vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
In XXXX and XXXX of XXXX we were behind on payments for our mortgage. Wells Fargo said we quialfed to pay back so much each month to get caught up. We first started working with XXXX from the home preservation team in XXXX of XXXX. We were told how much to pay for the next four months to get caught up. It was to start XX/XX/XXXX of XXXX but I paid some money in XXXX to help with XXXX payment. Each month I paid the money I went into the Wells Fargo and paid with my sheet from the Home Preservation team and after each payment I would call XXXX to let him know we paid. Our last payment was XX/XX/XXXX and I paid it. I again talked with XXXX and told him it was all done. After two weeks it still showed on WellsFargo.com that we were still behind. I called XXXX and we were on the phone for about an hour with a supervisor from the Escrow department. The local branch put the extra money into my escrow. Per our three way conversation they could see the error and was going to fix it. According to her it would take about 6 days. After 7 days it still showed we were behind. Called again and they escrow department said yes they will fix it. Now I got a new home preservation specialist and we again XX/XX/XXXX called and again was told that it would be fixed. We are two months out from paying our agreement and they still show us behind and it still shows up behind on our credit report. I keep getting told oh it takes 6 days and well 6 days is turning into months. It is not my fault that the branch did not know how to apply mortgage payments correctly even when they had the sheet. They should have told me to not go into the branch. But I paid each month with cash so that it would process faster. I just want this all fixed. Thanks 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 2020-03-29 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: FL

Complaint narrative:
REMOVE FRAUD ALERT

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 2020-03-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020, I attempted to temporarily lift a security freeze placed on my Equifax credit account in order to apply for a credit card. As I had done in the past, I began with the online process which before only took a few minutes and a {$3.00} fee. The initial placement of the freeze 13 years ago, however, required sending Equifax a photo ID by mail. To my dismay, despite having a unique pin number assigned by Equifax, I was unable to get into my account to lift the security freeze. I had a User ID and Password from the past but Equifax has changed the User ID to an email address, which mine did not include. To make matters worse, as in the past, to verify my identity Equifax required answers to 5 questions about my credit report - one going as far back as 26 years ago, another 8 years ago and so on. A single wrong answer and my identity could not be verified. Equifax could have easily asked questions about my current mortgage payment or a current credit card but it chose not to do so apparently to deliberately make it more likely that other information would have to be submitted - such as photo ID - to prove identity. I attempted to call the telephone number provided and waited 1 hour and 15 minutes but no one ever picked up the phone. The website had offered to send me a verification code by mail but warned that this could take 3 to 5 business days or longer. In desperation, I called an Equifax number and pressed 4 to connect to a " product  services specialist '' or salesperson. This person was very helpful, spoke with a foreign accent, asked me a few questions to verify my identity and lifted the freeze. She was however, unable to help me with the login problem on the website which she said is handled by local representatives who were available at the phone number, where it turns out, no one answers. I would like to add that although the other 2 credit bureaus had also changed their security freeze procedures somewhat, having those freezes lifted was a breeze. One even allows you to lift a freeze online for a relative who might be elderly or XXXX. I am still unable to access the website to lift a security freeze either for myself or my husband who is elderly. Equifax has always been problematic. And it is now using the Coronavirus as an excuse to provide even less service than before. It seems that if the company can not make money from a service they do not provide it. This company needs to be regulated and there are more problems with it than just the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried multiple times to dispute my bankruptcy report being remove from Equifax XXXX and XXXX due to my case being closed need help removing it off my credit report.i also wrote my circuit court about verifying my record which they reply that they are not able to release info to credit bureau. My XXXX also is in freeze status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried multiple times to dispute my bankruptcy report being remove from XXXX XXXX and Experian due to my case being closed need help removing it off my credit report.i also wrote my circuit court about verifying my record which they reply that they are not able to release info to credit bureau. My XXXX also is in freeze status.

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 2020-03-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
i HAVE SENT THEM MY LETTERS TO REMOVE MY FAULTS AND NEVER GOT ANY REPLY AND ITS BEEN OVER 60DAYS

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 2020-03-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
i HAVE SENT THEM MY LETTERS TO REMOVE MY FAULTS AND NEVER GOT ANY REPLY AND ITS BEEN OVER 60DAYS

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 2020-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I need access to my mortgage account online which I was able to for over a year. Suddenly I am been told online and person to person phone conversation that my account is been placed on hold. These failing attempts to access my account has been over three weeks. 
Please help.

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 2020-03-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central States Recovery, Inc.
State: MO

Complaint narrative:
I am a Veteran who was sent to an outside provider for care, in which 100 % of the cost was covered by the VA hospital. XXXX XXXX has been given an authorization form on 4 different occasions and was even contacted by a VA representative who attempted to resolve this matter. XXXX XXXX must go through the VA process in order to process their payment. This is a false representation of a debt because under 38 CFR 17.55 ( g ) the VA is the primary and exclusive payer for medical care it authorizes. As such you may not bill the Veteran or any other party for any position of the care it authorizes. 

This debt collection agency is violating my consumer rights because it is misrepresenting a debt that does not belong to me but the VA. This debt collection agency also violated my consumer rights to dispute my debt. When I asked to dispute my debt I was told that I could not do so because I did not owe the debt to their company but XXXX XXXX. I am more than happy to provide this debt collection agency a copy of my authorization form so they can see that I am not the responsible party for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS Account Resolution FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX {$53.00} - XX/XX/2018 The debt has been paid twice! One credit bureau removed the debt ; however, the other hasn't! I have placed several calls, sent certified letter and my attempts has been unsuccessful! Yes the amount is {$53.00} but this debt is showing as derogatory credit and I would like it removed because it was paid in full! The company cashed the money order ; however, never removed the debt! I am asking for your assistance to have the company remove the balance immediately! I can provide a copy of the certified document and my request to XXXX  balance! Thanks in advance! All your assistance is greatly appreciated!

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 2020-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: GA

Complaint narrative:
I did not sign a contract with this company therefore they have no right to report on my credit. I have reached out to the company and asked them to discontinue reporting on my credit and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/2018 statement confirming previous balance {$1100.00} payments {$77.00} other credits {$700.00}. NEW PURCHASES IS INACCURATE I DID NOT PURCHASE NEW {$680.00}. These are the * USAA Hidden in Secret ( secrets are lies ) UNAUTHORIZED FRAUD INTERNAL New Purchases NOT MINE. {$9.00} XXXX XXXX XXXX XXXX XXXX. USAA FRAUDULENTLY FRAUDS CONSUMERS WITH HIDDEN INTERNAL CREDITS TURNED INTO NEW PURCHASES IN SECRET.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: VA

Complaint narrative:
I registered for unemployment with DC Department of Employment Services. They signed me up for a  debit card even though they had my direct deposit information. DOES acknowledged my direct deposit request on XX/XX/XXXX, so NO benefits should have gone to US Bank. I filed for two weeks in XXXX and XX/XX/XXXX. I never got a card. I emailed DOES repeatedly. No response. I did not know who issued the card. I got a letter from card services at my post office box address acknowledging my change of address. No name other than card services, no phone number, a post office box address, and nothing to suggest it was related to my UI claim. I never got a card, although they acknowledged my change of address. I had changed my address with DOES. DOES had my residence address, so US Bank had it as well. I thought the card services mailing was fraud and filed a complaint with CFPB. CFPB rejected the complaint saying there was no card services registered. In late XXXX, I went to the DOES office and finally got a name and number : US Bank Reliacard. I called, identified myself, and corrected my address to include my apartment number. They refused to issue the card, claiming they had to verify the address. I asked for their address. They said they were in the XXXX XXXX  of what, I asked. XXXX  of Florida, they said. I asked to speak to a supervisor. He refused to send the card even though I had identified myself. I said I would sue them. He said go ahead. I taped the call. As of XX/XX/XXXX, I do not have the card and have not heard from them again, which means I havent received my XXXX benefits. I allege mail fraud, wire fraud, misrepresentation, and conversion.

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 2020-03-29 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: Midwest Recovery Systems
State: CA

Complaint narrative:
I have no idea who these people are or how this got on my credit report. I'm 100 % sure this is not mine. 

Account Name : MIDWEST RECOVERY SYSTEMS Account Number:XXXX Date Opened:XX/XX/XXXX Collection account. {$310.00} past due. 
Status Updated : XX/XX/XXXX Balance : {$310.00} Your Statement : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 

Reinvestigation Info : This item was updated from our processing of your dispute in XX/XX/XXXX. 
Historical Information XXXX - Original Creditor Contact Info - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I applied for a credit card at Best Buy when I purchased my cellphone. I got offered the card by the agent and he told me several times that it has a couple of months of interest deferment plus a 10 % reward. Due to this I applied for the card and got approved for it. When I received the card it didnt show the interest rate, or any information regarding the deferment, so I went online to look for it. The website didnt work well, neither the app. It took me a long time to find out where the interest rate was, and didnt find information about the deferment. I sent a couple of emails and never got accurate information. Today, I called the customer service department and got told I selected to get just the 10 % reward, because the offer was either or, not both ( different from what I got told at the store ). The agent just apologized for the misunderstanding and told me theres nothing I can do. After arguing for some minutes, he told me I could go to the store ( which I cant do as Im in quarantine ) or try to call to see if theres a way to contact that specific store so they could maybe do the change. I need to mention that I already used my rewards and I was not aware I was already paying interest on my purchase. This is fake advertisement and all the agents gives confusing information that makes it harder to understand. Today, when I asked about my interest rate, the agent told me 3 different rates, both of the times that I asked. I believe these are predatory practices that hurts consumers and should be prohibited

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 2020-03-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
Citizens banks claims The debt of XXXX from 2007 stills provides false information to the credit by providing payments in ever made to them. Due to the information being provided the credits company continue to undate this information is he during menform buying a house or keep my Clearance with the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Southwest Credit has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I  do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am not the primary account holder and have no control or option to resolve this account but i can tell you that I was sick with advanced stage XXXX a few years ago. During that time I was away seeking treatment. I tried to fight this through the credit bureau with no success, At this time I am not doing well physically with regards to my XXXX. I don't know who to turn to in regards to this account. Every time I try to get through I hit a brick wall and being my time is limited I would like this resolved. This company has multiple accounts with my name involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-29 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: AR

Complaint narrative:
Report # XXXX was sent to me dated XXXX from Experian Consumer reporting agency in regards to a fraudulent dispute I submitted to Experian for accounts XXXX XXXX  acct # XXXX and XXXX # XXXX. This is the 3 attempt in the past 2 months someone has opened a fraudulent loan account in my name. After realizing my identity once again had been compromised I immediately followed specific instructions from the local authorities and completed and identity theft report which also included fraudulent inquiries from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX. My file still contains fraudulent addresses that were disputed over a year ago which are XXXX XXXX XXXX and XXXX XXXX XXXX. In addition to identity theft report I specifically requested Experian to remove all other fraudulent addresses from my credit file which are still currently displaying as of today. Experian has deliberately ignored my request after receiving all necessary supporting documentation and has the audacity to include on the dispute results page 1 of 8 " If you believe you were a victim of fraud, you may contact your local law enforcement agency to make an identity theft report '' which is exactly what i did. Experian has and continues to violate Sections 605b, by not blocking the fraudulent associated accounts after being notified within 4 days, section 609, and 611 of The Fair Credit Reporting Act. I find this totally unacceptable as a consumer and If this issue is not resolved I will be forced to file suit. Any individual who has access to my personal information would be able to portray themselves as myself and Experian has failed to provide any significant physical verification obligating me to the fraudulent accounts, addresses, and inquiries listed above. The data furnisher or e-oscar automated verification is not considered to accurate verification just verifying a consumers name, address, and social security number.

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 2020-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
Currently stuck inside due to possibly being infected with XXXX XXXX. USAA will not work with me on payments and continue to harass me and hit my credit. Not very friendly to service members and veterans dealing with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation