vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-18 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:
REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 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: CO

Complaint narrative:
On XX/XX/2019, Wells Fargo Bank issued a letter to close our personal credit card. The letter cited as their reason " To manage risk .... '' and " The decision to close your account is final and can not be changed. Our risk evaluation processes are proprietary and can not be shared. '' with full knowledge our payment history with Wells Fargo was excellent, FICO credit score of +800, and low debt to income ratios. We are responsible customers. 

This account closed was part of a larger conspiracy by Wells Fargo Bank to terminate our entire personal and business relationship after more than 25 years. The closed accounts even included our innocent children 's accounts. 

It is our belief this action taken by Wells Fargo Bank was the result of our small business, a insurance brokerage licensed by various Departments of Insurance with clients in the licensed medical and recreational cannabis industry. Essentially, they have adjudicated and concluded we have violated certain laws beyond our control as if they are judge and jury. Ironically, Wells Fargo Bank has its own well publicized history of actual illegal activity. 

We have direct knowledge, Wells Fargo Bank has not taken the same action of closing accounts with other licensed insurance entities with whom we conduct business and happen to bank with Wells Fargo. This is unfair to us. We believe they have discriminated and targeted against us as opposed to much larger and substantial companies and their employees who are conducting the exact same business. Why choose us as opposed to others? 

According to their letter " Any unredeemed rewards points associated with this account have been forfeited. '' We have now been harmed and damaged since these rewards points we accumulated have now been essentially stolen by Wells Fargo Bank. 

Sadly to us, some of those rewards points were a special gift transferred to us from family member.

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 2020-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
The credit card was opened for my Company, XXXX XXXX XXXX and was not personally guaranteed by me. Once I closed the business in XX/XX/XXXX the card remained on my personal credit report. I hired a lawyer, XXXX XXXX XXXX in XX/XX/XXXX to contact Capitol One to require them to prove I was the personal guarantor. They were unable to do so, stating that the collector for Capitol One admitted they couldn't prove I was personally liable. 

This was a company card, NOT a personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has erroneously stated that they has detected " fraud use '' on my credit card. I have verified that there is no fraudulent use. I was traveling in XXXX and ordered an XXXX using my XXXX app. I received a text from Capital One that they suspected fraud. I replied by text that the charge was legitimate. I received an email in which I replied that the charge was not fraud. My card became blocked while out of the country. I had reservations and other charges not no through. I called Capital One at least 10 times to rectify this situation. 

My complaint to investigate Capital One in their egregious procedures. They requested that I send proof of my idetify in which I had to upload my 2018 W2 forms, my XXXX XXXX XXXX  XXXX XXXX and XXXX statement and my CA driver 's license. They stated that I failed to send in the back side of my driver 's license. I proceeded to send in the back side of my driver 's license. A week later they stated I needed to upload my social security card. I uploaded a legible copy of my social security card and US passport. 

Ultimately Capital One has declined my request to unblock my card. They claim that my legitimate social security card was illegible. 

Capital One 's tactics are invasive, discriminatory and flagrantly in violation if my card member 's rights. I would like the CFPB to investigate all activities and actions by Capital One in their erroneous claim that my card was fraudulently used after my repeated attempts to clearly state by phone and uploads that NO fraud had occurred. S card holder must be able to challenge a computer modeled fraud alert and claim that no fraud has occurred. Capital One has denied me and others the rights to challenge their false beliefs that fraud has occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-18 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase JPM Credit Cards were closed without telling us. Chase refused to give over 23,000 Reward Points. We were in the XXXX, MA Office in person on XX/XX/2020 for over two hours. Chase was not very helpful in paying off the two Credit Cards. One was an Amazon Credit Card. How do we get the Rewards Points?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
Aargon Agency is on my credit report. Ive tried calling Aargon and Ive also emailed Aargon Agency.  Aargon says on my credit report that they are collecting for XXXX. Ive called XXXX and I dont owe them anything. XXXX is in a different town from me and I havent been there in Years

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 2020-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Addendum to.complaint XXXX I received call from executive cust service office XXXX. She.verified I could.close and.cash.out.my account.on fri.XXXX. We agreed on a bank office but i later realiZed it was 80milea away per XXXX so i called.to change to XXXX mi.office. i called ahead and the manager stated she had.been notified to close the account.but that could not.happen for theee days. Of course XXXX is a bank holiday so 4 more days in addition to the three already.with absolutely no funds. I called XXXX back and she was not available i spoke to a male manager who stated i would not.be able.to close for atleast 3 daya.and would receive a cashier 's check within 10 days.of that.time. i told.him i have no use for.a.casbier check i wanted cash.and i could.not go another 14days.without.funds. i opened this account.with.XXXX cash and.i am leaving with cash. Well nothing.was done i deove.30minutes to the.branch and was transferred to multiple offices and everyone had a.different story. We are getting a foot of snow.i have livestock as.mentioned before. I need to feed them. And I need to fuel.my.truck. this has.caused.me.great hardship. Financial.freedom is an illusion in this.country.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I tried to open an LOWE 'S Credit Card. LOWE 'S sent me a letter asking for more information. I called LOWE 'S credit department. I was told that someone stole my ID. LOWE 'S is mailing legal paperwork for more information. I have to prove my ID. I checked all four Credit reporting services. No problems found. Why did LOWE 'S lie to 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 2020-01-18 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX XXXX XXXX/XXXX XXXX XXXX/Chase ( formely know as Washington Mutual ),  Fraud ( Identity Theft Victim )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
I have made several attempts to contact this company regarding the debt they are improperly reporting to my credit report. This is my second complaint, in the previous complaint I requested documents showing proof of the debt including documents that show my original signature and any information showing the company properly vetted and verified the identity of the person acquiring the debt. Please upload those supporting documents in this complaint or remove this egregious account from my credit report. This will be my last attempt to clear this matter before filing a lawsuit against your company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
A transfer of my mortgage occurred in XX/XX/2019, payments made to the account should have been posted to just what was included in a previous estimated escrow account just including ins. Not taxes. Something is truly wrong. Projections for another year is not right. No modification occurred. I have not agreed to pay anything they have not billed. Their bill to me shows a different activity on their system of the projections I have attached. Please verify. These activities are done after I had mailed a required payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: CA

Complaint narrative:
on the XX/XX/XXXX I called social security which social security told me that direct Express has my payment since XX/XX/2019 I have yet to receive my card. Every time I call they can not verify my account not only that I sent in my identification twice and still have yet to receive my card I paid {$27.00} to have a extradited twice by XXXX is still haven't received my card my whole social security check is on this card and have not received my card please I need a solution

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: Ascendium Education Group
State: WA

Complaint narrative:
I recently applied for a home loan and discovered a collection account from Ascendium. I had finished paying off this account through garnishment in XXXX and was told the debt was satisfied and that the negative reporting would be removed. Not only is the account still reporting but is reporting a balance with late payment history as recent as XXXX. I believe this reporting is the result of an error or oversight but am unable to find anyone within the company able or willing to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT has refused to remove a {$360.00} collection on behalf of XXXX XXXX for alleged unreturned equipment which HAS in fact been returned to XXXX XXXX. XXXX XXXX gave instructions to take the equipment to XXXX which I did and received an RMA from XXXX XXXX XXXX XXXX on XX/XX/2019. The RMA was XXXX. CREDENCE RESOURCE MANAGEMENT has been provided with that information but is ILLEGALLY REFUSING to remove the collection. 

This HAS been disputed with XXXX and XXXX and CREDENCE lied to both of the Credit Reporting Services stating it is still accurate ( and disputing my return of the equipment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed inaccurate reporting by XXXX Student Loan on my credit report stating that I owe of past private student loans. My records show that I have paid in full these loans. Over the period of the loans, XXXX Student Loan has sold the debt numerous times and at the same time continued to report the debt under XXXX Student Loan SLC. I contacted the company XXXX Student Loan is using called XXXX XXXX XXXX in XXXX FL, they were helpful in accepting that I provide my proof of payments for the XXXX Loans. I mailed 8 years of proof of payment which included the attached documents along with my personal bank account statements which showed these payments were made to XXXX Student Loan and their Creditors they sold the loans over the years. I ask for a full review and any records XXXX Student Loan has that showed I did not pay these loans in full. I received a letter from XXXX XXXX XXXX stating that XXXX Student Loan investigation response is that I still owe the loan amount and XXXX XXXX XXXX would continue to report on my credit the amount outstanding under XXXX Student Loan name. I was not given any proof that the current reporting on my credit report are linked to the Student Loans I made payments on. I believe XXXX Student Loan has sold the loans off and did not receive the payment I have records for and continue to collect and hold me liable. I am yet to hear directly from XXXX Student Loans on the proof of payments I have submitted to them and a reconciliation of the loans I paid off. They can not show any proof with the payment I made and how they were applied to the loan and why they continue to show a balance on the Student Loan accounts and reporting the account as charge off collection. These inaccurate reporting by XXXX Student Loan has damaged my credit rating and caused me to be turned down by banks, and financial agencies. I am exhausted at dealing with XXXX Student Loan and have no other place to turn to get them to correct and fix this error. I only ask that they reconcile the account and show me how my payments I've made of the years were applied to the loans I borrowed and explain why I owe them a balance they are claiming when my records showed I paid the loans off. Since I've contacted XXXX Student Loan and can not get them to provide me this information it seems that they are taking part in collection practice that is illegal and violation of the fair credit reporting act. If I could afford to file a lawsuit against XXXX Student Loan I would have done so as their response to my letters and their lack of providing proof of the debt and payment I made to XXXX Student Loan and its Creditors is something they have yet to provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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 — Investigation took more than 30 days
Company: Credit Control, LLC
State: FL

Complaint narrative:
I disputed inaccurate reporting by XXXX XXXX XXXX on my credit report stating that I owe of past private student loans. My records show that I have paid in full these loans. Over the period of the loans, XXXX XXXX XXXX has sold the debt numerous times and at the same time continued to report the debt under XXXX XXXX XXXX XXXX. I contacted the company XXXX XXXX XXXX is using called Credit Control LLC in XXXX FL, they were helpful in accepting that I provide my proof of payments for the XXXX XXXX. I mailed 8 years of proof of payment which included the attached documents along with my personal bank account statements which showed these payments were made to XXXX XXXX XXXX and their Creditors they sold the loans over the years. I ask for a full review and any records XXXX XXXX XXXX has that showed I did not pay these loans in full. I received a letter from Credit Control LLC stating that XXXX XXXX XXXX investigation response is that I still owe the loan amount and Credit Control LLC would continue to report on my credit the amount outstanding under XXXX XXXX XXXX name. I was not given any proof that the current reporting on my credit report are linked to the Student Loans I made payments on. I believe XXXX XXXX XXXX has sold the loans off and did not receive the payment I have records for and continue to collect and hold me liable. I am yet to hear directly from XXXX XXXX XXXX on the proof of payments I have submitted to them and a reconciliation of the loans I paid off. They can not show any proof with the payment I made and how they were applied to the loan and why they continue to show a balance on the Student Loan accounts and reporting the account as charge off collection. These inaccurate reporting by XXXX XXXX XXXX has damaged my credit rating and caused me to be turned down by banks, and financial agencies. I am exhausted at dealing with XXXX XXXX XXXX and have no other place to turn to get them to correct and fix this error. I only ask that they reconcile the account and show me how my payments I've made of the years were applied to the loans I borrowed and explain why I owe them a balance they are claiming when my records showed I paid the loans off. Since I've contacted XXXX XXXX XXXX and can not get them to provide me this information it seems that they are taking part in collection practice that is illegal and violation of the fair credit reporting act. If I could afford to file a lawsuit against XXXX XXXX XXXX I would have done so as their response to my letters and their lack of providing proof of the debt and payment I made to XXXX XXXX XXXX and its Creditors is something they have yet to provide 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 2020-01-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2019, I contacted Experian about the inaccurate name and address reporting on my credit report. Experian refused to correct and allow my credit file to reflect my correct name and address.

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 2020-01-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
With all 3 credit bureaus I have tried to dispute matter that is one debt  reported by numerous collectors for different amounts ranging from XXXX to almost XXXX they took well over 30 days when I first requested information regarding debt and never sent information. XXXX  is listed as original creditor and XXXX  also XXXX XXXX XXXX  and another XXXX XXXX all are reporting this debt on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG Financial Services, Inc.
State: NC

Complaint narrative:
Hello, We began falling behind in our mortgage payments due to hurricanes and medical issues. This began in XX/XX/XXXX. We continued to file for a loan modification and CMG Financial sent us a letter saying our only option was a repayment plan in the amount of {$2900.00} each month until we were current. They decided this amount based on our financial information and our GROSS income. Our mortgage payment went from {$1400.00} to {$2900.00} each month. We were forced into accepting because we did not want to lose our home even though we were going to struggle to make that monthly payment. Fast forward to XX/XX/XXXX and we are now behind again because they REFUSE to take a partial payment. We can not afford the {$2900.00} at the beginning of the month and they will not allow us to make a payment of half at the beginning and half again at the middle of the month. My husband called to make the XXXX payment of {$2900.00} on XX/XX/XXXX. They accepted the payment and told him our new monthly payment for XXXX XXXX-XXXX XXXX will now be {$3900.00} each month. If we can not afford to make the {$2900.00} payment we certainly can not afford to make the {$3900.00} each month. When we look at our monthly statement it shows we are behind 7 payments of {$1400.00} which totals {$10000.00}. We also have late charges of {$180.00} and " Other Fees '' which they will not explain to us of {$1800.00}. We have asked if we can try and pay those first and then chip away at the other payments we could work that. They will not help us at all. The amount of money they say we owe on the statement does not match up when you divide it all out. We do not want to lose our home but they are putting us in a situation where we can not pay them. They refuse to accept any payment except the past due amount. My husband is XXXX XXXX XXXX   from the military and we are trying to make ends meet but can not without some help. 

This company is CMG Financial and they have been horrible to work with!

Company response to consumer: Closed with explanation