vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have promptly reported a slew of unauthorized charges to Wells Fargos in early XXXX.These charges dated from early XXXX to Mid XXXX. I have also not used this particular card in months. 

Fast forward in XXXX I made a follow-up call to Wells Fargos Credit Card Claims Department and it turns out they have denied my fraud claim because I have filed " too many '' disputes. This is absolutely ridiculous and I have since made an appeal along with filing a police report. Wells Fargos did make any effort to protect me as the consumer in this case. Below are the charges in question. 
Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX # XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX XXXX XXXX  Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX  Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX XXXX Amount of Transaction : XXXX Card Number XXXX XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team

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 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
This is company is trying to collect money that i never owned i sent them a letter few times asking validation never responded also spoke their customer services and still asking to give me a validation letter and i never got any answer from them. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Amount {$650.00} Account number XXXX WAYPOINT RESOURCE GR Original creditor : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequoia Financial Services
State: CA

Complaint narrative:
Debt Collector is has violated my HIPPA right, has been increasing interest 2 per month sin I have started this validation of debt and re-aging the account with new alleged amount own. provided billing record for medical treatment I have received with with my HIPPA authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
I was overcharged for my student loan payoff. 

On my payoff date ( XX/XX/2020 ) I confirmed via Navient 's web chat the final payoff amount. I then made the payment in that amount ( paying more than listed on the site was not possible, as a validation error appeared if I set even 1 cent higher than the amount confirmed by the agent in live chat ). Then I made the payment that should have been my final student loan payment ever and kept the confirmation number : Payment Confirmation # : XXXX Days later, after the payment finished processing, a balance remained in my account. I paid the remaining balance ( Payment Confirmation # : XXXX ) and reached out to Navient via email to figure out what happened. The email response I received admitted it was Navient 's mistake on XX/XX/2020. 

I then requested a refund for the overcharged amount. The email response I received on XX/XX/2020 denied it was Navient 's mistake and refused to refund me. 

I have all these transcripts and messages available to submit as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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:
I was looking through my XXXX XXXX account I have noticed there is some fraud and stuff i never authorized such as XXXX  XXXX XXXX XX/XX/2019, XXXX XX/XX/2019 on XXXX. This is all inaccurate information. 


Also on Equifax I am being hit with hard pulls that you I never authorized. This is also fraud on the following pulls XXXX XX/XX/2019 & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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:
I was looking through my XXXX XXXX account I have noticed there is some fraud and stuff i never authorized such as XXXX  XXXX XXXX XX/XX/2019, XXXX XX/XX/2019 on XXXX. This is all inaccurate information. 


Also on XXXX  I am being hit with hard pulls that you I never authorized. This is also fraud on the following pulls XXXX XX/XX/2019 & 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 2020-02-12 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: MT

Complaint narrative:
RE : CFPB Complaint # XXXX-XXXX  Experian failed to read the letter attached to the complaint which detailed multiple legal issues regarding the erroneous US Department of Education entries on my credit report. According to their response dated XX/XX/XXXX via Experian report # XXXX, they only addressed a fraudulent collection account which had apparently been removed from my credit report by the time they finally received CFPB Complaint # XXXX-XXXX. 

Consequently, their response was incomplete and has, once again, failed to address all of the dispute issues within the 30 days originally provided to them by me in late XXXX. Exactly how many " chances '' do they receive before they are sanctioned for continuing to violate FCRA and other laws? 

Who had contact with US Department of Education in XX/XX/XXXX I had no such contact with them so they are violating FCRA by posting that as a status date in addition to the fact that both US Department of Education and Experian have repeatedly failed to provide me with any of the legally required evidence proving that those debts belong to me - which they do not. Again, all in direct violation of FCRA and other governing laws. 

It is very important to note the attached XX/XX/XXXX letter about this issue that I sent via USPS Certified mail to Experian which they 100 % failed to answer whatsoever - yet another third-party witness verification - USPS Certified mail delivery confirmation is considered sworn testimony - of their repeated failures to respond within 30 days as prescribed by FCRA and other governing laws. 

I am attaching all available USPS Certified Return receipts from my correspondence directly with Experian in XXXX as well as my recent letters addressed to CFPB about this still-unresolved non-response about the erroneous US Department of Education credit report entries.

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 2020-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
Have applied for remediation. documented information required by underwriters. No response for over 60 days. Threats to foreclose on property

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: VA

Complaint narrative:
Transunion reported an account that did not belong to me-XXXX XXXX XXXX and caused my score to drop dramatically-79 points!! I had no knowledge of that account. It did not belong to be. Also, had 2 different credit files for me attached to my social security number. One with an incorrect DOB XX/XX/XXXX and another with my correct dob XX/XX/XXXX. Also, numerous incorrect phone numbers, addresses and incorrect names on my report

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 2020-02-12 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: Citizens Savings & Loan Corporation, Chattanooga, TN Branch
State: TN

Complaint narrative:
Citizens savings and loan has pulled hard inquiries on my credit report without my consent 6 times since XX/XX/XXXX to XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: FL

Complaint narrative:
credit bureau systems have attempted repeatedly to collect a debt that is not owed as a result of my x wife using my personal information to obtain anything possible she able to. the original creditor was XXXX XXXX   and have been no help in trying to resolve the issue. credit bureau systems have called me multiple times from different numbers and even blocked numbers. XXXX XXXX has refused requests for evidence relating too this account and claims it was a phone order and my name was given.

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 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019, my check account had a cash withdrawal of amount {$350.00} at California XXXX XXXX Bank of America Branch. However, my wife and I, who are the only authorized user of this account, are travelling outside California the entire week. There is no way we could make this cash withdrawal. 

Bank of America said they have investigated this issue, but denied my claim. They said signature is consistent and they have account owner 's identification. This is not possible since my wife and I are both not in California during that week.

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 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2020-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: ID

Complaint narrative:
The company is Capital Accounts. Very unprofessional company keeps hanging up on me every time I call now instead of discussing this debt with me. This company will not give me a explanation of the debt they are saying is owed. I tried to contact that original creditor and they never return my calls or anything to give me a balance of what this is for. I rented a home from them in XXXX, and back in XXXX all of a sudden a collection agency pops up on my credit report and reporting as a fresh debt instead of the date the original account is from. I never received any notice prior to it going on my credit report, just all of a sudden one day it was there. They refuse to work with me in any way to validate the debt, tell me what it is for, or even report the correct dates from the account. I cant even get them to stop hanging up on me. This a fraudulent scamming company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
my x wife has opened multiple fraudulent accounts in my name. she has opened an account at ginny 's mail order and as such a collection account has been placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
Our mortgage was sold to CMC Funding in XX/XX/XXXX. In XXXX I spoke with them regarding interim taxes and was misinformed they would be taking care of them and the misunderstanding was that we had moved into the house in XXXX and now taxes were catching up. I have been calling them since XX/XX/XXXX to pay the taxes. I escalated to a supervisor team XX/XX/XXXX and yet it is the middle of XXXX and they are not paid. We owe $ XXXX and have $ XXXX sitting in an escrow account ( annual taxes estimated to be $ XXXX ). I have called numerous time per week, spoken to supervisors, spoken to the law office who is collecting taxes and CMC still has not paid- we now have late fees, penalties and are are quickly approaching 30 days post being overdue. I am at a complete loss on how to proceed. The company gives me the same generic response that they are waiting on law office and can not proceed. Keep in mind we have been corresponding with them for two months, involved our original settlement company and realtor and we have made very little progress. They say they are waiting for law office to send over information as they can not get ahold of them but yet every time I call the law office they answer. I have confirmed they have the right law office as well as hours of operation. I get no call back from CMC and every time I call I get a different answer- I would estimate I have spoken with 6 different supervisors and at least 20 other employees in the tax department. On XX/XX/XXXX I called and was told there was no need to call back as it was being taken care of. Obviously- this is not the case. When I call, little by little I am told more information such as it took them over 30 days to submit to the law office for the amount of taxes due, by the time they received the paperwork there were late fees so they decided to submit paperwork again to include late fees, they actually only try once/week to get ahold of law office, etc. Im at the point where Im wondering if this is a scam. I dont know how to proceed as when I spoke with them today- they are still blaming law office. Law office told me in XXXX that its a simple process that resolves a redemption form and that it should not take this long or this many attempts to get it paid. In addition I spoke with them again and they assured me there is a rush order form ( can eve completed in 1-2 business days and information can be faxed ) - all things CMC are denying. They are stating its a 7-10 business day process and it can not be done via fax. The law price informed me it is a standard process that every mortgage company does and knows the process. My realtor has advised me to submit a complaint to you guys as she states this is outrageous.

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 2020-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Recovery Services, Inc.
State: NY

Complaint narrative:
Since XX/XX/XXXX I have phone records to prove that I have received 142 calls from Financial Recovery Services ( FRS ). I have repeatedly told them not to call my phone again, put my number on the Do Not Call list, and told them again yesterday that I would report them if I received another phone call from their company. I've told them a few times this month that I would report them and they called again tonight. The numbers they call from are slightly different, but I assure you that the XXXX area code numbers are all FRS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX my debit card was stolen from me and used to withdraw {$6200.00}. First they made an {$80.00} purchase from 'XXXX XXXX ' ( Address : XXXX XXXX XXXX XXXX XXXX LA ) at XXXX. Then {$4000.00} was transferred from my savings into my checking via a XXXX Transfer at XXXX. Next, they used a Chase ATM ( address XXXX XXXX XXXX XXXX XXXX XXXX, LA ) to withdraw {$600.00} at XXXX. Then at XXXX they went to a different Chase ATM ( Address XXXX XXXX XXXX XXXX XXXX XXXX , LA ) and made 3 separate {$1000.00} withdraws. They then went to the USPS located at XXXX XXXX XXXX XXXX XXXX LA and purchased {$2300.00} in money orders. Finally a {$160.00} purchase was made at a XXXX  located at XXXX XXXX XXXX XXXX at XXXX and the last charge was for {$48.00} at XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX LA . 

I reported the fraud to Chase bank within 8 hours of when the fraudulent charges occurred. Initially, Chase credited me the amount stolen and said they would investigate my claim. However, on XX/XX/XXXX I received a letter from Chase stating that they believed the charges were legitimate because the withdraws were made using my correct PIN number. I do not know how the criminals obtained my pin number but I do know that I did NOT give my PIN to anyone and did NOT authorize these charges. I submitted an appeal with Chase on the XXXX but received word on the XXXX that Chase once again deemed the charges legitimate. I called Chase and was once again told that they would review the case but on XX/XX/11 after not hearing anything for 10 business days I called Chase 's fraud department and was told that my claim was still denied. Chase would not give me ANY explanation other than the fact that the withdraws were made using my correct PIN # so they deem the charges legitimate.

I am incredibly frustrated for three reasons : 1 ) Chase continues to deny my legitimate fraud claim 2 ) Chase won't provide me any information on their investigation oth
er than the fact the correct PIN was used for the disputed transactions 3 ) The fact that these criminals were able to drain nearly every dollar I had in a matter of hours without a SINGLE fraud alert from Chase bank. I've never withdrawn more than {$1000.00} from my account at one time but Chase saw nothing wrong with $ XXXX being taken out within a few hours

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: OK

Complaint narrative:
I was contacted by this company in 2016 in regards to money that I allegedly owed my previous apartment complex. I left this apartment of my own free will, when my lease was up. Prior to this, I had not been notified of this supposed debt by the apartment complex, although they had my contact information as well. When talking on the phone with this company, I asked for a receipt of this supposed charges, and they told me they could not provide one. They also told me I would need to contact the apartment complex to get a receipt. I did that in 2016, and to this day I have not been sent a receipt from either company detailing these alleged charges. I was also never told that I could dispute these charges within 30 days, and the debt collector would have to validate the charges themselves. In addition, since I was originally notified of this alleged debt in 2016, the amount owed as continually gone up. They are now claiming I owe almost {$300.00} more than the original amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
I sent a request to the servicer asking them, among other things, to correct the spelling of my wife 's name on our newly established loan account. I also asked them to fix our mailing address. I mailed the request and e-mailed it to the addresses provided to me by the company. The company e-mailed me back saying that I had to mail the request for a name change to the address where I already mailed the request. They also asked for additional documents showing the new name. But I did already mail the request to the address described and there is no name change. They just entered it wrong when they originally setup the account. All the origination paperwork is correct. They just need to look at the origination paperwork and enter the correct information, including my correct mailing address and my wife 's correct last name.

Company response to consumer: Closed with explanation