vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Numerous past CFPB complaints have been filed pertaining to an issue of overdraft fees charged to accounts I did not authorize as well as a settlement offer made in regard to said fees. I was unable to view reply to a prior complaint and did not receive a response to second complaint made as result thereof. Wells Fargo rep, XXXX, did not address issues in initial reply, he only stated attempts were made to resolve said issues which is not true. Wells Fargo is fully aware of resolution, which is a refund in the amount of {$610.00} in overdraft fees charged to accounts, they have sent me mediation request forms as part of their reply in re, a total of four forms filled out and sent in thus far. Their claims dept denied refund request stating a check was issued prior which I did not receive. I had spoken with an XXXX XXXX in claims, she offered a settlement amount of {$3700.00}. However, no payment was received and she would not put offer in writing which I believe is shady. Additional complaints were then filed, Wells Fargo would not resolve them, their rep XXXX replied stating they made resolution attempts as stated earlier. However, this is not the least bit true as they are aware of resolution and will not comply. My refund request in the amount of {$610.00} reflects prior remedy refunds in the amount of {$50.00}, {$120.00} and {$85.00}. The total fees I show from statements is {$870.00}, I reasonably deducted refund amounts for a total of {$610.00}. Since no settlement check was received, their offer deemed bogus, I am back to demanding refund in this amount. Wells Fargo is fully aware of this resolution and their claims of attempting to resolve are entirely bogus. In closing, please advise Wells Fargo of final resolution, which is refund in the amount of {$610.00}. Failing this, additional complaints will be filed.

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 2019-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF THE WEST
State: CO

Complaint narrative:
MASTERCARD STANDARD XXXX Current Balance : {$9.00} Credit available : {$250.00} out of {$300.00} I am having a constant problem with the bank of the west credit card secured I am not given ample time to pay because of their reporting system is lagged behind this is effecting the credit report that is allocated to this card.

i need some information or maybe the ability to pay this card as i am not even able to use this card a week before the date of bill arrives they do not give me an option to overpay or to pay the credit limits difference just the bill that is updated on a daily basis, however the credit is as you can see below the 300 mark is there someway that is can be resolved

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 2019-11-30 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: VA

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30 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: TX

Complaint narrative:
Upon reviewing the information I sent to you all and reading Equifax 's response regarding the addresses being removed, I see they have deleted all addresses except XXXX XXXX XXXX XXXX, XXXX, VA XXXX. I have already sent them the credits reports to you all that you all have sent to Equifax that it too should be deleted. My dispute regarding the removal of addresses has been ongoing for 3 months. Please resend this complaint and have them removed that address as well. It should have already been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not agree to sign up for ID notify through XXXX but am getting unwanted emails. The only way to cancel is to call their hotline, but in order to cancel you need to give a bunch of personal information. I can not agree to give more personal information to a company I didn't agree to sign up with in the first place.

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 2019-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
So today on XX/XX/2019 my account was suddenly closed without warning. I usually get text notifications when my mom 's coworker 's send money to my account. They do this because my mom has no idea how to work technology so it is easier for her coworkers to send me the money and take it out of the atm. I had been doing this for quite a while now and there had never been any problem until today. So today I received a text that said I would no longer receive notifications for any quick pay transactions. This worried me and so I logged into my Chase account and it said my account would be closed due to " suspicious activity ''. Since today was pay day for my mom and her coworkers I had about 6 quick pay transactions go through to my account before it got closed. After failing to log into my account through the Chase app, a number was given to me to call in order to inquire about my account. So I called XXXX XXXX in order to find out why my account was closed. After talking to a representative the only thing I was told is that they are not allowed to disclose the reason for closing my account and that my money would be sent as a check in the mail and that I would no longer be able to be bank with Chase again. They asked for my debit card number since I do not remember my account number. After the phone call I received an email that said the phone number on my account was deleted. I started to get suspicious so I went to my nearby Chase bank and asked about it all. I was told the same thing that was told to me in the phone call and left after being told that my money would be sent in the mail as a check. I would like to note that there was no prior warning to shutting down my account as I was able to make purchases and access my account one day ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
This number has repeatedly called me leaving no messages until one day I finally answered but said nothing. The person named XXXX came on the line and identified the company and self at my request. She refused to disclose her reasons for calling until I ID 'd myself for which I refused. I don't know her or that company! She claimed she was calling about a personal matter which usually means it's a collection agency. She declined my inquiries to find out what her business was about, I told her if they robo called me again I would report them to you. I decided to do it anyway because I'm tired of getting calls from collection companies who may/may not have the right person but continue to call from different numbers under the same area code which is a different form of harassment. This has gone on for 3 months! If this is supposed to be a legitimate business, no identifying info comes up on them so I don't know who this company is but if they call me again I'll sue them then we'll find out who they are. I've received no mail from any company by this name which tells me it's not a legitimate call! I've been called by similar numbers all with the same lack of identifying info, which I'm sure is them : XXXX XX/XX/XXXX XXXX XXXX  ; XXXX XX/XX/XXXX XXXX XXXX  ; XXXX XX/XX/XXXX XXXX XXXX  ; XXXX XX/XX/XXXX XXXX XXXX  ; XXXX XX/XX/XXXX XXXX XXXX  ; this constitutes harassment. I have no idea who they are, have never heard of them and in all the times they've harassed me with these robo calls they've never left any detailed messages or sent written correspondence explaining why they are calling. If they end up on my credit reports I will sue them for that reason alone, then add the robo calls to the list and send this complaint along with the one to the FCC filed today, to the judge for review. I'm sick of robo calls and unidentified numbers calling me without identifying themselves, leaving a message or notifying me in writing. Doesn't matter how legit their claim is, if they haven't notified me in writing and only harassed me through robo calls I have the right to sue them and will gladly do so, especially if this is on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased 4 XXXX XXXX XXXX tickets through Chase Ultimate Rewards portal on XXXX. But I was not provided the tickets even after making full payment using my Chase reward points. The tickets were for visit to XXXX on XXXX. I have called chase multiple times on XXXX and they are unable to provide a voucher even after receiving full payment. This is complete deficiency in service. Further, their call center employees put me on hold for several hours combined causing me mental agony and lost holiday time. I didnt want to spend my holidays on calls with Chase customer care. the employees were not helpful and made false assurances on recorded conversations which were not fulfilled. Chase will be liable for all losses, money, time and otherwise incurred by me and my family due to such deficiency in service. Further, the Call center employees wanted to put me on a 40 minute hold and refused to arrange a call back making me a virtual employee of chase without adequate consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: MIB Group, Inc.
State: SC

Complaint narrative:
XXXX person abuse. Please review all I have sent. Promise from XXXX XXXX  that nothing will be reported in a picture semt, faxes, and emails to cancel before decision was rendered and the fact I his legal guardian was not present. As per that voided contract cancelation faxes and emails well documented on my end shows we asked to cancel. Contract XXXX XXXX  signed is not valid because he is mentally not capable of making legal decision due to XXXX XXXX. He has servere XXXX and gets lost .You can't hold a contract valid if the person did not understand what he was signing. Whoever is responding to my complaints still is not looking at legal and rights being violated by freely reporting details illegally. I have read all the responses and not all issues are being addressed .Remove the file because the contract is void. Please have your legal team look through this, and XXXX XXXX XXXX President and Chief   Executive Officer MIB Group , Inc. we are not being treated fairly. And could be bad on your company. Threat of being frivolous can be looked at by suit. We don't want to sue. We just want you to look at the whole file. No one is looking at all the facts we want someone higher to look at everything. Please come to your senses.this is XXXX person abuse. I have sent 20 things justify a delete of the file. According to the fair credit reporting act and the contract you keep reminding us about from statefarm. It's common sense that a delete is in order Whoever is responding is not treating this case fairly and unbiasedly. The whole thing has not been addressed. I looked through all responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
Capital Accounts LLC is reporting an invalid, fictitious debt on my credit report for close to {$5000.00} without any verification or validation of that debt in violation of the FDCPA, FRCA, Rosenthal Act, and the California FCRA. 

I secured written documentation from the purported underlying debt holder that documents I had never done business with that firm. 

I have absolutely no idea what this debt and have requested verification of the debt from Capital Accounts via certified mail but there has been no reply to me whatsoever again in violation of consumer protection and unfair debt collection laws. 

In addition, I also requested that I only be contacted via mail for debt verification purposes but that I not be contacted for any other reason, including by telephone. Capital Accounts repeatedly called me via telephone on several occasions in violation of the TCPA at {$500.00} per violation. 

Last, I was never sent an initial dunning letter regarding this debt again which is in violation of consumer protection and unfair debt collection laws. 

After I disputed the collection trade line with the CRAs ( XXXX, XXXX  and XXXX ) on multiple occasions, Capital Accounts continued to inaccurately verify this non-existent debt in violation of FCRA, California FCRA, and other consumer protection statutes. 

I intend to sue Capital Accounts for its several violations of federal and state statutes but would also like to request that the CFPB intervene immediately. Given the almost 1,000 complaints against Capital Accounts, I also request that the CFPB refer this matter to the California Attorney Generals Office as well as to other State Attorneys General. I intend to file complaints with the California Attorney General myself as well as to the California Medical Board since this is purportedly related to a medical debt. The medical clinic and doctor can be accountable for these state and federal violations! Hopefully, there will be action taken against the medical license and discipline by the California Medical Board against the doctor!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
On XX/XX/2019 Jefferson Capital Systems levied my bank account for {$6000.00}. There was no payment arrangement accepted. I offered to pay on a debt that was very old and beyond the statute of limitations in my state of Ohio. 

The debt was clearly time barred and yet the company was rude over the phone, mean when I asked questions about the debt and unwilling to work with me on payment arrangements. 

The company now is not picking up the phone when I call and the attorney XXXX XXXX is not returning my calls to discuss the matter. 

This company is not abiding by the law and needs to be stopped much like XXXX XXXX had to be years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: NV

Complaint narrative:
On XX/XX/2019 I received dispute results from Experian for report number XXXX. The results stated that the tradeline XXXX XXXX was reporting accurately. The 'terms '' of this tradeline are not correct. The tradeline was allegedly investigated by Experian through XXXX. This investigation is null because the reported 'terms ' are not correct. The report also states that I was 30 days late Experian is also reporting late payment information.

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 2019-11-30 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: NV

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute letter to all 3 Major Credit Bureaus about accounts on my Credit Profile that was inaccurate. All The major credit Bureaus submitted me an reinvestigation completion letter on XX/XX/XXXX. 

The reinvestgation letter stated that all accounts have been confirmed as accurate and that the investigation was complete. On XX/XX/XXXX, I submitted a 2nd letter to all major Credit Bureaus asking them how did they verify this information and I would like Validation from them as to who they spoke with verifying this information. 

All 3 Major Credit Bureaus have yet to provided me with validation information on how they confirmed these delinquent accounts were mine. They have yet to respond accurately to my second letter. Instead, these major credit bureaus have ignored my dispute letter and letter of validation. I have yet to receive an accurate response and validation of my accounts. It has been over 30 days since my 2nd dispute letter.

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 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC.
State: LA

Complaint narrative:
Jared is showing on my credit report as a charge off that is a closed account on XX/XX/2016. This company does not show the payment status on the credit report. It also shows that the last payment was XX/XX/2016 which is after the account has been closed. During the time the company had me enrolled in payment protection insurance without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: TN

Complaint narrative:
My name is XXXX XXXX XXXX. I live in XXXX, TN. XXXX. XXXX XXXX someone tried to finance a car at XXXX XXXX XXXX in XXXX, AL., after three unsuccessful attempts with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX the credit monitoring service notified me. I called XXXX of XXXX with little concern for error. I decided to ask for accounting department. Explaining again the mistaken identity an employee admitted to a customer with a name similar to mine had tried to finance a car and also in entering the incorrect data that identified me along with other information that did not check out correctly.The 4 hard inquires hit on TransUnion. This field of information and workings was not familiar to me and has consumed many hours of research and inquires to the appropriate companies with absolutely NO help, concern or even a comment on getting the hard inquiries removed. Well i stand corrected one more I did speak to head of accounting and were sorry for the error and explained it was my responsibility to resolve the issue. Needless to say. They created And they should correct all mistakes.

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 2019-11-30 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: NV

Complaint narrative:
I recently disputed fraudulent items on my credit report that were reported to FTC. According to Equifax their 'investigation ' sustained that these tradelines were accurate. This is impossible, as they are fraudulent and should not be reporting on my credit report. 
Attached, is the filed FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: NV

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute letter to all 3 Major Credit Bureaus about accounts on my Credit Profile that was inaccurate. All The major credit Bureaus submitted me an reinvestigation completion letter on XX/XX/XXXX. 

The reinvestgation letter stated that all accounts have been confirmed as accurate and that the investigation was complete. On XX/XX/XXXX, I submitted a 2nd letter to all major Credit Bureaus asking them how did they verify this information and I would like Validation from them as to who they spoke with verifying this information. 

All 3 Major Credit Bureaus have yet to provided me with validation information on how they confirmed these delinquent accounts were mine. They have yet to respond accurately to my second letter. Instead, these major credit bureaus have ignored my dispute letter and letter of validation. I have yet to receive an accurate response and validation of my accounts. It has been over 30 days since my 2nd dispute letter.

Company response to consumer: Closed with explanation