vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well my problem is I had a pre paid secured credit card. That i put XXXX dollars down to open it. An then i went to XXXX for XXXX. An when i got released I went to wells fargo that ive banked with since i was like XXXX an they told me they have closed my account due to falliar to pay my credit card bill while i was in XXXX the amount owed was like XXXX so they took my XXXX deposite an sent the XXXX somthing to collections. An i was XXXX from XXXX to XXXX pretty much. An when i tried to pay it they told me i needed a visa debit card with my name on it an that has beenalmost impossible to get cause XXXX  XXXX XXXX has me in XXXX XXXX for frauding them when Inwas XXXX an the bank i tried to get a saving account at said that it was wierd im in XXXX XXXX for frauding XXXX  XXXX XXXX but it didnt say for how much so he said that was strange an i might want to get a hold of your company to help me with my issues that someone has obviously cause me while i was in XXXX  I did have my wallet stolen out my car with my SSn an Id card in XXXX. So i dont know what to think or due an on top of it in XXXX I had an apartment that i moved out of an people broke into it an squated for 90 days mean while i was in a hotel an my complex manager saw me move out but still gave me a unpaid eviction even thow I was already out of the apartment that complex had more people squating inother. Apartments besides the one I was paying for on time every month ansome months id pay it like 3 weeks earlie never late does that sound like someone that would get a unpaid eviction on there credit report .So I need my XXXX XXXX XXXX fraud issue taken off XXXX  XXXX an I need that wells Fargo account opened so that intrest rate on that XXXX I spent that they didnt eventell me about taken off my report. I can provide dates were I was in XXXX or XXXX when most of this stuff happened.

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 2019-09-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-CLOSED ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not my account.

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 2019-09-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

-CLOSED ACCOUNTS- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not my account.

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 2019-09-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-CLOSED ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Once again I recently filed a disputed I have been a chase customer had a checking account for 10 years plus. Never had any major issues. I had transferred money through checks through my other account 3 were returned because the transfer on other end got delayed but tried to rectify immediately with a cash deposit. Chase wrote a letter XX/XX/XXXX saying closing my account without even giving me a chance to fix same day other then that no notice given and again customer for years. I then call bank immediately where I am told they closed my account but again assured this will be fixed. i find out now Chase has closed that account and I can not open a new one after being told before I could. Its frustrating again a loyal customer had a checking account for over 10 years, my husband has personal and business accounts there. I I would think after having an account that long being a good customer and wanting to keep my business with them they would look out better for their customers especially after I was told on 2 occasions and assured my account wouldnt close and after it did that I could open a new one. The banker at the local branch who helped me was awesome. She went above and beyond even called the department I guess that closed it or would have had info and demanded they fix and even said you have a recording of where you told her to open a new account. I love everything about chase up until now and really want to keep my checking account with them. Hoping by getting to tell my side maybe someone high enough up in chase will care about its customers even the small ones to keep them and reopen account. I shouldnt be penalized for others mistakes. 
I have since this complaint done everything bank required deposited cash Thursday XX/XX/XXXX after infant was hospitalized or would have been there Wednesday it is now Tuesday XX/XX/XXXX and cash still hasnt posted after countless phone calls telling me account would stay open and restrictions lifted if I deposited cash here we go they said this morning closing account. I want fixed as promised and account ending in XXXX reopened and debit card reactivated. We have our kids school coming out XX/XX/XXXX everything is linked to this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: College Ave Student Loan Servicing, LLC
State: MS

Complaint narrative:
Hello I had a private loan with College Ave student loans in the amount of XXXX dollars. I had made payments towards it until XXXX 2019 and XX/XX/2019 for XXXX. I am continuing making payments towards XXXX XXXX XXXX.. The problem that was happening I got a letter recently from XXXX XXXX, inc about making a balance of XXXX. This company called me and harass me about making a payment to them when I already had made payments XXXX dollars. I am filing a complaint against this company because I found out this is a scam. 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 2019-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: NY

Complaint narrative:
In XXXX my mortgage company XXXX filed bankruptcy I continued to make my payments until they returned my last 2 payments in XXXX of XXXX in XXXX I received a letter from XXXX XXXX XXXX  stating that they are the servicers of my loan and they are foreclosing on my home on behalf of XXXX XXXXXXXX XXXX XXXX because payments were not being made I explained that I never received any further notice from XXXX or any correspondence from XXXX XXXXXXXX XXXX I applied for a modification with them but they turned me down I attended several foreclosure conferences until my case was transferred to the Supreme court I also contacted the XXXX  XXXX XXXX XXXX who sent me an email stating that after researching their database they found no records of my property and they are not my trustee I also hired an attorney who got the same response in XXXX of XXXX I received a check from NY Dept.of Financial Services with a letter attached stating that I'm receiving a payment due to a lawsuit against XXXX then in XXXX I got a mail from XXXX XXXX XXXX stating that they are a debt collector collecting a debt for XXXX someone I never heard of and they never stated what the debt was for so I filed a chapter XXXX and XXXX XXXX  XXXX was discharged but I still got a notice of foreclosure from them so my attorney filed a motion to show cause we had a hearing for XX/XX/XXXX and the representative for XXXX XXXX XXXX came to the court with nothing but the bankruptcy that I filed so a new date was set for XX/XX/XXXX but the judge did not grant us a chance to speak he made a decision granting foreclosure to XXXX XXXX XXXX even though they never submitted any documents to show cause to my attorney or the court which was a prejudice act on behalf of the judge I have had 3 counseling sessions with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  when my counselor called FHA she was told that my loan was owed by state bridge now that has me confused since judgement was given to XXXX when XXXX returned my payments and I received that check from XXXX I thought that my mortgage was discharged please let me know as soon as possible what can be done at this point 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 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account was {$69.00} to the good when bbva decided to first hit me with overdraft fees of {$38.00} each. I had a {$4.00} charge, a {$16.00} charge, another {$4.00} charge, and a {$15.00} charge. That adds up to {$39.00}. None of these fees should of been charged. The way the put it through was to make sure they got {$150.00} from me. This is bogus and I need all 4 fees refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
In XX/XX/2019 I talked to our mortgage company, Loandepot, about how we were going to be late on our payment and that I was worried about credit reporting. During the week of XX/XX/2019, Loandepot called me and we discussed how they don't report to the Credit Reporting Bureaus that the payment was late until 40 days. With that assurance, we made sure to pay within that window. 

Fast forward to end of XXXX of XX/XX/2019, and my wife and I are being turned down credit, severely limiting our purchase power. And we're also trying to re-finance our FHA loan. Come to find out that Loandepot had marked us as late payment even after they said we wouldn't be marked - so now our credit is being affected. 

I called Loandepot to clear this up and get that removed from our reports. They said they don't do that over the phone and to write them instead. So I did that and they replied to that email that I needed to call up the Credit Bureau 's myself and dispute it. But that's taking forever. We're trying to close on our re-finance of our home, but the lender can't go forward with this mistake on our credit reports. Please help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: IL

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

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 2019-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
IN XX/XX/2018 I WAS NOTIFIED BY THE CREDIT BUREAUS ( XXXX, XXXX, XXXX ) THAT MIDLAND FUNDING IS REPORTING THREE DIFFERENT DEBTS. I HAVE BEEN IN CONSTANT CONTACT WITH MIDLAND AND XXXX  RE THE TRADE LINES BEING REPORTED ON MY CREDIT FILES. I HAVE EVEN DISPUTED THE CLAIM WITH XXXX  BUT THE TRADE LINES REMAIN. XXXX   AND XXXX  HAVE DELETED THE TRADE LINES DUE TO LACK OF EVIDENCE THAT THIS DEBT BELONGS TO ME. I HAVE EVEN TALKED WITH MIDLAND RE PAYMENT ARRANGEMENTS AND THEY STILL ADDED THE DEBT TO MY CREDIT FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Coaf XX/XX/XXXX x2 XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

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 2019-09-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX x2 XXXX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: SD

Complaint narrative:
In XX/XX/XXXX I lived in XXXX XXXX in XXXX, XXXX. My lease was scheduled to end at the end of XXXX. I went into the main office and informed them I planned to move out when my lease contract expired ( XX/XX/XXXX ). They informed me that I needed to provide them with a written letter stating I planned to move out at the end of my lease. I went to my apartment typed up a letter and turned it in to the main office to be filed with my intent to move out at the end of the lease terms. I paid my last month of rent between XXXX XXXX as required by the lease terms. I moved out before the end of the month and had a member of the front office walk through and inspect the apartment with me to ensure no damage was done. I moved back to XXXX before the month ended. In XXXX of XXXX XXXX XXXX turned 1 month of rent due over to Procollect collection agency. I noticed this on my credit report late XXXX and called the company inquiring about the collection efforts. They informed me that XXXX turned it over to them for either not paying the last month of rent or not giving written notice to leave the apartment unit. I informed them I did both, paid the XXXX rent and provided written notice. Procollect then began to tell me I need to pay the debt immediately to have it removed from my credit report. I believe I do not owe this debt because the last month, XX/XX/XXXX, rent was paid and followed the guidelines provided in the lease term and by the front office with a written letter saying I planned to move out. According to Procollect no letter was ever one file. I have since graduated college and my current employer requires this matter to be resolved as part of my employment.

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 2019-09-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX x2 If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation