vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Someone Kept the electric bill in my name after I moved out in XX/XX/XXXX. I called XXXX XXXX in XX/XX/XXXX when I tried to put a bill in my name and they tell me I already have an account to shock me more the bill was over due and over 4,000 dollars. From my understanding they sent over someone to shut it off and could not get in the house. I am now in debt over 4,000 because someone was using my name for this address. This is not my debt. How do I dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Within the last couple of days, a company named Portfolio Recovery reported a collection account for {$1800.00} on my credit report. Prior to this account showing up on my report, I did not receive a notice of my right to dispute. I don't believe this account belongs to me, and Portfolio Recovery never gave me the opportunity to contest it before they reported it on my credit report. This is a violation of my rights under federal collection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Wise Visa Platinum Card is taking advantage of double dipping with interest rates on cash advances along with cash advance fees as well as interest on purchases. XX/XX/2018 is when I began noticing all the fees and interest rates adding up and my credit card balance not going down. I have tried understanding what they base their charges on when contacting them, but not being a banker or stockbroker, I have no clue what an Average Daily Balance is or what an Annual Percentage Rate does. If they would just roll one fee or one interest rate into what I owe, I could see the progress with my credit card balance going down instead of not changing after I make a payment which doesn't even seem to touch the principal.

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 2018-08-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
My purse and car were stolen a few years back. As a result, my debit card was swiped across town at a gas station, an ATM, and then at an ATM that was associated with my bank. A fraudulent deposit was made into my account. I was totally unaware of the deposit, but reported all of my things stolen before I had any knowledge of the deposit. I reported my things stolen to the police. I communicated back with my bank to find out where my card had been swiped and how many times it was attempted. I reported my findings back to the police and requested that the ATM cameras be pulled so that I could press charges. This was an extremely long and drawn out process. They tried to have the cameras pull but the back hadn't fixed the ATM camera so it only caught the person 's chest and hand ( which clearly weren't mine ). As a result, the bank decided to close my account and reported me to ChexSystems  making it virtually impossible for me to get a bank account with anyone. I did my due diligence by keeping in contact with the bank, reporting what happen, and by involving the police. My account was still shut down and I have had an extremely negative experience because of something that wasn't my fault.

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 2018-08-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I opened a HELOC with Wells Fargo Bank with the terms being 10 years interest only and after the 10 years would convert to a 30 year fixed mortgage. On XX/XX/XXXX this loan became a 30 year adjustable rate line of credit not a 30 year fixed mortgage. 

On or about the month of XX/XX/XXXX, I contacted Wells Fargo to discuss what I agreed to upon taking this HELOC because I noticed the conversion was not what I agreed to because this is not a fixed mortgage what was presented at the time of conversion was {$120.00} dollars plus some change would go towards principal and the remainder would be interest. 

After speaking with customer service about XX/XX/XXXX payments being received before the XXXX of the month the due date of XXXX of the month was changed to the XXXX of the month which is something I did not request and charged more interest Wells Fargo changed the due date from XXXX of the month to the XXXX of month on this HELOC and charged more interest each month. The interest on this loan is not Fixed It's adjustable, the loan is still a Heloc but no fixed payments. 

I have never received any payments from Wells Fargo settlements monies they where applied to this HELOC without my permission and then reversed my payments.

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 2018-08-06 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: MD

Complaint narrative:
I have filed 3 disputes with Equifax concerning an account that belongs solely to my deceased husband. After my husband 's death, I found out that I was listed as an " Authorized User '' on my deceased husband 's XXXX account with XXXX XXXX XXXX XXXX. I never knew about said XXXX account, never used said XXXX account, nor do I have any financial obligation or agreement with XXXX XXXX XXXX XXXX re : said XXXX account. I only found out that I was listed as an " Authorized User '' on my deceased husband 's XXXX XXXX XXXX XXXX XXXX account when I called to notify all of his creditors of his death. I even mailed a letter dated XX/XX/2017 to Equifax from XXXX XXXX XXXX XXXX that clearly states that I was listed as an " Authorized User '' of said XXXX account and therefore I am not responsible. I asked Equifax to completely remove the account from my credit report. They refuse to remove the account. I also contacted XXXX  and they immediately removed it from my report. Equifax needs to remove the XXXX XXXX XXXX XXXX XXXX account from my report as it is not my account and I am not financially responsible for the account so it is unlawful for them to report an account that I am not legally liable for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I have a collection account on my credit report from Portfolio Recovery Associates, LLC. Please be advised that Im disputing this collection due to the facts That Portfolio Recovery does not currently have a valid license to collect debt in the state of Louisiana according to Louisiana office of financial regulations. I am requesting that you delete this account from my credit or provide me physical proof that they are licensed debt in Louisiana.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am receiving phone calls every day, and sometimes multiple times a day to resolve a missed payment on my credit card. From XX/XX/2018 to today ( XX/XX/2018 ) I have received 21 phone calls. I am attaching screen shots of the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have asked Experian to please remove the security freeze that is on my account. It has been longer than 90 days and it renewed on its on. I want it removed because I have trouble when applying for something online.

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 2018-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase bank mishandled a dispute with a merchant. 

XXXX at the executive office at XXXX ( extension XXXX ) ( actual transcript ) : Me : XXXX minus XXXX is not XXXX GA XXXX : OK again MR XXXX WE CAN DISPUTE ( That ). 

No we cant dispute math, its facts. I was scammed and Chase helped them. 

Shes in Chases executive office and shes letting foreign scam companies charge checking accounts without providing any services!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: IL

Complaint narrative:
I can no longer make the {$180.00} payment that is scheduled to come out of my account every other week. I took a loan out for XXXX and an interest rate of 593 %. I did some research on the loan and in Illinois it is illegal to have loans out for more than 400 %. My son has some mental health issues and we needed money quick but after doing some research I found that i shouldn't be paying this much interest.

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 2018-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX both my credit report and husbands showed on XXXX the account was closed with a balance. Called and the lady said oh we are getting a new account # since we did a re-term. 

XX/XX/XXXX is was updated to show open XX/XX/XXXX. 

XX/XX/XXXX they both show closed again on 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
Consumer complaint received 2018-08-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX both my credit report and husbands showed on XXXX the account was closed with a balance. Called and the lady said oh we are getting a new account # since we did a re-term. 

XX/XX/XXXX is was updated to show open XX/XX/XXXX. 

XX/XX/XXXX they both show closed again on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: GA

Complaint narrative:
XX/XX/XXXX both my credit report and husbands showed on Experian the account was closed with a balance. Called and the lady said oh we are getting a new account # since we did a re-term. 

XX/XX/XXXX is was updated to show open XX/XX/XXXX. 

XX/XX/XXXX they both show closed again on Experian.

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 2018-08-06 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XX/XX/XXXX both my credit report and husbands showed on XXXX the account was closed with a balance. Called and the lady said oh we are getting a new account # since we did a re-term. XX/XX/XXXX is was updated to show open XX/XX/XXXX. XX/XX/XXXX they both show closed again on 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
Consumer complaint received 2018-08-06 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 — Card was charged for something you did not purchase with the card
Company: Netspend Corporation
State: AZ

Complaint narrative:
On XX/XX/2018 at XXXX XXXX  MST I received an Alert to my Text Messages from Netspend Credit Card stating suspicious activity on my account and so I immediately called it using my PIN. at the same time 3 separate transactions were taking place. At around XXXX XXXX I got the rep on the phone an we went thru the process to identify me and completed that once that was done the payment that caused the alerts started to process thru my account {$10.00}, {$200.00}, {$1100.00}. she was able to stop the {$200.00}, but not the {$10.00} and {$11000.00} as the block was removed at XXXX XXXX. This Netspend company did not stop these transactions even after I said they were not me ... .I was provided the PIN the unauthorized user used which was XXXX which is the last 4 of  the card NOT the PIN. The funds or transactions were actually ok 'd and  my account was deducted. I explained this is my Rent and i need my money as this was there ERROR releasing the information. I was told it would Escalated and Disputed was it processed. I attempted to call XXXX XXXX XXXX where the purchases took place as well, and was told I would need to Dispute with Credit Card company. I have requested this is am XXXX XXXX an email advising of the Dispute requested and I was told they could not provide this information. I need this information to provide to my Rent Provider to make them aware ... I was told it takes 10 days for this to be Disputed ... I have been met with unsatisfactory service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Transunion has had my account frozen and... " In Dispute ''... for over 4 months. I can not even get a response. I am on hold till they obey the law.

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 2018-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation
State: CA

Complaint narrative:
Hello, I applied for a Loan with Avant Approx XX/XX/2018, it was for XXXX. Avant collected all of my Information, bank statements, Income Verification, Etc. I have used Avant previously with 2 different Loans totaling {$8700.00} and successfully paid back in less than a year on both loans, I have a 100 % excellent payback history with Avant. 

Avant Mis-Informed me about Reapplying & the affects to my Credit Report. 

My complaint is that after my loan application for {$10000.00} was denied, I called to Inquire, Avant Customer Service Reps told me that wait ( 30 )  days & apply again either by phone or log into my account & follow instructions on my account page, I did exactly what they told me to do BUT they MISLED me because when I logged into my account 30 days later, Avant sent me a text with another denial? I called inquiring about this text message of denial, The Customer Service Rep told me I applied for another loan too soon, I DID NOT apply again for another loan, all I did was Log into my account, NOW the CSR said I would have to wait another 30 days from XX/XX/XXXX. My Complaint is that Avant MISLED me to wait 30 days, Call Back or Log Into my Account 30 days after original application, I Followed their protocol & was MISLED again & denied to Apply within 30 days, which IMPACTS my credit score because I will now have another Hard Inquiry & I will possibly have a denial from another Loan Source

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National credit systems inc, sent me a letter stating I owed {$190.00} in behalf of my old apartment complex-XXXX XXXX but I contacted my apartments and they said I didnt owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX called my place of employment a few weeks ago the receptionist has to come tell me I have a call in front of my clients and co workers and the caller states their name and states it is a personal matter. I have a XXXX XXXX and these calls threaten the integrity of my job to receive these calls at work. My vehicle was totaled by a hailstorm in XX/XX/XXXX. In XX/XX/XXXX Capital One was paid the value of my vehicle by my insurance company. Capital One has already hired a third party to collect the balance. The 1st call from XXXX to my job I specifically told the Rep the situation and demanded they not call me at work again. I received a 2nd call a week or so later and the receptionist let me know while I was facilitating group counseling that a Rep with XXXX XXXX XXXX   was calling onpernal matter. She saw the comp name on the caller ID so now my boss knows I am getting numerous calls at my job. We have never been allowed personal phone calls at my job. I work at a XXXX XXXX XXXX XXXX that is very busy. Today I received a 3rd call at my job after numerous request to never be called here again. XXXX called me today and I informed her I was filing a complaint on XXXX XXXX XXXX for violating debt collection laws 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I had an existing account with XXXX - XXXX XXXX - XXXX XXXX. They recently went Bankrupt and closed ALL accounts. Since this happened my credit score dropped 30 points!!!! 
I can not understand how this should affect the card holder when we have no control. I have an excellent credit score. Was XXXX and dropped to XXXX. 
How do we fix this? This is totally out of a consumers control, but we shouldn't have to suffer the consequences of an account going bankrupt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: IL

Complaint narrative:
On or about XX/XX/2018, Capital One decided that it was not going to increase my credit limit even though I told them that my income had significantly increased. Capital One also informed me that my former employee did not commit fraud even though he stole company funds by using the credit card. The total of this fraud is in excess of {$5000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-06 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have filed 3 disputes with XXXX  concerning an account that belongs solely to my deceased husband. After my husband 's death, I found out that I was listed as an " Authorized User '' on my deceased husband 's Visa account with Navy Federal Credit Union. I never knew about said Visa account, never used said Visa account, nor do I have any financial obligation or agreement with Navy Federal Credit Union re : said Visa account. I only found out that I was listed as an " Authorized User '' on my deceased husband 's Navy Federal Credit Union Visa account when I called to notify all of his creditors of his death. I even mailed a letter dated XX/XX/2017 to XXXX from Navy Federal Credit Union that clearly states that I was listed as an " Authorized User '' of said Visa account and therefore I am not responsible. I asked XXXX  to completely remove the account from my credit report. They refuse to remove the account. I also contacted XXXX  and they immediately removed it from my report. XXXX  needs to remove the Navy Federal Credit Union Visa account from my report as it is not my account and I am not financially responsible for the account so it is unlawful for them to report an account that I am not legally liable for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XX/XX/2013 we traded in the vehicle financed by Santander for another vehicle through XXXX XXXX XXXX. Our credit report is stating that we were late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2013. It further states that this account was charged off when in fact it was paid in full. I spoke with Santander in detail and wrote a letter the dispute department to them stating all of this and providing them with a copy of our Retail Installment Sale Contract dated XX/XX/2013. Santander claimed they didn't get paid until XX/XX/2013 from XXXX XXXX XXXX and therefore what they have reported to the credit bureaus ( s ) stand.

Company response to consumer: Closed with explanation