vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I attempted to purchase some clothing on XXXX from what seemed to be a ligit website on XX/XX/2018. The seller offered 3 different payment methods, XXXX, XXXX XXXX, money order. I chose XXXX because I figured a bank was involved so it has to be credible, after speaking to the seller via text and placing my order once I transferred the {$250.00} the seller seemed to stop responding to me so the next day the name of the website was changed from XXXX to XXXX, so I called the bank wells fargo and reported it they pretty much told me their not responsible because I authorized the transaction my claim # XXXX I also made a police report # XXXX. These banks are allowing criminals to use their establishment to commit crimes and dont even investigate it. My name is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not apply for a XXXX XXXX XXXX XXXXXXXX account or any account related to them on XX/XX/XXXX. Please remove it from my XXXX credit report immediately. 

I did not apply for a XXXX Credit Card on XX/XX/XXXX. Please remove it from my XXXX credit report immediately. 

I did not apply for a XXXX account on XX/XX/XXXX. Please remove it from my XXXX credit report immediately. 

I did not apply for XXXX XXXX XXXX XXXX on XX/XX/XXXX. Please remove it from my XXXX credit report immediately. 

I did not apply for a XXXX XXXX Credit Card or any card related to them on XX/XX/XXXX. Please remove it from my Experian credit report immediately.

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 2018-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Tracking number # : XXXX Mortgage Company : Caliber Home Loans I had a pip break in my kitchen on XX/XX/2018 and I had to file a claim with my homeowners insurance company and settled the claim in late XXXX. We received payment for the repairs of the house however, our finance company is listed. I contacted my mortgage company right away for the steps to take in order to have the payment endorsed. They are requiring a contractor to fix the house in order for them to release payment to the contractor after the repairs are done. The problem is that my husband and I have met with several contractors and non of them are willing to repair my house for the amount the insurance company settled for. I told Caliber Home loans that I would like to have the payment released to us for self repair as it is too expensive to hire a general contractor to repair my home. After numerous documentation forward to them and numerous contacts caliber still insist that their is not they can do for us and we have to get a general contractor even if its more money to fix the house. The resolution specialist that has been handling our claim states that the only way they can release the payment to us is if we send them receipts of the repairs ... .... how can we repair the house if we dont have money??! She even went as far as telling my husband to get a loan to repair the in the meanwhile they may decide to release the funds to us. I have a hole on the outside wall of my house where water is still coming in through, its been a nightmare with this mortgage company. They refuse to make an exception. I need to repair my house because we are still in Hurricane season and XXXX forbid one comes and damages the property even more. Caliber Home Loans has hindered myself and family from living a health and happy life in our home just because they are not willing to make an exception. They also want us to pay for the post appraisal to the residence after its repaired for a fee of {$30.00}. If its documentation that is needed for their file, we as the borrowers should have to pay it. I pay enough. Im going through a hardship now where Ive even lost my job and they still wont help me. All I want is for them to approve my claim and endorse the payment in order to fix my house. I just want to fix my house! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2018 while traveling to an appointment I started to receive calls from an unknown number. After recieving repeated calls, I called the number back to find it was Chase informing me that my account was past due.I received 5 calls total of harrassment between XXXX-XXXX on XX/XX/XXXX. I believe I had payed that account already so I requested a payment history be mailed out. 
On XX/XX/XXXX, even after requesting a copy of my payment history, I recieved 3 more annoying calls between XXXX -XXXX. At this time i reviewed my online banking & an authorized a payment of {$200.00} to Chase. 
On XX/XX/XXXX, i get off from work to find that I already have 2 missed calls from Chase. I call the number back @ XXXX. I speak with a representative named XXXX. I informed him that i had request a payment history but I had also already sent over payment because of the amount of calls I was receiving. I informed him that the calls were excessive and his response was that it was not a representative but an auto dialer and that my payment had not been recieved. I verified with XXXX that the payment was pending on my end for XX/XX/XXXX. I again informed him that the calls were excessive and that more than 2 or 3 calls should not happen. He ignored my concern & stated he would note my account that a payment will be made XX/XX/XXXX which should end the calls. My concern is that a limit of calls needs to made with their " auto dialer ''. No customer should recieve 5 calls in one day for any reason. These calls were within a 9hrs period & often less than 2 hours apart.It is abuse and harrassment and needs to change immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was XXXX on XX/XX/XXXX17 and the following month 's XXXX payment of {$730.00} was stolen while the only card for the account was in my property at jail! How is that even possible .... Further more when I got out a year later they refused to refund the money cause it was over 90 days. I had the only card locked and protected by XXXX county 's finest ( the XXXX county sheriff 's department ) How could anyone get access to my account? How I understand it all this time later is there was a prepaid card issued and the funds stolen that way. but how can they issue me a card and I not know it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc.
State: NJ

Complaint narrative:
A claim was filed on XX/XX/2016 against me in the amount of {$9200.00}. I repeatedly get phone calls regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Consumer Financial Services
State: IL

Complaint narrative:
i HAD WAS UPSIDE WITH THE LOAN IN HAD SPENT {$7.00}, XXXX IN REPAIRS ON THE VEHICLE. AND COULDN'T KEEP PAYING ON THE VEHICLE AND REPAIRS. SO I EMAILED THEM XX/XX/18 AND TOLD THEM I WAS VOLUNTARILY SURRENDER THE VEHICLE. I DROPPED THE VEHICLE XX/XX/18 THEY STARTED CALLING EVERYDAY OVER AND OVER. THEY CALLED MY EMPLOYER TELLING THEM I HAD ABANDONED THE VEHICLE. THEY CALLED BOTH MY PLACES OF EMPLOYMENT AND TELLING WHOEVER ANSWERED MAKING MY PERSONAL BUSINESS PUBLIC. THEY EVEN CAME INTO MY PLACE OF EMPLOYMENT ON XX/XX/18, SHOWED UP TO TRIED TO SERVE ME. THEY HAVE CALLED AND TOLD BOTH MY EMPLOYERS THAT THEY ARE VERIFYING EMPLOYMENT TO SEND FOR WAGE GARNISHMENTS. WHEN THEY DON'T HAVE A COURT ORDERED JUDGEMENT. I HAVE CALLED THEIR ATTORNEY SEVERAL TIMES AND EMAILED THEM TO TRY MAKING AN AGREED PAYMENT PAYMENT PLAN. i WISH I HAD READ THE REVIEWS ON THIS COMPANY BEFORE I HAND. THEY HAVE THE WORST REVIEWS AND WORST CUSTOMER SERVICE. THEY HAVE BEEN SUED SEVERAL TIMES FOR VIOLATING THE FDCAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have already filed a complaint with other bureaus but EQUIFAX continues to report this false debt to my name. I have attached documentation to show that I paid this balance that was owed to the original place of business - XXXX XXXX XXXX. I do not owe this collection agency anything, nor did I ever! 

THIS IS UNTRUE. I have called XXXX and Equifax several occasions and nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
On XX/XX/2017, I was sent a letter from Portfolio Recovery Associates claiming I owe them {$790.00} to which they reported on all 3 of my Credit Bureaus as a collection account. I later contacted the Credit Bureaus letting them know I that this account was not mine, after that I contacted the company directly in written requesting the information that they held to verify that this was an account to which I own. They only sent me an itemized letter that can easily be fabricated, nothing with my signature or an agreement to pay what they are saying I owe. No detailed payment history saying what I own the money for or how they calculated it.

I asked for the statue of limitation on the debt to which they say I owe since they are reporting it in collections, I asked for proof they are licensed to collect in the state of South Carolina along with the license numbers of their Registered Agent or Agent of Service. To which they completely ignored and only sent another bill with the same itemized letter and saying they will no long respond to my request.

They have removed this account twice now and added it back to my Credit Bureaus in different amounts, they are harming my overall credit score and blatant fraud. I wish have this issue resolved and the account removed for good this time. I am prepared to take legal actions if need be but I'm contacting you to see if this can be resolved before litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXX an ex of mines stole my card. They also went ahead and stole my phone my wallet accompanied by my debit card. I contacted Wells Fargo Bank as of Monday in order to to inquire about my lost card as well as transactions being made on to my account that weren't authorized by me because my card was stolen. I was told that would be checked into and that funds will be directed back into my account after investigation is done. I checked on my account multiple times throughout the week without any type of reach out from Wells Fargo, then on XX/XX/XXXX I reached out to Wells Fargo claims department and they told me that my claim was going to possibly be denied although it was still open that my claim was going to be denied because the ATM transaction withdraws were authorized because he had my ATM pin beforehand. I have a police report number, I have my attorneys number, and I have all documentation from reporting the fact that my things were stolen on that date. When I told Wells Fargo this they still told me that they were not able to reimburse the charges over to me because they claimed they were authorized and valid I asked to speak with multiple people as well as multiple people to take legal action against Wells Fargo because they are being fraudulent as well by letting these charges go through on to my account.. when I was transferred over to a supervisor and let them know that I needed information in order to take that legal action against them they then told me that they were disconnecting the call and hung up on my face I have recordings of this as well as I have again all documentation of the report and of the theft the amount that I am filing a claim for is {$400.00} I need help with this because Wells Fargo is crooked and they are not trying to help me this has interfered with my rent and my living status as well as my food and my transportation please 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 2018-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
on XX/XX/XXXX at XXXX XXXX, i filled a complaint ( complaint # XXXX ) against XXXX store card - GE because they intentionally failed to send me monthly statements for the past 12 months in order to charge me monthly late fees. 
In response to my complaint, Mrs XXXX XXXX, On behalf of XXXX XXXX intentionally misrepresent facts by stating that " on XX/XX/XXXX, you enrolled at the time of application in our eBill program to receive electronic billing statements. '' This claim is completely false because I have never enrolled in the eBill system and Mrs XXXX did not provide any material proof or fact to corroborate that I did enroll in an eBill system on XX/XX/XXXX. 

Further Mrs XXXX also stated " On XX/XX/XXXX, You changed your statement delivery option to receive paper statements. '' This claim is also completely false and absurd since I requested my account to be close on XX/XX/XXXX and sent a complaint to CFPB on XX/XX/XXXX advising them I requested my account to be close effective XX/XX/XXXX. 
How can I make change to an account that that has been already close? 
The records about my login activity will clearly show no activity on XX/XX/XXXX and our conversation was recorded on XX/XX/XXXX. 

There is a clear pattern of willful and intentionally misrepresentations about the method of statements delivery by Mrs XXXX on the behalf on XXXX XXXX and this clearly amount to Fraud by XXXX XXXX. 

Therefore, I am requesting the refund of {$350.00} for all the fraudulent lates fees that synchrony bank charged me during XXXX and a formal investigation by CFPB of XXXXXXXX XXXX activities regarding fees charged to 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 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I received a call from " CMRE Financial Services , Inc. '' claiming they were trying to collect information about a debt that is owed. I called back but they refused to give me any information without me providing my birth date or the last four ( 4 ) digits of my social security number, which I refused to do. In researching the company, I found they are known for making fraudulent calls and mostly attempt to collect debts for medical services. To the best of my knowledge all of my bills for medical services are paid in full and I do not have any outstanding medical debt. I am concerned this company is trying to fraudulently collect a debt that is not owed and it will negatively affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: GA

Complaint narrative:
I did not apply for a XXXX XXXX XXXXXXXX XXXX account or any account related to them on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for a XXXX Credit Card on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for a XXXX account on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for XXXX XXXX XXXX XXXX on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for a XXXX XXXX Credit Card or any card related to them on XX/XX/XXXX. Please remove it from my XXXX credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
This is a formal written complaint about the matter related to my PNC Bank complaint reference # XXXX. 

In a PNC offer I received that had an expiration date of XX/XX/XXXX. I took the offer to mean that both the balance transfer amount and the amount of any purchases during the promotional APR period would be subject to the 0.00 % rate through XX/XX/XXXX. Then as the offer states, After XX/XX/XXXX, you will be charged the standard variable APR for purchases. 

I spoke with three members of the complaint escalation team, all helpful, but the conclusion being that PNC intended the offer to apply to the balance transfer only. I find the offer to be deliberately misleading and as such am filing a complaint on the CFPB site as well. I am further surprised that now the only way to prevent further finance charges to my credit card account is to pay off the entire balance and not just the purchase portion of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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:
I did not apply for XXXX XXXX XXXX XXXX on XX/XX/XXXX. Please remove it from my XXXX credit report. 

I did not apply for a Chase credit card on XX/XX/XXXX. Please remove it from my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Over two phone calls, I asked Citi associates to remove a large amount of interest acrued over 18 months of my unemployment, totaling {$560.00}. I did not ask for all the {$560.00} to be removed, as I understand they are a business.

A. But I am basically have to pay {$560.00} because I was unemployed. I am not doing that. That's ridiculous. That was 1/4th of my total balance. What? 

B. I have made two payments of {$1400.00} ( XX/XX/18 ) and {$840.00} ( XX/XX/18 ). 
I am not running from my debt. I am paying it. 
I am simply asking Citi to be reasonable about forcing an unemployed person to pay {$570.00} worth of interest, which at the time was 1/4th of my account balance. That's ridiculous.

C. I have shown good faith and paid the majority of the account. I did not go bankrupt or let my account go to collection agencies. Citi got their money back.

D. I have called Citi card twice to attempt to get them to be reasonable. I was shut down both times. I called their Client Resolutions phone number, as that's the department that deals with unemployed customers. They did not want to help. 

I want fair resolution to this matter. 
Please 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 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
on XX/XX/2018 I received a report from the lexisnexis company that explained the furnisher of their information was XXXX, and included their contact info. I received the attached email explaining their process for releasing information and how I can see the information being released. I then registered and found that te information that lexisnexis is providing in their report of me is inaccurate and I demand to see the docket report or proof of the information they provided to the national credit bureaus under my name and government issued social security number. the two bankruptcy cases being inaccurately reported under my name is XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: RI

Complaint narrative:
Ad Astra has placed a collection item on my credit report on XX/XX/2015. Related to a XXXX XXXX loan that I never took. I called Ad Astra many times to tell them it is not my charge. They want my social security number which I will not give them. I told them I never received money from XXXX XXXX nor did I receive bills nor did I take the loan. They said without my social they have nothing to say to me. I have entered disputes with 3 credit reporting agencies, placed a dispute with the XXXX who got XXXX XXXX to mail me the loan documents which show and e signature, typed signature, and auto debit form for an account with XXXX XXXX XXXX with no name on it for the account holder, a cell number on a document that was never mine. I asked XXXX to request application information. The lender said due to privacy issues they will not provide. I filed an identity theft form on the FTC web site. This has stopped me from refinancing. I have perfect credit report, all trade lines paid on time. I also sought the advice of lawyer who I would have to pay {$500.00} to review my case and determine if he would help us to sue both companies.

Company response to consumer: Closed with explanation