vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been banking with Wells Fargo Bank for a long time. I have XXXX by Wells Fargo checking account. My balance in the checking account have been above {$5000.00} constantly. My understanding is that daily balance {$5000.00} or above earns 0.05 % interest rate and below earns 0.01 %. It had been like that for a while ( more than a couple years ). All of a sudden, in XX/XX/XXXX the interest rate I earned changed ( to 0.03 % ) and in XX/XX/XXXX it went down to 0.01 %. I wonder that the bank might have changed its interest rates. I searched online and called Wells Fargo. The lady I talked to showed me where online I can find the information. I found that the rates for the XXXX by Wells Fargo checking stay same as before - 0.05 % for {$5000.00} or above balances. My question is why the bank only credited me 0.01 % even though my daily balances have been above {$5000.00}. I asked whether the bank changed the interest rates only in the months of XXXX and XX/XX/XXXX and changed them back as of today ( XX/XX/XXXX ). The lady I talked to could not confirm and kept saying the bank has the right to change interest rates as the rates are variable. I suspect that the bank makes a mistake and requested the bank make a further research. She refused and hanged up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
For the last year I have attempted to modify the mortgage on ( 20 ) twenty different times with Chase Bank with no resolution. Chase Bank has denied my Application 20 times. I want to stay in my home. I am frustrated with Chase Bank. I want to resolve this issue Chase Bank is not working with me to rectify my mortgage issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have been going through the worst financial crisis that I could have ever imagined! XXXX  data breach along with XXXX and Capital ones and while since XX/XX/2018  Ive been personally trying to salvage my name from the ruins these companies continue to ask me to jump through hoops per their requests and Im not doing so well to do as requested. I have lost my credit card from capital one without reason and the lies that have been alleged in that circumstance is easy to prove and I have begged pleaded and bartered to submit my findings to collaborate. XXXX  hold Americans information and solicits it to gain in their own pocket while shaming our names and then asks us to do our own homework in order to be compensated as well as XXXX! I am on XXXX for XXXX  XXXX  and hi risk for XXXX XXXX and this is not good on my XXXX and yet ppl do not seem to understand the severity of these corporations. I have been in touch with these companies massively and yet nothing is being resolved and like can care less that they are the cause. People do not deserve this kinda treatment and I definitely do not because I havent done nothing to anyone. I have done my very best to maintain an adult behavior. I think that Mr XXXX at Capital one should be ashamed of his lack of concern for the consumer being neglected by his staff on his watch. I have emailed him several times with no reply. Rude! These other two companies leaking data seems to have tarnished my every possible chance of getting my equal and fair chance to getting credit and its caused me hardship. I feel as if Ill never rebound and wish I had a voice to just tell the world that this type of behavior from these corporations seems as loud and they fear no punishment as Ive seen for several months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have been going through the worst financial crisis that I could have ever imagined! XXXX  data breach along with Equifax and XXXX XXXX  and while since XXXX Ive been personally trying to salvage my name from the ruins these companies continue to ask me to jump through hoops per their requests and Im not doing so well to do as requested. I have lost my credit card from XXXX  XXXX without reason and the lies that have been alleged in that circumstance is easy to prove and I have begged pleaded and bartered to submit my findings to collaborate. Equifax hold Americans information and solicits it to gain in their own pocket while shaming our names and then asks us to do our own homework in order to be compensated as well as XXXX! I am on XXXX for XXXX XXXX  and hi risk for XXXX XXXX and this is not good on my mentality and yet ppl do not seem to understand the severity of these corporations. I have been in touch with these companies massively and yet nothing is being resolved and like can care less that they are the cause. People do not deserve this kinda treatment and I definitely do not because I havent done nothing to anyone. I have done my very best to maintain an adult behavior. I think that Mr XXXX at XXXX XXXX should be ashamed of his lack of concern for the consumer being neglected by his staff on his watch. I have emailed him several times with no reply. Rude! These other two companies leaking data seems to have tarnished my every possible chance of getting my equal and fair chance to getting credit and its caused me hardship. I feel as if Ill never rebound and wish I had a voice to just tell the world that this type of behavior from these corporations seems as loud and they fear no punishment as Ive seen for several months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: NY

Complaint narrative:
XX/XX/19 XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX, MI XXXX RE : Unauthorized Credit Inquiry To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects two credit inquiries made by your company that I do not recall authorizing. 
This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have these unauthorized inquiries removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have reached out to Capital One several times to work out a payment program on my 2 accounts that includes a reduction of the current 24.4 % interest so the the balance on the account does not continue to rise. 
I am being to told I'm not " eligible '' for any such program. I've had a reduction in income that's forcing me to work with creditors. Capital One is the only one unwilling to work with me. I want to pay the debt. I do not want to be abused in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I made a XXXX account today XX/XX/20 just to keep track of my credit since I am planning on refinancing my car this year but I saw that there were two collection accounts and a lot of inquiries that I never opened. I have reason to believe that these accounts/inquiries belong to my father XXXX XXXX XXXX because this happened in the past since we have the same name. I did not allow these accounts to be opened in my name and did I benefit anything from these accounts nor did I ever allow these companies to run/access my credit information. I filed a police report regarding these suspicious accounts/inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I dont recognize these debts, somebody stole my personal information and applied for these. However I have not had any accounts with this 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 2020-01-17 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: FL

Complaint narrative:
I dont recognize these debts, somebody stole my personal information and applied for these. However I have not had any accounts with this companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 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: SC

Complaint narrative:
I made a XXXX account today XX/XX/20 just to keep track of my credit since I am planning on refinancing my car this year but I saw that there were two collection accounts and a lot of inquiries that I never opened. I have reason to believe that these accounts/inquiries belong to my father XXXX XXXX XXXX because this happened in the past since we have the same name. I did not allow these accounts to be opened in my name and did I benefit anything from these accounts nor did I ever allow these companies to run/access my credit information. I filed a police report regarding these suspicious accounts/inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I made a XXXX account today XX/XX/20 just to keep track of my credit since I am planning on refinancing my car this year but I saw that there were two collection accounts and a lot of inquiries that I never opened. I have reason to believe that these accounts/inquiries belong to my father XXXX XXXX XXXX because this happened in the past since we have the same name. I did not allow these accounts to be opened in my name and did I benefit anything from these accounts nor did I ever allow these companies to run/access my credit information. I filed a police report regarding these suspicious accounts/inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Hello, The alledged detailed account is detailed and deliquent. Please remove this account from my personal credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Sometime in XXXX - XX/XX/XXXX - I entered an agreement with American Express one of their affiliates and/or a representative authorized to collect a debt on their behalf. The agreement required me to pay {$530.00} ( 60 % ) of the outstanding balance of {$810.00} owed on account ending XXXX. 

American Express representative took payment information " check by phone '' and assured me that American Express would notify major credit bureaus ; XXXX, XXXX  and XXXX  that this particular account has been settled as paid in full. The check # XXXX was remitted over the phone for {$530.00}, reviewed and confirmed. The payment cleared my bank account and electronically transferred to " Account XXXX AMEX Escrow ITF Account ''. My checking account was reduced by this amount, {$530.00}. 

I requested multiple investigations with the above mentioned credit bureaus, some on XX/XX/XXXX, XX/XX/XXXX and later. A few more as recently as XX/XX/XXXX because American Express has fraudulently reported the entire balance of {$810.00} as outstanding in spite of our agreement. It had been my understanding that American Express, its collection employees/affiliates and/or third parties were acting in good faith when they entered an agreement with me on XX/XX/XXXX. Furthermore, it was my understanding that American Express would honor their agreement. 

As of XX/XX/XXXX, I can see two of the credit bureaus - XXXX and XXXX  - reporting a balance for this account ending in an amount of {$810.00} in spite of our agreement. 

I feel violated and taken advantage of by this company. I also feel that the company used an " offer '' to entice me into making a payment with no intent to report accurate information to the major credit bureaus as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: GA

Complaint narrative:
I called Mohela in XX/XX/2017to let them know I am not a student at the school anymore the school continue charging the loan company. When I call the school no one in Finacial Aid is speaking to me. I did not graduated from the school I left and transfer to a accredited school

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV

Complaint narrative:
I paid several mortgage payments to my loan servicing company to pay off the loan before the end of XX/XX/2019. My last payoff was {$1900.00} including the loan recording fee of {$98.00}. I paid an additional {$5.00} and a payment of {$1900.00}, just to make sure the interest was overpaid. I called up Rushmore Loan servicing a few days later and they applied the payment to the XXXX payment and put the rest of the money into a suspense account. They told me the next payment is due in XXXX XXXX. I told them the loan was paid in full according to the payoff amount I received. I spoke to many customer services reps and each morning I checked the account, there was a different balance. Rushmore applied all the payments in XXXX to XX/XX/XXXX-XX/XX/XXXX which affected the interest and the escrow. My escrow balance was over {$300.00} in the middle of XXXX and in XXXX it dropped to {$170.00}. Very confusing since I pay the taxes and insurance. I was supposed to have my title in my possession by the end of XXXX XXXX, because I had a buyer for my residence. I called up Rushmore each day, but very little response. The buyer got frustrated with me and went elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called XXXX in XX/XX/2017to let them know I am not a student at the school anymore the school continue charging the loan company. When I call the school no one in Finacial Aid is speaking to me. I did not graduated from the school I left and transfer to a accredited school

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Portfolio Recovery Associates has now ILLEGALLY filed an ADVERSE ACCOUNT action against me with XXXX, without first sending me the LEGALLY REQUIRED notification that they now hold an account that they CLAIM that I own, with an unpaid balance that THEY CLAIM that I owe. 
They know, based on my previously filed complaints with CFPB, and based on my otherwise perfect ( XXXX ) credit score that this account does not belong to me, and is, apparently, the result of Identity Theft. 
They continue to ignore this, while just now sending me a COPY of the legally required notifications that they sent to a different person at a DIFFERENT ADDRESS in XXXX. That DOES NOT meet their LEGALLY REQUIRED Notification to ME, since I have never seen it before, AND THEY KNOW THAT. 
They started with harassing phone calls, refusing to even identify themselves, and only now providing the documents sent to the different person at a different address in response to my earlier CFPB complaints, and in an apparent attempt to cover their XXXX with the Arkansas State Board of Collection Agencies Complaint Process. 
CURRENT : They HAVE NOT sent ME any of the LEGALLY REQUIRED NOTIFICATIONS at my LEGAL address ( unchanged since XX/XX/2005). 
SO, they have filed an ADVERSE ACCOUNT in MY XXXX   Credit Report without ever sending me any of the LEGALLY REQUIRED Notifications at my LEGAL address, which they clearly have. 
This is continuing harassment, directed toward trying to get me to pay money that they know I do not owe. They believe that they can coerce me, based on my age and my exceptional credit score, into just paying a debt that I do not owe in order to get them to stop the harassment and remove their illegal Credit Report input..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
DURING THE TERMS OF THWE LOAN I REQUESTED AN EXTENSION TWICE. I PAID A {$50.00} FEE FOR ONE EXTENSION. I WILL BE FINISHED WITH THE TERMS OF MY LOAD CONTRACT ON XX/XX/2020, HOWEVER, THE FINANCE COMPANY IS NOW TELLING ME THAT I OWE THE A BALLOM PAYMENT OF {$2200.00} AS OPPOSED TO {$740.00}. THEY ARE SAYING THAT I AM BEING CHARGED {$2200.00} IN INTEREST AND WILL BE CHARGED XXXX PER DAY IF I DON'T PAY {$2200.00} IN FULL AT THE END OF THE CONTRACT ADTE.. I HAVE PAID FOR THIS VEHICAL IN QUESTION FOR THE PAST 69 MONTHS ON TIME. I KNEW NOTHING ABOUT BEING CHARGED A BALLOOM PAYMENT AT THE END OF THE CONTRACT. ITS NOT FAIR FOR ME TO BE CHARGED {$2200.00} FOR {$740.00} AND LOSE MY CAR AFTER PAYING FOR IT FOR THE PAST 72 MONTHS. I AM A SENIOR CITIZEN XXXX  YEARS OF AGE BEING TAKEN ADVANTAGE OF. I CAN NOT READ OR WRITE THAT WELL. SO, PLEASE BE ADVISED SOMEONE ELSE IS WRITING THIS COMPLAINT ON MY BEHALF. IN ADVANCE THANK YOU FOR YOUR TIME, PATIENCE, COOPERATION, CONCERN REGARDING THIS MOST URGENT MATTER.

Company response to consumer: Closed with explanation