vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: WA

Complaint narrative:
I first learned of the ARS collections accounts associated with me when I received my credit report from a home mortgage lender on XXXX XX/XX/XXXX. There were XXXX open accounts with a total balance of {$2300.00}. These accounts were first opened in XX/XX/XXXX. I first contacted the collections agency Account Resolution Services ( ARS ) on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, I learned from ARS that the address associated with the account, the name, and the date of birth of the person on the account did not match mine -- only the Social Security number matched mine. 

On the advice of ARS I contacted the medical billing firm from which ARS acquired the debt, XXXX, on XXXX XX/XX/XXXX. XXXX did not have any records of charges associated with my name, date of birth, or Social Security number. 

After this, I called ARS to dispute the debt associated with my Social Security number. They instructed me to formally dispute the debt and email them a copy of my driver 's license and SSN card to XXXX. I sent a dispute letter via email on XXXX XX/XX/XXXX. 

I called ARS back on XXXX XX/XX/XXXX to check the status of the dispute. I was told that there was no record of having received my dispute email which I sent on XXXX XX/XX/XXXX, and that there was no one " at their desk '' in the ARS clerical department who could confirm receipt of the email. The agent with whom I spoke relayed advice from their supervisor and told me to call back in a week. I asked to speak to a supervisor and was transferred to an automated answering machine, where I left a message explaining the situation. 

After all of this, I feel that ARS has no intention of reviewing my dispute claim, let alone in a timely manner. The affect of these erroneous, and before now unknown debts has significantly damaged my credit score which has halted my home buying process. The negligence of ARS in this matter has significantly altered my day-to-day life and my ability to reasonably plan for the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I took out these loans with Navient in XXXX and XXXX. One was for XXXX and the other was for XXXX. I currently owe over XXXX on both of those loans combined. I had been making payments consistently since XXXX at least on an income based rate reduction program. Before that the account was being put into forbearance and I was paying {$100.00} per month. I was not given the option before XXXX to do a rate reduction program. I was instead steered into a forbearance and now the interest that has been applied to my loans has made it impossible to even think about paying these off. I am confused about how loans totaling XXXX have turned into over XXXX and I have been making consistent payments since 2015. I realized that I was affected the same way the students that started that class action case were. I have not made a payment on the account since XXXX and the account has now been charged off. They are calling saying they can garnish my wages if I dont pay. I have received wrong information from their representatives this entire time I have been dealing with Navient. Now a loan that was supposed to be paid off in 20-25 years will take 50 years to pay off because of their bad practices and false information provide to me. The loan has now defaulted and they want me to pay the full {$77000.00} which I do not have at this time. Even though I have requested a cease and desist they have still been contacting me and my grandma about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I took out a mortgage with Wells Fargo on XX/XX/XXXX under loan # XXXX. Things went well until i experienced some financial hardship sometime in XXXX whereby I defaulted on my Mortgage and Since I was employed at the time I contacted Wells Fargo to request modification services to enable me put back my loan on track and make my loan status current. Rather than receive cooperation and assistance as a consumer from the Wells Fargo mediation team I did not receive any call backs or any acknowledgement of the hardship filing documents I was asked to complete on every occasion. Each time I called to follow up on the hardship form with supporting documentation as requested either by a provided fax number or regular postal mail I was always told to send a new hardship form each time as the previous one sent was never received .For over 2 years I had to send the same documents over and over again to the mediation team with no one calling back to acknowledge receipt of same.. As a result of the lackadaisical attitude by Wells Fargo and their failure to provide adequate and timely disclosure information to help facilitate the Modification process I was at the point of losing my house to the foreclosure process until the Judge during one of the hearings referred the parties to a mediation conference sometime in XX/XX/XXXX which helped facilitate a modification agreement. 
The modification agreement was eventually forwarded to me electronically at the direction of the court for execution but however the terms and content of the agreement was never discussed or reviewed with me. I was only advised to sign and return the documents. A few years after the agreement was signed I received another letter that my loan will no longer be serviced by Wells Fargo as it has been involuntarily transferred to a servicing company XXXX XXXX with the details and terms of the new agreement with no explanation. 
At a later date I realized that the modification agreement I signed actually extended the maturity date of my loan for another 20 years from XXXX to XXXX. 
Finally, the following financial expenses were added to the loan thus increasing the principal sum of the loan drastically.. 
The sum of XXXX interest was capitalized The sum of {$12000.00} escrow advance was capitalized The sum of {$2.00} listed as recoverable expenses added The sum of {$680.00} listed as recording tax paid. 
I have reached out to the Wells Fargo mediation team and notified them of my claim and have been informed that the request will be reviewed and a response obtained by 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 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Credit Control, LLC
State: FL

Complaint narrative:
To whom it may concern, My XXXX XXXX was closed and sent to collections without notice - this account was opened and active since XXXX. 

I received a letter from the collections agency which I called to verify and confirm the information as I had not received any Statements from XXXX. 

I'd like to request the following information : Why was the account closed? 
Where are the last statements prior to the account closing. 
When was my last payment and what was the balance after that payment posted. 


My last payment to XXXX was XX/XX/XXXX in the amount of {$47.00}- which was the last time I received a statement. 

I have always elected for paper statements to my address and nothing has changed since XXXX. 

I have contacted both Credit Control , LLC and XXXX XXXX and both have advised they have no records of the account. ( Disputes have been made with both to no avail ) I need an immediate response or this to be completely removed from my credit! I have been requesting this information since XX/XX/XXXXXXXX XXXX XXXX  Thank you, XXXX XXXX XXXX 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 2023-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.

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 2023-02-02 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:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Account is in violation of 15 USC 1681e ( b ) of the Fair Credit Reporting Act and 15 USC 1681i ( a ). 15 USC 1681 ( a ) 4 invasion of my privacy.15 U.S. Code 1681q - Obtaining information under false pretenses XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I checked my credit profile a few months ago and realized an account that I didn't open is on my reports. I was young and never knew anything about credit and have never had a credit card. Someone opened a credit card with my information, made payments and stopped paying I guess, and now I have this fraudulent debt on my name. I was informed I've been a victim of identity fraud. 

I informed Portfolio Recovery Associates LLC that this account is not mine, I am a victim of identity theft. The account number is XXXX. I have filed a police report, and mailed it to them along with my identity theft form. I need this account removed from my name and credit reports immediately. This is my final attempt at peaceful mediation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
I received a check from a woman named XXXX XXXX. She sent the check through the mail. The check was sent for me to walk her dog and also send money to a person for a refrigerator. The check was for {$2400.00} and once it was put into my checking account at Huntington Bank I used XXXX to send {$1500.00} for the refrigerator. The check than bounced and now my account is negative. 
I put the check into my checking account on XX/XX/XXXX and used XXXX to send the {$1500.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XXXX of 2022 I opened a small business credit card that offer a {$300.00} promotional credit after 60 days of spending {$3000.00}. I fulfilled the requirements and waited an additional 30 days for my credit. After two calls over the past few months and requesting Bank of America to investigate my issue I finally spoke with XXXX XXXX XXXX of Small Business Department in California today XXXX XXXX. I was told that this does not apply to unsecured cards but this was never detailed in the promotion. This along with constant erroneous charged fees ( {$12.00} ) on my personal accounts with Bank of America has promoted me to reach out today. I don't understand how a bank is able to operate with consumers affairs so carelessly and not be held accountable.

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 2023-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On Tuesday, XX/XX/2022 my company vehicle was stolen from the parking lot where I regularly park my business vehicles. Soon after this incident, I was informed that full coverage was not placed on the vehicle. I have always had full coverage on all of my financed vehicles. XXXX XXXX did not contact my insurance company at any time to inform them that full coverage was not on my vehicle even though I had requested it. Lenders require all clients to maintain full coverage auto insurance to protect their investment and XXXX neglected to confirm that insurance company complied with this requirement. I also contacted my insurance company and was told that XXXX hadn't contacted them regarding the lack of coverage on the financed vehicle. 

I repeatedly contacted XXXX XXXX to come to some sort of agreement regarding the stolen vehicle and no one was willing to assist me. Several of their representatives had very ill-mannered responses to me when I called about the situation. It took weeks for someone to send me my paperwork that was requested regarding the vehicle that was stolen. 

XXXX XXXX is requesting that I pay the vehicle in full when they neglected to insure the vehicle was protected with full coverage insurance.

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 2023-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FRESNO CREDIT BUREAU
State: TX

Complaint narrative:
Creditors Bureau USA out of XXXX, CA is trying to collect a debt and reporting on my credit report that has already been paid by my insurance company ( XXXX ). The charge was originally from XXXX XXXX XXXX for {$550.00}. The insurance company claimed they weren't going to pay it at first but then eventually did pay it. The Creditors Bureau USA XXXX has been calling me and I don't owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX XXXX XXXX my account was permanently limited by Paypal, the reason given was " due to potential risk. '' XX/XX/XXXX at XXXX, I sent a message through Paypal 's official XXXX page. After going through the automated chat system, the XXXX XXXX stated, " I've placed your message into the queue and an agent will respond back as soon as possible! '' Never heard a response from an agent, as of XX/XX/2023. 
XXXX XXXX XXXX XXXX, I XXXX and sent a direct message to XXXX XXXXPayPal 's XXXX account. I was able to chat with an agent, given the initials XXXX, but when I asked why my account was permanently limited, I was just told to refer to my original notification that it was permanently limited " due to potential risk. '' I was not told what the potential risk was and that the permanent limitation was something they " would be unable to change, '' and I would be able to withdraw my account funds after 180 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kehoe Financial Group, LLC
State: CA

Complaint narrative:
Kehoe Financial Group sent me a debt collection letter for traffic violations in XXXX XXXX stating it occurred in 2019. Theres no way to contest this bogus claim. On top of that they want me to send money to the company directly. Its a scam mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
original debt is with XXXX XXXX XXXXs they tried to make up a bunch of charges once i moved out. i believe it was in retaliation for a complaint i made to hud. They made fake claims of debt owed and then sent it to a debt collection agencies. i disputed debt with them and was told i did not have to be shown any prove of items paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
My car was repossessed by my auto lender EXETER Finance on XX/XX/2022, according to ( Cal. Civ. Code 2983.2 ) Before selling the car, your lender must provide you with a notice at least 15 days before the sale date & to collect a deficiency, the notice must be given within 60 days of the repossession and must include certain information, including your rights regarding reinstating the loan or redeeming the vehicle. The deficiency letter has a date of XXXX XXXX but I did not receive any contact from the company in the month of XXXX at all and I did not receive the deficiency letter until I had to call them on XX/XX/2022 and I have the secured email to prove I wasnt notified of the deficiency letter until 83 days after the car was repossessed thats well over 60. I tried to speak with them to get them to realize theyve violated a California Civ. Code and they did not remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN charged my checking account. UNAUTHORIZED CHARGE. 
Transaction Details for Row XXXX XX/XX/23 PURCHASE Experian* Cr XXXX XXXX XXXX {$24.00} OVERDRAWN ACCOUNT Activity Summary Current posted balanceOpens a dialog Minus- {$3.00} Pending withdrawals/debits Minus- {$27.00} Pending deposits/credits {$0.00} Available balance Minus- {$31.00} I had to cancel my card and reorder a new one due to the fraud. 
XXXX XXXX is investigating.

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 2023-02-02 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: NEW YORK COMMUNITY BANCORP INC
State: IN

Complaint narrative:
The car dealership Flagstar and XXXX are showing up as an inquiry on my credit report as I didn't authorize anyone to pull my report nor did I apply for any loans. I have contacted them on several occasions and no one has been of any assistance to have this removed.

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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, several fraudulent transactions were made against my Wells Fargo account, totaling in a loss of approximately {$7500.00}. 

Saving Account XXXX : on XX/XX/XXXX, {$7000.00} was transferred from this account to my everyday checking account Savings Account XXXX : the following fraudulent withdrawals were made : Transfer from everyday checking {$620.00} ATM Withdrawal XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC : {$140.00} ATM Withdrawal XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC : {$240.00} Transfer to everyday checking {$620.00} Transfer to everyday checking {$0.00} Transfer to everyday checking {$20.00} Everyday Checking account : Transfer to Savings account XXXX - {$620.00} XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NC - {$1000.00} XXXX XXXX XXXX # XXXX XXXX U XXXX NC - {$2900.00} XXXX XXXX XXXX # XXXX XXXX U XXXX NC - {$2900.00} ATM Withdrawal ATM Withdrawal XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC : {$620.00} Following these transactions, a representative from XXXX called on XX/XX/XXXX to report fraudulent activity. I confirmed that these charges were not authorized and requested they be disputed. They did not close the card as requested. 

My claim has been denied in several instances, as they can not confirm whether I authorized these transactions because they involved entry of a pin number. However, a representative confirmed that they at least had video footage of the person responsible for the ATM transactions and requested I submit a photo of myself, to which they claim they have not yet received, even though I submitted these to a local branch that was responsible for faxing them over to the appropriate parties. Wells Fargo granted me a limited credit of {$620.00} out of the {$7500.00} stolen. Following several decisions denying my claim, they communicated their intent to reverse these temporary funds on XX/XX/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