vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I am tired of XXXX trying to collect on a debt I Do Not owe. XXXX had sent an account to a debt buyer under the name XXXX  XXXX, I disputed this account immediately with the credit reporting bureaus in XX/XX/2018 as not mine. Around XX/XX/2018 I was notified that XXXX XXXX had reported on my reports and the original creditor was XXXX. I received a collection letter from Convergent claiming I owed the debt so I requested a Debt Validation and they Did Not validate the debt as mine nor did they supply me with the original contract with my name on it. They merely sent to me a bill print out. XXXX is ruining my credit and I am simply tired of having them re-selling this fraudulent debt to a third party debt collector after its removed from my credit reports. I have NO Knowledge of this debt and have never opened an account with XXXX and they are listing this fraudulent account as mine. I have since filed an Identity Theft report against this fraudulent account against XXXX and have included it in this complaint.

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 2018-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: La Casa Bonita Investments
State: OH

Complaint narrative:
Original complaint number : XXXX On XX/XX/2015, I contacted the number that was played on the radio regarding paying back Federal student loans that were income driven. I called the number and got set up. I was connected with an XXXX how gave me his direct number ( XXXX ) for further questions after I completed the documents. I paid the {$590.00} as suggested and a monthly service fee of {$39.00} for the duration until the amount was paid off. When I originally filed my complaint, I did not send those documents, because I could not find them. I was under the impression during the phone call that all monies would be going toward my loan and that large amount was to get it started. Later, I found it was a fee to pay to the 1File.org for setting me up to have my loans paid with lower payments. I also found that it was not legal to do so. 

Therefore, I am submitting the documents, once again, for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2018 I sent a letter to verify the validity of a collection account from an apartment complex I previously resided in on my Equifax/XXXX credit report. I called the original creditor to validate the claim and I sent a letter to Equifax/XXXX. The original creditor said my account information was archived and they did not have it at this moment but would contact me once those records were pulled. They never contacted me. I received a letter back from Equifax/XXXX saying they have verified the validity of the account but did not include such information with the response. Also, they have not sent me a copy of the information from the creditor to verify for myself. I have sent follow up letters subsequent to the XX/XX/XXXX request for this information and as of today XX/XX/2018 I have still not received any information from the creditor or Equifax/XXXX verifying that I owe this debt I am vehemently disputing. This is causing me terrible distress as I am willing to pay any debt that I owe but I am positive that I do NOT owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
We applied for a mortgage with Ally Bank and were approved to close on XX/XX/2018. 

A problem came up last minute where the city refused permission to repair the existing septic and required a city sewer hookup instead. The city was not able to provide dates where this could take place. 

1 ) Ally refused to close without the work being complete. Other lenders will proceed with a hold back of funds for the work. 
2 ) Ally refused to allow a new rate when the lock expired, instead instituted a {$340.00} fee every 5 days rate extension fee until the work was done. This is the equivalent of a blank check, which is not workable. 
3 ) Ally refused to release our appraisal which WE paid for up front so that we could use it for a mortgage company that was willing to close with a funding hold back. 

Ally gave us no options except an open ended and rapidly escalating fee. I feel our appraisal is being withheld out of spite as other financial institutions will transfer appraisals. The situation was not our doing, yet Ally gave us no option but to pay them thousands of dollars in extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
i made an electronic payment around XX/XX/XXXX, over 6 weeks ago, of about {$110.00} That payment was removed from my bank account and sent to Navient. I quickly noticed that the payment was never applied to my Navient account, so I started calling my bank and Navient to determine what was going on. After a group phone call between me, a representative from my bank, and a Navient representative it was determined that Navient had misplaced my payment, but my payment was sent to the right address. The representative then stated that the issue should definitely be resolved by my next due date at the latest. I then proceeded to call at a minimum once a week to keep tabs on the progress, and each week I was told something different by each representative, with none of them having any idea about my accounts situation whatsoever. Every representative after the initial one told me that my payment was sent to the wrong address and it would be relocated within the week, and they highly suggested that I use my forbearance until the issue is resolved. One representative even told me that she had expedited my request and that someone had to look at it the next day and that it would be addressed that weekend. I also reached out via email and 5 days after the original email I received a response that was completely useless and in no way answered my original question. My next loan payment was due last week, and I made the payment on time directly through Navient this time, but noticed that the first original payment still had not been applied to my account as promised by Navient. I also tried calling during their normal business hours and was given a runaround by their automated phone system three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was called on XX/XX/18 from a company going by the name " XXXX XXXX XXXX '' about an alleged overdraft amount of {$320.00} sent to them for collections from an old Wells Fargo account I had almost 10 years ago. They told me after fees the amount went up to {$580.00}. They followed that up with an offer to take off {$180.00} if I paid the remaining {$400.00} today. If I didn't then there would be legal action against me. It all began with someone calling me telling me important documents were waiting for me and they were quick and got me very nervous. It felt very sketchy. They rushed off after telling me to call XXXX regarding file # XXXX. I spoke with an " XXXX '' at that company and she told me that I had to pay. Her number is XXXX. Because it felt so odd I went to Wells Fargo to talk to them about this. The personal banker I spoke with spoke to someone and they told me that it looked like a scam. They said that they had no records of debt or anything sent to collections or any other 3rd party. Wells Fargo confirmed that I owe them no money.

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 2018-09-19 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: TX

Complaint narrative:
I personally contacted all three credit bureaus ( XXXX, XXXX  AND EXPERIAN ) starting in XX/XX/2018 regarding lots of excesive inquiries by auto dealerships and other collection accounts. I demanded by phone and in writing that all inquireries not associated with an active account be deleted/removed immediately from my report. I was told by each bureau that that would conduct their investigation and I would receive an updated report afterwards within 30 days. 

I received the reports in XX/XX/XXXX and XX/XX/2018, however no inquireries were deleted/removed from my report by all three bureaus. Their findings were for " permissible purposes by the creditors :. 

I called each month for four months and only Experian  has deleted inquireries and inaccuate account information from my file. While XXXX and XXXX insist that their reports are accurate and constantly direct me to call the creditors or provide them with " WRITTEN AUTHORIZATION '' in order to remove/delete inquireries. I mailed written demands to all three credit bureaus. ( see attached ) Please find my fair warning notice and request for deletinon/removal of all negative information from my accounts. 

XXXX XXXX XX/XX/2018 XXXX Certified Mail Return Receipt # s : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
For the fifth time : UPDATE : Re Chase Letter Dated XX/XX/2018 CFPB complaints XXXX, XXXX, XXXX, XXXX Attached is written authorization to speak with XXXX XXXX and XXXX XXXX. Chase representative previously entered the information on my account from me on the phone and stated this would allow future communication with XXXX and XXXX! 

Your letter regarding XXXX  XXXX XXXX unable to locate account is false. The routing number is used for all XXXX  XXXX XXXX wires. The account numbers are all valid active commercial accounts. These accounts are not mine. 

Your letter regarding XXXX XXXX XXXX customer advised not authorized, Chase failed to follow up to trace the source of the electronic payment just as Chase failed to follow up on the 3 XXXX  XXXX XXXX electronic payments to track down the scammer. 

I am in receipt of the action letters Chase dated XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 included with your correspondence XX/XX/2018. I have not previously seen nor received these letters. Again, the Notices and Letters on my account show no notices were ever sent! 
Attached is the current Notices and Letters screen shot as of XX/XX/2018 verifying no notices have ever been sent. 

The first action letter from Chase states ; Weve canceled any future electronic payments. Yet Chase failed to cancel future electronic payments. Two of the electronic payments were from the same account at XXXX  XXXX XXXX. 

Further Chase states in the XX/XX/2018 letter ; we reviewed the calls regarding the returned payments. The statements in the paragraph are incomplete and inaccurate. 

Please provide ALL phone conversations in electronic format and in written transcript with me whether initiated by me, by someone else, or by Chase, regarding my account including XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as stated in your letter. 

Remit the balance due me and reverse the scammer transactions per the attached worksheet. Please close the account permanently with XXXX balance. 

Attachments : Privacy Release Authorization Notices and Letters XX/XX/2018 Chase Credit Card Complaint Detail IRS Employment related Identity Theft Notice CC : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: TX

Complaint narrative:
I was going over my credit report and I discovered that someone has taken out a XXXX XXXX / XXXX # XXXX. I have never been late on any of my accounts EVER! I have never done any business with XXXX XXXX / XXXX  nor do I have any contracts with them this is a fraudulent account. Someone ran up a account and never paid the bill in my name. I was moving back and forth from XXXX to XXXX and it may be possible I was compromised between the two cities. I Have filed a report with the CFPB and FTC. I have some old address that are not mine showing on my credit report as well XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19 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: TX

Complaint narrative:
I was going over my credit report and I discovered that someone has taken out a XXXX XXXX / XXXX # XXXX. I have never been late on any of my accounts EVER! I have never done any business with XXXX XXXX / XXXX  nor do I have any contracts with them this is a fraudulent account. Someone ran up a account and never paid the bill in my name. I was moving back and forth from XXXX to XXXX and it may be possible I was compromised between the two cities. I Have filed a report with the CFPB and FTC. I have some old address that are not mine showing on my credit report as well XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX 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 2018-09-19 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: TN

Complaint narrative:
In XX/XX/2018, I checked my credit using the XXXX XXXX App. I noticed that my score with Transunion had plunged more than 50 points,  while the other bureaus did not. After looking into why, I discovered that Transunion was reporting that I was more than 30 days late on a loan payment from XX/XX/2018. I have never been late in payments with the creditor they were reporting the payment was late on. I contacted the creditor and was told they do not show any late payments on my account, and that they do not even report to Transunion, but to XXXX when a payment is late. I then opened a dispute with Transunion to investigate and contact the creditor. After two weeks the investigation was complete and the damage to my score was reversed after finding the payment was not late. The next month, XX/XX/2018, once again my credit has dropped more than 50 points and is showing the same incorrect late payment as last month. I also have a co-borrow on this loan and this problem is also damaging their credit. I have contacted the creditor to give them information regarding the repeated hit to my credit. Once again I was told I do not have any late payments showing, but to dispute it once again through Transunion to remedy the problem. I am concerned how Transunion can report incorrect information from a creditor that does not report directly to them. If my credit reports are side by side from all bureaus, Transunion is the one that reports my payment history incorrectly. They are also showing the creditor 's name incorrectly. The creditor was bought out 11 years ago. The creditor information does not even match-the XXXX XXXX , telephone number, etc.How can this bureau constantly report incorrect information that they are not even privy to?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have spoke to Wells Fargo several times regarding the escrow account they have for me. My first mortgage pays my escrow acct and they will not remove the escrow from my account and I received another bill today saying my mortgage will be increased due to the escrow.

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 2018-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This fake agency claiming to be a collection agency. Theyre telling me I owed money to XXXX XXXX XXXX and they keep reporting to credit bureau. There are many complaints against Credence Resource Management and XXXX   supposedly had nothing to do with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have money being illegally garnished from my account for a credit card that was paid off in full. XXXX XXXX XXXX is currently garnishing my wages over a credit card that was paid off in full in XX/XX/XXXX. I have copies of the checks stating the amount had been paid in full.They have been taking over {$110.00} and sometimes more from my account since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
12 years ago, I opened a student bank account with my mother and father. 7 years ago, I found out that they had judgments against them ; therefore, I went to my local branch, told them my problem, and was told that by changing my account that their names would be taken off of it, and I would not have their problems follow me. XX/XX/2018, I look at my bank account, and find out that it has been garnished. I call Bank of America,  and they tell me that my parents names are on my account. I try to ask for more information about this - given the statement about 7 years ago -, but the only thing I've been given is a number for XXXX. XXXX is extremely unhelpful in giving any information to either my mother or father about the garnishment, and their only motive is collecting on whatever debts they have. I've tried contacting Bank of America several times to  learn more about this garnishment, but each time, an associate refuses to give me any information. I get another account with Bank of America so that I can try to protect any future money ; however, I just received a letter in the mail saying that I'm going to be charged a processing fee of {$500.00} due to this garnishment, which I am not allowed to know anything about. I call Bank of America again today, and ask them if Bank of America is going to seize my new account to pay this. I find out that yes my new bank account can be seized for this secret garnishment, and any future bank accounts I get with whichever bank can be seized by my parents ' creditors due to a law called " right to settle '' which now forever ties me to this garnishment of my account. 

Bank of America has acted negligently with me as their customer by not ending my account 7 years ago when I had asked them to, and thus placed me in danger. Now while I'm trying to speak with them more to try to understand the danger that they've placed me in, they are refusing to help me in any way.

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 2018-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I mobile deposited a check on XX/XX/18 for a large amount ( {$6900.00} ) for a project/job I did. I expected there to be a hold on my funds for at most a week from Citizen 's Bank. I received a letter stating there would be a longer hold than usual. I thought, well this seems fair. They want to make sure it doesn't bounce or get returned. On XX/XX/18 I received another letter from Citizen 's Bank ( see attached ) stating that they are extending the hold of the deposit until XX/XX/18. It also stated that I would not be able to use or withdraw any of my funds from the account until then as well. What I wasn't aware of is that I also have no access to online or mobile banking. I can't even make deposits to the account or cash checks at the local branch. They totally cut me off. Because I wasn't expecting all of this ( the check has cleared and hasn't returned yet and shouldn't ) my account is now in the negative I believe. I receive checks often and now I have to pay rather large fees to cash them at check cashing places and also on mobile apps as well. I've called and asked to have online access restored but was denied.

Company response to consumer: Closed with explanation