vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have XXXX XXXX and struggle every day trying to process information. Working with Wells Fargo to resolve issues with our XXXX Wachovia/Wells Fargo HELOC has been difficult. The last written reply dated XX/XX/XXXX required approximately 2 months to research. However, the research was based on an error by Wells Fargo ( used XXXX instead of XXXX statement ). Furthermore, Wells Fargo maintained that the account was handled correctly, no action is needed since NO ERRORS occurred. Their continued deceptive practices have made it impossible for me to understand. My wife spent countless hours and identified several errors in EVERY RESPONSE since  XX/XX/XXXX. Attached are the errors identified by my wife in their account statements and Recalculation of Interest table. The written responses speak for themselves. These customer care and recovery specialist skill levels are highly questionable. No effort was made to help us when physically speaking to a WF staff regarding my XXXX and difficulty understanding their response and monthly account statement.

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 2019-08-28 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2019-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX called me in XXXX to collect a debt for the doc that XXXX my son. I set up a payment arrangement and started investigating why my XXXX wasnt paid by my insurance company but the hospital was paid and The XXXX that administered my XXXX was paid everybody except XXXX was paid for the XXXX   XXXX  and hospital stay. Once I talked to my insurance company and found that they had never received a claim from my XXXX  for the XXXX  of my son I then contacted my XXXX/XXXX ask them for a copy of the medical claim that was denied and now the debt that I owe for this once I got this paperwork in the mail I found that they had never build my insurance company they actually sent the claim to a wrong or incorrect insurance company. Also When I was looking into this debt I asked XXXX when and who sold my debt to them. XXXX gave me the number for a trucking company. Im called back and told they gave me a trucking companys number and they told me to call back and talk to someone that this was a legit company. So I called back and the lady at the trucking company told me no we do not collect money and we are not a collection company. So I called XXXX back and told them this information and they put me on hold so long over and over so I just kept getting cut off basically. I found out from my insurance company that the claim was never sent to them it was sent to the wrong insurance company so When the claim was denied because I wasnt a policy holder it was because it wasnt my insurance company. I called XXXX at XXXX and cancelled my payment arrangement with XXXX and told them it was because I can pay the doctor directly because they hey mistakenly billed the wrong insurance company the lady yelled at me and told me I still owed this money and that I was a liar. They are now calling me again to try and collect more money. I continue to to contact my XXXX billing department and I leave messages telling them they billed the wrong insurance company and that I will them directly I have already paid {$400.00} on this to XXXX and now I will set up automatic payments with XXXX XXXX XXXX but no one will respond to my messages. Please stop XXXX from collecting on people I have proof that the wrong Insurance company was billed and this is way out of control. XXXX calls me 10 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: WI

Complaint narrative:
XXXX XXXX is a debt collection company that sent a letter to me in XX/XX/2019 stating I owed money. I sent a letter to them within one week of receiving this explaining that this debt did not belong to me and that I was disputing it and asked for legitimate proof that this was a factual demand. They provided me with a fictitious statement created in their office alleging that this money was owed to XXXX XXXX XXXX but that I had to pay them. In XX/XX/2019 XXXX XXXX appeared on all 3 of my credit reporting bureaus. I disputed all 3 credit bureaus and all but 1, Equifax, removed XXXX XXXX because there was no basis for their claim. I have disputed XXXX XXXX to Equifax 3 times and they keep coming back saying it's legitimately belonging to me. XXXX XXXX and Equifax are destroying my credit/FICO scores by their false claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
PLEASE LOOK INTO THE FOLLOWING NEGATIVE ACCOUNT : XXXX XXXX XXXX IS DISPLAYING AN UNPAID CHARGE OFF AMOUNT OF XXXX AND DOES NOT SEEM TO COME OFF OF MY CREDIT REPORTS. THIS WOULD BE MY SECOND TIME AROUND DISPUTING THIS. AND IT IS UNFAIR. PLEASE REMOVE THE ACCOUNT BECAUSE IT IS RUINING MY CREDIT 'S REPUTATION.

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 2019-08-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
PLEASE LOOK INTO THE FOLLOWING NEGATIVE ACCOUNT : XXXX XXXX XXXX IS DISPLAYING AN UNPAID CHARGE OFF AMOUNT OF XXXX AND DOES NOT SEEM TO COME OFF OF MY CREDIT REPORTS. THIS WOULD BE MY SECOND TIME AROUND DISPUTING THIS. AND IT IS UNFAIR. PLEASE REMOVE THE ACCOUNT BECAUSE IT IS RUINING MY CREDIT 'S REPUTATION.

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 2019-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am filing a complaint today against Bank of America.They acted like they were going to help me keep my account open.They manipulated and deceived me into thinking that.They were going to work with.They changed my account at my authorization to a different account.I allowed them to do it based on thinking they were going to help me.The rep that changed over the checking account to another account and closed checking account assured me that I would be helped.He assured me that I would be able to get an payment extension/Arrangement.Due to me being out on sick leave for months and not working the account got very overdrawn.I was able to work due to XXXX  and XXXX XXXX I have.XX/XX/XXXXXXXX and XX/XX/XXXX.I wasn't able to work.I am now back to working.I now work for myself.All I am asking Bank of America to do is work with me and keep their promises they made to me.I want to pay off the account.I am also asking them work with me in crediting the nsf fees or some of the 35 nsf fees.

I would like account to be reopened and or be able to open up an account.I was told 3 different dates by 3 different representatives.I was told that my account would be charged off the XXXX,XXXX and XXXX. 

I also have an unauthorized debit claim on file.Which I haven't receive the affidavits in the mail yet.I want a full investigation in to the unauthorized debit.I am willing and able to comply with the investigation.I am just wanting for the affidavit to come in the male from Bank of America.The account was charged off.I want my full claim credit.I was also wanting for the affidavit to come in the mail.So I could fill it and so I could adjust the claim credit and pay off the past due overdrawn amount.They haven't investigated my claim yet.Again I am still waiting on the affidavit.I don't think the account should have charged off until the investigation was completed. 

The claim # is XXXX ... Again I never received by any affidavit.So I can comply with the claim investigation.I am waiting on the affidavit. 

I don't think the account should have been charged off.Due to the claim on file and the promises the Bank of America Rep made to me ... When I called in on the XXXX XXXX.I would like to be removed from XXXX XXXX.I should not be there.The account should not had been charged off.There has been a lot of miscommunication.

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 2019-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
They say I owe on a capital one account and give the last four digits to my social security card but Ive NEVER had a capital one account ever! They are call constantly to my home, cell phone and all my family members repeatedly. I would like them to stop! I NEVER HAD THE ACCOUNT NEVER!!!!!!!!!!!!!!! 
Constant harassment!!! 
Im also filling a complaint with the District Attorneys Office!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one will not allow my to release my banking info to third party apps such as XXXX or XXXX. I should be able to release my data to anyone I so choose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2019-08-28 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My husband and i purchased a home in XX/XX/XXXX. Our mortgage was sold to Wells Fargo and the 1st payment was due in XX/XX/XXXX. We set the payment up on Wellsfargo online and figured all was ok. I received a call 3 months later stating that we are 3 months behind on our mortgage and owe a balance of over XXXX. I immediately paid this over the phone and asked why the online payments never came out and why is this the first i'm hearing of this?. The representative said we never set it up. NOT true. I never received a call, email, letter, nothing trying to retrieve the payment until the call i got 3 months later! if you look at our credit, in the 54 years of us being married, never have we ever ever missed 1 mortgage payment. ever and we can not get them to reverse it so now our credit is showing 3 late payments and this is hurting our credit. i want to lodge a complaint to all 3 credit bureaus and  WELLS Fargo. This is very unfair to us. we are senior citizens and do not deserve to be penalized for their error. Please try to help us and go after Wells Fargo to correct this.

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 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2019-08-28 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: LJ Ross Associates
State: WI

Complaint narrative:
LJ Ross is a debt collection company that sent a letter to me in XX/XX/2019 stating I owed money. I sent a letter to them within one week of receiving this explaining that this debt did not belong to me and that I was disputing it and asked for legitimate proof that this was a factual demand. They provided me with a fictitious statement created in their office alleging that this money was owed to XXXX XXXX XXXX but that I had to pay them. In XX/XX/2019 LJ Ross appeared on all 3 of my credit reporting bureaus. I disputed all 3 credit bureaus and all but 1, XXXX, removed LJ Ross because there was no basis for their claim. I have disputed LJ Ross to XXXX 3 times and they keep coming back saying it's legitimately belonging to me. LJ Ross and XXXX  are destroying my credit/FICO scores by their false claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have called Equifax and written Equifax many times to get an address off my credit report and have also requested a copy of my credit report. I sent documents providing proof that this was my information. I called and spoke with XXXX at Equifax on XX/XX/2019 and was told they would send me my report and proof that the address has been deleted I have a confirmation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: GA

Complaint narrative:
There are multiple inquiries on my report due to fraud. The only inquiry that belongs on my report is XXXX from XX/XX/XXXX and XXXX XXXX XXXX. That is it. I need those removed. I have disputed them via Transunion and they refuse to remove them.. I have attached my police report and my dl. The same for XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. Jp Morgan chase is valid. I need these removed 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 2019-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I received a notice on my credit report showing an unknown collections account for a debt that is not mine, I do not know, nor ever had outstanding. I had a similar problem back in XX/XX/2019 with another collection company called XXXX XXXX XXXX XXXX XXXX 

My guess is that they sold off some debt to this new company called Credit Management LP - XXXX  XXXX XXXX XXXX, TX XXXX. 

Back in XXXX the file was closed at XXXX XXXX, XXXX after I submitted a complaint through this system and with the credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
My mortgage was transferred from XXXX XXXX LoanCare LLC. I tried to log into the LoanCare payment system to schedule my XX/XX/XXXX payment. The Loancare system says my SSN is " invalid ''. I called the Loancare LLC customer service number and was told that I have 60 days without any adverse effect ( late fees, credit score ect. ) I asked for any documentation to that effct and was told it does not exist. Ads of the moment- I can not schedule my mortgage payment and have nothing but a verbal say so from am anonymous rep that I will not be negatively affected by their delay

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 2019-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: GA

Complaint narrative:
The issue today is money ; specifically {$360.00}. This is the amount that I was unfairly charged by XXXX of XXXX in XXXX, Florida. Immediately after that charge was made, I went to a PNC branch in XXXX, FL to have it stopped. The employee there told me they stopped the charge. About two weeks later, another PNC Bank employee at a bank in XXXX, FL told me that PNC bank can not stop the charge but can put in a dispute. I gave PNC all the information they required. I heard absolutely nothing for the next few months. When I went to a branch, I was told nothing, I received no mail whatsoever, no text, no email, no nothing. 

PNC WAS TOLD NOTHING BEFORE XXXX BECAUSE THEY FAILED TO COMMUNICATE ANYTHING WITH ME DESPITE ME GOING INTO BRANCHES MULTIPLE TIMES. 

Much to my chagrin on XX/XX/2019, I was informed that PNC took back the credit and the reason was because I did not submit supplementary information. No one said anything about supplementary information. There were months full of chances to do that. Needless to say, I was an extreme financial emergency that day. I had a banker in XXXX get me the number for the corporate office and explained to them that I did not receive anything asking for more documentation and that it is ridiculous that here in 2019 with all the methods of communication that are available to us, PNC is still using the US Mail. I have placed at least half a dozen complaints with the postal service for lost, misdelivered, opened and misplaced mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I realized I've been charged {$12.00} and {$35.00} per transaction for using overdraft protection to transfer money from my savings to checking account. I was aware that I was paying a monthly {$12.00} fee for my checking account with free overdraft protection. I have been with Bank of America for more than a decade -- and I'm certain when I signed up for the account -- I didn't agree to pay transaction fees to use overdraft protection.

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 2019-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Monterey Financial Services LLC
State: MA

Complaint narrative:
So I bought a scooter from a dealership for XXXX and paid XXXX at time of sale. 
that was a down payment and my first payment. this was on the XXXX of XXXX. I received an email that a third party called Monterey Financial has purchased the loan from XXXX XXXX 3 days later. Ok today I called them to get a pay off notice as I wanted to pay the balance within the next two months and I was told that my pay off was XXXX. I almost fell to the ground. I asked if she was joking because that was like over 100 % of what the scooter is even worth. She told me to return the scooter to XXXX XXXX XXXX XXXX in XXXX and my Balance would be XXXX. So basically I would be just giving them XXXX for something I don't have. I tried talking to a supervisor and got no where. I called the dealer from where I bought the scooter and told him that Monterey told me to return the scooter and he told me there are no returns. So now I'm waiting for a call back from the dealership and so far no call. I got severly scammed by everyone listed here.

Company response to consumer: Closed with explanation