vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo offered the ability to withdraw mortgage payments on days I choose. I chose to remove half the payment on one  paycheck day and the other half on the other pay day.. I get paid twice  a month ... I sent the letter in and left the account servicing to Wells Fargo which did not happen. They removed half the payment on the XXXX of the month and then stopped ... the other day was supposed to be the XXXX.. however the account was not paid in full by the XXXX so they didn't remove the next half. I was overseas and didn't have the ability to check my account daily. in addition the phone number that Wells Fargo had as my primary was in error. they had the correct number but never tried it. they kept trying to use the wrong number ... I was never aware that the auto debit withdrawal program I was on with Wells Fargo was not working correctly. I didn't know when they received the letter and had no idea how they were going to make sure the mortgage payment was to be managed ... it is taken out normally on the XXXX of every month in one lump sum.. however as I mentioned previously they offered the ability to have it taken out to coincide with days more beneficial to my own personal finances. I explained in numerous complaints that they service my escrow account for my mortgage by paying property taxes and homeowners insurance on time and in the correct amount so why is it that they cant figure out how to auto withdrawal my mortgage correctly? no warnings nothing to let me know the account was going to be 30  days late. they refuse to remove that credit hit costing me about 55 points or more.

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 2020-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am writing this due to non-compliance with FAIR COLLECTIONS & OUTSOURCING. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.

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 2020-04-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has continued to give me the run around. I've submitted another complaint regarding a fraudulent personal loan that was opened under my name and social. The address and signature doesn't match. Not only has Wells Fargo dropped the ball the continue to not be responsive or don't return calls. 

I spoke to the Executive office to file a complaint and was told that I would receive a resolution by XX/XX/2020. I never got my issues resolved and continue to be mistreated and discriminated upon. This account is vastly affecting my credit and livelihood. 

Wells Fargo also contradicts its self by sending me a settlement check for the fraudulent accounts being open under my name from its bank but has refused to remove the fraudulent account from my credit reports. If this matter isn't resolved in the next 10 days I will file legal complaint in federal court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I founding fraudulent account on my credit record some one used my information and opened the accounts I listed.

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 2020-04-08 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: CA

Complaint narrative:
I founding fraudulent account on my credit record some one used my information and opened the accounts I listed.

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 2020-04-08 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: CA

Complaint narrative:
I founding fraudulent account on my credit record some one used my information and opened the accounts I listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
{$4100.00} Original creditor : OPENED in XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Reported in BK XXXX XX/XX/XXXX Sold twiced opened in XXXX after being BK XXXX was filed and dispmissed.. Continues to bring my credit scores down.. Disputed in XXXX and No respond Overview You've paid off 0 % of your collection amount. 
Balance {$4100.00} Highest Balance {$4100.00} Opened XX/XX/XXXX ( 2 yrs, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Dismissed Original Creditor Name XXXX XXXX XXXX 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 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On the Consumer Financial Protection Bureau web site, at : https : //www.consumerfinance.gov/about-us/blog/guide-coronavirus-mortgage-relief-options/, it clear states : " If your mortgage is a federally backed mortgage, you have two mortgage relief options under the CARES Act : '' and 1 ) " ... if you experience financial hardship due to the coronavirus pandemic, you have a RIGHT TO REQUEST A FORBEARANCE FOR UP TO 180 DAYS. '' CHASE BANK is the service provider for my XXXX XXXX XXXX, and THEY ARE NOT FOLLOWING the guidelines as stated by CARES Act or the CFPB site info above. 

1 ) Chase is NOT giving a 180-day forbearance, but only a 90-day forbearance. Please see this link : https : //www.chase.com/digital/resources/coronavirus/mortgage Click to expand the section, 'My income is impacted by COVID-19. What can I do to get help with my mortgage payment? ' There it clearly states, 'Sign in here to request this 3-MONTH protection. ' ( NOT 180 days ) There is ZERO information about how long a forbearance request approval will take, how the missed payments must be repaid, and the Chase home page advises customers not to call as they have limited hours now and too many calls. The lack of information is unfair to borrowers. 

There should be ONE SET OF GUIDELINES for COVID-19-related forbearance, for ALL SERVICERS, instead of asking millions of borrowers to find answers through banks that failed during the Great Recession and are failing now, to respond timely, to comply with the law ( asking for info that is NOT required for COVID19 forbearance ), and unable to answer the phone. 

This process is being made complicated by Chase, and needs to be addressed by XXXX XXXX, HUD, CFPB, and FHFA to avoid millions of persons having their credit adversely effected and unable to resume good standing. I DESERVE TO KNOW HOW I WILL BE EXPECTED TO REPAY THIS. Placing payments at the end of the loan, automatically, which reduce the stress and diress MILLIONS like myself are facing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My Old Navy credit card, issued by Synchrony Bank, was set to expire XX/XX/2022. I have a perfect payment history with Synchrony Bank, and a 100 % payment history on my credit report. Synchrony Bank closed the account without warning me, and could not provide a valid reason for doing so. I did not receive any letters or warnings. My credit before they closed the account was better than it was when I applied for the card. They should not have approved me if they were going to later close the card, as that hurt my credit score more than never having the card in the first place, and is now affecting my ability to look for apartments. I had my credit in a good place, and had a plan to get it in an even better place - a plan that's now been ruined by them closing the card and decreasing my available credit. The fact that they did this during a global pandemic is even more egregious. Because my credit was better now than it was originally, I suspect discrimination based on my name, among other things, was involved in the decision.

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 2020-04-08 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: LDF Holdings, LLC
State: AZ

Complaint narrative:
I got a call on XX/XX/2020 from a person claiming to be with Lendgreen. I do not recall ever doing business with this company. They appear to be an online tribal lender trying to do business in Arizona in violation of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: Delta Outsource Group, Inc.
State: MS

Complaint narrative:
The collectors refuse to remove account from my credit report. The amount of {$300.00} dollars owed to XXXX  XXXX XXXX  for the {$300.00} dollar line of credit was paid in full to XXXX XXXX ( name of creditor on credit report at the time of payment ) who sold information to XXXX XXXX ( who is now appearing as creditor on credit report ). I could not pay XXXX  XXXX ( original debtor ) directly because the account and personal information was sold to XXXX, to XXXX XXXX, back to XXXX XXXX, to XXXX XXXX and now Delta Outsource Group ( as of XX/XX/2020 ). XXXX is notorious for false collection practices like sending court documents to previous addresses so the DEFENDANT IS A NO SHOW IN COURT AND THEY VIOLATE THE STATUTE OF LIMITATIONS LAW. XXXX and XXXX XXXX are the only creditors currently showing negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Dear agency I am very frustrated to see a business is functioned in this country so unethical and fraudulent. I am seeking your consumer 's authority to help me resolve that issue with Acima Credit FKA. 
In XX/XX/2018, I went shopping for some appliances, the store manager has informed me about the great easy financing program that is available for the customers. I certainly read the terms and agreement of contract. The agreement, I allow them to withdraw x amount of money in my account every two weeks for 3 months, within 3 months I should pay in full at the end of the 3 months I called they granted me an extension for 10 days i paid XXXX XXXX for the extension. According to the agreement once I paid the appliances in full after the extension I owed {$00.00} I was done with you. 
I called the customer service the day for the deadline to pay off the bill, while I was giving them my debit card information they hung up on me. I persisted to call back many times until I got through. I gave the representative my card information to pay off the amount due. After a long wait on the phone, he told me : the card has declined. I replied to him, I said did you have the right number? He said, I told him impossible, at that time I was with my girlfriend I asked my friend to call my husband for me in another line to take his card. The representative told me same thing the card has declined. 
I went and hung up with him, and I called my husband to explain the situation. My husband immediately contacted both banks where they issued the debit cards. They have informed him NO ONE have atempted to withdraw no money at that time. I went again called ACIMA to explain to them that the banks said they no one has contacted them regarding my account. They finally took my card information and told the card went through. I made sure the bill was taken care off. Two months later, they went back to my account to withdraw payments. They took five payments, with your help and my bank they stop and refund the payments. Surprisingly, I just discovered they sent me on collection bureau. 
I think this is unfair and deceptive for a legal business to behave that way. Also, it is a violation under Fair Credit Reporting Act for a creditor to report the WRONG information on consumers. And they have committed an act very malicious and fraudulent, they know for fact I don't owe them any money that's the reason they didn't sell the account with debts collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: NY

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX I was looking at my credit report and noticed inaccurate information. 

Derogatory marks XX/XX/XXXX it says XXXX XXXX  XXXX {$130.00} Is owed. I had called this company many times in the past as this was all taken care of and there customer service reps had said they would remove from file. For some odd reason It is still on there. But was taken of. There was additional fee 's than it was fraud and never authorized by me. 

Inquiries XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX ( both companies I had called as neither company had I signed anything or applied for anything and to the best of my knowledge was fraud and unauthorized by me. Both companies agreed to remove from my file but for some reason still there. 

I have attached the false inquiries picture on here so you guys can see it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX I was looking at my credit report and noticed inaccurate information. 

Derogatory marks XX/XX/XXXX it says XXXX XXXX  XXXX {$130.00} Is owed. I had called this company many times in the past as this was all taken care of and there customer service reps had said they would remove from file. For some odd reason It is still on there. But was taken of. There was additional fee 's than it was fraud and never authorized by me. 

Inquiries XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX ( both companies I had called as neither company had I signed anything or applied for anything and to the best of my knowledge was fraud and unauthorized by me. Both companies agreed to remove from my file but for some reason still there. 

I have attached the false inquiries picture on here so you guys can see it

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 2020-04-08 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: Alorica Inc.
State: VA

Complaint narrative:
XX/XX/2019 I got approved for a loan with XXXX. XX/XX/XXXX a payment was supposed to be paid to XXXX but I got an email from SST saying they now own the loan and I must go on their website to set up autopay. I was in the middle of driving cross country because I was XXXX  ( XXXX XXXX ) so I told them when I got settled I would. When I got settled I set it up but there was no XXXX XXXX in my area so my direct deposit was sent to XXXX XXXX XXXX XXXX. I tried to set up payment before then to come out XXXX XXXX but they said if you late you can not do autopay or if payment is returned. Each month I went online to send payment but they still kept saying I was late. I finally talked to a decent Supervisor in XXXX who told me that XX/XX/XXXX I owed for XXXX so I was always behind one month and thats why it was 30 days behind and some auto pay set ups did not come out even though I did it online. She took of XXXX of late payment. XXXX $ for each month which was XXXX. So she told me pay XXXX $ for late fees, XXXX, XXXX and XXXX payment, plus XXXX $ fee for 1 month extension and that would be 6 payments so they could set me up for a 1 month extension so that I would be caught up. Then she would make sure after that starting XX/XX/XXXX my auto pay would remain in effect and I wouldn't have to call again or be harrassed by them. 3 days later they were blowing up my phone saying I was 60 days behind and said they had no recollection of my conversation with supervisor. They then reported to the credut bureau I was 120 days late. So I told them stop harrassing me. Everyday they call over 10 times. XX/XX/XXXX a partial payment came out and I do not know why the full payment did not come out and they still reporting I have not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I am a retired XXXX year old U.S. Military Veteran who has a XXXX XXXX. Today, XX/XX/XXXX, I found out through my bank XXXX XXXX that my FICO credit score has plummeted 52 points down to XXXX from my previous month of XXXX score of XXXX. I immediately went to XXXXXXXX where i have a free account in order to find out what happened to my excellent credit. I found out that there is a report of Late Payment from THE SWISS COLONY,  an online food store. I've had an account with them since my first order dated XX/XX/XXXX. Since then, I've been a good loyal customer and I've ordered many of their products every year until this XX/XX/XXXX. I still have all the copies of my annual orders from this company in my email folder. On XX/XX/XXXX I received a letter from this company, dated XXXX XXXX, XXXX, that my " account is past due and please pay {$10.00} immediately to bring account current ''. I felt very badly embarrassed and ashamed of myself for forgetting to pay this bill and I immediately went online and paid the total blance of {$54.00} which was the total amount balance shown online. The letter they sent me differed a little bit because it showed Account Balance {$43.00} plus Past Due Amount {$10.00}.

About 3 - 4 days later I received another bill which showed that the due date was XX/XX/XXXX. I've already paid the total balance as I mentioned on XX/XX/XXXX. 
My complaint is that this conmpany did not honor their payment due date XX/XX/XXXX as shown on their bill/invoice. As i mentioned, I paid the entire balance XX/XX/XXXX. They didn't even give me the courtesy of notifying me that they will report me to the credit bureaus. Now, I have a Late Payment report in my credit report which stays for 7 years. 
I worked very hard over many years to have an excellent credit record. I pay all my bills on time and I have records to prove this. Please help me to be able to recover my excellent credit record. I would like to pass from this life without the stigma of Late Payment which will remain in my credit report for 7 years. 

Sincerely yours, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Veteran, Retired P.S.

I have attached relevant documents including my email letter to The Swiss Colony Company dated XX/XX/XXXX in which I apologize for a late payment and asking for help to set up an automatic payment from my bank XXXX XXXX or my XXXX XXXX credit card because of my memory problem as a proof of my good intentions. 
.

Company response to consumer: Closed with explanation