vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
Back in XX/XX/2018 I move from my apartment to a different location and the utility company billed me and added me to collections although I was no longer there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: FL

Complaint narrative:
I have let the know both XXXX and Equifax know that I am a victim of identity theft both on my own and thru this forum. I have informed them of the accounts that were a result of this theft and some they removed which I appreciate but other still remain. These accounts are claimed to be mine but they are not and I was wondering how they came to this conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Opened an Account with Wells Fargo XX/XX/2019. I setup Automatic Draft Payment. To my displeasure I revived a late notice 30 days later from Wells Fargo. When I called they had an incorrect bank account on file that resulted in insufficient funds. We quickly fixed the routing and account number paid the bill and moved on. I then found the credit agencies were reporting a 30 day late payment. I contacted Wells Fargo and they refuse to acknowledge the error and the office of the president refuses to remove the 30 day late report from the credit agencies.

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 2020-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
Mailed a money order to pay off my Chase credit card bill. It was for {$1000.00} but they only credited my account for {$100.00}. When I explained to them that they mistakenly put in the wrong amount, they told me the money order was only for {$100.00} and sent me a copy of the money order. They had covered all the original typed numbers and wording of the money order and hand wrote the amount of {$100.00} above the original writing. Luckily, I had taken a picture of the money order before mailing it in. I have sent this copy to Chase Bank, but they have only " temporarily '' given me credit for the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I was checking my credit and noticed this company was reporting a debt that is not mine. I sent them 2 letters explaining this is not mine. They never answered and continue to report. I believe this company is a scam and is trying to hurt my credit to collect funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A company listed as XXXX XXXX XXXX CA has been apparently charging me every month XXXX since XXXX. 

I never signed up for anything like this. Bank of America 's only response was that " We confirmed the charge ( s ) is a subscription or reoccurring bill that you've paid in the past. '' There is no proof that I've ever signed up for this. When I googled the company and the phone number in the name, the majority of search results say that this is a scam that upon calling, fishes for peoples ' personal information. I don't understand how Bank of America is not recognizing this as fraud.

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 2020-02-06 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: FL

Complaint narrative:
I went to apply for a home loan and my agent informed me of collection accounts which I was unaware of. After looking over my credit report I noticed these charges did not belong to me nor did I recognize any of them. Someone has used my information illegally to obtain credit such as a rental property from XXXX and credit cards from XXXX. I also see medical collections from XXXX and XXXX when I have insurance and haven't needed any medical care in over 7 years. Please I need your assistance in getting these accounts removed to proceed with home buying process.

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 2020-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I received an email from XXXX XXXX at Wells Fargo on XX/XX/XXXX asking me to provide proof of insurance from XX/XX/XXXX to XX/XX/XXXX for the XXXX XXXX XXXX on which I co-signed. She said they owed me a refund if I also insured the XXXX. Ms. XXXX gave a reference number of XXXX. I responded the same day with an email ( attached ) saying they know the car was insured because the owner 's insurance paid off most of debt on the XXXX after it was stolen and burnt -almost beyond recognition. I requested a refund of CPI Policy XXXX - the collision protection policy they inappropriately purchased and charged my brother-in-law and myself. Because I am the person who paid off the car after the insurance payment, due to lack of gap insurance, I stated the refund should be paid to me. On that same day, XXXX XXXX responded as the Wells Fargo CPI Payment Administrator stating my request was being referred to another department. 
On XX/XX/XXXX " the Office of the President '' sent a letter saying they were aware of my concerns and would send me a package within the next 10 days. A second letter arrived on XXXX/XXXX/XXXX from XXXX XXXX, " Executive Resolution Specialist '' with the same basic message. Neither of these letters mentioned nor directly addressed the statements I had made in my email of XX/XX/XXXX. 
On XX/XX/XXXX, a check for {$5.00} arrived via XXXX XXXX. Upon receiving the check, I sent a 2nd letter on XX/XX/XXXX ( which they received XX/XX/XXXX ) requesting a copy of the policy and proof of payment ( attached ). Wells Fargo has sent 2 more letters ( attached ). Neither of them provided the information I requested. I am counting this complaint as my response and will send a copy to XXXX XXXX because she is the last person to correspond ( and ignore my request ) with me from Wells Fargo.

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 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services
State: CT

Complaint narrative:
Looking for a car. Sat down and pick a car I liked. They told my I had the credit to go for it. So I did. Coming back there telling me that I needed a co-signer that same day. Come to find out I decline the offer n walked away .. every since then Ive still been charged and hitting my credit almost 80 points. My score was XXXX and now its XXXX .but applying for credit it was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: FL

Complaint narrative:
I went to apply for a home loan and my agent informed me of collection accounts which I was unaware of. After looking over my credit report I noticed these charges did not belong to me nor did I recognize any of them. Someone has used my information illegally to obtain credit such as a rental property from XXXX and credit cards from XXXX. I also see medical collections from XXXX and XXXX  when I have insurance and haven't needed any medical care in over 7 years. Please I need your assistance in getting these accounts removed to proceed with home buying process.

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 2020-02-06 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: FL

Complaint narrative:
I went to apply for a home loan and my agent informed me of collection accounts which I was unaware of. After looking over my credit report I noticed these charges did not belong to me nor did I recognize any of them. Someone has used my information illegally to obtain credit such as a rental property from XXXX and credit cards from XXXX. I also see medical collections from XXXX  and XXXX when I have insurance and haven't needed any medical care in over 7 years. Please I need your assistance in getting these accounts removed to proceed with home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
In attempt to pay the debt in full, i contacted the Merchant Adjustment Bureau. When reached, they informed me that there was no longer any debt owed to them. The debt was not in their hands. After this was confirmed i had them removed from my credit report with XXXX  but they were not taken off of XXXX. It was not and is not there debt, during the attempt to make a payment. They do not need to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: MD

Complaint narrative:
my.equifax.com online dispute center is reporting error : " System temporarily Unavailable We are sorry, our online system is unavailable at the moment. Our consumer care team is ready to assist you with that. Please call us at XXXX between XXXX XXXX until XXXX XXXX  EST, seven days a week so that we can help. '' Upon contacting their customer service I was unable to get any information or help with this issue. 

The site has been down since I attempted to submit a dispute 3 days ago and again 2 days ago. 

This dispute center appears to have been down for several days and I have no mechanism to dispute the numerous inaccuracies on my equifax report ( I do not have this issue with XXXX who has since corrected many of these issues )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: FL

Complaint narrative:
I recently checked my credit on XXXX XXXX  and saw that I had collection accounts when I have not used my credit for anything in 10 years. These accounts were opened without my authorization and fraudulently used by someone else. Now I have these negative accounts on my credit that I have never used. One is from XXXX and other from XXXX neither of which I have ever done business with.

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 2020-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
This inquiry is in response to the Public Service Loan Forgiveness Program. I will have worked full time as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 10 years this XXXX. Several of us have applied for PSLF. We all get different reasons as to why we don't qualify for repayment at this time - more specifically why our previous payments don't count. If we were paying off Direct Loans every month for 5 years prior to consolidating, why doesn't this time count? What is the reason for not counting years of payment? We have made payments on our Direct Loans every month for 5 years and we are not hearing a logical reason why these don't count except that " they don't qualify ''. We're disheartened that this program exists but is so restrictive that it doesn't really live up to the spirit of why the government initiated this program -- what we hear is " If you have made 120 payments towards a Direct Loan or  otherwise qualifying loan and you have worked for federal service for at least 10 years, your loan will be forgiven ''. Why all the fine print that disqualifies most applicants who meet the previous statement? We would like to escalate these issues in order to allow those who have worked for 10 years for Federal Service and made dedicated payments on Direct Loans to receive the intended benefits of this program. It's noted that as of XX/XX/2019, only 864 applicants have ever received the benefits of this program and judging by the amount of applications that flow through our office way more employees have applied and met the 120 payment/ 10 year requirement. What are our options to escalate this? Thanks so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: FL

Complaint narrative:
I recently checked my credit on XXXX XXXX  and saw that I had collection accounts when I have not used my credit for anything in 10 years. These accounts were opened without my authorization and fraudulently used by someone else. Now I have these negative accounts on my credit that I have never used. One is from XXXX and other from XXXX neither of which I have ever done business with.

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 2020-02-06 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: FL

Complaint narrative:
I recently checked my credit on XXXX XXXX and saw that I had collection accounts when I have not used my credit for anything in 10 years. These accounts were opened without my authorization and fraudulently used by someone else. Now I have these negative accounts on my credit that I have never used. One is from XXXX  and other from XXXX neither of which I have ever done business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: STERLING JEWELERS, INC.
State: IN

Complaint narrative:
Showing up as a local number on caller ID from a town of less than 400 people. I assure you this company does not do business in this town. The person says they are from XXXX XXXX trying to collect on a debt. I told them to quit calling me as I do not believe they are from the company since they are using a local number. 
If it is the case, I find that to be very shady business practices to use a local number to trick individuals thinking they are someone else. I will not and am not going to give any information stating who I am to anyone that can not fully state who they are from a legit number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
STarted on XX/XX/2020 until today XX/XX/2020, calls will begin before XXXX XXXX  and even received many calls at XXXX XXXX!!! I have made payment arrangements with Comenity Bank and asked NOT to call as my payment arrangements have been accepted. They call 10-20 times EVERY DAY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I am the successor of interest in my late father 's refinance w/Wells Fargo 's  Home Mtg. I reinstated the amount due : {$18000.00} wired to WF on XX/XX/2019. I asked over & over exactly how much was needed to reinstate the loan which was the above amt. After that date, I received letters from WF asking for another {$1900.00}. I keep asking what is the amt for? WF is vague & replys, " attorney fees ''. I want the exact breakdown of the fees because their Attys. XXXX, XXXX, XXXX, XXXX were pd over {$3000.00} included in the {$18000.00}. I called XXXX 3x 's, left messages, emailed them & they will not respond. The extra amount of {$1900.00} is supposedly for their attys & that fee has a date of XX/XX/2019. I pd WF on XX/XX/2019. I want the actual breakdown of all of the fees involved in hard copy & mailed to me. So far only delays from WF & still nothing from their attys. Also, the refi is a fixed refi of 6.37 % & the monthly payment is {$510.00}. I keep asking WF why the monthly interest is so ridiculous. The payment is due on the XXXX of each mo. & it doesn't matter if I pay the amt 2 wks before, WF will take only {$70.00} towards the principle. This makes no sense? Please, contact WF & their attys. The atty 's number is on an attached PDF. WF 's contact person is XXXX XXXX Sr. VP. Tel. # XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Thank you.

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 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
IN XX/XX/XXXX, I had contacted Capital one about a hardship program they offered at one time. XXXX of XXXX, I became critically ill with XXXX   and nearly died. I had 4 lengthy hospitalizations between XX/XX/XXXX and XX/XX/XXXX. When I was well enough mentally to contact my creditors, I immediately explained my situation and requested assistance through their hardship programs, where I would have the option of keeping my accounts open and in good standing. All other creditors offered a program, where they lower my interest, waive any late fees or over the limit fees, and reported my accounts in good standing with the credit bureaus. Not Capital one. They make it sound like they are there to help and have only the best of intentions to help you in your time of need. They do not. Since I have entered the hardship program, they sent me notice of default on my accounts, and threatened to cancel my accounts, reported me as much as 120 days late on all 3 of my accounts all while being enrolled in the hardship program. My understanding of this program was if I could not make a payment for a certain time frame, I would be protected while enrolled. If at any time I could make a {$25.00} payment to prevent further issues, that was acceptable. My understanding of their hardship program was to help people. NOT DESTROY their credit. I had an excellent payment history with all of my credit cards with them, but this just completely ruined me. They also did not explain in any way, that after you get caught up on your accounts while on the hardship program-that they then restrict your account for another 3 months-and still continue to report you late to the credit bureaus. I had reached out on SEVERAL occasions to inquire about changing my payment due date to coincide with my SSDI benefits, so that I could make sure my payments were made in a timely fashion and without having trouble paying. They flat out refused ( after telling me on more than one occasion they could change my billing date ). They claim payment due dates can not be changed while enrolled in a hardship program. How is that supposed to help me? It does NOT, it hinders my ability to make timely payments as agreed once I entered into the hardship program. Despite being caught up since XXXX, they have restricted my cards for 3 additional months, in which they STILL REFUSE to change my billing date. How can this even be considered a program to HELP ANYONE but themselves? When they offered insurance for this type of scenario, I always had payment protection on all of my cards specifically for issues like this, but they eliminated all programs to actually HELP people. I had filed a complaint with the XXXX  but all they did was have someone from corporate call and apologize to me and again go over the terms of the hardship program. NO help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Sent certified letters in timely fashion to company to verify my debt and they have not responded in required time

Company response to consumer: Closed with explanation