vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I took out 4 Trust Account before Wellsfargo took over from XXXX. I'm missing one. Your office needs to find it. I took one out for XXXX XXXX (Found); XXXX XXXX (Found); XXXX XXXX  (Found) and XXXX XXXX (Missing). I am very disappointed with Wellsfargo Bookkeeping that causes them to loose this account. None of the children (young adults) cannot close out or should have access without my permission or me being present. The last time XXXX Account was accessed was in XXXX XXXX, South Carolina at the XXXX XXXX They need to get their record and the information. If I have to dig, I am going to charge for my time. I have called about this account numerous time. My last time visiting a facility was last week in XXXX XXXX I have filed several complaints with the department of Banking and Insurance and the Consumer Finance Protection Bureau (CFPB) regarding this account.?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There was a data breach at Equifax and my personal financial data was accessed. Please investigate this egregious act of ommission on the part of Equifax. I understand I wasn't the only one impacted Thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
The mortgage servicer - XXXX XXXX XXXX - incorrectly used the wrong property address, whereas the Mailing Address Certification form the loan origination had the correct address listed on it. So they were sending mail to the wrong address and I never received any mail from them. No statements, nothing. When I pulled my credit report, I noticed a 90-day late on it. Then I called the company and found out they were my loan servicer. I immediately paid the amount due, and became current within 2 days of finding out who was my loan servicer. Now I have a negative mark on my credit. I spoke to a very nice, informative gentleman from the CFPB. He was very helpful and thorough. I am really glad you all are here looking out for homeowners. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: PA

Complaint narrative:
Equifax is reporting incorrect data that has been disputed and not properly verified. They are also reporting an address that does not belong to me and I was told that it would be removed but it has not been removed nor has it been verified. 

The account is listed as XXXX XXXX  XXXX account number XXXX. After sending letters to the XXXX XXXX XXXX and XXXX XXXX  and XXXX have deleted this account from my record. The XXXX XXXX  XXXX nor Equifax have provided me me documents such as business records, an account audit, application or the original instrument of indebtedness. 

I have sent 3 certified letters and responded to a letter sent to me and called on XX/XX/2018.  It was confirmed that my letter was received on XX/XX/2018. I have not heard back from them and it has been 30 days so this needs to be removed from my credit report. I did receive a letter from XXXX that was addressed to someone else. I have sent that letter back to XXXX. I have taken a picture and will attach it to this message.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I received a collection letter in the mail from XXXX XXXX XXXX claiming I owed them {$1000.00}. I called XXXX because I don't recall taking all XXXX of my children to the hospital. When I called them they attempted to collect the said amount, I told the gentleman on the phone that I needed him to validate the debt before we discuss anything else. He told me that I should just call my insurance company and see what they have and haven't paid. That seemed like it would take forever so I asked that he just send me the documentation that would validate it. He was starting to get snippy as if he didn't want to help me figure out what the charges were or if the account was even mine. He finally agreed to send the documentation I requested. Later that week I received so called statements from XXXX  that they claimed to have gotten from the original owner of the debt. ALL 3 of these statements were addressed to my XXXXyo daughter, not only that. In the original collection letter they state that all XXXX of my children healed a balance but when I got the statements they only showed my XXXXyo. I believe these statements to be forged and inaccurate. I also never gave out permission for my children 's medical record to be released either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
Hello I have a loan and pay to navient. Just recently I looked over a payment and noticed that when they received the loan from where it was I owed XXXX it was the principle payment owed. I have that on a receipt of payment I received last XX/XX/XXXX. I trusted this company thinking they would help. I now notice that my balance is XXXX. When calling them and asking them about the issue they told me that when I put it in forbourance from XX/XX/XXXX to XX/XX/XXXX that the interested from the old company was added. I don't believe this is right. I can't even look up and see where it came from and why it didn't come right away with the loan. Also told me while it was in forbearance it was collecting interest and they never told me that. I was told since I was trying to get into school it would be the best idea. I pay my payments on time. Ikm trying to get out of this debt and fix my credit. People think it isn't alot of money owed when I ask for help but to me it is and if they are XXXX me over I need help. When looking into it I found that they have been dishonest and have lawsuits out. Please help me I don't no how else to fight it. The person on the phone was giving me wrong information she didn't even no what she was talking about. I received this loan in XX/XX/XXXX so I no it could have collected interest but they can't tell me anything all they kee0 saying is loom online. I am trying to dispute it because I believe they are frauding me. I look forward to hearing from you and hope you can help. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I filed an identity theft report with the FTC and immediately put a Fraud Alert out on my credit report. I further went to my local Police department to report the theft and sent in the needed documents to XXXX & Equifax. XXXX already had an ongoing investigation therefore I did not sent the documents out hoping they would be finished with their investigation soon enough. 

Equifax received the identity theft documents on XX/XX/XXXX. I got an email on XX/XX/XXXX that's they have received my dispute and they will have an answer for me within 30 days. I did not send in a traditional dispute letter. I sent in an identity thefy report from the FTC, a local police department report number, copy of my Credit report with the accounts circled with proof of identity and a copy of the FCRA. 

Why if this being treated as a traditional dispute when I have spoken to the FTC and that the agency must block information on my credit report related to identity theft within 4 Business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: MA

Complaint narrative:
Original creditor XXXX 's debt was sold to XXXX XXXX. I called XXXX to ask for itemized balance showing how they came to the total. XXXX told me that they cant send me anything but XXXX would have that information. I called XXXX and was told that XXXX has all of the information regarding the balance, but that I was charged multiple monthly payments after his XXXX account was cancelled. Both creditors refused to send me any sort of debt validation and would not share any more information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
Two years ago I used the Care Credit Card for XXXX work of just over {$2000.00}. I have spent close to XXXX to pay off {$2000.00} bill. The current interest charge for one month is over {$800.00}, when the amount left to pay off was {$750.00}. I am unable to pay off this debt and can not make sense of how this card works and how it would be helpful to anyone. This has been a horrible experience and I thought it needs to be shared with other. Care Credit needs to be stopped. It states that you may have 29 % interest rate, but I am being charged {$800.00} in interest in one month on a bill that was {$750.00}. That is not 29 % 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 monetary relief
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Green & Sons Agency, Inc.
State: MD

Complaint narrative:
I HAVE ATTACHED THE POLICE REPORT. Per my XXXX  REPORT, SHOWS 13 ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX  AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
hi, i paid my entire XXXX XXXX debt off three months ago. it was {$600.00}. i sent the copies of the money order to transunionin in XXXX, PA immediately following. 
XXXX XXXX only raised my credit 100 points. my credit is supposed to increase 200 points. 
i called XXXX XXXX and i dout they are going to do anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ROCKFORD MERCANTILE AGENCY, INC.
State: IL

Complaint narrative:
I was contacted from a debt collector ( XXXX XXXX XXXX ) back in XXXX of XXXX regarding a number of outstanding medical bills. I asked for verification of the charges with statements from the providers. One of them was sent and I paid via phone with a debit card to the collection agency. The other ( XXXX XXXX XXXX ) has not been able to produce a statement for verification of the charges. 

These charges are back from XX/XX/XXXX of XXXX and I do not recall ever seeing any requests for payment from them or the collections agency until I was contacted back in XXXX or XXXX. I requested statements and have yet to receive anything on this. This debt has been reported as delinquent on my credit report, but I have just recently become aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The mortgage servicer - XXXX XXXX XXXX - incorrectly used the wrong property address, whereas the Mailing Address Certification form the loan origination had the correct address listed on it. So they were sending mail to the wrong address and I never received any mail from them. No statements, nothing. When I pulled my credit report, I noticed a 90-day late on it. Then I called the company and found out they were my loan servicer. I immediately paid the amount due, and became current within 2 days of finding out who was my loan servicer. Now I have a negative mark on my credit. I spoke to a very nice, informative gentleman from the CFPB. He was very helpful and thorough. I am really glad you all are here looking out for homeowners. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
Started having the Chase XXXX card since XX/XX/2017. Enjoyed the benefits but hated the service ( disorganized customer service and put under periodic review twice in 3 months ). 
I applied for another credit card ( Chase XXXX ) the end of XX/XX/XXXX, and received the card a week later. However, before I even started using the new card, Chase closed all my account without contacting me via email/phone. I have done no suspicious activity or spending, paid every bill full amount and on time. 
My problem with Chase was : why gave me another credit card when this would lead to the closing of all cards? My credit score was harmed and, more importantly, the closing of account is causing great inconvenience to my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
back in XX/XX/XXXX I trade in a XXXX XXXX XXXX for a XX/XX/XXXX XXXX XXXX to XXXX, TX XXXX and was told by the dealer not to make XX/XX/XXXX payment because it would mess up the pay off amount. I also at the time did have possession of the XXXX which was being financed through capital one. Needless to say I looked at my report and XXXX XXXX had me reported as delinquent for the month of XXXX despite the care not being in my possession. I disputed it twice with XXXX XXXX with no resolution. I also disputed it with XXXX and they came back saying XXXX XXXX is correct despite it showing on my credit report that I had another at that time frame. I call XXXX about this issue and they told me that XXXX XXXX was responsible and then I called XXXX XXXX and they placed the blame on the dealership. I feel that I have been the one did wrong during this situation. both companies were paid and I had something negative placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
back in XX/XX/XXXX I trade in a XXXX XXXX XXXX for a XX/XX/XXXX XXXX XXXX to XXXX, TX XXXX and was told by the dealer not to make XXXX payment because it would mess up the pay off amount. I also at the time did have possession of the XXXX which was being financed through XXXX XXXX. Needless to say I looked at my report and XXXX XXXX had me reported as delinquent for the month of XXXX despite the care not being in my possession. I disputed it twice with XXXX XXXX with no resolution. I also disputed it with experian and they came back saying XXXX XXXX is correct despite it showing on my credit report that I had another at that time frame. I call experian about this issue and they told me that XXXX XXXX was responsible and then I called XXXX XXXX and they placed the blame on the dealership. I feel that I have been the one did wrong during this situation. both companies were paid and I had something negative placed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: MS

Complaint narrative:
In XX/XX/XXXX, I was offered the U.S. Bank Cash+ Visa Signature credit card by U.S. Bank through the pre-qualification page on the U, S. Bank website, located at : usbankfindmyspecialoffer.com One of the " Key Benefits '' portion of the offer stated : " Earn {$100.00} cash back after you make {$500.00} in eligible net purchases in the first 90 days. '' I took a screen capture of this offer on my computer to verify that I was indeed pre-qualified for this card. 

Since I was prequalified according to this offer, I applied for the card and was approved for it and subsequently met the spending requirements of {$500.00} before the end of the 90-day period. I then called U.S. Bank Cardmember Service to inquire about my {$100.00} reward and was told there was no record of it being attached to my account. The representative said they would look into it and contact me. 

I received a letter dated XX/XX/XXXX from Cardmember Service stating that they needed verification of my offer, so I mailed a photocopy of the screenshot to Cardmember Services on  XX/XX/XXXX. I also noted in the letter that on that same day the pre-qualification page of the U.S. Bank website was showing me the same offer for yet another credit card ( U.S. Bank XXXX XXXX XXXX XXXX XXXX ), with a promise of a {$150.00} reward after spending {$500.00} in eligible purchases in the first 90 days. I did not apply for this card as I didn't need another card at the time, but I pointed it out in my letter to show that these are ongoing offers by U.S. Bank, despite the fact that the representative I spoke with claimed to know nothing of it. 

After mailing the screenshot as proof of the offer, I then receive a second letter dated XX/XX/XXXX, which stated they did not receive the full terms of the offer. They are now asking for a front and back copy of the promotional offer, which I do not have and which does not apply in my case, because this was an online offer via their website and not an offer I received in the mail. 

I am now turning to the CFPB for help, as it has become apparent that U.S.Bank is not willing to fulfill the terms of this promotional offer even though I have met the requirements and provided them with the information they requested.

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 2018-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
on XX/XX/2017 we sent {$1200.00} to XXXX with the company " XXXX XXXX XXXX ''. the company charges us {$12.00} as a transfer fee so total for transaction was {$1300.00} usd. When we send money usually the person that picks up the money in XXXX has to sign for the money and show their ID. when my niece went to pick up and claim for the money the company told her that the money had already been picked up at a different city. ( same company but different city/branch ) how is this possible? my niece did not pick up the money from this company. complete scam fraud. this is not money that had been given to me as a gift, we have worked hard to save this money. how is it so easy for this company to just say, " it was delivered and signed for ''. we then opened a claim with XXXX and after waiting over a month they come back and said., it was picked up and they can't do anything about it.

Company response to consumer: Closed with explanation