vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We ( XXXX XXXX XXXX joint account ) have been clients of Wells Fargo for more than 10 years and have been happy with their service. I ( XXXX XXXX have used online bill pay with no problems, including to pay our property taxes. I paid our 3rd Qtr property taxes via online bill pay. ( I also paid our 2nd Qtr property taxes via online bill pay with no problem. ) I paid our 4th Qtr property taxes with a check. We received a notice from the tax collector that we owed 4th Qtr taxes plus interest for late 3rd qtr and late 4th qtr. 

The tax dep't said they used my 4th qtr check to pay our 3rd qtr taxes. They said they never received my 3rd qtr online bill pay. So I paid our 4th qtr again including penalties and interest. 

I called Wells Fargo in XX/XX/2019. They said that the tax collector told them to put a stop payment on the 3rd qtr check. I asked the tax dep't and they said they never said that. 

Wells Fargo did replace the money from 3rd qtr online bill pay. I asked Wells Fargo that I'd like to be reimbursed for the interest penalties. The worker said that Wells Fargo does not pay property tax interest. Wells Fargo suggested to me that I not use online bill pay to pay my property taxes. 

I am requesting that Wells Fargo reimburse me {$44.00} late property tax interest.

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 2020-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bay Area Receivables, Inc
State: DE

Complaint narrative:
Debt not owed.

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 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
Fay Servicing , LLC ( listed on the credit reports as FAY FINANCIAL, XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX ) continues to report incorrect information about my account to credit reporting agencies. 

I have reported these inaccuracies to the credit reporting services XXXX and XXXX, which have in turn reported them to Fay Servicing. But Fay Servicing continues to refuse to fix these problems. 

I have repeatedly asked Fay Servicing to correct their inaccuracies, both via voice-mail ( they never answer the phone ) and most recently in an email to my account XXXX, XXXX XXXX XXXX XXXX ) on XX/XX/2020. XXXX XXXX has never replied to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
OnXX/XX/XXXX I contacted Trident Assest making them aware that this acount was a result of identity theft. I mailed them a letter that was provided to me by identity theft .gov in regards to this account they are now reporting on my account as an open account and reporting twice they are servicing an account for XXXX the first account is for XXXX states in was opened XX/XX/XXXX 3  years and 3 mos and it sttes closed but on XX/XX/XXXX the reported to the bureau again, then you have the same account that listed with trident and its in the amount of {$950.00} opened in XX/XX/XXXX 4  years and 6 mos. Now my biggest issue is how could you let someone open a fraud account twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$5100.00} XXXX XXXX {$2300.00} XXXX XXXX {$320.00} XXXX XXXX {$18000.00} XXXX XXXX  XXXX {$3000.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MS

Complaint narrative:
There was a letter sent to myself and my husband from the mortgage company explaining to us that there was a note to be paid to them on the first of XX/XX/2020 in the amount of XXXX. We attempted to make this payment over the phone to the mortgage company and we were told by representative that we could not make the payment because the account needed to be reinstated. When we acquired what was meant by reinstatement, the representative could not and did not explain that process to us. So, the payment for the first of XXXX, 2020 was not processed or paid. The representative told my husband that the payment would be sent back to us if we sent to them in an effort to make a payment. So, we are at a stalemate with this and do not know what else we can do to rectify this payment option that we received from the mortgage company. They would not allow us to cooperate with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: NC

Complaint narrative:
I have an account with Equifax, to monitor my credit score. From XX/XX/2020 to XX/XX/2020, my credit score went down 40 points, but no one at Equifax knows why. For some reason, no one in Equifax Customer Service, even a supervisor ( XXXX ), did not see that change. I am trying to find out why there is a drastic difference in the information I am seeing on my account with Equifax ( XXXX XXXX shows the same score, but I also access directly at Equifax ). There is no internal investigation or ticketing system that I can access via Equifax, to find out why there is a discrepancy. If someone runs my credit right now, there will see a wrong score. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Since taking over servicing our mortgage home loan ( from XXXX to Shellpoint ) in summer of XXXX, Shellpoint Mortgage has had the worst customer service ever and we are now filing a formal complaint. They are now neglecting to even contact us back at all due all to their mismanagement of this loan in a short six months. Timeframe below. 

Letter sent to them XX/XX/XXXX requesting our escrow account to be removed due to it causing our mortgage to double. We had a payment plan set up with the county for the past 15 years. Outcome, after giving us the address and us mailing them a letter, ( requesting our escrow to be removed ) they are now saying " they never received it ''. We again, XX/XX/XXXX, sent another letter requesting the escrow to be removed again, and they are saying again, " they don't have it. '' We have called them dozen times in the last 90 days, requesting to speak to supervisor and them saying " nobody is available '' and us leaving messages asking supervisor to please contact us by the end of day. Never received a phone call back ever. 

We have emailed them nearly a dozen times in the last 90 days, specific contacts they said " we are assigned to '', but nobody will return emails or call us back. 

Our request are very simple. 1 ) Remove the escrow account that we never asked for 2 ) waive some late fees because we are not able to speak to anyone or sign on to their website to make a payment. This is neglect 101. 3 ) Recently, we mailed a hardship request, because of the escrow mistake they made, and its been two weeks to be exact, and nobody has returned our request or reached out to us. 

These very simple customer service acts have snowballed into one problem into another in spite of us paying our principle plus interest on time every month. We greatly miss the excellent customer service and technology that XXXX provided us for over a decade. And since our mortgage was sold to Shellpoint Mortgage Servicing, it has been a nightmare. And add on the recent pandemic, corona virus, it's more important than ever to get big companies to assist us with service and assistance. 

We appreciate your department filing a formal complaint and assisting us since we can not get them to help in any way or call us back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
No response back from capital one bank and cap one bank and also capital one bank USA. I sent letters too all three companies and they couldnt provide me with the documents and information about these inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I received a 3rd party collection notice from IQ Data International. I immediately called and questioned the validity of the debt in XX/XX/2018. I found out that this was due to a broken lease by someone who I do know that used my personal information to obtain the lease and I as the sole person on the lease. I was only to be used as a reference however I was used as the lessee. I never signed any papers or talked to anyone in the leasing office during this transaction. I only found out that my name was attached due the the phone calls and finally a bill in the mail. I stated this was not mine, I do not live in XXXX and this is a result of identity theft. I immediately filed a complaint with the FTC which did work in terms of getting this negative collection off my credit report for XXXX. XXXX  and XXXX  have contacted IQ Data and they continue to state that this is a valid debt. IT IS NOT VALID AS IT IS IDENTITY THEFT. Please see letter sent to IQ Data as another follow up as well as the FTC report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: CA

Complaint narrative:
I opened a joint XXXX XXXX XXXX account with my sister. I then changed carriers, and so did my sister. On XX/XX/XXXX, she closed our joint account, in-person at an XXXX XXXX XXXX store, with {$0.00} as its remaining balance. 

XXXX XXXX XXXX went to a 3rd party debt collection company, XXXX, XXXX, to collect an incorrect debt of {$85.00}. I raised a dispute with XXXX and on XX/XX/XXXX they told me this case has been put on hold as they investigate the validity. They then followed up with a notification via mail confirming that I do not owe any debt to XXXX XXXX XXXX and that XXXX will stop harassing me on this issue. I considered the matter closed. 

On XX/XX/XXXX, another debt collection agency, Afni, Inc., contacted me about a debt of {$85.00} to XXXX XXXX XXXX. I contacted Afni directly and told them I do not owe XXXX  XXXX  XXXX  money, and have already provided proof to XXXX, the previous debt collection company, that we have resolved this matter. I forwarded the communications to Afni, including proof that my balance was {$0.00} when I closed my XXXX XXXX XXXX account. 

I suspect one of the two scenarios had happened : Either scenario 1 ), XXXX did not actually close my case but passed it on to Afni to unfairly collect this amount of {$85.00} from me. Or, scenario 2 ), where XXXX XXXX XXXX directly contacted Afni after XXXX was unsuccessful in collecting the non-existent debt from me. 

Either way, I contacted XXXX XXXX XXXX directly on XX/XX/XXXX and they sent me on a wild goose chase across all their extension and phone channels - more than 4 hours spent on the phone, kicked around 3+ departments, and I finally landed on a young lad who was able to use my old XXXX  XXXX XXXX account number to access his system and actually confirm that my balance with them, was indeed, {$0.00}. I asked him to screenshot this and email it to me so I can provide further proof ( right from the horse 's mouth ) to Afni to stop harassing me, or worse, pass this case on to yet another debt collection agency. By this point, the young lad seemed very scared and wanted to " pass me on to a specialist ''. Alas, there was nothing on the other end ( surprise, surprise ), and I suspect he did not want to deal with me even though we both have our own separate proofs that I do not owe XXXX  XXXX XXXX a single cent. 

What to do now? XXXX XXXX XXXX claimed that since my account is closed, the " debt '' is in the debt collectors ' hands now. Yes, collectors plural. They can't do anything about it on their end. Afni will acknowledge my dispute, and just pass it on to another debt collection agency. The vicious cycle will continue until I finally break down emotionally, mentally, and physically, and give in to these telecom tyrants and pay them this non-existent debt. Capitalism at its finest. 

In the meantime, I want to continue to fight this for as long as I have my sanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-04-06 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.
State: FL

Complaint narrative:
Last XXXX I went to login to MyEquifax. I did not remember the password so I clicked to reset it. When I was asked by the computer about accounts on my report I knew nothing about these accounts, After trying again, the computer gave me a 1877 # to call. I did and it asked the same questions and again it said it couldn't help me. I sent equifax, by the computer instruction, a letter and copies of 4 different ID 's on XX/XX/2020. I still have heard nothing and still can not get past their verification as it asks the same questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is showing an account that is closed, open. It also is showing that in XX/XX/2020 that my account is late 30+ days but in XXXX and XXXX showing that it is current. I am requesting that all Bank of America accounts be removed from my credit report for the reason being that all inaccurate information is being reported and hurting my credit score drastically.

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 2020-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a VA backed mortgage from Wells Fargo since 2005 and have never been late nor missed a payment. Every year I have to fight with Wells Fargo to pay the homeowners insurance and property taxes in a timely manner from the escrow account. After repeatedly calling Wells Fargo over the past three weeks trying to get them to pay the homeowners insurance which was due XX/XX/XXXX, Wells Fargo continues to refuse to pay the insurance! Despite my already having paid Wells Fargo the full amount plus of the home owners insurance premium which Wells Fargo holds in the escrow account, today, XX/XX/XXXX, I had to pay the insurance company the full amount myself because Wells Fargo has still not paid 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 explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: DE

Complaint narrative:
Debt not owed.

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 2020-04-06 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
We, like most, have been severely impacted by the COVID-19 pandemic. We both are currently out of work due to the National Guidelines, as well as our state mandated and city mandated orders to stay home. 

We live in XXXX XXXX, Florida which most of our economy is generated through tourism. I am a XXXX XXXX ( we use no personal protective equipment ), and the other person on the mortgage is a small business owner ( XXXX XXXX XXXX ). We have zero  income coming in. Besides the problems with filing for unemployment in the state of Florida, we are both XXXX XXXX and 1099.  

I called Lakeview Loan Servicing LLC, with subservicing by XXXX on XX/XX/ 2020 at XXXXXXXX ( XXXX ). I spoke with Customer Service regarding our mortgage, about being out of work, the forced closure of business and our town. They literally have put up a roadblock at the top of the Florida XXXX and are only allowing residents in. I told them we had zero money coming in and they only offer a forbearance. 

The problem with the forebearance that they offer, however, is that at the end of the forebearance period ( 3-6 months ) any unpaid payments will become due at the end of the forebearance period. I'm not sure how they expect people to come up with that kind of money with zero income coming in at no fault of our own. I thought they would at least offer to put the months in forbearance at the end of the loan. 

This type of behavior with a {$22000.00} balloon by our lender and their servicer is predatory and setting us up to fail and lose our home.

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 2020-04-06 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: KY

Complaint narrative:
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is showing an account that is closed, open. It also is showing that in XX/XX/2020 that my account is late 30+ days but in XXXX and XXXX showing that it is current. I am requesting that all Bank of America accounts be removed from my credit report for the reason being that all inaccurate information is being reported and hurting my credit score drastically.

Company response to consumer: Closed with explanation