vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
I received a letter from Commonwealth Financial Systems dated XX/XX/XXXX. I have no relationship with this company whatsoever. It states my account has been placed with Commonwealth Financial Systems by XXXX XXXX XXXX XXXX XXXX and that the original creditor was XXXX XXXX XXXX XXXX XXXX. The letters states {$790.00} is due from a service date of XX/XX/XXXX. It mentions they will give a 25 % discount if paid within 45 days. 

I immediately assumed this was a scam ( it was addressed to my middle and last name instead of first and last name ). I did not have any outstanding medical accounts ( I have health insurance ) and XXXX XXXX XXXX XXXX XXXX is not even in my state. I did not have any service on the date listed. 

I did a XXXX search for Commonwealth Financial XXXX  and found a large amount of complaints where this company would try to collect debt on false medical accounts and if not collected, report them to the credit bureaus. I did not contact Commonwealth Financial XXXX due to the amount of complains I read about their reps being abusive. I also did not want to relay my personal info. I'm worried they will report this false account to the credit bureaus and impact my credit. I am happy to give you any info you need ( my  name, account # listed, copy of letter, etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Social Finance, Inc.
State: TX

Complaint narrative:
There has never been any type of consistency on how the payments are divided into Principal and Interest, and they will not provide an Amortization schedule that shows how the payments are divided. Just strange to me that they said that. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Immediate Credit Recovery
State: VA

Complaint narrative:
I started being garnished in XXXX of XXXX for a student loan. I was not advised of any collection activity for this account and didn't receive notice of garnishment until the day it was applied to my pay check ( via my  employer ). When reviewing the documents, I observed that the address of record was from a residence that I vacated more than a year prior. In XXXX of XXXX, I attempted to dispute the debt/garnishment via the company 's website and did not receive any type of response. I called the company on XX/XX/XXXX, and was advised by a representative that disputing the account was pointless and the only form of action that I could take to alleviate the garnishment was to file a hardship request, which would be reviewed and approved/denied by a judge after I provided receipts for all of my monthly expenses. It is my understanding that when a customer files a dispute, the debt collection agency is required to open the case and complete a thorough investigation. I was denied that right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I told them to stop contacting me multiple times a day. I then blocked the number and they started calling from a different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union
State: VA

Complaint narrative:
" First Tech Credit Union '' is running a scam operation where they charge people for inactivity but make it impossible to close the account.How are they allowed to keep this fraud going? 

I have received communications from " First Tech Credit Union '' that due to inactivity in my account they will charge me fees. 

I have been living in Virginia for over 6 years and there are no branches in the state - which is why the account has been inactive. 

I have made multiple attempts to call ( as I can not physically get to a branch ) to close the accounts. 

Just today, I made 3 attempts and was put on hold for 16, 22 and then 27 minutes on hold but had to drop the call because there are other things i need in my everyday life and can not stay on hold forever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: TX

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX XXXX XXXX created an account with Experian to check my credit report. At a glance everything looked okay until i got to the " collection '' part of the report and saw that there were 3 collections accounts in my credit report. I immediately called the collections companies to find out what the accounts were about. It is then i realized that someone had stolen my identity and used it. I told the collections company that i might be a victim of identity theft as i have never received any form of service from these companies. The refused to listen to me and asked me to pay even though i never received any form of service. It is not my fault that i have been a victim of identity theft and I should not be held liable for anything done with my identity without my permission. I also noticed that there are fraudulent hard inquiries and an address on my report where I have never lived. I am filing this police report so I can report this crime. The fraudulent information appearing in my credit report is as follows : XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  All the following information appearing on my credit report is fraudulent and I have never authorized any of these.

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 2020-01-08 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: TX

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX XXXX XXXX created an account with XXXX  to check my credit report. At a glance everything looked okay until i got to the " collection '' part of the report and saw that there were 3 collections accounts in my credit report. I immediately called the collections companies to find out what the accounts were about. It is then i realized that someone had stolen my identity and used it. I told the collections company that i might be a victim of identity theft as i have never received any form of service from these companies. The refused to listen to me and asked me to pay even though i never received any form of service. It is not my fault that i have been a victim of identity theft and I should not be held liable for anything done with my identity without my permission. I also noticed that there are fraudulent hard inquiries and an address on my report where I have never lived. I am filing this police report so I can report this crime. The fraudulent information appearing in my credit report is as follows : XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX All the following information appearing on my credit report is fraudulent and I have never authorized any of these.

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 2020-01-08 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: TX

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX XXXX XXXX created an account with XXXX to check my credit report. At a glance everything looked okay until i got to the " collection '' part of the report and saw that there were XXXX collections accounts in my credit report. I immediately called the collections companies to find out what the accounts were about. It is then i realized that someone had stolen my identity and used it. I told the collections company that i might be a victim of identity theft as i have never received any form of service from these companies. The refused to listen to me and asked me to pay even though i never received any form of service. It is not my fault that i have been a victim of identity theft and I should not be held liable for anything done with my identity without my permission. I also noticed that there are fraudulent hard inquiries and an address on my report where I have never lived. I am filing this police report so I can report this crime. The fraudulent information appearing in my credit report is as follows : XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX All the following information appearing on my credit report is fraudulent and I have never authorized any of these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 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: DISCOVER BANK
State: FL

Complaint narrative:
fraud charge by XXXX and XXXX {$1000.00} i terminated all services .... XX/XX/2019 the manually entered my acct number for XXXX this is fraud ... issue credit and interest charges due to fraud,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
I was told a check which was a fake check was deposited in my account and had to receive a prepaid card and give them the information. This lead my banking account to be overdrawn and was out of my money.i have a I guess it's a fake contract from this scammer as well as a copy of the fake check from my bank anlong with telephone numbers that at last called are still active. Please contact me at XXXX and I can provide any helpful information that I have to stop this from happening agin or to anyone else. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
TCF is refusing to provide me with account information for an old HELOC that is still coming up on my title as having a lien. I have not had this account nor ever used it! When I requested a lien release they sent the request to county to release it but won't provide me with any information on the account or give me an account closure letter stating I never had an account or that my account is too old and they don't have the information in the system anymore. I have gone into branches and even had new lender I am trying to use to get a new mortgage help me to try and get this info and no one at TCF will give us anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CT

Complaint narrative:
Ive been a homeowner for 19 years was never once late on my mortgage in 19 years until the end of 2019 when I was out of work due to an injury and had XXXX surgeries and was not receiving any income. In XX/XX/2019 I called Bayview they sent me up on a fresh start program that forgives the few payments I was behind even though I was paying each month and set me up on auto pay I thought everything was fine and when I went to go make my payment in XXXX the website would not let me nor over the phone it would transfer me to a loan specialist who Ive been calling for over a month and he has not called back I finally got a hold of yesterday and he proceeds to tell me that XXXX who I spoke to in XXXX never put me on the fresh start program and completed the process which no one ever called and advised me that and now he tells me that my mortgage is in foreclosure and theres nothing he can do for me he said he has a modification which I will not except my interest rate is at 4.25 % on a 30 year fixed and he wants to give me a modification Starting at 8.75 % and an annual increase adjusted interest rate every year and I will not except that offer I said I was in a fresh start program and to my knowledge I should be current and able to make XXXX payment. Also for 19 years I never had escrow included in my mortgage and I received a statement that all of a sudden in XX/XX/2019 they want to add escrow into my mortgage payment and my original mortgage with XXXX has a stipulation that escrow was not included in my payments and also my mother and my uncle help me and they pay my property taxes they will not fix this and take my escrow out

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: Conn's, Inc.
State: AZ

Complaint narrative:
I opened an account withe Conns in XX/XX/XXXX. I received an email welcoming to this insurance company. I realized Conns added renters insurance to my account. I reached out to Conns and they told me how to cancel my ins. and the warranty, which I did add but no longer wanted. I did exactly what they told me and I saw a credit for the warranty and no charges for ins. I thought it was done. I purchased another item in XX/XX/XXXX and realized that I was still being charged for the Ins. I called and requested to cancel and receive a refund of all ins. paid. I was told to show proof I carried ins. for the past 2 years and it would be refunded. I asked what the amount was and she said XXXX. I paid it off minus the XXXX. This was in the amount of XXXX. This amount came from the agent I was talking to. Fast forward, this was never done, after numerous calls I finally just paid the amount off on XX/XX/XXXX because it was really affecting my 100 % payments credit score. Now today it is still affecting my credit, Conns has {$70.00} still sitting on my credit with 116 days delinquent. I have called several times but they keep saying although I don't owe anything it's still under review. In the meantime my credit score is dropping and I'm in the process of buying a small company. I have disputed this transition and still nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello my name MrXXXX XXXX XXXX, im reaching out because I'm having issues with my Bank Institution Citibank, Especially with there customer services over the phone I'm requesting for them to remove the block they have on both of my checking accounts a There no help over the phone nor online including the branch. I'm XXXX XXXX veteran, due to my health condition I cant travel to the nearest bank. 
Checking acct ending XXXX {$19.00} Checking accounts ending XXXX {$7000.00}

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 2020-01-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
first loan by bayview loan services went up to 3 % XX/XX/XXXX to {$720.00}, then in XX/XX/XXXX went up again rate 3 % {$780.00} called no help try to get another mofification said no credit score to high -- -- i turned XXXX in XX/XX/XXXX as of XX/XX/XXXX i am no longer to pay school tax faxed info over 5x 's XX/XX/XXXX-also in XX/XX/XXXX i got another home insurance company info was called and faxed info lower insurance. called twice to bayview sence XX/XX/XXXX no help still say i need to pay XXXX by XX/XX/XXXX claim it takes over 30days i  think they just want more money i try to speak to several people still no help say do not know about info..i will also reort to the XXXX.i have had nothing but problems with company they did help twice over 10yrs still need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I have been an XXXX  customer for over 10 years, since I wanted to have access to XXXX app, XXXX installed a cellular transmitter which gave me the ability to access the system via the XXXX app on my cell phone. When they did this, XXXX made me sign a new three-year contract even though no new keypads or sensors were upgraded. XXXX months later I got married and we sold my house. 

In an attempt to fulfill the new contract, we were willing to transfer the service to our new home which we purchased and remodeled by taking it down to the studs. During the remodel, we asked XXXX to come out to do a pre-wire to ensure all of the wiring in the new home was embedded ( hidden ) in the walls. In fact, all of the visible wires that were on the exterior of the home were removed and we paid over {$1000.00} to have all of the utility wiring buried. We called twice to have them come out to do the wiring before we put the sheetrock back on and we were informed that they would only come out once the remodel was complete. 

Once the remodel was complete, the XXXX installer came out and informed us that they would need to use white wireless sensors that are mounted directly on the stained wood door. He also let us know that the control panel would have to be mounted above the electrical outlet and that the transformer would have to be plugged into the outlet below which, like the sensors, would be visible in the room. Given we spent over $ XXXX on the remodel, this was unacceptable. 

When we inquired about the recessed wireless sensors that are on the market, we were informed their new state of the art panel, XXXX XXXX, did not work with any of those. 

I spent over 49 minutes in the telephone and was bounced around to three different reps trying to find a solution that would allow us to fulfill the contract I had at my old home. When I offered to install my own system that was compatible with the recessed wireless sensors and then have XXXX continue to monitor the system to fulfill the old contract, I was transferred to a fourth rep who claimed she couldn't hear me and asked that I call back! 

In the meantime, XXXX has decided to send our account to a collection agency! Needless to say, we are very frustrated and believe XXXX, after 10 years of loyal service, has really let us down. At this point we just don't know what to do! 
We posted a complain on consumer affairs and a representative answered that would give us assistance, but of course, no calls were received from XXXX. 
We want to be released from the old contract and not have to pay the penalty of {$1100.00} or any penalty for that matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I sent {$500.00} through XXXX using my Wells Fargo checking account to someone that was supposed to send me TV speakers. I did some research on the number I was speaking with after I submitted the transfer and noticed a few web pages pop up saying they were scammed by the same phone number for different items. I immediately called Wells Fargo to report the scam and they said there was nothing they could do since I authorized the transfer. I also reached out to the scammer but of course they did not answer any of my calls or texts. I filed a police report the same day I submitted the claim to Wells Fargo just in case Wells Fargo needed it for their investigation but they never asked for any of that information. The bank said they would open an investigation and I was sent a letter a couple of weeks later saying that there is nothing they could do and that I should reach out to the scammer to ask for my money back ( great advice Wells Fargo ). I called Wells Fargo again today, XX/XX/XXXX to see if I had any other options or if they were able to use the information ( name and phone number ) provided to me for the XXXX transaction to possibly get in touch with their bank but Wells said they do not go that far and again recommended I reach out to the scammer for my money back.

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 2020-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
Never received any type of notification of this debt or I would have paid it. this debt should never have gone to collection. I never received any statement from XXXX XXXX ( in fact have never heard of them ) and never received a statement from XXXX XXXX either

Company response to consumer: Closed with explanation