vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-03 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: U.S. BANCORP
State: WA

Complaint narrative:
Identity thieves have made numerous attempts on my accounts in the last two years - one fraudulent use of an existing credit card, three fake applications for credit, multiple addresses added to my credit bureau report. 

A few months ago, I found a new address in Minnesota listed on my XXXX report, which it says it got from U.S. Bank. I have never lived in Minnesota. Never lived in the Midwest. Interestingly, the address is one where I have close friends and sent XXXX gifts in XXXX. It's incredibly disturbing that their address has been added to my report, and that XXXX  refuses to take it off. Are they now working with major retailers to get addresses where mail is sent? And why does the address have three misspellings? Seriously, every major noun in the address and city is misspelled. It's clear they are adding information into my account from highly suspect sources. 

I have tried to get this removed and XXXX  just sends me back a form response telling me how to dispute something, exactly the step that I had just taken. I want them to remove this address and not add anything else without my explicit instructions. I've had security/fraud alerts and freezes up continuously for over a year. There's no excuse for this behavior.

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 2018-04-03 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: TX

Complaint narrative:
ID THEFT! The account listed on my credit report by XXXX XXXX XXXX XXXX is a fraudulent account. XXXX XXXX XXXX is a bankrupt insurance company in California. I do not nor have I ever lived in California. The agent that XXXX XXXX XXXX XXXX says created the policy had his license suspended in Texas for fraud. Attached is my FTC ID theft report! Delete this tradeline off my report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 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: TX

Complaint narrative:
ID THEFT! The account listed on my credit report by XXXX XXXX XXXX XXXX is a fraudulent account. XXXX XXXX XXXX is a bankrupt insurance company in California. I do not nor have I ever lived in California. The agent that XXXX XXXX XXXX XXXX says created the policy had his license suspended in Texas for fraud. Attached is my FTC ID theft report! Delete this tradeline off my report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have never done business with PORTFOLIO RECOVERY # XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice not paperwork as to the transfer of title of ownership, who is this third party collections agency.Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been banking with WellsFargo for two years and my business account for 7 months and they sent me a letter stating they will close my account on XX/XX/XXXX, I called the 800 number and all they would tell me is I am high risk, I need a better answer than that, Its really sad I have been with them for two years and all they did send me a letter told me we will cancel my account on the XXXX and they do not want to tell me the reason! 
Thanks very much for the help

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 2018-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2018 XXXX XXXX XXXX, Credit Card Division requested a balance transfer which was an error. I spoke to XXXX XXXX customer service who instruction me to contact Bank of America on the electronic error of {$1800.00}. Supposedly, XXXX stated I needed to contact Bank of America to correct error and have them send back the money to my account. I did that and later received a letter of confirmation of them sending the money back. I called them a second time about the transaction getting back into my XXXX XXXX account. The rep stated that the money must go back to the account it came from and will be held in 7- 10 days. Nothing happen so I followed back up after XX/XX/XXXX and called again. Different rep ( XXXX ) and did some research who stated the money is going to mt business checking acct with XXXX XXXX, which is not back on my Visa credit card acct with XXXX XXXX. Again, expect 7-10 days. Nothing again and I called XX/XX/XXXX and spoke to XXXX with Bank of America, now she is telling me they are mailing me a check. I called again because of the mixed message of funds being released and where, plus received another letter XX/XX/2018 stating they mailed me a check but never cashed. Well, my wife and I check our mail daily, but never received anything. So, I believe Bank of America reps are lying and flowing money to make interest!!!! Another problem, the last two calls I ask for an XXXX or Department manager on the Escalation Division, but not able to or nor did any rep call me back after they said they would research with more information. Still have not received my money and it's XX/XX/XXXX now!!! The contact information in the letter is the following : Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, XXXX XXXX XXXX, XXXX, case numbers XXXX and XXXX. 
If consumers are smart don't do any business with Bank of America. Poor consumer service, will tell you lies to get you off the phone, have no integrity and honesty. Bank of America is to big and do not care for consumers!!!

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 2018-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I spoke to Chase Credit Card and asked them to remove the late fees because I paid all my credit cards automatically. I spoke to them about the late fee which they mentioned was in error and they took it off, but now they are just leaving the lateness on my credit report which is wrong. 

I called them and informed of the situation, which no body is ready to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a savings account with CapitalOne 360. On XX/XX/2018 they transferred {$170000.00} out of my savings account into an external account belonging to my wife that doesn't even have my name on it, and subsequently closed the account. They closed the account because I apparently exceeded the maximum 6 transfers per month out of my savings account in two consecutive months. Instead of calling me, or perhaps blocking my 7th transfer, or even texting me, they decide to unilaterally close my account and arbitrarily transfer the money into an account that happens to be linked to my checking account even though that had no idea who it belonged to. What if it was my contractor 's account, or what if my wife and I were divorced? This qualifies as downright gross negligence to me and I strongly urge you to penalize CapitalOne to the greatest extent possible. 

I called CapitalOne and their Manager acknowledged " this part of their process needs to be refined ''. Are you serious???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: LA

Complaint narrative:
I contacted the loan company ( XXXX XXXX XXXX ). in XX/XX/XXXX and XX/XX/XXXX. I was hounded by the company to sign my son up for student loans. when I was told that my son could not sign for the loans. I was told when I signed that this was a federal loan program using state money and that upon graduation the loans would rollover into the federal loan program and my son would sign for the loans and I would not be the co-signer. They Lied. When I signed the note in XX/XX/XXXX I asked for a copy of the documents. I was told that they would send them to me. XXXX   XXXX XXXX did not send me a copy. 
I made payments on his loans until XX/XX/XXXX, when XXXX XXXX XXXX sent me a letter telling me because my son had received a XXXX XXXX degree in XX/XX/XXXX, they would not except further payments because in the contract I signed, but never received a copy, there was a clause that if the student received a XXXX XXXX degree the loan would be for 11 years instead of 20 years. I asked for the paperwork for the change in the contract and an accounting of what I owed and a payment schedule. I never received that accounting and payment schedule. 6 months after I received the notice to stop payment I was told that I was in default. I called many times between XX/XX/XXXX and XX/XX/XXXX and I received many phone calls all with the same nasty message that if I did not pay in full they would ruin my credit.XXXX XXXX XXXX never sent me an accounting of my debt. 
XX/XX/XXXX I was working for the XXXX XXXX with a XXXX XXXX clearance. I have had credit since XX/XX/XXXX and never defaulted on any loans. the end of XX/XX/XXXX I had an interview with clearance personell. XX/XX/XXXX I was told that I had until XX/XX/XXXX to fix my credit problem. I call XXXX XXXX XXXX to resolve the problem with the same nasty people threathing me and my family. I retired because XXXX XXXX XXXX ruined my credit and I was unable to work because I lost my XXXX XXXX clearance. In in XX/XX/XXXX I received summons papers from an attorney representing XXXX XXXX XXXX. My original debt was around {$74000.00}. The summons has my current debt around {$200000.00}. To this date I have not had an accounting on the co-signed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
There are multiple credit inquires without my knowledge XXXX XXXX  XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX In Members Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Chase XXXX XXXX XXXX Inquiry from XX/XX/XXXX Chase XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Chase Card Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: Credit Karma, LLC
State: GA

Complaint narrative:
There are multiple credit inquires without my knowledge XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian credit report agency online document submission option is not allowing me to submit my dispute supporting documents. I have tried multiple times to submit supporting document on my disputing items with this agency report. On XXXX XXXX, 2018 this credit report agency had me on hold, when called them by phone, for XXXX hours. My documents where not accepted because their upload website is automatically timing out when I hit submit.

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 2018-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I have a recorded phone call, XXXX XXXX XXXX XXXX  contacted me on Monday, XXXX XXXX, 2018 at XXXX on a cell phone XXXX. When I asked the representative to identify the company she refused. I never verified my identity. She stated she could not release the name of the company. I asked her not to call me, i told her this is a cell phone and she does not have the consent to call me, and she responded that she will not remove my number and they will be calling me again. I asked for a supervisor, the supervisor came on the line and released his name and the mini XXXX without me verifying any information. I told him to remove me from the list and that I will be sueing the company if they did not remove my number because it is illegal for them to call my cell phone without consent. He said he will not remove my number and argued with me about removing the number. When I said I would sue the company he responded " You have enough money for an attorney but you can't pay this little XXXX XXXX? '' Again releasing personal information to an unverified party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is not license in the state of Georgia but they or still reporting to credit report and attempting to collect a debt that is not mine and/or is a result of identity theft/fraud. On XX/XX/2018 i have mailed a fraud package to XXXX XXXX XXXX ( PRA ) showing that that account they are reporting and attempting to collect on is not and was not the account i held with XXXX. In this package were several bills i paid to, as while as a collection letter from another debt collector showing my account number, which does not match PRA. I have asked that they remove its listing from my credit report, as i have gone above and beyond to show that PRA reports is in error and inaccurate. I also provided a copy of the police report file showing that my identity was stolen and used in prior years. To date i have not heard back from PRA, but it reporting still remains on my credit report as a valid debt when it is not. XXXX   XXXX XXXX XXXX is not license in the state of Georgia.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
XX/XX/XXXX Nationstar Mortgage, LLC aka. Mr Cooper Short Sale/Foreclosed on my home while in the process of requesting loan modification ( RMA ). In XXXX of XXXX, I had an accident at home which resulted in severe injuries and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to Nationstar Mortgage for assistance and of course got the run around so I turned to a Hud approved organization XXXX XXXX XXXX XXXX XXXX in XXXX, Georgia for help to facilitate the application. During that period I received a call from my son that a lady came by to inform me that the property was foreclosed. I called Nationstar Mortgage and spoke to a representative who informed me that she did not see the property foreclosed but I could contact the court house. Because of the time of day, and knowing that the court would be closed, the representative suggested that I contact XXXX XXXX which I did and that representative affirmed that she too did not see the property been foreclosed. The notice that was left by said lady, the property description 4//2.5br did not match my property description 5/3br w/basement. A week and half later, the said lady came back and demanded that my family immediately vacate the property, so once again I contacted Nationstar and this time was told that the property was not foreclosed it was short sale. The representative could not give me the full detail so I was transferred to the document department where I held the line for about 1.5 hours before the line disconnected. I decided to call back the next day and once again told the property was SHORT SALE, the representative even went on to explain the difference short sale and foreclosure when I asked, " What the XXXX does that mean? '' in a state of shock and dismay. I immediately ask to speak to a supervisor, placed on hold for about an hour only to be told that the supervisor would call me back on Saturday, XX/XX/XXXX between XXXX XXXX. I waited to no avail, no one called back. No one bothered to return calls to the advocate at XXXX XXXX XXXX XXXX XXXX after several attempts to reach the appropriate personnel. XXXX XXXX XXXX XXXX and I had a 3 way conversation with a representative from XXXX XXXX who stated that he had call to foreclosure attorney find out what happened to the property, did they foreclosed or was the short sale.At that I could not understand why XXXX had to call the attorney to confirm, because at that time he could not see either transactions. A wrongful Foreclosure, fraud and deception suit has been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello My name is XXXX XXXX and I am a XXXX born citizen. I have been working for XXXX XXXX XXXX XXXX for over 20 years. 
Wells Fargo and XXXX  XXXX XXXX closed both my checking and savings accounts for no reason what so ever and with no explanation. 

I truly believe they closed my accounts due to my last name -I am being discriminated against!!!

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 2018-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I have never done business with XXXX # XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice not paperwork as to the transfer of title of ownership, who is this third party collections agency.Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?

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