vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had a Federal Student loan with the XXXX XXXX XXXX XXXX that went into default and they began to garnish my paycheck until the loan was paid off in full. The final payment was made over a year ago. In fact I over paid on the loan and received several refund checks from the US treasury department to repay back the over payment. A few months ago I was informed by my mortgage lender that I had an unpaid student loan appearing on my credit report. I thought he must be seriously mistaken but there was a balance of {$180.00} added to a school loan and it stated it was unsettled. I reached out to the XXXX XXXX XXXX XXXX about what was appearing on my report as well as disputed the era with XXXX. I was told by XXXX XXXX XXXX that my acct was categorized incorrectly and they would have to correct it and should reflect correctly in 7 days. I waited two weeks and called them back and the era had not been corrected. I was reassured that the problem would be corrected and was told this time that it only takes two days. My lender ran a check of my profile on some system ( due to me applying a gov backed loan ) and my name was cleared after two days. My XXXX report was corrected as well. However, now on my experian report it is saying that I failed to make a payment on the acct this year. The acct was satisfied last year and there should not be anything due. They owed me. Now experian is not allowing me to dispute this acct again because I disputed it previously. My fear now included that XXXX will be the next one receiving incorrect information on my report. This has cost me two homes in this home buying process. 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 2018-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On my one year anniversary statement, I noticed Wells Fargo charged me a returned check fee for {$15.00}. They also sent a letter that said that my most recent automatic payment was returned unpaid/account not found and that as a result, the Automatic Payment Feature on my account had been canceled. I am not aware of being enrolled in any automatic payment feature. This type of error has not occurred before on my account and I manually pay my bill each month. I called Wells Fargo and the customer service representative was helpful and told me he could reverse the {$15.00} and that it would show up as credited on my next monthly billing statement, just to pay my bill as normal.

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 2018-06-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I believe this company closed my last case claiming fraud in reality. Theyre not trying to give me my money back. Ive heard alot of complaints about this company regarding the same issue. There is no fraud and for Goldman Sachs to assume such frivolous ideas is uncalled for. You guys never bothered to contact me not once. Thats very unprofessional. Spoke to customer service already and was told my account was being closed. I was okay with that and asked where are my funds going to go. Once again i was told theyll be transferred to my linked external account. I have a recording of that conversation between a rep of Goldman Sachs and i. I recorded it because i knew they were going to pull this mess. I havent seen a penny of my {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: HW Holding, Inc
State: NC

Complaint narrative:
I NOTICED THAT HUNTER WARFEILD PUT A COLLECTION ON MY CREDIT DUE TO A BALANCE REPORTED TO THEM BY XXXX XXXX XXXX IN XXXX NORTH CAROLINA. I CONTACTED THE APARTMENT COMPLEX AND ASK THEM WHY THEY WOULD REPORT A COLLECTION IF IVE NEVER LIVED THERE THEY QUICKLY APOLOGIZED AFTER I SHOWED MY POLICE REPORT TO PROVE I WAS A VICTIM OF IDENTITY THEFT. THEY TOLD ME UNFORTUNATELY ONCE THE COLLECTION HAS IT THERE NOTHING MORE THEY CAN DO AND INSTRUCTED ME TO CALL HUNTER WARFEILD. HUNTER WARFEILD SAID THEY DIDNT CARE THAT I DIDNT STAY THERE SOMEONE & THAT SOMEONE ELSE DONE IT IN MY NAME AND THAT I STILL I HAD TO PAY. THAT IS SIMPLY AGAINST THE LAW THIS ACCOUNT WILL BE REMOVED BECAUSE NEVER LIVED IN THOSE APARTMENTS. I ALSO WANT ALL OF MY POINT BACK FROM THE DROP I RECEIVED DUE TO THIS ERROR. AND I HAVE A POLICE REPORT TO PROVED MY IDENTITY WAS STOLEN A 6 MONTHS BEFORE XXXX XXXX XXXX  STATED THE LEASE WAS SIGNED.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation
State: UT

Complaint narrative:
On XX/XX/XXXX I contacted avant asking them to provide me with a pay off amount. I was told the payoff amount was XXXX. On XX/XX/XXXX they received my check in the amount of XXXX. They sent me a confirmation email stating they have posted my payment to my account. After two years they started reporting to the credit bureaus in XXXX of this year stating that I was behind on my payments. When they were clearly paid off 2 years ago. I called them to ask what this was about and they told me I still had a balance with them because I didnt make XXXX payment in XX/XX/XXXX. But it clearly says in the payoff quote if you pay before XX/XX/XXXX XXXX will your be your pay off amount and they received my payment on XX/XX/XXXX. I asked them what needed to be done and they told me well you can take care of your balance but we cant tell you that balance until you have made 6 months of payments. I have disputed their reporting of late payments with transunion and they removed their account from my credit report. XXXX will not remove from my credit report they are telling me everything is accurate. I am currently waiting on an answer from XXXX. This company is horrible and try to get more money. Something is clearly wrong if after 2 years they decide to report to credit. They need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
I had a XXXX charge card that was discharged and received a XXXX. I had my wages garnished without notice in XX/XX/XXXX without representation. The collection firm that used a justice of the peace located over 50 miles from where I reside. The collection firm Gurstel Law Firm P.C. formerly known as Gurstel Chargo P.A. filed and garnished my paycheck. Case XXXX Gurstel file number XXXX   filed for notice of renewal of judgement with an expiration date of XX/XX/XXXX! The original debt was discharged from XXXX with a XXXX. On XX/XX/XXXX a Notice to Discharge and Release Garnishee was mailed to me. But later they secured a judgement to renew. Gurstel law firm is using predatory tactics by courts to collect on a discharged account. I have been unemployed for the most of the last seven years. I last year I only made {$130.00}. This judgement makes it difficult for me to retain a job. I also suffer from XXXX XXXX and live with friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sierra Holdings LLC
State: IL

Complaint narrative:
I have been unable to obtain accurate account info and balance info regarding this account. Account number and balance are both incorrect on my credit report. For debt to be legitimate report to any bureaus it must be accurate, verifiable, and true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bayside Capital Services, LLC
State: FL

Complaint narrative:
This creditor called my husbands phone and said a legal notice will be sent to my place of business the next business day if I did not contact them immediately. So I called the number that was giving to my husband and a very rude man said that I owed an amount of {$3800.00}. Although I did take a payday loan out for XXXX dollars some time ago, I have never take loan amount for over that. This gentleman told me that my original loan was for XXXX dollars. I ask for verification of the loan and was told that I was only trying to stall and that I needed to take care of it right then. I expressed the fact that I have a right to ask for verification and again was told I do not. He then hung up on me. I called back and asked to speak to a supervisor. I told the supervisor that I was not disputing the loan just the amount. I was told if I set up arrangements that day that He would get the information out to me in 10 days from the original creditor. Well this never happen. I continued to make payments of XXXX every paycheck. I asked several times for the information I request and still no response. I stop payment on the last weeks payment and again I got a call from the company saying they were going to send out legal notice to my place of employment. I called the number back and was told that they have sent the notice to me about what I owe. but the only notice I get is from them. not from the original creditor, so they still can not prove to me that I owe the amount they say. Then doing some research today, I find out that collection agency in the state of XXXX XXXX can not collect on Payday loans because it is illegal. I want this to stop. I want the original amount owed and I also want to know if they are legally allowed to collect money from me for a payday loan that I told out over the internet. I live in the state of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: Westlake Services, LLC
State: NC

Complaint narrative:
I NOTICED A CHARGE OFF ACCOUNT WITH WESTLAKE FINANCIAL SERVICE THAT I DIDNT OPEN ON MY CREDIT REPORT. IT IS A FRAUDULENT ACCOUNT. IVE CALLED WESTLAKE FINANCIAL AND HAVE SPOKEN WITH MANY SUPERVISOR AND HAVE EXPLAINED TO ALL OF THEM THAT I DIDNT APPLY NOR OBTAIN A AUTO LOAN WITH WESTLAKE FINANCIAL. IVE EXPLAINED TO THEM THAT MY IDENTIFY WAS STOLEN A ALMOST 2 WHOLE YEAR BEFORE THIS CAR WAS PURCHASED AND EVEN EMAILED AND FAXED OVER THE POLICE REPORT TO VALIDATE MY STATEMENT.THEY IMMEDIATELY APOLOGIZED AN SAID HOWEVER SINCE THE DEBT WAS SOLD TO XXXX XXXX XXXX THAT I WOULD NEED TO CONTACT THEM .XXXX   DISREGARDED MY CONCERN AND SAID I STILL WOULD HAVE TO PAY THIS AUTO LAON THAT I DIDNT SIGN UP FOR NOR AUTHORIZED TO BE IN MY NAME. I THEN CALLED WESTLAKE FINANCIAL BACK AND THEY SAID THEY WONT REMOVE IT AND THAT I NEEDED TO PAY TO HAVE IT REMOVED. THAT IS AGAINST THE LAW AND THIS ACCOUNT WILL BE REMOVED. I DIDNT OPEN THIS ACCOUNT, IT IS FRAUDULENT AND I NEED IT REMOVED FROM ALL THREE OF MY CREDIT REPORTS AND RECEIVED ALL OF THE POINTS BACK THAT I LOST FROM THIS FRAUDULENT AUTO LOAN ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WELLS FARGO COMPLAINT XX/XX/XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fl XXXX Loan # XXXX To whom it may concern : I, XXXX XXXX XXXX, am filling a complaint of UNFAIR LENDING PRACTICES AGAINST WELLS FARGO.

After hurricane Irma hit florida in later XX/XX/XXXX, Wells Fargo Bank targets certain clients to lure them into Hurricane relief program.

And once inter program, they would encourage additional payment deferment program such as loan modifications.

Once, client accepts program and especially are economically impacted by the hurricane.

Wells Fargo Bank will than starts charging unnecessary Fees such as Multiple Appraisal Fees and other late Fees and UNFAIR ACCELERATED FORECLOSURE PRACTICES while in the program.

Also, Wells Fargo Bank pushes into fixing home while in Modification process.

After a few months have gone by, they declined your request and with unknown reason and When you asked the representative the reason for denial. They said is income and another time is too many modifications. Every time you challenge the first reason and they will give you another reason for denial.

Wells Fargo Bank purposely use the hurricane Relief Program to make you late for several months and charge me Unnecessary and Unfair late fees and because client can not pay the arrears. They forced into Short Sale and worst FORECLOSURE.

I AM REQUESTING A FULL INVESTIGATION OF WELLS FARGO BANK UNFAIR PRACTICES IN ORDER TO CHANGE ILLEGAL FEES AND PRE ACCELERATED FORECLOSURE PROCEDURES TO TAKE ADVANTAGE OF EQUITY HOME OWNERS.

I look forward to hear from your department very soon of this very important and unfair treatment from Wells Fargo Bank against it customers. Im counting on you to look into this matter once and for all. I believe even the National Medias need to be aware of this unscrupulous behavior by Wells Fargo Bank.

I WANT TO SAVE MY HOME AND AFTER PAYING MY MORTGAGE FOR OVER 14 YEARS.

I AM ASKING WELLS FARGO BANK TO ALLOW ME TO REINSTATE MY REGULAR MORTGAGE PAYMENT AND TO DEFER THE ARREARS OR PAST DUE PAYMENTS.

I intend to pay the bank every cents that I owe to them minus the unfair fees.

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX   Email : fXXXX  Phone : 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 2018-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I had a Discover charge card that was discharged and received a XXXX. I had my wages garnished without notice in XX/XX/XXXX without representation. The collection firm that used a justice of the peace located over 50 miles from where I reside. The collection firm XXXX XXXX XXXX XXXX  formerly known as XXXX XXXX XXXX filed and garnished my paycheck. Case XXXX XXXX file number XXXX filed for notice of renewal of judgement with an expiration date of XX/XX/XXXX! The original debt was discharged from Discover with a XXXX. On XX/XX/XXXX a Notice to Discharge and Release Garnishee was mailed to me. But later they secured a judgement to renew. XXXX XXXX XXXX  is using predatory tactics by courts to collect on a discharged account. I have been unemployed for the most of the last seven years. I last year I only made {$130.00}. This judgement makes it difficult for me to retain a job. I also suffer from XXXX XXXX and live with friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
I had XXXX XXXX XX/XX/XXXX spent a week in hospital. Had a XXXX   XX/XX/XXXX and admitted again for 3 days with XXXX XXXX. I am unable to drive or ride any long distance in a vehicle until doctor releases me. I called XXXX  on XXXX XXXX XXXX explaining situation. XXXX told me to call back Friday XX/XX/XXXX to verify what doctor said. I called and XXXX wasn't in, but, a man talked to me, saying, he also is a manager. I asked if the late fees and interest rate could be paused, since I am unable to drive to XXXX XXXX to make payment. They won't allow debit card, or another person taking payment in. Has to be only myself with cash. He refused. I have no control over my physical conditions that are preventing me to go 35 miles to make cash payment. I am also being charged 56 % interest and had to buy additional insurance I don't need but, required for loan.They say you can refuse eit, but, if so, it also contributes to breaking contract and taking my car.

In XX/XX/XXXX, my XXXX  check had error, so, I was XXXX short on payment. I drove there with XXXX. Payment at that time was XXXX They refused what I had because it was not whole amount. They " suggested '' I borrow XXXX  from a friend, come back on Monday, make payment, and turn right around and borrow more to repay friend. The catch, the minimal they loan, another XXXX. So, now I am in XXXX and only able to make the interest payment every month of XXXX, IF I AM ON TIME.Now, I can't make any payment from being home bound until i can walk and drive again.

It doesn't seem right, they can take my car because THEIR POLICY WON'T ALLOW ANYONE OR ANYWAY FOR ME TO PAY, EXCEPT FOR MYSELF. Along with the fact, I am very XXXX   now and unable to travel.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I NOTICED A CHARGE OFF ACCOUNT WITH XXXX XXXX XXXX THAT I DIDNT OPEN ON MY CREDIT REPORT. IT IS A FRAUDULENT ACCOUNT. IVE CALLED XXXX XXXX  AND HAVE SPOKEN WITH MANY SUPERVISOR AND HAVE EXPLAINED TO ALL OF THEM THAT I DIDNT APPLY NOR OBTAIN A AUTO LOAN WITH XXXX XXXX. IVE EXPLAINED TO THEM THAT MY IDENTIFY WAS STOLEN A ALMOST 2 WHOLE YEAR BEFORE THIS CAR WAS PURCHASED AND EVEN EMAILED AND FAXED OVER THE POLICE REPORT TO VALIDATE MY STATEMENT.THEY IMMEDIATELY APOLOGIZED AN SAID HOWEVER SINCE THE DEBT WAS SOLD TO XXXX XXXX XXXX THAT I WOULD NEED TO CONTACT THEM .XXXX   DISREGARDED MY CONCERN AND SAID I STILL WOULD HAVE TO PAY THIS AUTO LAON THAT I DIDNT SIGN UP FOR NOR AUTHORIZED TO BE IN MY NAME. I THEN CALLED XXXX XXXX  BACK AND THEY SAID THEY WONT REMOVE IT AND THAT I NEEDED TO PAY TO HAVE IT REMOVED. THAT IS AGAINST THE LAW AND THIS ACCOUNT WILL BE REMOVED. I DIDNT OPEN THIS ACCOUNT, IT IS FRAUDULENT AND I NEED IT REMOVED FROM ALL THREE OF MY CREDIT REPORTS AND RECEIVED ALL OF THE POINTS BACK THAT I LOST FROM THIS FRAUDULENT AUTO LOAN 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 2018-06-13 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: Collins Asset Group, LLC
State: NC

Complaint narrative:
I NOTICED A CHARGE OFF ACCOUNT WITH XXXX XXXX XXXX THAT I DIDNT OPEN ON MY CREDIT REPORT. IT IS A FRAUDULENT ACCOUNT. IVE CALLED XXXX XXXX AND HAVE SPOKEN WITH MANY SUPERVISOR AND HAVE EXPLAINED TO ALL OF THEM THAT I DIDNT APPLY NOR OBTAIN A AUTO LOAN WITH XXXX XXXX. IVE EXPLAINED TO THEM THAT MY IDENTIFY WAS STOLEN A ALMOST 2 WHOLE YEAR BEFORE THIS CAR WAS PURCHASED AND EVEN EMAILED AND FAXED OVER THE POLICE REPORT TO VALIDATE MY STATEMENT.THEY IMMEDIATELY APOLOGIZED AN SAID HOWEVER SINCE THE DEBT WAS SOLD TO COLLIN ASSET GROUP THAT I WOULD NEED TO CONTACT THEM .COLLIN DISREGARDED MY CONCERN AND SAID I STILL WOULD HAVE TO PAY THIS AUTO LAON THAT I DIDNT SIGN UP FOR NOR AUTHORIZED TO BE IN MY NAME. I THEN CALLED XXXX XXXX BACK AND THEY SAID THEY WONT REMOVE IT AND THAT I NEEDED TO PAY TO HAVE IT REMOVED. THAT IS AGAINST THE LAW AND THIS ACCOUNT WILL BE REMOVED. I DIDNT OPEN THIS ACCOUNT, IT IS FRAUDULENT AND I NEED IT REMOVED FROM ALL THREE OF MY CREDIT REPORTS AND RECEIVED ALL OF THE POINTS BACK THAT I LOST FROM THIS FRAUDULENT AUTO LOAN 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 2018-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I was recently contacted back in XX/XX/XXXX by a debt collection agency by the name of XXXX. The male representative was very adamant and convincing that this was my debt. He went on to tell me that failure to comply and make payments would result in me being sued and having my check garnished. I immediately got frightened. I'm a XXXX XXXX and live off my tips so the thought of my check being garnished had me alarmed especially when I just XXXX XXXX. The representative went on to say that I had a credit card through Bank of America and I owed them over {$1400.00}. Me not aware of what was being reported on my credit report at the time and not taking the time to realize that I never applied for a Bank of America credit card, I agreed to make a monthly payment every month towards the balance. I have currently still been making monthly payments up until last month. Just recently I contacted Bank of America something I should have been done and discovered that this account was a charged off account and that it was open in XX/XX/XXXX. I  am a victim of identity theft. I spoke with a representative from Bank of America and she informed me that there was no balance owed on this credit card account and that they did not sell this account to any debt collector agency. She said this account was past the 7 year mark and that I shouldn't had been making any payments. She said that there were no second or third party companies involved nor did they sell my account to a debt collection agency.

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 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: KY

Complaint narrative:
Roughly a couple of weeks ago XXXX ran a background check on me!

A man in Florida with the same name and birth day an month an year keeps turning up!

XXXX, FL. XX/XX/XXXX Case # XXXX

Company response to consumer: Closed with explanation