vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To whom it may concern I am writing you in regards of the vehicle at Wells Fargo repaired or on XX/XX/XXXX.. we have contacted Wells Fargo On numerous time Letting them know that XX/XX/XXXX we will be a little picking the vehicle up in pain it to please put it in the computer and contact the repo company.. We contacted Wells Fargo today XX/XX/XXXX To touch bases in to see where we send the money We called The repo company They informed that Wells Fargo has already came and got the truck and Is fixing to auction the truck off. I dont believe that theyre allowed to do that I believe is as consumers we have 30 days at least they came on my property to get it without any paperwork In the process of getting the truck they dragged the truck up the road and park Possibly missing the transmission and rear end that ... We would like to know where the truck is XXXX said we can go get the truck and pay.. that truck mean and very great do you to my My son bought that truck Four months before he got XXXX. And for Wells Fargo to do this to us knowingly we have been in contact with him throughout this process 11 days its been Not even giving us the opportunity to go get it when we tried to one of the ladies claims that its not even a record where we called in when we ask XXXX payment to the Im asking you please do not auction that vehicle off that Ive paid for it.. The vehicle is a XXXX XXXX XXXX XXXX XXXX XXXX the account number 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 2018-02-23 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: IL

Complaint narrative:
Equifax and this company name, according to Equifax is " XXXX XXXX/XXXX '' both are reporting a negative account on my credit report as result of identity theft. I don't have any contractual relationship with " XXXX XXXX/XXXX '', that makes Equifax and " XXXX XXXX/XXXX '' entitled to enforce inaccurate credit information on my credit file. I tried resolving the issue recently again with Equifax on XX/XX/18, and directly through " XXXX XXXX/XXXX '' but has not had any resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
Never received any notices/bills

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My credit card was declined at a store. I called the credit card company for an explanation and was told there was potential fraud that they would not disclose or describe. They asked that I submit a copy of my drivers license to confirm my identity which I did. A day later I received a call from the card company asking for a copy of my social security card. I refused and again asked what the problem was, again they would not disclose. I asked why the asked for and provided drivers license was inadequate and the agent refused to reveal the reason. I told them to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: COMMERCE BANK
State: CA

Complaint narrative:
In XX/XX/2017 I relocated from XXXX to XXXX and as a result needed to close my Commerce Bank checking account. I contacted their call center and advised of my move. The representative informed me that she would notate the account, but since my account had a small balance, I would have to contact the local branch to get arrangements for a check to be sent. I was given a phone number and called multiple times leaving voicemails. 

The following XX/XX/XXXX, I checked my account online to ensure it was closed as I was never contacted back. I noticed two fraudulent charges on my account. I immediately contacted Commerce Bank and reported the fraud. I was told by the call center that because my account was closed, I would need to contact the local branch. I was again given a phone number to a local branch, called the number and left voicemails as no one would answer. I was never contacted back. 

Additionally, I emailed Commerce Bank and reported the fraud on my account. I was given different phone numbers to call. I tried these numbers with the same result. I was informed that my information was sent to the local branch for them to contact me. I was never contacted. 

A week ago, I advised Commerce Bank that if the issue was not resolved in one week I would be filing a complaint. This time my information was forwarded to the local branch. The branch manager called me while I was at work and left a message. I have called her number 3 times, left voicemails, and advised of specific times I can be contacted to avoid issues during my work hours. Each time I miss a call from Commerce and return the call, it goes straight to voicemail and we have still not been in contact. 

This issue has gone on far too long at this point. This is a Regulation E violation as my report of fraudulent debit should have been investigated within 10 days. I have copies of all emails I have sent along with phone longs documenting the numerous times I have contacted Commerce Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-23 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: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
XXXX and this company name, according to XXXX is " XXXX XXXX/XXXX '' both are reporting a negative account on my credit report as result of identity theft. I don't have any contractual relationship with " XXXX XXXX/XXXX '', that makes XXXX and " XXXX XXXX/XXXX '' entitled to enforce inaccurate credit information on my credit file. I tried resolving the issue recently again with XXXX on XX/XX/18, and directly through " XXXX XXXX/XXXX '' but has not had any resolution.

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 2018-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Never received any bills

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 2018-02-23 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: VA

Complaint narrative:
I received alert from XXXX XXXX of an inquiry from CHASE, XXXX and XXXX bank dates XX/XX/18. I did not apply for any credit from any of these lenders. I have a car loan from Chase and did apply for a credit card early last year, but nothing since then. These inquiries are unauthorized. In logging into one of my email accounts I dont use often, I see the declines were sent there & I NEVER use that email because it gets sooo much spam, so Im looking into putting a freeze on my credit file until I figure out whats going on. I had a bag full of old mail sitting around for a couple days that I intended to go shred, but it was thrown out by accident and I am freaking out. 

Please delete these inquiries because I did not submit any recent applications. You can email me at XXXX, or, send your response in writing to XXXX XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JMD,LLC
State: CA

Complaint narrative:
I have been declined credit to purchase a home due to a collection account opened by your organization that devastated my FICO score. I have never heard from your company until my mortgage company informed me of the account you have reported. Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this debt was supposed to have been validated prior to reporting to the credit bureaus. They have made no attempt at all. Now that I have been given the information that you have reported this I must inform you that that ownership of said account was disputed. The attorney did not perform the services they charged me for and have gone out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: GREAT LAKES
State: CA

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX I went to college, a school that was sued and closed down by the Federal Trade Commission! The name of the school was named XXXX XXXX XXXX. After leaving the school, do to deceptive advertising practices, I enlisted in the US XXXX in XX/XX/XXXX, to help me pay for my federal student loan, which was {$2600.00}! The military had in option to pay that off. They didn't do it. After joining, you are not allowed to have cellphones, Internet or anything like that. So that debt fell into collections, and was eventually lost, do to me moving from basic training, advance training, my duty station at XXXX XXXX Texas and finally XXXX. I saw that from time to time on my credit report. My point is that should be OFF my credit report because its way past the 7 year statute of limitations. 

As for the main two NEGATIVE marks on my credit report, are from XX/XX/XXXX one of which is {$3000.00} and the other is {$4000.00} ... .. These are WRONG! They are both listed as EDU. I did NOT attend ANY school in XX/XX/XXXX! Nor did I take out any loans or credit cards that equal the amount listed there! These are both erroneous marks on my credit report. 

I enlisted the help of XXXX XXXX to help dispute these negative marks. I been tentatively selected for a XXXX XXXX. And I don't want something that dose not even belong to me, ruin my chance at wonderful career. I have in til XX/XX/XXXX to make my case to the Point of contact at the government. 

Any proper debts I do have are well beyond the 7 year statute! In fact in XX/XX/XXXX I took out a auto loan for {$14000.00} and I paid that XXXX in XX/XX/XXXX!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
I have been declined credit to purchase a home due to a collection account opened by your organization that devastated my FICO score. I have never heard from your company until my mortgage company informed me of the account you have reported. Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this debt was supposed to have been validated prior to reporting to the credit bureaus. They have made no attempt at all. Now that I have been given the information that you have reported this I must inform you that that ownership of said account was disputed. I have informed XXXX that I returned their box. They have ignored me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I began writing letters to the credit bureaus and specific creditors reflected on my credit report beginning in XXXX of 2017. I believed items on my credit report reported inaccurately an not in compliance with the FCRA and FDCPA. The accounts in question are XXXX XXXX XXXX, XXXX XXXX XXXX and GM Financal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been declined credit to purchase a home due to a collection account opened by your organization that devastated my FICO score. I have never heard from your company until my mortgage company informed me of the account you have reported. Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this debt was supposed to have been validated prior to reporting to the credit bureaus. They have made no attempt at all. Now that I have been given the information that you have reported this I must inform you that that ownership of said account was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: Avant Credit Corporation
State: VA

Complaint narrative:
I received alert from XXXX XXXX of an inquiry from XXXX, Avant and XXXX bank dates XX/XX/18. I did not apply for any credit from any of these lenders. I have a car loan from XXXX and did apply for a credit card early last year, but nothing since then. These inquiries are unauthorized. In logging into one of my email accounts I dont use often, I see the declines were sent there & I NEVER use that email because it gets sooo much spam, so Im looking into putting a freeze on my credit file until I figure out whats going on. I had a bag full of old mail sitting around for a couple days that I intended to go shred, but it was thrown out by accident and I am freaking out. 

Please delete these inquiries because I did not submit any recent applications. You can email me at XXXX, or, send your response in writing to XXXX XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: LendingPoint Holdings LLC
State: VA

Complaint narrative:
I received alert from XXXX XXXX of an inquiry from XXXX, XXXX and XXXX XXXX  dates XX/XX/18. I did not apply for any credit from any of these lenders. I have a car loan from XXXX and did apply for a credit card early last year, but nothing since then. These inquiries are unauthorized. In logging into one of my email accounts I dont use often, I see the declines were sent there & I NEVER use that email because it gets sooo much spam, so Im looking into putting a freeze on my credit file until I figure out whats going on. I had a bag full of old mail sitting around for a couple days that I intended to go shred, but it was thrown out by accident and I am freaking out. 

Please delete these inquiries because I did not submit any recent applications. You can email me at XXXX, or, send your response in writing to XXXX XXXX XXXX XXXX XXXX VA 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 2018-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Abusive and illegal phone tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My Paypal  Credit Account minimum payment due is {$38.00} per month, I paid more than my minimum of {$87.00}. Because I received my monthly income benefits on the XXXX Wednesday of each month fell on XX/XX/18. My paypal credit account bill did not get paid until XX/XX/18 instead of the due date of XX/XX/18. Paypal Credit   charge took {$27.00} from my {$87.00} for a one day late fee. This company does not allow the consumer any grace period of 1-5 days before charging any late fees. The company is profiting from collecting late fees from the consumer who has only paid their monthly payment a day late. I think this is a practice of merchant/creditor collecting on the consumers debt obligation to only keep them in debt but profiting more money from the consumer for the debt that is owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has not addressed any of my concerns. I have filed several complaints and am given the same response each time. Their newest response was a bit different this time. They had replied and attached a PDF listing a banking agreement. I sign up with XXXX XXXX and then Wells Fargo had taken over around two years of opening my account with XXXX. I had never made an agreement with Wells Fargo they had taken over the bank that I did have an agreement with. Wells Fargo 's response to me said that since the amount of time had passed that it is out of reach. That since this happened awhile back that they are not responsible for the missing funds. So with all of my complaints sent and Wells Fargo sending near the same response the same time. They are trying to avoid this ongoing issue. The first placed I had called as soon as I had noticed my balance was not correct was Wells Fargo going all the way back to 2016. I did speak to someone at Wells Fargo 's XXXX phone number and they had admitted that there was missing funds. I had called and called Wells Fargo around a dozen times and no one had offered any help. No one directed me to the correct department. No way of being able to speak to a person that specializes in missing funds. So after several months of phone calls to Wells Fargo without any help I then contacted the FDIC and had talked to a few people and filed a complaint with them also they had directed me to the CFPB. So by Wells Fargo denying any responsibility based upon the amount of time that has passed is not a valid claim by them. They in hopes would think that I would just give up and not know my rights as a consumer. This has been an ongoing issue since the year of 2016 first starting with phone calls to Wells Fargo yes I did call many times. These calls go all the way back early XXXX of 2016. Not one person was able to offer any resolution with all of my contact to Wells Fargo. All the calls and then complaint to the FDIC then to the CFPD. Wells Fargo by making the best attempt to stall and bypass the statue of limitations is not a good business practice.

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 2018-02-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I personally closed ALL my accounts with Bank of America XX/XX/XXXX and relinquished all my Bank/Visa Cards to the customer service representative for disposal. There were no transactions on my credit card as of XX/XX/XXXX. I have still been receiving monthly statements for interest-upon-interest ; I called Customer Service and they confirmed ALL accounts had been closed. I no longer have access to the account. On XX/XX/XXXX, I called a number on a Bank of America email received and spoke with XXXX XXXX in Collections, advising me they were about to Charge Off the amount to my Credit Report! This is when I first discovered two charges each for {$99.00} from XXXX, XX/XX/XXXX and XX/XX/XXXX, one charge which was reversed XX/XX/XXXX. I no longer used XXXX XXXX however the Billing Dispute person XXXX stated I wasn't allowed to open a dispute and if a preauthorization from 10-years prior was presented on a closed account, they could open the account and process it. I told her that was fraud ; she rudely responded she had a business degree and had the right to do it! I asked to speak to a supervisor and was connected to XXXX XXXX, he spelled out his last name and proceeded to give me the same spew, telling me I wasn't allowed to open a Billing Dispute. I asked for his Supervisor, XXXX XXXX XXXX, ( XXXX ) and left a message and my number, however he never returned my call. I called XXXX and they immediately refunded the second amount {$99.00} which was processed XX/XX/XXXX. I called XXXX XXXX XXXX again and left another message with all the details, emailed the XXXX Receipts, but haven't received any acknowledgement to this date, XX/XX/XXXX. My account was submitted to Charge Off and the Bank of America actually has a credit on my account that they have not tried to refund to me. They are still sending me statements on a closed account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief