vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXX, with no prior notice given, I received word that my credit card account of several years had been closed, " for fraud. '' I immediately contacted Wells Fargo customer service via telephone to inform them that there had been a mistake, there was no fraud on the account. I had the card, the account had XXXX balance, and there had been no unusual activity. I escalated the concern to Wells Fargo 's executive office because closing this account would wipe out half of my available credit and negatively impact my credit score. I spoke to a representative on a recorded line who informed me that I was correct, the account had maintained a XXXX balance with no signs of visible fraud, that it was likely a mistake on Wells Fargo 's part, that the account would likely be able to be reopened, and that I would receive a call back the next business day. On XX/XX/XXXX, I received a call back from XXXX XXXX at the executive office stating the account could not be re-opened, due to " risk ''. At first XXXX XXXX refused to provide me a reason as to why the account had been flagged for " risk '', but after I requested several more times, he admitted that Wells Fargo had failed to process an old lost card request ON THEIR END, and because of Wells Fargo 's own failure to process the request, the account was inadvertently flagged as " risk '' and subject to being closed. Despite then admitting on the recorded line that this was not my fault and had nothing to do with me ( other than via a notice they supposedly sent me which I never received ), XXXX XXXX continued to state that the account would not be re-opened, that I would indeed suffer the negative impacts to my credit score, that I should file a complaint with the CFPB, and that I would have to subpoena them for any further information. This is absolutely the worst experience I have ever had with any financial institution, and has directly damaged my credit score, via no fault of my own, a fact Wells Fargo admits but refuses to remedy. Moreover, they wo n't even provide me with the additional information I have requested about my complaint, stating instead I must subpoena them for it. If this situation does n't constitute a whole series of unfair, deceptive, and abusive acts and practices on behalf of Wells Fargo against an innocent consumer ( me ) I do n't know what does.

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 2017-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My data and my wife 's data was hacked at Equifax, their fault not mine. I have registered my SS # and have the service set up. I started trying to get my wife registered on XXXX XXXX through their web site. Nothing happened so I called Equifax, at the phone number in their email to me, it was busy several times, finally told to call another number. Equifax will not accept my wife 's data to activate the service because we have the same phone number and email address. Now they are pointing me back to the phone number I started at.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake Financial is trying to collect on a debt that was paid off in a sale of the vehicle that I voluntary gave back due to them asking me a lemon. They are reporting this on my credit report and I am just now see it on my credit report four years later. It is pass the Statue of limitations for the State of California. 
The amount they are stating I owe is {$630.00} For 2012. For a XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Special Financing Company, LLC
State: GA

Complaint narrative:
I am writing to your agency in hopes someone can help me with this company. I am going to explain what happened : I got involved in an online business opportunity fraudulent scheme. After I paid one company all these fraudulent companies were calling me by This company called XXXX XXXX XXXX contacted me by phone on XXXX/XXXX/2016.  They were very pushy. It was supposed to be an at home business opportunity. They asked me to pay {$3000.00}. I told them I did not have it, they were very persuasive and did not take no as an answer, so they told me not a problem they could finance it, so I paid them {$500.00} and they were going to divide the remaining balance of {$2500.00} plus the APR+18,99 % and charge me a monthly fee of {$120.00} taken automatically from my account. I had second thoughts and canceled my services within the 3 day period. I am still trying to get my {$500.00} deposit from this company till this day. They wo n't answer my calls. Complete scam. I did some research on this company and all I found was bad reviews. They have a " F '' with BBB.So that 's when the company Special Financing Company LLC comes in to the picture. They still charging my checking account a monthly charge of {$120.00}. How can Special Financing Company LLC still charge my account and back up this fraudulent company? I did not receive any services, I canceled my services and I still being charged. I need your help and try to immediate it please. They are taking from my XXXX account every month. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EMCC Holdings, LLC
State: MD

Complaint narrative:
Case # : XXXX XXXX XXXX XXXX , XXXX. 
ACCOUNT NUMBER XXXX LOAN NUMBER XXXX Sent on : XX/XX/XXXX STATUS : Company responded the complaint does not belong to them on XX/XX/XXXX Dear CFBC team, Thank you once again for your kind assistance. XXXX XXXX XXXX , XXXX. s response leaves us a little confused based on the following premises : 1.If the complaint does not belong to them as they boldly claim, then why did they accept our certified mails and signed all three return receipts? 
2. If we had no business with them then why did they give us an account number in the first place? Why are our business transactions recorded in their books, why do they send us financial statements? 
3. If the foregoing argument has all true premises and a true conclusion, then it is valid and we have reasons to believe that : XXXX XXXX XXXX , XXXX. s response is a false statement made to a federal agency and certainly constitutes federal lying statutes contained in Title 18 of the U.S. Code Section 1001 which states that : Whoever, in any matter within the jurisdiction of any department or agency of the United States knowingly and willfully falsifies, conceals or covers up by any trick, scheme, or device a material fact, or makes any false, fictitious or fraudulent statements or representations, or makes or uses any false writing or document knowing the same to contain any false, fictitious or fraudulent statement or entry, shall be fined not more than {$10000.00} or imprisoned not more than five years, or both. 
We do recognize the dependability and reliability of the United States Postal Service ( USPS ).  Please find attached proof from the USPS and act accordingly. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: ID

Complaint narrative:
On XXXX2017 I contacted XXXX XXXX ; the new company name of Nationstar Mortgage. While Nationstar Mortgage, I accessed my online account and opted out of all marketing offers ( mail, email and calls ) from both Nationstar and their partners. They were very aggressive in their marketing efforts ( multiple calls requesting I return calls only to find out it was a sales call, priority deliveries of refinancing sales flyers which interrupted my work day at least weekly if not more often ), etc. 

The onslaught restarted when XXXX XXXX replaced Nationstar. I again accessed my account through XXXX XXXX to reset my communication preferences only to find they do not offer that via their website. So I called and requested the marketing from XXXX XXXX and their marketing partners cease. I received a confirmation of my cease and desist request in a letter dated XXXX from XXXX XXXX stating that I would now not receive ANY communications ( sales or account management ) from their company ( ie - account problem emails, escrow payments, etc ) as I do not agree to receive their sales communications. I really do n't feel that if I refuse their marketing, I am refused communication regarding my account ( except the monthly bill ) and that was not my original request -

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: WA

Complaint narrative:
I borrowed {$1000.00} fro XXXX XXXX XXXX. XXXX XXXX failed to disclose that they are under investigation by CFBP for their lending practices. In addition, they are not licensed to issue loans in the State of Washington, where I am a resident. 

If I were made aware of this issue, I would not have obtained the loan.

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 2017-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XXXX XXXX, XXXX by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XXXX XXXX, XXXX and they completed the request on XXXX XXXX, XXXX. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: STATE FARM BANK, FSB
State: NJ

Complaint narrative:
While getting car insurance with State Farm, the insurance agent suggested a credit card and life insurance for my son. It was to lower our car insurance and put the down payment on the card. Well, the card never came but it was approved, and ALL of the insurance payments were being applied to the card. I called my agent, he directed me to call State Farm Bank. They could n't do anything without an account number. But I could n't let my insurance drop so I paid the car insurance through XXXX XXXX XXXX and not through the State Farm Bank credit card. But they still are changing me for the car insurance. I spoke to my insurance agent and explained what was happening. He called State Farm Bank and put us on a 3 way call. The bank rep had nothing more to say other than to pay my credit card bill on full along with the late charges or it was all going onto my son 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I disputed a Chapter XXXX Bankruptcy, which is reporting inaccurately on my credit report. I sent a letter to Experian ( EX ) dated XXXX XXXX, 2017. I received the investigation results from Experian dated XXXX XXXX, 2017. The bankruptcy record on my report " remains, '' according to EX. The details of my results state " the company that reported the information has certified to Experian that the information is accurate ... '' In this case, the company the information should have been reported to EX is US BKPT CT IN XXXX. However, I previously sent a letter to the Indiana Bankruptcy Court, asking how they verify information with the credit bureaus. The court state they have " no control over the information added to or appearing in credit reports maintained by credit reporting services ... '' In this case, EX should have contacted the court, but there is no certainty that the court certified the public record to be accurate since they do n't report to the credit bureaus. 

Also, I have completed security freezes with XXXX ( X/XX/2017 ), XXXX  XXXX XXXX ( X/X/2017 ), XXXX ( X/X/2017 ), XXXX ( X/X/2017 ), and XXXX ( X/X/2017 ). All documentations are attached to this complaint.

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 2017-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: AE

Complaint narrative:
I 'm stationed overseas and I can not pay my credit card company. It has drastically affected my XXXX XXXX and they 've offered almost no help at all. Capital One requires a credit card number to log in online but I do not have a card any more. I reported it lost several months ago. They can not issue me another card because my account is locked due to it 's past due status. I may call them, but in XXXX, XXXX numbers are not recognized by the cell phone carriers, so I 'm charged {$1.00} per minute. I spent {$20.00} last month and {$25.00} calling them just now ( XXXX ), only to learn there is n't anything I can do other than continue to pay exorbitant prices to call and pay over the phone. 

Best Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX, Bank of America ( the Servicer ) declined our imminent hardship ( one is a XXXX veteran ) for one of our many US, and one of the Services many, home retention ( loan modification ) options. 

On XX/XX/XXXX, the Servicer declined our imminent hardship ( one is a XXXX veteran ) for one of our many US, and one of the Services many, home retention ( loan modification ) options. 

As evidenced attached A1 and A2, each Servicer decline letters are vague?! 

The Servicers ' decline letters DO NOT ascribe, the Servicer do not evidence, what the Servicers ' REPAYMENT PLAN program guideline delinquency requirements are?, the Servicer DO NOT ascribe, evidence what the Servicers ' basic eligibility rules are?, the Servicer DO NOT ascribe, evidence how the aforesaid disqualify the imminent hardship homeowners for the Servicers ' Repayment Plan. 

The Servicers ' decline letters DO NOT ascribe, evidence what the Servicer 's 40-YEAR AMORTIZATION MODIFICATION PROGRAM requirements are?, and the Servicer DO NOT ascribe, evidence how the aforesaid disqualify the imminent hardship homeowners for the Servicers ' 40-year amortization modification program?! 

The Servicers ' decline letters DO NOT ascribe, evidence what the Servicer 's END OF DRAW MODIFICATION PROGRAM basic rules?, and the Servicer DO NOT ascribe, evidence how the aforesaid RULES disqualify the imminent hardship homeowners for the Servicers ' End of Draw Period modification program?!

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 2017-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: National Auto Lenders, Inc.
State: GA

Complaint narrative:
Company violated numerous times FBPA- OCGA 10-1-390, XXXX XXXX XXXX XXXX, no title or title bond for 12mos, 7 temporary license plates issued illegally, violated FDCPA by contacting the names as references that were submitted as an addendum to my application, threatening them and giving them personal information about my loan. Reported the car stolen in XXXX XXXX while the loan was active. Illegally repossessed the vehicle in XXXX XXXX. Had to get an attorney, State of Georgia Used Car Commission, XXXX County Auto Theft department involved to get the vehicle back. Filed a civil lawsuit in XXXX XXXX against the XXXX XXXX XXXX. In XXXX XXXX they illegally repossessed the vehicle again, by acting in " self help '' BEFORE judge had granted an order. Quickly sold the vehicle w/o state grace period or offer for redemption while going through court proceeding in XXXX XXXX. Posted repossession to credit with an additional XXXX more than what was owed ... did not subtract the actual sale cost received from the vehicle in XXXX. Company is fraudulent.

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 2017-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX I I took out a 60 month auto loan with capital one for {$15000.00} which was paid off in full ( early ) on XX/XX/XXXX. I have been fighting with Capital One over the last few years because they removed this loan and all tradelines off my credit reports. When removed it was in positive statues as " positive report '' shows. 
Everytime I dispute either to capital one or CFPB Capital One comes up with another excuse. 

The last excuse given last week stated this was deleted and removed under the seven year delinquency rules because it was a bankruptcy loan. However, this is in accurate and another bogus excuse for several reasons : 1 ) When this was removed it was in positive status and reflected so in " positive report ''. A Also On XX/XX/XXXX XXXX the supervisor with capital one at XXXX XXXX XXXX confirmed on a recorded call with himself, myself, and XXXX from XXXX this account was in positive status throughout its life. 
2 ) This was not included in any bankruptcy and outlined in " bankruptcy details '' 3. Even if Capital One wanted to use this 7 year negative excuse the loan was paid off on XX/XX/XXXX making 7 years XX/XX/XXXX which means regardless it should still be reflecting on my account BUT since it was a positive paid in full and early loan it should reflect so until XX/XX/XXXX. 

If capital one does not make the necessary changes and report this loan to all 3 credit reporting agencies I will take further action upon their response with a private attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX/XXXX/XXXX spoke with XXXX in C/S dispute area of Equifax XXXX after holding over XXXX minutes XXXX XXXX day I received an email from Equifax with a confirmation number. 

Every time I tried to access on line to see my updated info I was locked out by Equifax. 

Called again a couple of days later, after about XXXX minutes of being on hold a representative answered and I was immediately disconnected from the call. 

Called back a little while later and the automated system cut me off. 

Called back today and the automated system cut me off. 

I can not access my dispute on line because I am locked out and I can not reach them on the phone because I " mysteriously '' keep getting cut off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX I called Goodyear to complain about a {$10.00} FEE when I withdrew just {$20.00} from my XXXX XXXX XXXX ATM, on XXXX XXXX, XXXX. Goodyear employee told me that they were just following the law and the fee was valid. I believe it is usurious to charge 50 % fee for a small cash transaction of {$20.00}, Goodyear would not budge on eliminating the fee. My credit is XXXX with Goodyear having paid off purchase of XXXX tires.

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 2017-10-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Company sent a letter to me on XX/XX/XXXX, of an amount of XXXX. XXXX I did not sign a contract with this office I did not know who XXXX XXXX XXXX is. I sent a certified validated letter to this company they sent me back one page and none of the items that I asked for. Also at the credit bureau the amount is {$350.00} two different amount showing this is messing up my credit please help me to remove this thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation