vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo Financial Bank opened up an account in my name without my authorization or permission, and sent me a XXXX XXXX XXXX credit card ending in : XXXX, I never applied for the XXXX credit card account. The XXXX credit card account has a current balance of {$4300.00} which is not my charges or credit card account. I contacted my 2 U.S. Senators from Arizona, thats U.S. Senator XXXX XXXX and XXXX XXXX in regards to my issue. Senator XXXX and XXXX sent me a letter assuring me they would look into this matter and contact executives from Wells Fargo Bank to seek an immediate resolution to this matter. Senator XXXX informed me that hes considering calling Wells Fargo Bank Executives to Congress for more senate confirmation hearings on my issue and other constituents in their district complaining of the same issues and problems. Wells Fargo Bank Executives has appeared before Congress for congressional hearings the last few years to answer for Wells Fargo Bank opening up millions of checking and credit card accounts in peoples names all over the country without their permission or consent. Wells Fargo Bank just settled a National lawsuit for opening up accounts all over the country in Americans names without their permission or consent. I was part of the class action lawsuit and Wells Fargo Bank just credited my checking account XX/XX/XXXX for {$85.00} as part of the class action lawsuit settlement for opening up a checking account in my name back in XX/XX/XXXX/XX/XX/XXXX without my permission or consent.

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 2017-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I accidentally deposited a check that I thought was my VA XXXX monthly allowance. Similar amount to my usual monthly deposit. I realized the error after the fact but the bank was closed. I had to wait until the next business day in order to fix the error. My VA monthly allowance was deposited electronically to cover the negative balance. I then requested that the account be closed due to it being compromised. They closed the account per my requested but then reported me to XXXX even tho I fixed the error the next business day. US Bank - XXXX is unethical in their banking practices and should be further investigated. I have document proof, bank statements, and receipts in order to have my name removed from 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 2017-11-25 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear Sir/Madam : I have been in the XXXX Credit Fraud. I have had XXXX credit inquiries by XXXX XXXX XXXX for XXXX. XXXX was on XX/XX/XXXX and XXXX was on XX/XX/XXXX. I  called Chase Bank and they notified the Credit Bureaus and I have personally sent in the letters from Chase Bank. They are still on my report. 

Fortunately, I had another attempt but it does not show as my credit is locked. 

I find this so disheartening as I have worked my entire life for a good credit report and I am now constantly having to worry about these attempts. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-25 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I scheduled a credit card payment through Bill Pay for the day it becomes due ( the day after the billing cycle ends ). The payment was applied to main balance without being applied towards the amount due. This is after Chase Credit Services allowed a Bill Request taking me over my credit limit even though my JPMorgan Chase accounts have been locked for more than 10 years against overdraft and over limit usage at my to resolve another problem at that time. 

Since, I have receive conflicting requests of the amount due where my account statement online has one amount and the robocall collectors state a much higher amount ( over {$100.00} difference ). I do have recordings of the robocalls and screenshots of my online statement. The robocalls have been 5 times per day whether answered or not in harassment which have also disturbed my necessary rest required for health reasons. 

I do have a letter from Chase Executive Services stating a bill can not be paid on the day it comes due and the bill must stand for 24 hours first. 

As a note in another issue, JPMorgan Chase has been making fraudulent accusations and committing defamation of character through credit reporting. I NEVER take direct action to take my credit card above its limit though I may come with {$1.00} of my limit at times. Any request to go over my limit is absolutely denied due to previous agreement. Yet when Chase Credit Services applies their bill, it takes my card over the limit ( acceptable and understood ) but Chase Credit Services report to the credit monitoring companies this is my action rather than their billing action. 

I have also directly requested the name of the legal responsible party for both JPMorgan Chase and Chase Credit Services to be named in lawsuit and, while he information has been repeatedly promised, it has not been forthcoming in the time they promise in order to delay the filing of legal complaint. 

Chase has also now created a situation where a bill paid directly through Chase on the actual due date is now applied a day or days later if weekend where they charge a late fee even though the bill was paid directly through the bank account to the card on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In 2003, I obtained a Best Buy Credit Card. It is currently serviced by Citibank. I noticed that I have been being charged up to 12 percent annualy for " debt protection '' which I never agreed to purchase from 2003 through present. I requested that Citibank send me the proof that I signed up for this service ( a signiture or other affirmation that I agreed to purchase " debt protection '' ) After numerous calls to Citibank, I was told the " debt protection '' was provided by a third party, but no one knew the name of the company that provides the " debt protection service. '' I later found out it may have been provided by a subsidiary of Citibank which is an insurance company. Even the cancellation department for the " service '' was unable to explain who they worked for. I was told they would be recording my call, when I asked if I would have equal access to the recording, I was told " no. '' When I asked whether I could record the call, the person asked a supervisor, then got back on the phone, and told me since I asked to record the call she could n't talk to me and immediately hung up. I called back and said I would talk to them under duress. They agreed to cancel the service, I never agreed to pay for in the first place and told me that another department which they only have an address for that has no phone number I could call or email address would find the proof that I signed up for the service. 30 days later, I received a letter saying Best Buy 's records indicated that I signed up for the service with NO proof that I did sign up. I called back and explained again that I think they have been fraudulently charging my card for a service I never agreed to pay for and I mentioned that it appears that Citibank entered into a consent Order in Federal Court ordering it to pay XXXX XXXX dollars to consumers for the exact same issue I am having. Specifically, that debt protection service was charged without ever being authorized by the consumer. I was told, they have no idea about that. I again demanded all amounts that I was fraudulently charged since 2003 be refunded to me with interest. Against 30 days later, I received a letter saying their records indicate that I signed up for this service in 2003, again with no proof that I did in fact sign up for the service. It has now been almost 3 months since I started this process of attempting to get the money they essentially stole from me back without filing a lawsuit.

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 2017-11-25 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: Synovus Bank
State: IL

Complaint narrative:
In a letter from Vice President XXXX XXXX he stated that his company did not receive my certified mail. Attached is the letter from VP XXXX XXXX and the confirmation from USPS confirmation of delivery. In the letter he also stated that my phone number and email matched. In  general if someone used a person 's information that information would match. I am shocked that the VP XXXX XXXX would make that statement to verify an account. The statement and the proof of delivery that I provided shows that the VP XXXX XXXX did not do a accurate investigation or that he will lie to not do a proper investigation to close a case. So I ask did VP XXXX XXXX lie in his letter to avoid not responding in the 30 days and in this case the 9 months. Did my letter get tossed in the garbage like many by VP XXXX XXXX. The law states 30 days and I 'm sure VP TXXXX XXXX saw this and noticed it 's been 9 months. So I ask VP XXXX XXXX where is the certified letter, I provided supporting documents. Once again the letter VP XXXX XXXX submitted is a LIE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: RI

Complaint narrative:
Iberia Bank Credit Card was cancelled online and via mail with XXXX balance due, and prior to annual fee being due. Card was then charged annual fee, then late payments were charged also. XX/XX/XXXX online contacted to remove fee, XX/XX/XXXX, Iberia email says dispute resolved, approved. XX/XX/XXXX balance of XXXX not credited, contacted again using their online service to ask why charges have not been removed, asked that they be removed immediately. XX/XX/XXXX Iberia email says transaction dispute approved. 
However, charges still appear. I also received a late payment notice dated XX/XX/XXXX. Obviously they did not clear it onXX/XX/XXXX as stated in their email message to me.

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 2017-11-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
About two months ago, Kohl 's began calling to collect for purchases and for added interest and late fees. I have not seen the charges, but I believe purchases are in the approximate area of {$100.00} and interest/late fees take the charges to {$250.00}. They have the incorrect address and phone number and will not accept my current address, saying their system can not handle an address overseas. I have never received a statement explaining the charges they want to collect for. I have received numerous phone calls from polite ladies, and have given them my correct address ten times or more. They refuse to change my address and continually maintain an address in XXXX where I have not resided for several years, whoever is living there does not know me and vice versa. I do not have the credit card if they sent one, it went to an incorrect address. So I have no account number to look up my account online and they refuse to send the bill by email or by regular mail. 
I have requested to speak with managers and supervisors with authority to help me see my statements. Unsuccessful. I was transferred to the President 's Office, no answer. I called the Legal Department and left a message to return my call ... no return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have a XX/XX/XXXX bankruptcy on my file that I have been disputing for over 1 year. Equifax keeps replying as accurate and verified. I even contacted my State court and they verified that they do not give out any information to third parties or credit bureaus. On XX/XX/XXXX I sent a certified letter to Equifax requesting physical documentation. They fail to send me physical documentation as requested. According to the FCRA section 609 ( a ) ( 1 ) ( a ) the credit bureau is required by law to verify through the physical verification any and all accounts that they post on a credit report. On XXXX XXXX I received another updated report with the same thing " verified ''. Also claiming that the information came from XXXX. I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX and he did verify that Equifax did not request an inquiry of my public record. Also, I suppressed and froze my report with XXXX on XX/XX/XXXX. According to XXXX my file has a security freeze and credit bureaus will not have access to my file. So how could Equifax say they investigated and verified my dispute? ON XX/XX/XXXX filed a complaint with the BBB and they notified me after 30 days stating that Equifax has not responded back to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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: IL

Complaint narrative:
In a letter from Vice President XXXX XXXX he stated that his company did not receive my certified mail. Attached is the letter from VP XXXX XXXX and the confirmation from USPS confirmation of delivery. In the letter he also stated that my phone number and email matched. In general if someone used a person 's information that information would match. I am shocked that the VP XXXX XXXX would make that statement to verify an account. The statement and the proof of delivery that I provided shows that the VP XXXX XXXX did not do a accurate investigation or that he will lie to not do a proper investigation to close a case. So I ask did VP XXXX XXXX lie in his letter to avoid not responding in the 30 days and in this case the 9 months. Did my letter get tossed in the garbage like many by VP XXXX XXXX. The law states 30 days and I 'm sure VP XXXX XXXX saw this and noticed it 's been 9 months. So I ask VP XXXX XXXX where is the certified letter, I provided supporting documents. Once again the letter VP XXXX XXXX submitted is a LIE.

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 2017-11-25 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: IL

Complaint narrative:
In a letter from Vice President XXXX XXXX he stated that his company did not receive my certified mail. Attached is the letter from VP XXXX XXXX and the confirmation from USPS confirmation of delivery. In the letter he also stated that my phone number and email matched. In general if someone used a person 's information that information would match. I am shocked that the VP XXXX XXXX would make that statement to verify an account. The statement and the proof of delivery that I provided shows that the VP XXXX XXXX did not do a accurate investigation or that he will lie to not do a proper investigation to close a case. So I ask did VP XXXX XXXX lie in his letter to avoid not responding in the 30 days and in this case the 9 months. Did my letter get tossed in the garbage like many by VP XXXX XXXX. The law states 30 days and I 'm sure VP XXXX XXXX saw this and noticed it 's been 9 months. So I ask VP XXXX XXXX where is the certified letter, I provided supporting documents. Once again the letter VP XXXX XXXX submitted is a LIE.

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 2017-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I was charged a monthly maintainance fee of {$5.00}, but I kepted the minimum required balance of {$300.00}. At the time I was charged, my balance was {$300.00}.

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 2017-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is holding my work check which I 've deposited multiple times before. They wo n't make my funds available for 2 weeks. They 've caused me to go overdraft on bills that I need to pay.

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 2017-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Made XXXX/2017 payment via an ACH payment through my bank. Escrow had changed raising payment by {$100.00} causing payment to be short by that amount. Instead d advising me they posted the payment of {$1400.00} as a principle payment and posting nothing towards my XX/XX/XXXX payment. As a result they reports to the credit bureaus that I am 30+ days past due. My credit score droped 126 points due to this. I have never been late in the 10 year history of this mortgage. Worst yet, they never notified me of the problem. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
The company calls my parents about my debt and they are not involved at all in this situation. I do not live with my parents and they should not be calling my parents at all about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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: TX

Complaint narrative:
I sent dispute letters via mail in online to Equifax XXXX and XXXX, each of them the sent me results with in five days saying investigation is complete but I do n't understand how you can complete a ingestion with in 5 days. I was apart of the Equifax data breach in it is a lot of stuff on my credit report that does n't belong to me. in the following is as listed XXXX XXXX 's XXXX XXXX XXXX XXXX and also XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have a program set up with Navient that automatically debits my loan payment and they have been taking my monthly payment out for almost a year now. All of a sudden I am getting late payment fees, even though my payment has been automatically debited on time for months! I called Navient and they said do n't worry it was a mistake in the computer and to ignore it well then today I get a notice that my credit score went down for delinquent/late payments to Navient!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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:
I sent dispute letters via mail in online to XXXX Transunion and XXXX, each of them the sent me results with in five days saying investigation is complete but I do n't understand how you can complete a ingestion with in 5 days. I was apart of the XXXX data breach in it is a lot of stuff on my credit report that does n't belong to me. in the following is as listed XXXX XXXX 's XXXX XXXX XXXX XXXX and also XXXX 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