vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
3 years ago Wells Fargo rep recommended to open a secure business credit card to bring up my credit scores, sold as credit repair. Wells Fargo used my {$1000.00}, what was converted to a standard credit card a year and a half later. The problem is just find it out, the business credit is not getting any credit ratings/scores at all. So it is not effecting my credit worthiness.3 years of use of the card for nothing.Finally I picked up on it, something is really wrong because my credit score was barely rising per year, using the card with $ XXXX/month auto pay, a lot more then the {$25.00} minimum payment would have been.Interestingly you can change everything on the WF website, after you log in in the manage accounts, like do transfers between accounts, but to change the amount of the MINIMUM monthly payment is not possible. Actually only Wells Fargo Rep can  change that for us, after you call them on the phone line! You can not adjust your own payments to a higher number, if you liked to! Regardless how the business card is on my name, beyond the name of the business, is used with my social security numbers, you wont get any credit points/ratings for the use of the card.This product is a fraud.First they used my own money for 18 months, and now XXXX   rep said they don't rate credit for business credit cards period.Only the personal accounts getting scored.I asked WF rep on the phone who rates it, and he had no answer for me. Well no one is the right answer.So why Wells Fargo selling the idea first place for the credit repair? It is not repairing a thing.They have secured and other person cash for 18 months for free use .Just like a new saving account for them.They play the market with with my founds for their own benefit. Why not the in house rep advised me correctly to get a personal line of credit card for the promised credit repair? Everyone blames everyone. We to costumers are getting taken for a ride with offer of a fraudulent product/service. If I close this card now it will effect my scores. We are screwed both ways on this deal.

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 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER place such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. I have attached a copy of my Social Security Card and a copy of my California Drivers License for verification. Thank you in advance.

Very Respectfully, XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: JTM Capital Management, LLC
State: TX

Complaint narrative:
XX/XX/XXXX : My father received a call from a XXXX XXXX stating I needed to call her by the end of business, that it was urgent, urgent, urgent! She left a phone and case number.

XX/XX/XXXX : I called XXXX XXXX, she informed me that she needed to get some legal documents to me and asked me if i still lived at a previous address. When i said that i didnt live there she advised me to call XXXX and give them the case number. She stated she will hold off on delivery since i wasnt aware of the documents. I called and spoke to a XXXX XXXX ( XXXX XXXX ) who informed me this was an attempt to collect a debt from XX/XX/XXXX for a  mattress ( {$2700.00} ) I purchased and didn't finish paying. His tone was very forceful and after some going back and forth i agreed to a payment plan for the balance of {$930.00}. I gave my credit card info to process the down payment of {$39.00} on XX/XX/XXXX, which was drafted. At that time I thought a recurring auto draft for biweekly payments of {$39.00} was set up. After the payment was processed, the call was ended. I called back to obtain a letter or anything with the agreement as well as to thank him for his patience and working with me and he said he would send an e-mail. E-mail was sent and received. The next payment was due XX/XX/XXXX, but did not draft from my account. I intended to call them to find out why the payment wasn't taken out.

XX/XX/XXXX : My coworker rcvd a call from XXXX XXXX. When I got on the phone he said he was calling regarding the arrangements i had with his office, i immediately recognized his voice and asked if i could call him on my personal cell phone. He provided the XXXX number and i called about 15 minutes later, nobody answered the phone. I called several more times, got a voicemail once and left my information for a call back. ( Mind you this was not XXXX XXXX 's voicemail ) I called twice more and on one occasion it went directly to hold music. After holding for several min. someone picked the line and hung up. I called back and the same thing happened. After that i began to be suspicious and researched " XXXX XXXX '' and JTM Capital Management , LLC. After finding many complaints about this company, I feel like i have been scammed. The debt is very old and may have already come off my credit report so I don't think I need to pay these people.

XX/XX/XXXX XXXX - Called the number again and a XXXX XXXX answered. I only wanted to find out if XXXX XXXX would answer. After printing the letter that was e-mailed to me, it has my old address, which most creditors would have asked for the correct updated information. The letter does not even look official, fonts are different as well as some basic punctuation missing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: EQUIFAX, INC.

Complaint narrative:
Equifax does not find my file. I put my information several times, I called them 3 times, they don't look at my case. I typed my XXXX ( XXXX ) in te regiser form and even so they can't find my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ASG Solutions LLC
State: IN

Complaint narrative:
I received a voice mail from XXXX and XXXX and XXXX today within 3 hours and the messages indicate that they are after me and that the police will arrest me and to call now. That there are serious allegations against me. One Company listed was ASG.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have tried to contact XXXX XXXX XXXX XXXX XXXX XXXX regarding this debt unfortunately a previous roommate took my information and ordered items without my knowledge I do not have any information on how to track them down I have been trying to resolve this for quite some time now please consider removing this account from my name as I did not incur these charges. I have tried to contact XXXX and XXXX and XXXX agency regarding this debt unfortunately a former roommate took my information and ordered items without my knowledge. I do not have any information on how to track them down. I have been trying to resolve this for quite some time now without any luck. please consider removing this account from my name as I did not incur these charges

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I purchased a vehicle back in XX/XX/XXXX and paid it off in XX/XX/XXXX by this time my transmission went out on the vehicle and they called stating I owed more money which I didnt so they still had the title I told them that they werent getting another dime so since the transmission was gone I told them to come and get the vehicle which they did not so now Im stuck with this on my credit and it is impacting my credit score I want this removed immediately they have sold the supposedly debt to a collection agency which was removed westlake financial is the worst

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
My mortgage loan was transferred from XXXX XXXX XXXX to Carrington Mortgage on XX/XX/XXXX. Carrington Mortgage is not reporting my loan to any credit bureaus. This is greatly affecting my credit score and my ability to obtain credit. I contacted Carrington Mortgage on XX/XX/XXXX and was told by a customer service rep that they were supposed to report to credit bureaus in May, but at that time they were planning to report on XX/XX/XXXX. I contacted Carrington again on XX/XX/XXXX, and was told they would have to get back to me.

I'm filing this complaint to hopefully resolve this issue of no/slow credit reporting for myself and future Carrington Mortgage customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I received a notification of an added to my credit report. This particular debt was paid off. Unfortunately because of the time I no longer have the electronic receipt showing it was paid. I called the company to come up with some type of solution to resolve it. My request was I wil be willing to pay {$100.00} of the {$300.00} as a pay for delete. They sent me a letter back stating I had to pay the full amount owed with a copy of the bill. Gratefully the bill showed that it was paid and I no longer have a balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I been trying to open a bank account about 2 years now and Im having a really hard time getting an account. In XX/XX/2016 I received a fake check in the mail from who I thought was my new roommate. I went on XXXX XXXX looking for a roommate and she sent me a fake check. She said she live in XXXX and she moving to XXXX. for her job. She sent a {$5000.00} check and said for me to take out her part for the rent and give the other half to her movers. every since then I been having an hard time getting a bank account. I tried to file a police report and the detective said it wasnt no point to file a report because it may not been the real person or her real name. We emails, talk over the phone and she sent me a friend request on XXXX and she sent pics. I still have emails from her with the date on it to prove it.

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 2018-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Regarding CHASE SAPPHIRE PREFERRED CARD : What : Chase out of the blue sent me a regular mail letter threatening to close my card forcibly, potentially damaging my credit. Had i been traveling or had the letter been lost I would have had my credit damaged. 

>My card was set for AUTOPAY IN FULL -the money was available for them to take. 
>I have all billing set for electronic receipt - but this critical notification was sent by regular mail only. 

Why : Chase said that the credits issued to my account were over the amount due for 2 cycles. 

My reaction : >So if credits were over amount due - then I don't owe anything -- what is the problem? 
> My card is set for AUTOPAY IN FULL. So if I owed anything - they had full authority to take it. 
> How was I to know there was any problem whatsoever? After they didn't take the money out of my account - I actually called them after each cycle and asked if there was a problem. Customer service said no. 

Then I got their letter threatening card cancellation. 

>CHASE SEEMS OBLIVIOUS to their legal consumer credit responsibilities. They failed to inform me - both verbally when i called customer service - and in a timely matter ( in my case this would be via email which is how I have elected to receive all my statements ).

> I STILL CAN'T FIGURE OUT WHY HAVING CREDIT as i did means I was behind payments when they had authority with AUTOPAY to take out whatever was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was contacted by XXXX XXXX XXXX XXXX to pay a debt owed to XXXX XXXX XXXX at a reduced rate. % 50 of what is said I owed. I opted to do this. So I paid the amount and asked for a receipt, which they sent me. And I expected to have this removed from the credit report, but alas after many, many attempts to resolve this. and speaking to many people both with the XXXX XXXX   and supervisors, and the credit reporting agencies involved, nothing has been done. They both seem to pass the buck, even with documentation. ( which I have enclosed ) This has been going on since XX/XX/2017, and still reported as owed on my credit report. The reporting agencies, both Trans Union and  XXXX, say maybe this is a new claim #, so I disputed again, and then again, with the same outcome. And it is the same claim # XXXX ... .... I do not know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was contacted by XXXX XXXX XXXX XXXX to pay a debt owed to XXXX XXXX XXXX at a reduced rate. % 50 of what is said I owed. I opted to do this. So I paid the amount and asked for a receipt, which they sent me. And I expected to have this removed from the credit report, but alas after many, many attempts to resolve this. and speaking to many people both with the XXXX XXXX   and supervisors, and the credit reporting agencies involved, nothing has been done. They both seem to pass the buck, even with documentation. ( which I have enclosed ) This has been going on since XX/XX/2017, and still reported as owed on my credit report. The reporting agencies, both XXXX XXXX and Equifax, say maybe this is a new claim #, so I disputed again, and then again, with the same outcome. And it is the same claim # XXXX ... .... I do not know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
1 ) On XX/XX/XXXX, {$420.00}, I submitted a Debt Verification Request Letter to the company 2 ) I received a response from the company which included a billing statement which is not proof that the debt belongs to me.

3 ) XX/XX/XXXX, I submitted another request for verification of the debt to the company 4 ) XX/XX/XXXX, once again, I received a duplicate billing statement but nothing with my signature or proof that the debt belongs to me.

5 ) XX/XX/XXXX, I submitted a request to all three credit bureaus to remove this debt from my credit report, due to the lack of response to my request for debt verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I paid {$300.00} via XXXX for XXXX concert tickets. This was my first ever XXXX transaction. The seller never s not them and disappeared. I tried to do a stop payment right away with PNC, but you cant with XXXX. I filed a dispute, and although they acknowledge the scam, they say that because I authorized the transaction that its not considered fraudulent. What protections is PNC offering? How are they not investigating this rampant abuse, as Ive come to learn. Why is nothing being done about my {$300.00}, and more importantly, stopping this XXXX XXXX ( XXXX ), and others like him, from continuing to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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:
This complaint is in reference to information in my credit file. I recently received a copy of my credit report that XXXX, Equifax or XXXX publishes and after reviewing it I found a number of items on my report that are inaccurate. Im terribly upset after finding out that my report shows a series of erroneous items. 

I understand that XXXX, Equifax or XXXX should not be allowed to put an inquiry on my file unless I have authorized it. My credit reports showed credit inquiries that I did not authorize. I also have Extended Fraud Protections/Alerts placed on my credit files with my phone number listed requiring I be notified before my credit is accessed, that did not happen. 

The only inquiries from companies that should have had access my credit report are the following companies that I have authorized which are : XXXX XXXX, XXXX, XXXX and XXXX   XXXX for my home loan. 

These multiple inaccurate reporting practices has caused me to be denied after applying for new credit lines & is ruining my financial stability. This is unacceptable & they are obligated by law not only to correct what is erroneously reported, but also to remove what should not be in my credit report. Time is an important matter to me, and each and every one of the items listed below needs to be removed.

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please have the credit inquiries that are listed below removed immediately from my credit file as they are unauthorized and are related to none of the aforementioned permissible : XXXX/XXXX ( XX/XX/XXXX ) XXXX/XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) *This inquiry is 2 years old. 
XXXX ( XX/XX/XXXX ) XXXX XXXX/ XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX/ XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove all non-account holding inquiries from my credit report immediately as they are unauthorized!. 


I recently received a copy of my credit report from XXXX, Equifax or XXXX and after reviewing it I found a number of items on my report that are inaccurate and unauthorized. 
I have a Fraud Protection on my file so those inquires were not authorized by me. 
I advised XXXX, Equifax or XXXX, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
I applied for an XXXX XXXX XXXX credit card and was informed on XX/XX/XXXX that I was approved. The card came, I used it at the post office on XX/XX/XXXX. On XX/XX/XXXX the card was declined. Thinking it was the machinery at the store, not the card, I tried again on XX/XX/XXXX. Again it was declined. On XX/XX/XXXX I called customer service at XXXX and after 55 minutes on hold was told I had to speak with Fraud Prevention. When I finally connected with them I was told they couldn't tell me why the card was declined - and that I needed to send proof of I.D . I snail mailed and emailed copies of my driver 's license and passport. 
I was given an ID : XXXX On XX/XX/XXXX I send them an email asking why I hadn't heard from them. 
My credit rating is XXXX and I have been denied two other credit cards I have applied for. I am sure HSBC is the reason. 
I have put {$56.00} on that card. I don't have access to the card to pay it. They haven't responded to my email or my letter. 
This is the worst, by very far, credit card company I've ever had experience with. 
Please help me find out why I am being denied access to credit cards. Please make HSBC contact me.

Company response to consumer: Closed with explanation