vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I opened a Wells Fargo Business Checking account with a promotion code in the branch on XX/XX/2019. The promotional bonus consisted of depositing {$1000.00} into new money within 10 business days which I did on XX/XX/2019 and make 5 ACH transactions with the debit card which I also completed XX/XX/2019. 

The language on the promo said I have to do this within 60 days which the banker confirmed and also reaching out to Wells Fargo XX/XX/2019. The rep confirmed my bonus and said it would be paid out within 45 days. 

When I reached out again on XX/XX/2019, the rep said my bonus was not attached. I replied that I applied in-branch and gave the promotion code directly to the banker. They said they will reach out again within 14 business days which is a very long time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-30 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: TX

Complaint narrative:
My house was sold and the loan was paid off. It did not go into foreclosure. This is a mistake, please correct it. Please remove the foreclosure remark from my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/2019, I mailed a Method of Validation letter to Equifax, exercising my rights as under the FCRA. In my letter I demanded to know specifics of how this bureau arrived at the conclusion that the alleged accounts were verified and therefore listed on my report as accurate. As XXXX XXXX XXXX states, verified means Confirmation of correctness, truth or authenticity by affidavit, oath or deposition. There has been no evidence that this has been followed in any matter. The credit bureau can SAY something has been verified but that does not mean any procedure was followed in ensuring that verification took place. 
It is my understanding that the credit bureaus routinely use a Consumer Dispute Verification Form in attesting to the accuracy of any alleged accounts. Anyone can SAY they obtained verification for one of these forms without checking into the accuracy of the alleged account. 
In accordance with my rights, I sent a letter to Equifax stating that they have not responded in a timely manner and therefore are to delete the following accounts : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( 2 accounts ) I am sending this message to the CFPB to monitor and ensure action is taken to satisfactorily resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Major Security Breach .... Capital One! 

Lost of any trust and belief in COs ability to control access and release of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ

Complaint narrative:
Company repeatedly calls but refuses to identify their purpose for calling. When inquiring about whether or not they are collecting a debt, the company refuses to answer unless I provide my social security number. They then state that I refuse to comply/cooperate. I have not received any written notification and I refuse to provide my social security number to unknown callers. The number comes back to Wakefield and Associates and occasionally they will identify themselves as the caller ( but not always ). It is impossible to discuss anything with them on the phone otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX I received the first of six letters from National credit Adjusters , LLC, claiming I owe XXXX toXXXX. Ive never taken out a loan with that company and have never heard of them until I checked my credit report at the beginning of this incident ; in XXXX XXXX looked at my credit report, but I never made any contact with them. NCAs first letter said this supposed account was delinquent and all future contact and payments were to be made to NCA, again, there never was a previous loan or any contact. Each of the subsequent letters were the same : a payment structure options plan, always for the same amount, XXXX. After researching NCA and seeing the harassment tactic claims against them, I have and will not contact them since the only have a mail address. Ive filed a claim with the FTC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Lakeview Loan Servicing did not pay my taxes for XX/XX/XXXXuntil XX/XX/XXXX. On XX/XX/XXXX I requested to have my escrow account deleted. I received a denial letter stating there was a negative balance of {$540.00} therefore the escrow could not be closed. On XX/XX/XXXX I paid the negative balance in full ( conf # XXXX XXXX. At that time I was told the account would be closed in 3-5 business days. Today XX/XX/XXXXI was on hold for over one hour and was told the escrow account is still not closed. Asked to speak with supervisor and she didn't have any answers either. She stated that department was in a different building and could not be reached by phone, only email. She said she would escalate this situation but could not give me a time frame or a direct number for her to follow up with.

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 2019-07-30 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: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
Southest is collection agency that has reported a fraudulent account on my credit report I have provided them with my information and police report regarding the matter and they have not removed the fraudulent and erroneous reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: NC

Complaint narrative:
After multiple attempts to dispute an account that was previously removed by Equifax due fraudulent activity Equifax has continuously denied me my legal right under the Fair Credit Report Act section 605b and section 611 by not blocking the fraudulent account : XXXX XXXX. Not only have denied me my right as a victim of identity theft, they have not giving me any justification other that they have received electronic verification from the aforementioned lender, the FCRA states that I am entitled to full disclosure from the credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with fraud alerts or security freezes — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Mortgage loans are open and apper on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
Switched Internet/phone service to another company and had paid my bill for the last month of service. Had nothing but problems with their billing department making promises from retention department to keep my business only to call back and find there would be no record of these promises in their sysyem. They said they always charge a month in advance and I informed them I was switching and still got sent a bill. I returned all equipment including remotes in the time frame requested and do.not owe them a thing. XXXX  has already DELETED this from my 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 2019-07-30 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: ERC
State: SC

Complaint narrative:
Received a debt collection notice on XX/XX/XXXX from a company called ERC portending to represent XXXX XXXX on behalf of XXXX XXXX. They are asking me to pay {$54.00} USD to settle a past due debt of which I have no knowledge. Reviewing my XXXX account shows I am up to date and do not owe any past due funds. Searching on XXXX shows this same scam occurred back in XX/XX/XXXX and when consumers disputed the bogus debt statements, they found that XXXX XXXX owed them money. There was also a class action lawsuit and XXXX XXXX was forced to admit a software error produced the inaccurate debt notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: LA

Complaint narrative:
On XXXX, Chase suddenly close all my credit cards because I spend over 10k on XXXX XXXX day using my XXXX XXXX signature card. I never have a late payment and my credit score never below XXXX. I called the number on the card. The representative told me they already made the decision and will not take any reconsideration. That's unfair to the customer and bring a lot of trouble to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have been the victim of 3 scams, regarding men from dating service, Our TIme, asking for money. # 1 XXXX went to XXXX for gold, over purchased and was unable to get out of the country Since XXXX, due to custom fees, tax fees, jail fees after striking a airport employee preventing him getting on the plane, and hospital fees after suffering a XXXX XXXX. He was working with a tour guide XXXX, and an attorney XXXX XXXX. Claims he has money in shares but all tied up since he is out of the country, Lives in XXXX, one of his residences. Loss of XXXX and now in debt at least this much from him. 
# 2 Contracted physician working XXXX XXXX requesting help with XXXX XXXX for vacation requests. have spent XXXX in various fees to get the vacation released. Bitcoin and one wire for transfer and still not granted due to I am unable to come up with the final {$2500.00}. required to meet the vacation request. Met XXXX XXXX XXXX stating that he lives in XXXX, however found that he is in XXXX XXXX for contracted job and needs to get out of XXXX XXXX, Was injured in XXXX himself, gunshot wound. Funds locked up at home in bank due to being out of the country. XXXX has been sent to XXXX for his release. XXXX XXXX paid and sent XXXX of the last XXXX after promising to send {$3000.00}. But still owe XXXX or they will cancel the vacation and we will have to start over. Money paid at bitcoin. Still not released. Loves me to the moon and beyond and can pay everything back once out for the vacation. All I need to do is come up with the remaining XXXX and get him out and he will reimburse me 100 % plus more for my trouble and stress. 
# 3 Our time friend 1-2 months XXXX XXXX. Went to XXXX as airplane repair job for 3 engines that needed to be replaced. Needed money as soon as he got there for custom fees, {$5000.00}. I said no and did not hear from him for 30 days. He needed my help. I was his only hope. His banker financial adviser would front the money to my account and pay credit cards as we used them to obtain money to send to XXXX in XXXX. Payments started being returned to creditors, and I have been left with XXXX debt which I can not pay off. Supposedly has unconditional love for me and ready to marry. Banker stole money from my XXXX XXXX XXXX Father 's bank account that showed in my profile after having obtained access to the account in error. 
Rules to dating. You are the queen, if they want to date you they pay and never give money to them. Never talk or date anyone outside a 50 mile radius, never allow access to bank accounts. But now I am the one who needs help. What can be done?

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 2019-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I received a call from a cell phone XXXX claiming to she had a notice to deliver to me she told me to call this other number before she tries to serve me. She gave XXXX with a case number. So I called the number & talked to a rude man who told me I was a thief. When I asked him to explain debt he explained some bogus loan that I have no idea about. All my information has been used before to open accounts that I have not opened. I told him I would complete an affadavit, he stated all I owed them was XXXX, they could sue me for 5 times that amount, so I needed to retain counsel. I told him I was not going to be strong holded by him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I XXXX XXXX have an ongoing issue and complaint against the credit reporting of BBVA USA/ Compass bank account # XXXX. The bank has consistently and I think willfully continued to report inaccurate, incomplete and wrong information on my credit reports for the last year. The account has been sold to a 3rd party collection agency ( XXXX XXXX Solutions ) whom I have dealt with months ago yet BBVA will not remove their negative information from my reports. I have tried many, many attempts to resolve this issue with the bank through means of credit bureau disputes ( that go invalidated ) and contacting the bank headquarters directly ( that are ignored ). 
I have many examples of my attempts through documents that I have sent that I kept copies of for my personal records and proof. 

I will list just some of the documents that I have sent them. 
Also I can show just some of the completely inaccurate or false information that they are reporting on my credit. 
The bank refuses to remove the information/account from my credit profile which is causing me tremendous damage and hardship in everyday life. 

Some examples of attempts to rectify the situation. 

1. I have been sending bureau disputes to Transunion, Experian and Equifax almost each month for over a year now with no clear signs of an investigation or validation of facts.

2. I have sent BBVA a cease and desist letter on XX/XX/19 & XX/XX/19 3. I sent a letter of validation directly to the corporate offices on XX/XX/19. 

4. I disputed with Equifax with markups sheet showing all of the errors and requesting deletion on XX/XX/19 All of these have gone unanswered or ignored. I have attached just some of the documents that I have as proof that I have sent over the last year to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
I have filed several disputes with XXXX XXXX and have not received a response to date. I received a collection notice from XXXX in attempt to collect a debt that is not owed. I filed a complaint with the Federal Trade Commission on XX/XX/19. The Company responded that they did not own the debt and that XXXX XXXX never responded them with verification of the debt. Again, to date I have not received any further response. On XX/XX/19 I received a new notice from Sequium Asset Solutions attempting to collect on this debt. I have notified the Company of my dispute. I have made many attempts to stop this collection activity. XXXX did not respond to my dispute as required under the FCRA. Please note that I was affected by the XXXX breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one performed a hard inquiry on my credit report that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 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: SIMM Associates, Inc.
State: NC

Complaint narrative:
Simm Associates is continuing to report a collection account in my XXXX  report that has been recalled months ago by the original lender. They cant take payments or discuss the account I called and confirmed. They confused me with anther person in my initial complaint so I am refiling. 

Thanks XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2019, I made a deposit of {$530.00} into my checking account and the money was illegally/fraudulently withdrawn. Evidently, Wells Fargo Bank employees were micro managing and/or flagging my account status in order to process the unauthorized withdrawal and impose a negative account balance on its customers by charging them {$120.00} processing bank fee. 

I believe these financial misappropriations are premeditated in order to charge customers excessive bank fees. So, that Wells Fargo can recuperate the {$85.00} million dollar class action suit which, they already owe their clients by defrauding customers into unauthorized bank accounts. 

I personally visited the Wells Fargo XXXX Florida Corporate Branch location on XX/XX/2019 to dispute the matter in its entirety. I spoke to a Ms. XXXX XXXX, and explained to her that I was disputing the fraudulent transaction ( s ) amount in its entirety. Ms. XXXX, then misled me into believing that she would file a claim on my behalf all I had to do was sign a dispute. Instead she was deviant in having me sign an agreement that she had me understand and believe was merely a dispute of my checking bank accounts fraudulent activities.

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 2019-07-30 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: MS

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
RE : XXXX for Title Max - I received a collections call today, XX/XX/2019 from Title Max collections department claiming that they were authorized by TMX paralegal XXXX XXXX because she has not received any of the official legal documents from enforcement or other authorities validating my claim of ID Theft ( no money in the bank ) and my need for a hardship consideration and payment arrangements. Her dead line to receive these documents was stated in her XX/XX/2019 letter was due by XX/XX/2019. I faxed all document on XX/XX/2019 ( w/ fax receipt confirmation ). I did email these very same documents a week or so prior to the letter and fax request by XXXX but was informed that Title Max legally could not accept emailed documents only faxed or mailed hard copies. The fax contained 7 pages including police report and affidavit and the letter attached to this CFPB online follow up for Title Max.

Company response to consumer: Closed with explanation