vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group
State: NJ

Complaint narrative:
Dear Mr. or Ms. ; The debt charged to me was nefarious. 

When I called 911 in the evening of XX/XX/XXXX, 2 ambulances were sent and the company that *did not* take me to the hospital ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX followed the XX/XX/XXXX XX/XX/XXXXXXXX Ambulance ( and then got me to sign a paper in my catastrophic state at the time ). 

XXXX then sent the bill to the XXXX XXXX XXXX XXXX ( who refused to pay it ) and then me a bill ( {$790.00} ) for  transporting me to the hospital. 

Again, XXXX XXXX XXXX XXXX took me to the hospital, not TEMS, they should have left when the XXXX XXXX XXXX XXXX arrived. I'm sure they know that no one should have to face two ambulance bills for one ride to the hospital.

I wrote letters to the VA and XXXX trying to find out the facts of why this bill was not paid and why. XX/XX/XXXX then sent my bill toXX/XX/XXXX who made my sterling credit fall nearly 100 points due to the double ambulance bill. 

Sincerely~

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: VI

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Primary complaint is that Wells Fargo Mortgage Agent XXXX XXXX ( ID XXXX ) requested that I sign a knowingly false document to  continue my loan application. 

Working on a mortgage refinance starting at the beginning of XXXX. Had already had a number of minor problems in the process. On XX/XX/2020, XXXX sent a XXXX XXXX with the wrong number of years and interest rate ( sent 30 year at 3.625 rather than a 15 year at 2.75, which is what we had discussed. ) When I notified him of the problem, XXXX requested that I sign the contract anyway so that a " new '' contract could be issued. 

I specifically asked if XXXX was requesting me " to sign paperwork that you know is incorrect. '' He responded yes. See emails from XX/XX/2020 - attached. 

I refused to sign the paperwork and contacted XXXX 's supervisor, XXXX XXXX, who generated a review by XXXX XXXX, Case Specialist, Home Lending Executive Office, ( XXXX, extension XXXX ). 

Ms. XXXX sent a letter dated XX/XX/2020, stating, " While researching this concern, we found that the initial disclosures were issued with incorrect information. We made needed updates to your application ; however, our system would not allow us to send updated disclosures to you, until you acknowledged the initial disclosures. '' This is similar to the statement made by XXXX XXXX, and I still find it highly suspicious. Wells Fargo requested that I sign a knowingly incorrect contract that " acknowledge the initial disclosures, '' which were wrong and would potentially have made me contractual obligated to the wrong number of years and interest rate. 

I consider Wells Fargo 's actions fraud, and consider their review as a dismissal.

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 2020-09-09 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
XXXX XXXX XXXX & XXXX is reporting a late on my credit report for XX/XX/2020 and XXXX. I was not late. Due to unforeseen circumstances surrounding the pandemic of COVID19 &  being Quarantined since XX/XX/2020 and I have been severely impacted.. I tried to call in several times and the hold times are hours. I thought my payment went through and I have had an account with you since XXXX I have never been late. This was not my error. Can you please remove this late payment? You also closed my account after all this time for one late payment? It is very disappointing that you guys would do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I closed both my checking and saving accounts with XXXX XXXX  on XXXX XX/XX/2020 because of their poor costumer service. For some reason XXXX XXXX  kept my {$10.00} a month electronic transfer from my checking account to my savings account in place. I received a collections letter today, XXXX XX/XX/2020. XXXX  sent my checking account to collections for {$59.00} because they stated there were insufficient funds to cover the monthly {$10.00} transfers to my savings account. My saving account no longer exists. No one at the time I closed the accounts stated I have to stop the monthly electronic transfers. My question is why am I paying {$59.00} dollars to cover transfers from a checking account which no longer exists to a saving account which no longer exists?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
ON XX/XX/XXXX I was fraudulently charged on my Fidelity Visa for {$510.00} by the XXXX XXXX. I reported it to visa and they gave me a credit on XXXX for {$510.00}. Then on XX/XX/XXXX I was charged again {$510.00} by the XXXX XXXX. I have never done business with the XXXX XXXX   and I have been trying unsuccessfully for the last 5 months to get this resolved. I just got off the phone and it was my 5th call ... they say that a manager will call me within 48 hours but they never do. I just want a credit for the {$510.00} fraudulently charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09 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: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/20 I called and requested my full disclosure consumer file from LexisNexis. My identity was verified and my report was mailed. On XX/XX/20, I sent in proof of identity ( copy of ID and social security card ) and correspondence requesting removal of bankruptcy, ALL old addresses ( and email addresses ) and requested to update my new address ( case number XXXX ). During this time, I mailed a letter to the US Bankruptcy Court and I received mailed correspondence dated XX/XX/20 stating they don't validate or verify bankruptcies or public records for LexisNexis or any other 3rd party companies. On XX/XX/20 I called in to request a security freeze on my consumer report, I verified my identity, and a PIN was created and mailed to me. On XX/XX/20 I emailed LexisNexis the letter from the US Bankruptcy Court and I requested the bankruptcy to be removed due to inaccurate reporting. On XX/XX/20 I spoke with XXXX and stated the 30-day statute ( from XX/XX/20 ) had passed regarding my dispute to remove inaccurate information. XXXX goes on to say that my identity couldn't be verified and that was the reason nothing was mailed. Any time I send correspondence, I always include a copy of my ID and social security card. Now all of a sudden, my identity cant be verified. In that recorded conversation, I requested yet another investigation for the proof of method of verification of the bankruptcy from my file ( case number XXXX ). Again, I didn't receive anything after the 30-day statute, so I sent another email on XX/XX/20. This time I received response via email stating to call LexisNexis. I called on XX/XX/20 and spoke with XXXX and he told me my identity could not be verified so that's why nothing was mailed. Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to  contain only the last 4 digits of the individual 's social security number or tax identification number. FRCA 611 ( a ) ( 1 ) ( A ) was violated in each instance, therefore I request that this public record be removed from my report and an updated report be mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: VI

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-09 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: VI

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-09 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: NY

Complaint narrative:
Today XX/XX/20 I am uploading additional information in regards to my XXXX XXXX XXXX  card. I received this letter yesterday its confirming that this account is NOT reporting to the 3 credit reporting agencys. I have requested several times to please REPORT this account. I have a XXXX balance now with a {$4800.00} credit line having this information report would help my credit score significantly.

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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Today XX/XX/20 I am uploading additional information in regards to my XXXX XXXX XXXX card. I received this letter yesterday its confirming that this account is NOT reporting to the 3 credit reporting agencys. I have requested several times to please REPORT this account. I have a XXXX balance now with a {$4800.00} credit line having this information report would help my credit score significantly.

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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX I sent a letter to all three bureaus reporting inaccurate and unknown things on my credit report but to this day nearly two months later I have not received a response yet. I was told maybe you can help me. It's three different bureaus and the fact that none of them even took the time to respond to me makes me feel like I'm being taken advantage of and basically ignored. Section 511 ( a ) plainly  states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It's currently XXXX so I ask that they please go ahead and delete those items. I demand these accounts be deleted immediately or I will file for litigation due to the blatant neglect you all have shown me. My information was also impacted by the XXXX data beach which caused some of my information to possibly get into the wrong hands. So this current neglect is only adding fuel to the fire. Please remove these items immediately

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 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: KEYCORP
State: NY

Complaint narrative:
Yesterday when I was looking at my account it was no pending transactions. I had a balance of {$110.00} and available credit of XXXX. I made a payment of {$110.00} towards my balance at Keybank in XXXX XXXX NY. Then when I looked at my account my balance and available credit was changed only a little. I went back into the bank to see what was going on and they told me it takes 24 hours  to post to my account. I looked at my account today and it said I owe another {$220.00}. I went into the bank & they told me that maybe I made another transaction between yesterday and today when I know I didn't. 
I just looked at my account and now im seeing repeated transactions ( that I already made earlier this month ) saying it was posted yesterday. I know it was posted before then because I check my account every single day more than once a day. And the money was already took out of my account and credit for. 

I first got the secured credit card with a deposit of {$300.00}. I just paid {$110.00} yesterday now they're telling me I owe another {$220.00}. I dont know what type of scam they got going on but they're really the worst and I refuse to pay more than what I originally put on the card. I didnt have no late payments or anything. Actually I paid earlier than the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
-JPMCB Card # XXXX & XXXX is reporting a late on my credit report for XX/XX/2020 XX/XX/2020 XXXX I was not late. Due to unforeseen circumstances surrounding the pandemic of COVID19 &  being Quarantined since XX/XX/2020 and I have been severely impacted.. I tried to call in several times and the hold times are hours. I thought my payment went through and I have had an account with you since XXXX I have never been late. This was not my error. Can you please remove this late payment? You also closed my account after all this time for one late payment? It is very disappointing that you guys would do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
For last 80 days I have been trying to close my second home mortgage with SunTrust bank aka Truist, through out the process the Suntrust team was not able to keep up with regular updates on my application, finally I have given up on my refinancing application with them. The company has had a lot of internal system integration issues that has caused the delays but in this process they have charged me {$1100.00} as deposit for processing my application which the company is now refusing to refund. A simple task like completing appraisal took them 2+ weeks to contact with me as they had no proper channels of communication. I feel that because I am existing customer with the bank I was not offered fair lending terms, charges too many points for the same mortgage. 

Application process start - XXXX was offered lock on rate for 90 days with $ XXXX as estimates value ~75 % loan to Equity ratio my appraisal came @ XXXX, original loan application was just under my name. I was encouraged to add my wife a co-borrower once I did that the cost for loan changed dramatically + $ XXXX. Why was this required? my personal income to debt ratio can easily support the necessary refinance but my loan officer asked to me add my wife as co-borrower who has lower credit score than me. My credit scorXXXX ( XXXX ) my wife 's score is ( {$690.00} - XXXX ). I was offered 1 point discount before then all that was changed as we now had my wife on the application who has lower credit score. 

My issue - Unfair lending practices. 
- Misleading customer about discounts, fees and points my cost for loan changed dramatically and now I was locked into it after my rate was locked they updated the disclosures. 

Loan Officer - XXXX XXXX, XXXX XXXX Mortgage Loan Officer XXXX SunTrust now Truist XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX Office ( XXXX ) XXXX | Toll Free ( XXXX ) XXXX ext. XXXX | Fax XXXX Mail XXXX XXXX Processing contact XXXX XXXX Mortgage Loan Processor, XXXX Campus | SunTrust now Truist XXXX XXXX XXXX XXXX 

XXXX, FL XXXX XXXX : XXXX Fax : 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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK
State: MO

Complaint narrative:
In 2018 we couldnt keep up with credit card interest and contacted Freedom Debt Relief speaking with XXXX XXXX. I asked before I signed up what would happen if I became unemployed again which is the reason I needed their services. Construction was bad and I fell into debt supporting my family. XXXX said if I lost my job I would just stop paying and pick up where I left no charge. First they settled with XXXX which was about $ XXXX and began settling with other smaller creditors until told them to slow down because my original $ XXXX monthly payment soon became almost {$1200.00}. I was fortunate to work incredible overtime to barely keep up last year. I was sued by XXXX XXXX XXXX, XXXX, and XXXX XXXX  and FDR provides attorney XXXX XXXX from XXXX who didnt reduce my debt I ended up with payments that increase in time that I have no idea how I will pay them when they go up. This year construction started out slow and then Covid19 hit so since the end of XXXX I have only worked a few weeks. Our savings was disappearing so I asked FDR to ask my creditors for Covid19 relief which they did not do so I called XXXX myself. XXXX said since they sued me they only speak to XXXX XXXX that called me minutes later. He was able to get me a 2 month break but now XXXX XXXX XXXX wants past due in full even though I wasnt working. I asked FDR customer service to stop withdrawing from my checking account and they continued until I threatened them with the XXXX because I was advised to do this by XXXX XXXX whom they appointed. FDR still has never spoken to XXXX XXXX about Covid19 relief and now I am lucky to work part time and am trying to pay FDR even though it might lead me to bankruptcy. XXXX XXXX is the last FDR Representative that I tried to communicate with. FDR costumer service is terrible. I feel like I am set up for failure after being promised they would work with me if unemployment was an issue.

Company response to consumer: Closed with explanation