vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-12 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: Southern Auto Finance Co
State: FL

Complaint narrative:
On XX/XX/XXXX, SAFCO has issued their attached written response to my recent CFPB complaint. Within this written response, SAFCO has indicated that they processed an application for credit from the consumer on behalf of XXXX XXXX XXXX XXXX on XX/XX/XXXX. SAFCO has also indicated that the application for credit included all of the consumer 's personal identifying information. Despite the above responses, SAFCO has failed to produce any proof of a signed credit application by the consumer which was processed on XX/XX/XXXX. SAFCO has also failed to produce any evidence which directly relates to a legible copy of the consumer 's personal identifying information or a copy of a valid photo ID which supports the consumer 's above credit application process on XX/XX/XXXX. NOTE : SAFCO ( Southern Auto Finance Co. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: IL

Complaint narrative:
Received notice in mail from XXXX XXXX XXXX that I owe a debt from a XXXX 's charge account. I contacted XXXX 's and they have no record of the account existing. I received a different notice in the mail during the XX/XX/2017 year from XXXX XXXX XXXX about a different debt, also from XXXX 's that never existed ( i have received 2 separate collection notices from XXXX XXXX XXXX about debts that never existed ). 

I firmly believe they are creating fraudulent collection notices and sending them to people in an attempt to collect on fake debts. Please do something about this company before they successfully scam others!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I worked at XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX, under XXXX XXXX XXXX . I enrolled in the 401K program to start in XX/XX/XXXX. Authorizing Wells Fargo to take {$100.00} every two weeks out of my pay check to go into my 401K account. 

I left the company ( XXXX XXXX XXXX ) in XX/XX/XXXX just prior to the hospital moving to another location under the name XXXX XXXX XXXX XXXX XXXX Texas. I spoke with a Wells Fargo representative regarding my 401K, and was told " no need to transfer or take my money out, it could stay in Wells Fargo account and grow Intrest ''. 

Recently I opened an account with Wells Fargo and my Social Security number, date of birth, old address was already in their account for me. At that time I asked the representative what was my 401K amount now? She reported I had a {$00.00} balance. 

I notified The XXXX XXXX, who reffered me to XXXX XXXX the benifit administrator for XXXX. Since XX/XX/XXXX I have constantly spoken with different reprsentatives from Wells Fargo, each one promising to take care of the issue. 

Still no resolution for the {$6400.00} plus interest I placed in this account. In addition, I was told " Wells Fargo only go back for 7 years '' One representative saying to me " its been so long I don't know where the money went, with no activity, it probably just went back to Wells Fargo ''. My homestead burned down in XX/XX/XXXX where all my business information, college diploma, and other information was destroyed. Still the XXXX should have old check stubs, as should Wells Fargo regarding an employees information an transactions regarding our accounts.

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 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Dear CFPB ; I buy and sell a lot off collectibles on XXXX. Today I noticed that Capital One had charged me a cash advance fee on an XXXX   purchase of {$1700.00} last week. I called them and then spoke with a supervisor who said nothing could be done with the added charge in excess of {$50.00} plus high interest. They said it was XXXX 's fault that put it through as a " cash advance ''. I asked the supervisor how she had seen such problems resolved in the past, she said she didn't remember. 

Then I spoke with XXXX including their specialist who said it was just a computer algorithm that executed the transaction, that there was no difference with other transactions that I had done without any fees through XXXX. I have been paying off Capital One as quickly as I can on a monthly bases incurring no extra interest fees. I'm including a copy of recent transactions. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XX/XX/XXXX, I received an e-mail from Capital One advising me that they have decreased my credit limit from {$15000.00} to {$10000.00} on my card ending in XXXX. This could not come at a worse time, as I am attempting to secure a mortgage and the decrease may negatively impact my FICO across the three CRA 's, which could cause me to receive a higher interest rate on my mortgage and cost me thousands of dollars over the life of the loan. 

I called customer service today ( XX/XX/XXXX, at approximately XXXX XXXX EST ), who told me they couldn't do anything. A supervisor advised I can log online and submit an increase request, which I ended up doing, but it doesn't allow me to specify what amount ( and I'm sure it will be denied since my line was just decreased ). 

I've been a Capital One customer since XX/XX/XXXX. I consider my Capital One credit cards my two primary revolving lines, and my Capital One bank account is my primary Checking account. My card ending in XXXX was my first CC. I revolve no credit, I am not a risk, and I've never once missed a payment ( on any form of credit ). Please do the right thing and reinstate my {$15000.00} credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2017 i went on XXXX to see if there are any interesting credit card offers for me, after putting in my information including the last 4 digits of my social security number an offer came up offering XXXX Amex Membership rewards point for signing up for the Platinum card, I clicked on the offer, it then requiredme to log in to my americanexpress.com account, after that I got to a page with the offer, it required me to put in a few basic information, I read through the entire offer including all the terms and condition and I found to be eligible for this offer, it did not state anywhere that the offer is not available to applicants who have had this product before, so i went ahead and applied for this offer, I got approved and completed the required spending threshold, but when it came the time frame of receiving the bonus I saw that no point came in, I called American Express and they informed that since I already had this card in the past I am not eligible to receive the signup bonus, so I said that there was no mention about this in the application, they insisted that it does state that in the pplication, I asked them to open a complaint, after waiting months the case just closed saying " case was closed as Non Amex error as no defect was found post investigation '', this is unacceptable as American Express was clearly saying that I will get the signup bonus and they have no reason to deny me these points

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I was issued a Walmart Store MasterCard/Credit Card with # XXXX XXXX XXXX with an expiration date XX/XX/XXXX. My monthly statement sometime missed to reach me at times. And I just call the XXXX Customer Account Services to find out how much is my balance and due payments. However, On XX/XX/XXXX I called the said numbers and an answering service has notified me that I have no payment due at that time and my account was closed. I was surprised by the message despite I was always current on my payment. And the closed my account. And I started receiving a collection calls every now and then. Including on Sundays. I was not notified by mail why my account was closed. And the worst things they call even at night passed XXXX Arizona time. And Early on Sundays. I called and left a message on that Collection Agency and never receive any response from them. Now, I am surely they are hitting me with late fee 's on my account. 

Kindly help me with my situation with the Walmart account. If for some reasons they have closed my account. Atleast, They will offer me a chance to pay them back without the penalties and interest at a monthly payment I can afford. Thank you very much for your kind understanding and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 non-monetary relief
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had a XXXX account and cancelled it because I have a identity problem that I am closing accounts that I don't need. I started cancelling accounts and XXXX wants to charge a convenience fee. This a unfair charged that I don't agree with all the fraud happening today I don't there service nor want it. I am retired and will now will do my shopping at the XXXX, XXXX. Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I am currently attempting to withdraw {$4100.00} USD from my coinbase.com account and and am being blocked. I have no trouble adding funds to my account, but when it comes time to withdraw money it says my ID is not verified and rejects it when I attempt to verify my ID ( even though I am already verified ) and will not tell me what part is wrong. For some odd reason I was able to withdraw a portion of it earlier this week ( {$1800.00} ), but it blocks anymore.

Customer service simply replies with an FAQ email. It does not resolve the issue that I have thousands of dollars in coinbase that I am unable to withdraw. The customer service phone line refuses to help with ID issues.

I have been a verified user of coinbase since 2013. My bank accounts and ID were previously verified. I am left with no course of action to follow to get my money out of coinbase.com

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I was called by collector in XX/XX/XXXX. I was told i owed a medical debt from XX/XX/XXXX. After i explained i did not owe a medical debt they continued to harass. I got account info from collector and called the hospital which had a record of the bill being paid in XX/XX/XXXX. I contacted collector told them it was paid in full in XX/XX/XXXX and they proceeded to write a public record on my credit report stated I owed money. XXXX weeks after they added it to my credit report they removed it from some services but not all. It still shows on my fico score as a derogatory account. I buy equipment and credit score cost me a lot of money depending on interest rates. I contacted collector they refused to talk.

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 2018-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: LA

Complaint narrative:
XXXX, from XXXX XXXX  keeps calling me. 

This is regarding medical debt that I am both partially disputing the amount as well as trying to negotiate my final owe amount. I've already sent them two ( non-certified letters ), and I had explicitly stated that I would only deal with them via email. There is no reason for them to keep calling me.

Every-time they do call, but coincidence I wasn't able to pick up, and when I call back I am getting to their call center with no extension. One time I've picked up the phone, and they must have hung up when I tried speaking.

I am assuming that this isn't out of malice on their part to harass me, just gross incompetence with their phone system. But either way, please tell them to stop calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: International Computer Systems, Inc.
State: CA

Complaint narrative:
i have been dealing XXXX XXXX and XXXX XXXX XXXX for almost 2 years with their threats and false credit reporting, i have no contracts with XXXX XXXX XXXX they have sold a debt in my name to XXXX XXXX XXXX and the collection agency is sending me intimidating mail, they refuse to hear my contest to this debt, this debt is not valid they allege i opened an account in XX/XX/XXXX. i had an account with XXXX XXXX XXXX and i closed the account in XX/XX/XXXX i paid off the account and closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX I applied for a home loan. When my credit report was reviewed, there was derogatory information being reported by aXX/XX/XXXX Account with XXXX XXXX. 

Upon contacting XXXX XXXX/XXXX XXXX, I was informed that the account was sold/transferred to a collection agency - XXXX at XXXX. When I spoke with XXXX, I was informed that my personal information was incorrect and that the collection account would be returned back to XXXX XXXX/XXXX XXXX. 

I contacted XXXX XXXX/XXXX XXXX a few times to dispute/correct this account and received a letter from them dated XX/XX/XXXX that they were reviewing their records. Once the account was back with XXXX XXXX/XXXX XXXX, on XX/XX/XXXX, I spoke with a supervisor ( XXXX ) who acknowledged the mistake and provided me with the original balance that was due. I immediately paid the balance ( confirmation # XXXX for {$69.00} ) and was informed that they would correct the past due and collection activity that was reported to the credit bureaus. 

Today is the 66th day and there has been no update reflected on 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 2018-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Loan officer XXXX XXXX of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Nevada XXXX ) and acting as Mortage Broker for XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ) performing Escrow loans on my property without my knowledge or consent with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX ) using myas well as my wife 's identity/property fraudulently in XX/XX/XXXX & XX/XX/XXXX. 

XXXX XXXX and his wife XXXX XXXX XXXX obtained 2 wire transfers into a fraudulent WAMU account using my wife 's identity to withdraw the funds in XX/XX/XXXX ( Wire transfer for {$27000.00} ) & XX/XX/XXXX ( Wire Transfer for {$34000.00} ) using a fraudulent account set up in XXXX, Nevada. From this account, The XXXX 's paid our Mortgage & Utilities to qualify for other loans & multi state modifications on our property. A line of credit was also obtained using my wife 's identity by XXXX XXXX XXXX for {$430000.00} with Chase bank.I also received IRS bill ( s ) for the sale of my home but was able to prove that I still resided at my residence prior to obtaining proof of fraud. 

The wire transfer receipt shows funds from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Ca XXXX ) and XXXX XXXX XXXX. The Notary was XXXX XXXX who's name was associated with 4 Fraudulent Deeds including 1 from Nevada. In statements obtained by  XXXX Police Department Det. XXXX XXXX ( Case # XXXX ), XXXX XXXX did not turn in her Notary book to the State of California nor could she identitfy me or my wife in a photo line up! She also stated that these documents were forged and her Notary stamp as well as book were taken by XXXX XXXX who was her co-worker prior to moving to XXXX XXXX, Nevada to open XXXX XXXX XXXX.It is illegal for a California Notary to perform acts on Nevada tansactions/documents! We did not receive any proceeds from these fraudulent transactions and contacted the Nevada Division of Insurance ( Case # XXXX XXXX ) to look further into this matter to discover WAMU had closed the above listed branch. As of today 's date XX/XX/XXXX, no litigation has commenced in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: UT

Complaint narrative:
XXXX XXXX is reporting on my credit even though they confirmed they did not have my correct address or information to send the 30 day right to dispute.

I never knew of this until I saw it reporting on credit. I called and paid it and advised them I never received a notice, they confirmed they had the wrong info.

I don't understand how they can just report whatever they want whenever they want.

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 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: WA

Complaint narrative:
This weekend I got a master card from Netspend, XXXX XXXX XXXX, XXXX, TX XXXX. I did not request this card nor do I want it. When I tried to call the phone number on the back of the card, the phone system would not let me talk with anyone unless I entered the card number. When I did this, the system started to activate the card. I hung up to try to stop the process. When I went to their web site, the only phone number given was the one on the back of the card. When I tried to use the a link to send customer service a complain email, the wed site blocked it. I did send an email using my email app to the customer service and the president of the company. This company provided NO option to contact a person to get the card I don't want cancelled and removed from my record. They should be investigated for unfair or illegal practices.

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 2018-03-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, contacted XXXX to transfer TV and Internet service from XXXX XXXX, XXXX  to XXXX, XXXX pursuant to a move. The XXXX XXXX provided me with a confirmation number ( XXXX ) for cancellation of the XXXX XXXX  account and confirmation number ( XXXX ) for new service in XXXX, XXXX. 

It seems the XXXX XXXX account was not closed and so I had 2 XXXX accounts then, XXXX reported a delinquency to the credit reporting bureaus. In the interest of preserving my credit, I paid the amount billed ; however, XXXX continues to report " XXXX  '' for months of XX/XX/XXXX and XX/XX/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