vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
A place that said they were a lender through XXXX XXXX has scammed me into thinking I was getting a loan for up to {$9000.00}. So while speaking with them on the phone the lender stated that they needed information as far as my account number and routing number, my wife was the person speaking with them and provided that information. The next step was they continued to ask for other information reguarding the bank as well.. They wanted passwords and username in order to mobile banking the money into the account. After all that, they deposited check # 1 into the account for {$2300.00} but it had PAY TO THE ORDER OF XXXX XXXX, that was also forged with a endorced signature that was not mine. I did not know anything about a fraudulent check. Check # 2 was deposited in my account for XXXX, about 3 hours later. I notified the bank and let them know about how I think its a scam. The USAA bank said it was my wife fault for being scammed, and that when my military check gets deposited every month the bank was going to take the money. The US treasury called the bank and told USAA to return my direct deposit back to treasury since the account had fraud going on, the bank did not do so.. Now I am left with nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Bank of America XXXX Platinum Plus Mastercard. I have an auto-payment for the statement balance set up to come out on the due date. BoA only makes the minimum payment, thus surreptitiously ensuring my card has a balance, which they can then charge fees and interest on. For example, on XX/XX/XXXX the auto payment made a {$30.00} payment ( the minimum amount ) instead of the statement balance of {$1200.00}.

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 2018-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: CA

Complaint narrative:
I receive a robo call every 2 days from XXXX. This has continued for many months. They portray themselves either as debt collectors ( AFNI ) and/or financial services. When I told them to stop they are rude and aggressive. They ask me for personal and financial information. Their robo calls never stop. Oddly, they are not asking for me, but claim they are looking for someone else. 

Googling the above phone number shows wide spread harassment by AFNI.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
This company calls around 15 times a day for past due payments even when asked to not call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Trade, Inc.
State: CA

Complaint narrative:
debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: ME

Complaint narrative:
I placed a security freeze on my credit report with all 3 agencies. I have had no issue with any except Experian. I reside and have 2 home addresses. I never received a PIN in the mail from Experian. I tried to have the freeze thawed for a credit application. It is impossible to talk to a person at Experian. The internet page that allows you to unfreeze your report does not work. My thaw was rejected, with no reason given. I followed their directions and was told that I must send the following information in the mail to them in order to have the freeze lifted. I do not feel comfortable sending information in the mail that includes copies of my social security number/card, bank statements with account numbers, and a photo copy of my drivers license and other identifiable information. The other two agencies have the ability to identify me and freeze or thaw, while Experian requires that I send highly confidential information in the mail. They also do NOT return these documents. I feel that they should offer a way to do what the other reporting agencies do. I have had accounts hacked multiple times, and hence the freezes. I even paid them for their service that claims to be able to do this. However I was sent to the same page over and over. They should be required to have a phone number with a person that can handle issues like this. I am being denied credit in a timely manner by this request for all this sensitive information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California
State: CA

Complaint narrative:
Debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
this XXXX account was disputed and deleted from my credit file and now this collection place this account on again

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 2018-10-05 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: FL

Complaint narrative:
On XX/XX/XXXX someone opened a credit card in my name with XXXX XXXX XXXX for the XXXX XXXX XXXX and charged {$220.00} in my name. I notified the bank of the problem on XX/XX/XXXX when I became aware of the fraud as the card was sent to my home. I completed the investigation report and returned it to the bank on XX/XX/XXXX. I have been trying since XX/XX/XXXX to place a fraud alert on my credit report with Experian and file a dispute based on identity theft but they have refused to respond to my attempts to contact them on their website or by phone. I called the " special identity theft fraud number '' XXXX but it will not allow me to file a dispute and no one has responded to my messages on their special alert hotline number. I had no issues notifying XXXX or XXXX   and have received confirmation that a fraud alert has been placed on my account and they have acknowledged my dispute. XXXX  has been responsive in investigating the identity theft, only Experian has refused to respond.

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 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I reported a Fraud transactions to Chase Credit Card Conmpany on XX/XX/XXXX to XXXX XXXX XXXX, but Chase credit card company refused to get my credit back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have submitted a claim regarding Wells Fargo Mortgage department, committing many illegal acts on behalf of my mortgage. Including the fact they are acting illegally regarding dual tracking on my mortgage. Wells Fargo was in the process of a modification on my loan at the same time they are trying to foreclose on my mortgage. I was assured by Wells Fargo 's presidential office that rental/ contributor income could be used. Then was denied a repayment/ modification being told the opposite.

Wells Fargo has continuously lost documents including my quit claim sent to them a number of times, delaying and causing me to have a decision on a modification postponed numerous times over the past few years. Modification trial payments were made and all documents were sent in again and again and again upon request from Wells Fargo because they continued to lose documents. Wells Fargo sent me final documents with wrong information on the documents and did not follow guidelines per the quit claim. Wells Fargo assured me they would resend corrected document. I never received corrected documents. Wells Fargo has escalated to foreclosure on my mortgage.

I am able to catch up my mortgage in a reasonable repayment modification to keep my home of which I have lived in for the past 10 years with my small children. Falling behind only due to major unexpected XXXX. I am currently back to work full time. I have tried many attempts to make payments Wells Fargo refuses to take.

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 2018-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo does not deduct amounts such as presented checks, debits, withdrawals, their usurious fees, etc.., in the order they are made by the consumer. Therefore, their current balance given to consumer on bank by phone is incorrect, making it impossible to accurately balance one 's account and resulting in multiple XXXX fees that they also do not disclose in a timely or accurate manner, resulting in fees on top of fees. They will also " bounce '' the same check as many times as it is presented, collecting XXXX each time! Ridiculous practice. Once a check is returned for " insufficient funds '' that should be it. But not with Wells Fargo. They will pay things out of order so they CAN " bounce '' and collect their fees. If you call to talk about it they act as if the consumer doesnt know how to balance their checking account. It took me a year to figure this out. I have paid hundreds in unnecessary fees. They are despicable!

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 2018-10-05 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:
Asking two credit bureaus to check the accuracy of a report chapter XXXX bankruptcy on my credit file. Inaccurate information is being reported. My father and I have the same name. Please verify the account and the accuracy of the information being reported at the local clerks office. Third parties are verifying the information via online and it is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
This regards a credit card for XXXX XXXX in XXXX. It was sold to a credit collections in XXXX. I was never aware of this credit until it was reported on my credit report XX/XX/XXXX. Since this is a 15 year old account, which I don't remember I thought this was supposed to drop after 7-years. I don't even know the amount. I do know it was under my maiden name XXXX, and I was married at this time. 
The credit collections is : XXXX XXXX, XXXX. 

If you can help me get this removed, I'm on XXXX and very ill. 

Thank you, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I paid my final payment and asked for closure of the account on XX/XX/XXXX. I called the company on XX/XX/XXXX to make sure the card was closed and my money was returned to me. The customer service agent was rude and did not offer any information. I sent several message via the internet website for closure and return on my security deposit. No response. I contacted the company again on XX/XX/XXXX and XX/XX/XXXX for closure and return of my security deposit of {$300.00} to be sent to me. I have written 3 letters to the company asking for closure and return of my money. It does not take over 2 months to close an account and write me a check for my money. This company is committing fraud by stealing my deposit and not returning it to me immediately. I expect this company, bank and or credit card to return my deposit of {$300.00} to me immediately. I will file as many complaints as possible until everything is restored and all money plus interest is paid 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 2018-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Basically, my mortgage company, Select Portfolio Services, continues to stretch out these loan modification programs, then offer me a payback amount that I clearly can not afford to pay back. They keep saying they're referred my account to an attorney, but are still claiming to help me. They charge all these fees for their " review board '' which makes my payments even higher, they offer me something like {$3000.00} payments, when I couldn't afford the initial payments of {$1500.00}. I explained to them that I had been unemployed for over a year. I really think this company is just a scam. 
Then they keep offering programs like Short Sales and Foreclosures because their investors will not accept any offers and they're investors are not willing to accept not one payment. It's bad enough the mortgage interest, which they say is normal, is .8 %

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed this matter with Equifax a number of times submitted prof this was paid in full. But Equifax as ignored my complaint and has not remove XXXX XXXX XXXX XXXX still shows me as owing money. I need XXXX XXXX XXXX XXXX ending in XXXX. I am contacting a Attorney if they don't delete this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2018, there's a hard inquiry on my credit report by a company named, EQUIFAX XXXX. I did not authorize this company to run my credit. Their telephone number is XXXX. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: NC

Complaint narrative:
Asking two credit bureaus to check the accuracy of a report chapter XXXX bankruptcy on my credit file. Inaccurate information is being reported. My father and I have the same name. Please verify the account and the accuracy of the information being reported at the local clerks office. Third parties are verifying the information via online and it is not correct

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 2018-10-05 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, Wells Fargo Bank closed my personal credit card account without any notice. On XX/XX/XXXX, when I was looking at my online banking account, I noticed that my rewards were at XXXX ( I had a little over XXXX reward points ), and a brief memo was just below my credit card # stating that the account was closed and if I had any questions to call the number noted. I was in shock and furious! I called the # and spoke to XXXX from the executive offices. He said my account was at risk and therefore needed to be closed. He could not give me any further reason and he also said that they can close an account without any reason, but that I should be getting a letter in the mail.

Today, XXXX I received the letter. The letter states, " Wells Fargo regularly reviews its customer relationships in connection with its responsibilities to oversee and manage risk in its banking operations. After carefully reviewing the risk related to your account, we must advise you that your account is being closed immediately and no additional transactions will be permitted. This decision is final and can not be changed. Wells Fargo 's risk evaluation processes are proprietary and can not be shared ''.

I have had this card for about XXXX years, my FICO score with WF is XXXX, my credit card balance was {$430.00}, I have never been late on ANY payments and I always pay off my balance. I have over $ XXXX in their bank in a savings account. I have text and email alerts on all of my bank accounts with Wells Fargo.

On XX/XX/XXXX, I made an appointment with a Wells Fargo Banker at XXXX. She was on the phone for appropximately 45 minutes getting transferred to several people then finally ended up talking to the executive offices and they too told her that they couldnt give her any information on why my credit card account was closed. When I asked her to ask them that I wanted to see it in writing, that they can close a consumers credit card account at anytime for no reason they told her that it was in the brochure when I received my credit card. Really??????? Who keeps their little brochure with the fine print for XXXX years? That's absurd! I had a credit line of {$14000.00}. I'm also upset about losing all of my reward points! They can go ahead and close my credit card, but I want ALL of my points!

If they don't give me my reward points, then I will take all of my money out and put it into another bank. I have been a customer of theirs since 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 monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have just entered escrow to sell my home and discovered that XXXX has two illegitimate liens on my property. The credit card debt that the liens referred to is not mine. 
I have made several attempts to get XXXX to provide me with Release of Lien documents for me to provide to the title company, and they have not done so. Further, they have not responded to me regarding this issue or the supporting documents that I have provided. 

I am the sole owner of this property and debtor did not at the time, and does not now have an interest in the property. He did live at the property for a time, as he is my spouse. 

XXXX filed two separate judgments naming my spouse, one on XX/XX/XXXX for {$50000.00}, and another on XX/XX/XXXX for {$4400.00}. 

( also, both of these debts were filled into bankruptcy on XX/XX/XXXX, and discharged on XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I filed bankruptcy in XXXX and all accounts were closed due to this. Santandar had my auto loan and insurance paid off car after an accident. I thought I still had to pay on the balance not paid but then checked my credit report and this account was closed under the bankruptcy. This means I do not owe any more to them and they call daily to collect. This has to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
On XX/XX/2018 my old roommate was contact by Nissan Motor Acceptance in regards to my wife 's auto loan. My wife did not use this individual as a personal reference and there was no consent to contact this indivudual. I work in the industry and I am fully aware of who can be contacted and who can not be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have {$1000.00} in overdraft fees now XXXX is mine but they let {$31.00} in overdraft fees to go thru in one month didnt notify me at all my account is with wells fargo bank

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