vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 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: CA

Complaint narrative:
After many years of being negligent with credit checking. I checked my credit and discovered that I had a open XXXX credit card under the name XXXX XXXX. I once lived in a urban area my mailbox had been tampered with many times. I disputed the charges with the credit company.it 's actually a company that purchased the debt from another company. Explaining to them that my name is XXXX XXXX..not ( XXXX XXXX. ) Years ago I rented a room to a family member in conjunction to having the my mailbox tampered with the possibilities are endless for the potential for identity theft. My name is XXXX XXXX not XXXX XXXX the debt does not belong to me. I have decided to file a complaint against portfolio recovery associates LLC. Illegal practices by placing this debt on my credit that does not belong to me ( XXXX XXXX ) portfolio recovery associates LLC purchase XXXX XXXX debt merchant XXXX. portfolio recovery associates LLC paid {$120.00} for the original debt and now they're charging me {$710.00} debt that is on my credit report and I'm unable to do anything to have it removed, but to pay money that I'm not responsible for or to settle by paying either the full amount are the amount broken up over 3 months but why would I pay debt that I'm not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc.
State: TX

Complaint narrative:
These XXXX XXXX call all of my phone numbers looking for someone else. I've told them to stop calling, but they continue. They don't care. They are liars and I'm sure their response will be a lie also. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
As of today, my Equifax and connecting reports with XXXX and XXXX. My credit report went from excellent then dropping 11 points to very good. 

I am being mislead after the company breach that my information was part of. 

I have never been late with payments and have an excellent history with my score. 

Now they want me to get more credit cards, that they suggest and are surely benefiting from, to raise my score again. This is awful and these companies should be ashamed of themselves. 

Im in the process of renting an apartment and they are getting a lower score of Very Good instead of Excellent. I am not willing to get more credit for anyone elses benefit. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: TN

Complaint narrative:
I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please Have the following accounts inquiries removed from my credit file at once because i did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent accounts : DEPT OF ED/XXXX : Acc NO : XXXX Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Acc NO : XXXX Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Acc NO : XXXX Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Acc NO : XXXX Date Opened : XX/XX/XXXX. Fraudulent Inquiries : XXXX Inquiry date : XX/XX/XXXX. Also be advised the Fair Credit Reporting Act states that any information that is kept on an individual 's credit report must be correct. this includes unauthorized inquiries. if your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is the evidence of your receipt of said request. I have sent this letter because I need your Prompt response to this issue and i need written correspondence as evidence your company is acting upon my request. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
They charged XXXX $ attorney fees on a XXXX $ loan i got in XXXX and they still don't want to give a option on my mortgage that had a sale date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: GA

Complaint narrative:
This company can't provide me any documentation that this account is mine. No signed contract. I have written to this company asking for them to prove to me that this info is accurate and it really belongs to me. I have not received anything. They have put a collection on my credit reports and I want the entry removed immediately. This is a bogus company and I need this issue to be resolved ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WLCC
State: TN

Complaint narrative:
This company reached out to my employer the week of XX/XX/XXXX. They advised our CFO that they had a garnishment for my wages. I immediately called down to the XXXX County Court building and spoke with a representative at the garnishment desk because I had not been served any formal documentation advising of a garnishment. 
I was advised that there were no garnishments under my name at the time of the call. 

I relayed this message back to our CFO. He told me that we would address the issue upon his return. I took the liberty of researching this company online because I had never done any business with them, nor have I been advised of any potential debt owed in writing. 

I even reached out to this company through their published number for customer service and no one has called me back to discuss this matter and/or provide paperwork verifying this debt. 
I noticed there were several complaints against this company for arbitrarily taking the wages of hard working people under the guise of a " wage assignment ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I Sent complaint and Experian responded back with an auto message,

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 2020-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Hello, I appreciate your response I am now going to provide my monthly statements for the month of XXXX and XXXX indicating that I in fact made purchases starting in XXXX Ive only had one account since XXXX of this year. The company coinbase has had system failure/outages a few times this year of 2020 during which my portfolio was effected but not to my doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020, Capital One Credit Card charged me for the amount of {$65.00}. I do not recognize nor owe this transaction. On or about XX/XX/2020, I wrote a dispute letter to Capital One Credit Card to dispute this transaction.On or about XX/XX/2020, I called Capital One Credit Card to dispute this transaction. Also on the Online Posted Transactions page, Capital One Credit Card does not allow me to dispute. Until now, Capital One Credit Card refused to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I requested to receive my credit reports from the following credit reporting agencies and was told that no information was found.

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 2020-07-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian responded to my original complaint by telling me I am not me. Please see attached social security card and my Identification and FTC reports for the second time. please review

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 2020-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc.
State: IN

Complaint narrative:
I signed my Final ALTA Settlement statement on the XXXX of XX/XX/2020 via remote closing at my home. When I received copies if my closing documents and my settlement check I noticed that the dollar amount was different than what was on the statement that I had signed. I noticed that the first position mortgage lien amount was different but I attributed that to interest, although that should have been properly accounted for but there was also an increased amount of {$50.00} for the remote closing above the amount that was on the ALTA that I signed. I then emailed the mortgage company to find out why the numbers were different and was told that it was due to interest. I asked about the increase to the signing fee and was told that they would look into it and get back with me. They did not. I inquired two more times and was never given any follow up or reason as to why I was charged more after I signed the ALTA or why the ALTA that I signed did not match what was in the final loan docs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
My wallet was stolen on XX/XX/XXXX. The person that stole my wallet proceeded to spend {$920.00} from my account before I realized I no longer had my wallet. I called Wells Fargo immediately to report it and then called the police to file a report. On XX/XX/XXXX I went in to a Wells Fargo branch to make sure that the account was closed and get a debit card for the new account. On XX/XX/XXXX I called to check in with Wells Fargo about the status of my claim. I was on the phone for 1 hour and 3 minutes ( most of it I spent on hold ) for the agent to tell me that there was no way for the  security of a debit card with a chip to be bypassed and that I must have been the one to authorize the charges. I called the police officer who is handling my case immediately afterwards. He told me that they do in fact have a picture of the man that took my wallet and used my cards and they were working on identifying him. On XX/XX/29 I received a letter in the mail formally stating the information that the agent had told me on the XXXX. I called the number provided to see if I could speak with someone else and the agent on the phone told me that mm case was closed and would not be reopened. As soon as I got off the phone I went down to the closest branch to speak to someone in person. They made an appointment for me and asked me to return at XXXX with the police report. Due to it being an ongoing investigation they were not able to provide me with the report but a confirmation that a report has been made. I returned for my appointment and waited 45 minutes beyond my appointment time for someone to see me. At this time the banker ( XXXX XXXX ) filed an Escalated Complaint for me and said I would receive a call shortly. It is now XXXX. 9 days since the complaint was filed and Wells Fargo has not contacted 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 2020-07-09 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX Account Name XXXX XXXX Account Number XXXX {$810.00} past due as of Account Name XXXX XXXXXXXX XXXX Account Number XXXX Account Type Credit card {$7000.00} written off. 

XXXX XXXX XXXX Account Number XXXX {$11000.00} written off. 

Account Name XXXX XXXX XXXX Account Number XXXX {$2000.00}

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 explanation
Consumer complaint received 2020-07-09 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: DISCOVER BANK
State: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX Account Name XXXX XXXX Account Number XXXX {$810.00} past due as of Account Name XXXX XXXXXXXX XXXX Account Number XXXX Account Type Credit card {$7000.00} written off. 

DISCOVER FINANCIAL SERVICES Account Number XXXX {$11000.00} written off. 

Account Name XXXX XXXX XXXX Account Number XXXX {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX Account Name XXXX XXXX Account Number XXXX {$810.00} past due as of Account Name XXXX XXXX  XXXX Account Number XXXX Account Type Credit card {$7000.00} written off. 

XXXX XXXX XXXX Account Number XXXX {$11000.00} written off. 

Account Name WF CRD SVC Account Number XXXX {$2000.00}

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 explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BROKER SOLUTIONS, INC.
State: MO

Complaint narrative:
My husband and I got hard to inquire in XXXX  and XXXX By XXXX XXXX were we did not provide permission to pool our credit score. today XXXX someone from new American funding collected our personal information to consult a possible founds to buy a home but it was a consult and we did not give permission to someone else to pool our credit. now we found that my XXXX  and XXXX has hard enquire. 
we are sure this agent is responsible for this issue Name of the agent is XXXX XXXX We are taking care of our information safe but today we are victims of this situation. 


We want to get faster solution because it is affecting our future dreams.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: Paypal Holdings, Inc
State: MS

Complaint narrative:
I purchased a XXXX sewing machine on XXXX from a company named XXXX on XX/XX/XXXX using my debit card. I screen shot the order and the next day I received a message from PayPal saying that they wouldn '' t take the funds out until the item shipped and the company name that would show up on my bank account would be XXXX XXXX. First of all I didn't go through Paypal, i sent my info to the company directly. The company said i would receive the item in 3-5 days. When it came and went, I contacted Paypal and they started a dispute and said they would give them until XX/XX/XXXX to reply. Their reply was that the item was on its way. It was coming from XXXX after all and I wasn't aware of that. I finally received a package XX/XX/XXXX in my mailbox from XXXX and it was a pair of socks! There isn't any information on the package except from XXXX, no company name nor address. I contacted PayPal to tell them what I received and they denied my claim saying that I received something. This isn't acceptable on PayPal 's behalf because they advertise that if you are unsatisfied with anything they will refund your money. I also, contacted XXXX since this is where the advertising was at and they haven't replied to me at all.I just found out that 2 of my friends have also been scammed through PayPal and haven't received anything at all from their orders and PayPal isn't holding up to their policy. Another thing I just discovered is that the company I ordered from is advertising the same sewing machines on XXXX using different company names as we speak! Both XXXX and PayPal should be checked into for this!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In 2018 when I opened an account with santander bank headcourtered out of XXXX, I was told by the associate at the XXXX, Pa branch, XXXX that I could not enroll in no overdraft even though that is what I wanted to do. 

Since then I have been struggling living paycheck to paycheck and they treat me like a criminal any time I ask to have an overdraft fee reversed for an item paid. 

They even let a transaction go through and get sent back 13 times just to get a returned item fee each time adding up to over {$400.00} of MY money that they think is theirs. 

Please, this is my last hope. I just want all the fees reversed since I never wanted this service and I was lied to that I had to use the service even though I blatently said I want things declined. 

I spoke with the manager XXXX XXXX and he said I agreed to this service and that I owe all that money because of that even though they accepted and rejected the payment over a dozen times.

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 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Trying to link XXXX and XXXX apps to Pnc and wont work

Company response to consumer: Closed with explanation