vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Letter dated XX/XX/2019 from Midland Credit Management, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX Attn : XXXX XXXX, Consumer Support Services The letter dated on XX/XX/2019 indicated that Midland Credit Management , Inc., ( MCM ) was sold the debt from XXXX XXXX, and would be collecting {$3600.00} on a so-called account that ended in XXXX addressed to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX WI XXXX. 

Following this letter, I received repeated phone calls from so-called representatives of MGM wanting to collect on this amount. I informed them that the account ending in XXXX was not a legitimate account associated with my name, and that there simply was no account or credit card number that I had ever possessed that ended in XXXX. I had requested multiple times for MCM to send documentation to prove that this account was associated to me, authorized by me, etc., and what this so-called debt consisted of pertaining to whatever items, dates of purchase, etc. 

Despite these repeated requests, nothing was ever provided, and on one call with an account supervisor who inquired if I had been in Texas during the past two years, and finding out that I wasn't, he said it certainly appeared to be a part of fraudulent claims, and that he would clear up this matter on his end and send written confirmation that I was no longer liable for any of the so-called stated charges. 

Following my documentation and sending MCM a letter to this effect, they said that they would review, but after a short period of time, sent a letter requesting that I submit to them a copy of a police report, notarized fraud affidavit, or a completed FTC fraud affidavit. The problem is, there is no evidence of identity theft or fraud that they provided, as no billing was ever sent and received by me regarding this amount, nor did I ever have an authorized account that ended in XXXX, so how could a claim be filed, except against MCM for attempting to collect on a debt not associated with me. Further, on XX/XX/2019, MCM sent a copy of a letter dated XX/XX/2019 from XXXX XXXX  showing that the XXXX XXXX in question resided at XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, and the letter to this XXXX XXXX was to inform him that this account was sold to MCM on XX/XX/2019, and that this XXXX XXXX should contact MCM at a XXXX XXXX address and phone number. 

This obviously relates to another individual that may have the same first and last name. How this all then got referenced to me, who resides in XXXX XXXX, WI is such a flagrant and obvious notification that this does NOT pertain to me. What has MCM done ... contact every XXXX XXXX in the nation attempting collect for the XXXX XXXX that resided in XXXX, TX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 I requested {$490.00} from my daughter via XXXX, she currently banks with XXXX and I bank with CitiBank. She received the XXXX request via email. The email stated I requested {$490.00} and to complete by clicking the link. She proceeded to click on the link within the email to complete the transaction. This was my first transaction using XXXX, my daughter has used XXXX in the past with no issue. A few minutes pass and I had not received any email notification regarding confirmation for the transfer of {$490.00}. I contact CitiBank and go to my local branch to see what the issue was. The teller at the branch confirmed someone had access to my XXXX account and used their account info. Also confirmed that it went into a mans account. The teller then proceeded to explain that there is nothing she can do and XXXX is a third party & to contact them.

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 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
EXPERIAN, IS STILL SHOWING A BANKRUPTCY THAT THEY STATED WAS VERIFIED WITH XXXX XXXX, I CONTACTED XXXX XXXX AND THE STATED THAT THE DO NOT HAVE A BANKRUPTCY # XXXX SHOWING ON MY FILE, THEY MAILED ME THE RESULTS. 
I HAVE MAILED AND SUBMITTED ELECTRONICALLY TO EXPERIAN AND THEY HAVE NOT REMOVED THE INACCURATE BANKRUPTCY ON MY CREDIT REPORT, THIS IN ACCURATE REPORTING HAS HURT MY CREDIT SCORE!!! I HAVE NOT BEEN ABLE TO GET GREAT RATES OR OPEN UP ACCOUNTS BECAUSE OF THE BANKRUPTCY ON MY CREDIT REPORT. 
XXXX XXXX AND CREDIT ACCEPTANCE NEEDS TO BE REMOVED AS WELL, I HAVE BEEN A VICTIM OF IDENTITY THEFT AND HAVE NOT HAD THESE ACCOUNTS

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 2020-03-19 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: AES/PHEAA
State: CT

Complaint narrative:
Filed for an income-driven repayment plan in XX/XX/XXXX. Fedloanservicing stated that I needed XXXX 's tax returns to complete my application for income verification. Prior year 's tax returns were not an option when filling out the application. They provided other options such as a pay-stubs, certified statement from employer, or proof of self-employment. I'm self-employed so any required forms from an employer are non-applicable. 

In XXXX I filed an extension for my income taxes which meant I wouldn't be filing until XXXX. I received an email on XX/XX/XXXX, stating they were unable to process the income drive request form due to a lack of income verification I called and notified Fedloanservicing that I wouldn't be filing until XX/XX/XXXX. They said they would accept XXXX 's tax return. I submitted the tax return and my income-driven repayment plan was accepted. The monthly payment was modified to {$0.00} retroactive of XX/XX/XXXX. I was notified via email by the credit bureau that I received seventeen 90-day late delinquency accounts posted by Fedloanservicing in XX/XX/XXXX. 

In XXXX, I called Fedloanservicing to remedy the situation. Fedloanservicing refused to remove the delinquencies from my credit report stating the items were reported accurately at the time. I informed them when submitting the application, there was only a field for XXXX 's taxes which I didn't have. It was the only thing missing from my application. The email sent on XX/XX/XXXX did list XXXX 's tax return as a method of income verification. It was not an option until I spoke to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: GA

Complaint narrative:
I continuously received bills in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I get my report back and I was furious with the amount of items I saw on my report that I know do not belong to me. Please remove these items from my credit report. 

XXXX XXXX {$23000.00} AUTO ACCEPT XXXX {$9900.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called Transunion and spoke to their customer service. They would not help and take care of the negative inquiries reporting to my credit report. I have been a victim of inquiries issues. Spoke to Transunion and asked them what due diligence they do on their parts to verify that whatever the creditors are reporting to them is valid and they blatantly told me that they dont do any due diligence and that whatever the creditors report to them they assume is true. I have four inquiries that I need removed because those inquiries were not valid. 

XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 Informative XX/XX/2019 Thank you in advance

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 2020-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Alliance One, Inc.
State: WA

Complaint narrative:
The filed a writ of garnishment for a camera ticket from XX/XX/2018, I never receive any notification that this debt was sent to collections or the legal action was going to be taken, I never was was properly served to come to court regarding this debt, when I called the collection agency that filed this they didnt have ANY information about the debt but they are garnishing money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/20 I was notified that my account with Bank of America was being closed as a result of the bank policy. I was not given advance notice or anything. The bank just made a choice to end the relationship. Upon me trying to retrieve the money from my account the Bank decided to not allow me to get my money that's sitting in the account. 

The money that is in the account was money that was borrowed from a friend for an medical emergency. Bank of America left me and my family in a bad space that we couldn't have the medical procedure done do to them not allowing me access to recover my funds. 

I've escalated to managers and supervisors and was rudely talked to and told that they are keeping my money. I've asked to escalate this matter to upper management and was denied. 

I'm not working due to the coronavirus and this is all the money I have. Bank of America left us in a very bad place.

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 2020-03-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Im currently in the process of attempting to refinance my current VA mortgage loan but when I spoke with XXXX, they said I had a late payment in XX/XX/2020 affecting my ability to receive favorable rates. Ive had Auto Draft setup since the inception of the loan and have never missed a payment going on five years to include multiple military XXXX XXXX. Somehow, in XX/XX/2020, the auto draft did not process, and I did not catch it until XX/XX/2020, in which I immediately paid on XX/XX/2020 both XXXX and XXXX. I have already verified that my auto draft executed for XX/XX/2020. The customer service representative for Loan Care that I worked with in XX/XX/2020 made a note in the system explaining what had happened, and additionally, had the late payment fee waived because we agreed I was not culpable for the error. Im requesting correction of the payment history as soon as possible so I can continue with the refinancing process and minimize the undue hardship of this error. I have yet to receive a resolution or correspondence from LoanCare. I've had to call multiple times to get an answer from them. They've acknowledged it was mistake on their end but have failed to correct the payment history that's negatively affecting my financial situation.

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 2020-03-19 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: FL

Complaint narrative:
I have a few student loans that report to all three bureaus but most of them are over 8 years since they were last reported. The last reported date is incorrect and I've asked for it to be fixed. Knowing that these accounts are more then 7 years old these accounts should be removed from each of the credit bureaus. I've contacted them and have had no response in 60 days. This hurts me and I hope this is the last time I have to address this.

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 2020-03-19 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have reached out to Navient countless times to get the contact information for the company that owns my student loan ( XXXX XXXX XXXX ) but have countless times been told that they do not have the contact information to provide me. I have escalated my concern a number of times and spoken to various supervisors who have escalated my request for information. None are able to provide me with a phone number, email, or mailing address for XXXX XXXX, XXXX. The only information that they are able to provide me with is the contact information for Navient, the company that services the loan. I am the co-signer on the loan and have made over {$21000.00} in payments and the loan still have a balance of over {$47000.00}. 

I have also attempted to be released from the loan as I am the co-signer but that has also not been possible. I have not spoken to the loan holder in 15 years and have no way to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: Nelnet, Inc.
State: VA

Complaint narrative:
XXXX and Nelnet are refusing to report correct information regarding the attached statement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo charged me for an insurance policy that never existed for 8 years. They would not admit this but they then returned my premiums when I discovered the mistake. They said " We are not at fault but we will return your premiums. The case was then re-opened by XXXX XXXX of Wells Fargo at her request. Once the case was re-opened the Insurance company provided 100 % proof that I never had a insurance policy. I requested that Wells Fargo forgive the remaining balance of the loan which is approx 42K. They are refusing and saying the case was closed. However recorded calls and letters in writing from them show that they decided to reopen the case on their own. New evidence was found once they re-opened the case that proves unfair business practices. Also Wells Fargo in writing has said they will not preserve and secure the recorded calls between myself and Wells Fargo. They have a legal obligation to preserve and secure all recorded conversations. The 2nd issue is on a recorded line one of their Employee 's XXXX XXXX questioned my Marital status, asked where was my wife and why have we not spoken with her. He also made accusations against me and his business practices and line of questioning was totally unacceptable and illegal

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 2020-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I continuously received bills in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I get my report back and I was furious with the amount of items I saw on my report that I know do not belong to me. Please remove these items from my credit report. 

XXXX XXXX {$23000.00} XXXX XXXX   XXXX {$9900.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2020-03-19 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: MOHELA
State: VA

Complaint narrative:
MOHELA and XXXX are refusing to report correct information regarding the attached statement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: SC

Complaint narrative:
Was mislead by the customer services Representative. The interest is burying me in deeper debt. Fedloan never mention the interest rate when consolidating my loans. Also also qualify for cancellation of my loans thru the Department aid Education and My loans are still occurring interesting in which I wasnt aware of When Fedloan offer me a program that will lower My monthly payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: WI

Complaint narrative:
I saw that I had a derogatory account with AFNI INC for a  bill from XXXX XXXX XXXX reported on XX/XX/2020. I called them to dispute it, but they would not remove it from my credit report. The total amount was {$340.00}. 

I then called XXXX XXXX XXXX and got a number certifying that it has been paid. That number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
TransferWise has scammed me. They have blocked my account and they didn't back my money. They sent me fake wire transfer proof. It is not my account number. Please help me in this case

Company response to consumer: Closed with explanation