and spent the entire next day at the passport agency waiting in line on a first come first served basis. 

When I got back to XXXX, Minnesota I called the XXXX XXXX about 20 times then a local branch told me if they don't reply I should just dispute it because it seemed to be mishandled. 

I notified capital one of this and they reimbursed me the funds ... then several months later they charged my account take it negatively and began assessing me fees. I called to speak to the processor but I got a rep who told me management/processor would call me and that I couldn't speak to her manager. ( I have the recorded call ). I told her the FDIC Guarantees and protect my money and she told me if they allow my dispute the bank will lose money because XXXX presented a contact -- even after I told her they made changes to it after I had signed and I had specifically asked to not be enrolled in those programs. I never received a call from management or the processor. It has greatly impaired my ability to pay my car payment and pay my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I bank with Wells Fargo and had an auto bill pay set up to pay XXXX XXXX XXXX automatically every month. 

In XXXX  of this year, I paid off the vehicle and therefore cancelled the online bill pay in XXXX. 

On XXXX XXXX, the bill pay still went through for {$270.00}. I called to let them know and then once again attempted to shut off the bill pay ( I assumed the first payment went through because I did not cancel it correctly ). 

XXXX XXXX was contacted and they disputed ever receiving any payments and told me my account was closed and so the money would never hit the account. 

On XXXX XXXX, another payment of {$270.00} went through to XXXX  XXXX  XXXX. This time I called and told Wells Fargo they needed to cancel the bill pay on my behalf. I also told them that twice now XXXX claims they have no records of these auto bill pays hitting the account. Wells Fargo proceeded to file a claim for me based on the errors and the fact that the two check payments clearly were not being deposited anywhere and were essentially lost. 

For a week and a half there was no correspondence from Wells Fargo but then on XX/XX/19, they cancelled out my claim as a representative at XXXX XXXX now miraculously says they will be able to refund my money AFTER 30 days! For weeks we have been telling Wells Fargo what is going on. There were errors involved and now 6 weeks later we are out of almost {$570.00}!! 

When I became upset with Wells Fargo and the claim representative, she proceeded to talk down to me ( reading a script and talking over me on purpose ) and hanging up on me. When I call back, no one is willing to assist me.

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 2019-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
Request a Signed legal document from company. Company stated an enrollment form. Enrollment form is not a validation of debt. Requesting a signed legal document validating debt with said company. Company is using stall tactics to try to fraudulent create a document and keep reporting inaccurate information to the credit bureaus

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 2019-06-19 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: Finance System of Richmond, Inc.
State: TX

Complaint narrative:
The reporting agency keeps allowing different collections agencies to re-post the same account. XXXX XXXX XXXX {$1000.00} collecting a debt for XXXX XXXX XXXX XXXX. Well the original creditor XXXX XXXX XXXX XXXX has already sent word to the credit reporting agencies, that the accounts with them were fraudulently put in my name. which were way lower at {$100.00}, & {$250.00}. now its being listed as {$1000.00}. 
This is causing me and my family financial hardship because I am not able to qualify for a house due to this hindrance on my credit report. 
Also XXXX has allowed 2 accounts from FINANCE SYSTEM to remain on my credit even though I sent them and the original creditor XXXX XXXX XXXX XXXXI numerous documents and fraud reports proving that I lived in the state of Texas when these 2 bills were incurred in Florida by someone who stole my identity. Which must have included my drivers license during that time because I looked for that old license and was not able to locate it, even though I found all of the others I have had. I plan to also submit a complaint to both the attorney general for the state of Texas and for Florida. It is not possible for them to say the other accounts were fraudulent that were done in my home state but the 2 that's not in my home state are legitimate. I also am seeking the advice of counsel that will notify me of all my options in reference to this issue and how it has had a negative impact on my and my family 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Today I noticed an unauthorized charge of approximately {$780.00} charge on my credit card that was from XXXX of XXXX and posted to my account in the XX/XX/XXXX statement. 

I called and filed a fraud/unauthorized charge with credit card fraud department. While speaking to the representative, she indicated that this charge was placed on a card that was closed and reported lost/stolen in XXXX. The number used to make the charge was from a closed card from two year ago. 

I asked why they would allow such a charge. She indicated because the merchant demanded payment. Bank of America went ahead and added the charge to my new credit card account. This was her justification. 

Worse, Bank of America did not flag this as possible fraud and I was never notified till I saw my billing statement and my monthly payment almost doubled. 

This does not make sense, I am the customer not that merchant. Why would Bank of America allow a charge because a merchant demanded payment on a current charge from a closed account from two year ago? 

The represetnative said it would take two days to remove this from my account but that the issue would still need to be investigated. I don't care if it needs to be investiaged on their end. It was their error, and their issue it should not affect me. 



This is incompetence and intentional deceitful by Bank of America. On top of that to make me feel better the representative told me that I was not the only account holder with a similar scenario. 



I demand that aside from removing the charge from my account and my credit report that I be monetarily compensated.

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