vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: MA

Complaint narrative:
Hello I made a transfer with the company Remitly on the XXXX of XX/XX/2020. The transfer amount was of {$2000.00} to transfer to XXXX and receive R {$10000.00}. The transfer was to arrive on the XXXX of XXXX. I received an email saying it was being delayed for some technical reason on the XXXX. Then I received another email 20 mins after that one saying the funds had been successfully been sent to my bank in XXXX and they would be available at XXXX XXXX  EDT. Its been over 3 days and they funds have been delivered to my account in XXXX. The only way to contact them is through a chat on their site and I have tried the chat twice and every time they say to wait a few more days. The last time I was on the chat was today Friday the XXXX of XXXX and someone told me to give them time that it would be resolved as soon as possible and that they are having technical issues. I don't think thats a good response with no information at all just to wait that they would resolve it as soon as possible. They have shut off all phone and email communication and they people at the chat give you no useful information. I am afraid to lose my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA

Complaint narrative:
This is actually a combination of several things : How payments are being handled and how fees are being assessed/charged. I have a Perkins loan that is being handled with Heartland ECSI. This loan is not covered under the CARES act so I wasn't expecting anything to change with my payments. I'm currently paying more than required payment and I've payed over 50 % of the loan off. I received notification in XXXX that the loan had been placed in Administrative forbearance by the University XXXX XXXX. The explanation on the ECSI site is not clear but my balance indicated that I still owed about 13.00 in interest. I tried to pay it since the loan is in forbearance ( and I didn't request it ) I should be able to make payments without penalty, right? Wrong. Any payments are assessed a fee of XXXX per payment. If you use a credit card, you are charged a 4 % processing fee. The only way around this? Set up automatic payments and take the loan out of administrative forbearance - which I wasn't willing to do with the economic uncertainty. I want the advantage of no interest. ECSI will not allow me to make a payment while the loan is in forbearance. without charging me a fee. How is this legal on a student loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, I am XXXX and spend within my means. I pay off my credit card each billing cycle so as to avoid fees. I just put a large payment for my son 's orthodontic work on my credit card before the COVID shelter in place started and I am not able to work ( I am a XXXX. ) I went to the bank to ask what my fees would be if I didn't pay my bill, and in XXXX it would have been close to {$200.00}, and in XXXX, it would have been $ 600+ because of when the payments were made to the dentist. 

The credit card companies are waving their late fees which sounds so generous, until you realize that the interest rate is gong to be hundreds, while my late fee is only {$39.00}. When I asked my bank why they aren't doing something about the interest rates during COVID, the teller said they weren't in charge of that. Well, who is? And why isn't the government stepping in to regulate this? 

I have money saved, and fortunately, will be able to make the monthly payments for the time being. I am still outraged by this circumstance, however. Think of all the people who are not as fortunate as I. To waive a late fee but continue to charge 18 to 29 % interest during a world-wide crisis seems mercenary, and should have someone leading the way to change this dynamic. Please insist the banks institute a mandatory lower interest rate for anyone who should need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XX/XX/XXXX I got XXXX  credit report in mail. CREDENCE RESOURCE MANAGEMENT was on my credit stating I owed {$1500.00} for XXXX  bill back in XXXX I called to ask why didnt I receive any notification of this. They acted as if they could not understand me it sounded like the lady was XXXX. The lady told me they could sue me in court and collect more. I asked if they knew about the CARES ACT and by law they could not put on the account that this account in question was opened XXXX!! It was a 6-8 year old account. And I was affected by the CARESACT. CREDENCE RESOURCE XXXX XXXX XXXX has caused me great stress and I am a XXXX veteran and take medication for XXXX XXXX XXXX. This has also caused my credit to go down 52 points!! They are breaking the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : 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 2020-05-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : 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 2020-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
DO NOT USE WELLS FARGO TO REFINANCE! I will be making XXXX video for the purpose of explaining how unbelievably horrible this process has been. 

I have already complained to them over and over and over and contacted you. I applied for refinance of my home on XX/XX/2019. It has been 6 months! Apparently you contacted someone at Wells Fargo who then called me and asked me all about the problem but ultimately admitted they didn't have any control over it. I have had people apologizing for months now. 

We had an appointment for Monday to sign closing papers. I assumed this was finally going to be over. I planned to start construction on my garage later next week. Now they are telling me it will be the XXXX. That's a 10 day delay. They said the reason is the appraisal expired. No kidding. It took them 6 months to get here. I am surprised I personally haven't expired waiting. They are also telling me my paystub, signed contracts ( for future and present work ) aren't good enough to prove I am still in business. They gave me a list of things I could provide and I provided ALL of them but now that isn't enough. 

I am losing faith that CFPB can do anything about this. I didn't save the person 's contact info from Wells Fargo but I would like to speak to someone who can actually do something. I do not need someone to apologize over and over. I need someone to do their job.

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 2020-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
My estimated federal tax payment for {$2200.00} was stolen from my mailbox sometime after XX/XX/2019, altered and cashed for {$4200.00}. I was not notified that I was overdrawn. I reported it to my local bank as soon as I discovered the check had been cashed for more than written. Corporate Wells Fargo has been in touch but is taking no responsibility and states it will not reimburse me despite my being a stockholder and a long term customer of both bank and brokerage, with no prior problems and an excellent credit rating.

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 2020-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I requested to have my taxes and insurance removed from my escrow account with Caliber Home Loans. I received a response that my loan-to-value ratio is above 90 % ( for California ) This is a impossibility. I purchased my home in XXXX for the appraised value of {$400000.00}, after a {$20000.00} downpayment my original loan was totaled at {$370000.00}. My current principal is {$360000.00}. In order for my home to be higher than the 90 % ratio, my home would only be valued at {$400000.00}. Implying that in 3 years my homes value only increased {$1800.00}. 

Their own loan officer appraised my home value at {$430000.00} in XX/XX/XXXX while I was seeking out information to possibly refinance and my country tax accessor values the home at {$450000.00}. 

I presented this information to Caliber and re-requested the removal of taxes and insurance, in XX/XX/XXXX and I was yet again denied. Stating once again that I was above 90 %. 

I have ran out of options, and I feel that the mortgage company is stonewalling me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: UT

Complaint narrative:
I was contacted by this company in XXXX about a debt that I didn't realize was still outstanding. I asked them to send me a statement which they did. I had made two monthly payments, one of {$20.00} and one of {$25.00} to them.The total bill at this point is {$100.00}. I forgot to send the payment in XXXX so on XX/XX/XXXX at XXXX we received a call about the payment. My husband let them know that I would be sending a payment online.I told them I would be making another {$20.00} payment and my husband was told they would not accept any payment under $ XXXX.The customer service rep continually hounded my husband to set up automatic payments. When he told them that we weren't interested in doing that customer service rep said that they would be reporting to credit bureau and it would affect our credit.

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