vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Hello, this is XXXX XXXX Currently trying to refinance my home to save a few dollars a month and lower my rate through these hard times. Just a month or 2 ago my credit score was almost 30-40 points higher due to a XXXX balance on a Lowes credit card. We did not receive a bill since the beginning of the Covid pandemic. They claimed I havent paid since XXXX, which would be true since we havent received a bill. I thought my account was paid in full. Havent used the card this year as it was expired. I am looking for help removing this negative impact from my credit report. I dont have the best scores as it is but I do have good credit history. I really need help resolving this issue and I did call symphony bank who deals with Lowes credit, they have a store policy that they wont reverse anything negative on credit report is what I was told by 2 representatives. I would really appreciate some help in resolving this and eliminating it from my report. Thank you so much 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 monetary relief
Consumer complaint received 2020-07-21 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: NY

Complaint narrative:
Hello. On XX/XX/2020 I wrote a letter to Experian to correct the wrong information on my report. They did not reply so I wrote them another letter on XX/XX/2020. It has been more than 60 days. They are in violation of 611 ( a ) of the fair credit reporting act.

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 2020-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
In XX/XX/2020, Two collections showed up on my credit report from Congress Collections out of no where. I disputed the first one for XXXX and it was immediately removed. I try disputing the second one for the amount of XXXX. Two different credit report agencies came back saying the account is accurate. I have never heard of XXXX XXXX XXXX nor have they ever contacted me to collect a debt so how could this just show up on my credit report. How can i prove a debt is not mine when i am unaware it even exists. The credit agency XXXX XXXX XXXX and Experian XXXX came back saying its accurate. How? Wouldn't i receive a bill at some point before a collection on my credit report. I dont know if this is fraud or what. Not sure what i need to do to get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax has failed to remove an account that has fraudulent balances. Equifax not only has ignored valid police reports but has continued to verify inaccurate information under my consumer profile. XXXX XXXX  has willfully verified fraudulent balances with Equifax ignored valid police reports including reporting these balances to the credit bureaus as complete and accurate but continued to send out fraud claim forms. The claim forms were completed and police reports sent to them. XXXX XXXX  continues to break the law and violate my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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 — Problem with personal statement of dispute
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
SageStream llc has my credit as XXXX when I just had my credit check through my bank for a loan and all 3 are XXXX. This sage stream is also sharing my info

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Here we go again : ) I've struggled with Wells Fargo in the past to get a STRAIGHT ANSWER to questions which I've done my best to pose in the most simplistic manner possible. Yet, ( as I state when I provide feedback each time a complaint is closed ) - WFC has yet to respond with an answer. 

1. WFC has NO PUBLIC INFORMATION regarding the rules surrounding their mortgage recast - including the minimum. This information is kept internal and only available when you contact the bank. There is 1 page online that covers " over-payments '' which fails to mention recasting. Other banks publicize this information for their CUSTOMERS, while WFC fails to. Furthermore, from the string of previous complaints it becomes VERY OBVIOUS that more and more details surround a mortgage recast are starting to come out. For example, the last complaint ( after pushing this point for YEARS now ) I discovered that recasts can be done based on an accumulation of past over-payments. Nice feature ... but ... WHAT IS THE DEADLINE? This year? All time? This is the information YOUR CUSTOMERS DESERVE TO KNOW. 

2. The last complaint posed a question which was completely ignored. WFC claims that a minimum over-payment of {$20000.00} ( which is 4-5x higher than standard ) has been set because : " it is the minimum amount at which a borrower will realize a significant difference on their monthly payment '' ... This makes ABSOLUTELY NO SENSE as everything has different monthly payments and different terms - resulting in COMPLETELY DIFFERENT impacts to the monthly payment - SOME MAY BE QUITE INCONSEQUENTIAL. This does NOT make any logical sense at all. If there was any truth behind this intention of setting the minimum that much higher than industry standard - a PERCENTAGE would be used and measured AGAINST THE OUTSTANDING BALANCE OF THE MORTGAGE. 

3. WFC hung up on me last time they called - after abour 2 mins. There is zero effort for the bank to discuss this. So, these complaints will serve as an on-going record and I genuinely hope that CFPB IS PAYING ATTENTION TO ALL OF THE INFORMATION I PRESENT. WFC IS CONDUCTING ITSELF IN A VERY CORRUPT MANNER AND RESERVING A FINANCIAL SAVINGS FEATURE TO ONLY A SELECT FEW - INTENTIONALLY CREATING A DISPARATE IMPACT WITHOUT ANY ADVERTISED RULES OR LOGICAL EXPLANATION BEHIND THEIR INFLATED NUMBERS. THIS IS TRULY A MOMENT FOR CFPB TO STEP IN AGAINST WFC. 

Please attempt to answer the questions thoroughly this time. If I open complaints with CFPB THERE IS AN ISSUE. Stop brushing them aside and answer the questions.

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 2020-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
On XX/XX/2020, I initiated an " ACH Push '' into my " TransferWise Borderless Account '' from my XXXX XXXX XXXX XXXX checking account in the amount of {$1000.00}. The transaction ID is # XXXX. Soon thereafter Transferwise closed my account, and after going through their KYC  and appeals process, including sending photos of State identification and selfies holding such identification, I was informed on XX/XX/2020 that my appeal was denied and the account would remain closed. It is now XX/XX/XXXX, and the {$1000.00} has still not been returned either via ACH or escheat to Florida, or check to my residence address, or any other way. I have sent numerous email requesting account statements and further information regarding the {$1000.00} held by Transferwise , INC., a Delaware corporation, and have received no information. Their Customer agreement states, with heading : " Borderless Account Statements and Requesting Account Records in Writing, '' that a customer has " the right to receive an account statement showing your Borderless Account activity, '' this has not been provided. Their customer agreement also states the following : " If we close your TransferWise Account or terminate your use of the Services for any reason, well provide you with notice of our actions and make any unrestricted prepaid money held in your Borderless Account available for withdrawal. '' This " prepaid money '' had not been made available. I received a correspondence from Transferiwse Customer Service today with the following message : " We are currently conducting an additional due diligence check on your TransferWise account which takes approximately 60 days. Once this standard procedure is complete we will be in a position to give you a clear response regarding the funds on your account after XXXX XX/XX/2020. Unfortunately, we can not provide any further information until we have finished our standard processes. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and I am trying to correct the inaccurate/incorrect and misused information on my profile that reports multiple times. This company is refusing to fix the issue and always claim my information was verified with no proof when I show them proof its wrong on profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and I am trying to correct the inaccurate/incorrect and misused information on my profile that reports multiple times. This company is refusing to fix the issue and always claim my information was verified with no proof when I show them proof its wrong on profile.

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 2020-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I have a medical bill that I have been paying monthly since XXXX of 2019. The amount was XXXX and it is down to XXXX I have been paying this amount to XXXX XXXX, XXXX ; however, I received a bill yesterday from Wakefield & Associates - XXXX XXXX, XXXX / stating i owe XXXX and i have a 9 % interest rate. I do not know why this company is claiming amount owed is XXXX nor why there is an interest on a medical bill. 

My account was never transferred to Wakefield & Associates..CEP IS STILL TAKING CARE OF THIS BILL. THIS COMPANY IS A FRAUD. 

XXXX XXXX XXXX, XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
With the pandemic, Ally gave me 3 months with no payment, or late charges.it is showing a 26 point drop on my credit 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 non-monetary relief
Consumer complaint received 2020-07-21 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 — Problem with personal statement of dispute
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
There is a debt collection on my credit report on, XX/XX/2020, that I do not recall, from MEDICAL DATA SYSTEMS D/B/A MEDICAL REVENUE SERVICE XXXX, FL XXXX. Stating that I allegedly owe {$1000.00}. I have disputed it, and I do not agree with the results of the investigation.

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 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and I am trying to correct the inaccurate/incorrect and misused information on my profile that reports multiple times. This company is refusing to fix the issue and always claim my information was verified with no proof when I show them proof its wrong on profile.

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 2020-07-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello. On XX/XX/2020 I wrote a letter to Transunion to correct the wrong information on my report. They did not reply so I wrote them another letter on XX/XX/2020. It has been more than 60 days. They are in violation of 611 ( a ) of the fair credit reporting act.

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 2020-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to request an investigation be done about this dispute and complaint. I have four unlawful and unauthorized charges that Wells Fargo enacted on my business checking account in XXXX. The four charges are two concerning case number XXXX on XX/XX/XXXX for the amounts of {$120.00} Legal order fee and {$6400.00} legal order debit to the Florida Department of Revenue. The other two charges are concerning case number XXXX on XX/XX/XXXX for the amounts of {$120.00} Legal order fee and {$1300.00} legal order debit to the Florida Department of Revenue. All four charges were initiated by Wells Fargo claiming to be under the premise that a legal order that was filed but when checked the clerk of courts has no such order that exists. The only documentation Wells Fargo has provided is a document they received via the Florida Department of Revenue titled notice of freeze. This document does not lawfully extend any authority for Wells Fargo to remove funds without my permission. It is clear they have violated my right to due process. It is my understanding that if Wells Fargo needs to refund my funds immediately.

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 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit bureaus are not updating information from creditors in a timely manner nor scores are updating even after on time paid accounts with decreasing in balance. I dont feel Im being credited fairly for payment performance to creditors. I feel this is some type of credit discrimination. We the people count on these credit bureaus to update an be accurate In a timely manner. Disputes are going unnoticed as well. Please ensure the credit reporting agencies are doing their job in a fair way towards consumers. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: MO

Complaint narrative:
SageStream LLC Consumer Office XXXX. XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX They report I have died.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I booked a trip through XXXX on XX/XX/XXXX of last year to go on a trip for 4 to XXXX, XXXX on XX/XX/XXXX. The whole trip including flight, airfare and hotel was {$35000.00}. XX/XX/XXXX XXXXurricane Dorian ( category 5 hurricane ) hit the XXXX and sat there for several days destroying the islands, hotels and the airport was under water. Flights couldn't go in or out for weeks. We decided to cancel our trip on XX/XX/XXXX as no flights were going in or out of the country. We then received a notice from XXXX that we would only be credited {$1000.00}. They charged us {$100.00} cancellation fee for the hotel room even though the hotel didn't exist anymore and told us our flight was non-refundable. I immediately contacted Capital One to dispute the charges as I had paid with this card. Capital One reached out to XXXX and XXXX advised they would give us a flight credit with XXXX XXXX that had to be used by XX/XX/2020. Capital One then dropped the dispute and closed our case. In XXXX of this year we began planning another trip to use our flight credits with XXXX XXXX before they expired. That's when COVID happened and XXXX closed its doors. Their website said to dispute the charges with my credit card company but because I had already done that months before it's Capital One 's policy not to reopen the case. We also contacted XXXX XXXX but they said that XXXX  still had our funds and there was nothing they could do- it had to be handled with XXXX . Now we're out an additional {$2400.00}. Please help us resolve this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am both disappointed and frustrated at the lack of due care of my credit profile. This entire process has revealed both incompetence and straight-up lies. I have filed several disputes directly to your agency and through the CFPB. Yet you continue to post an erroneous bankruptcy. 
XXXX XXXX  Your response to my dispute is that you investigated the matter and that the information is coming from XXXX XXXX. You are either lying about investigating or you are lying about the results. XXXX XXXX has REMOVED this Bankruptcy because they have admitted this was a mistake. I sent you the letter in the first CFPB. I am sending it again. Attached : XXXX XXXX report FCRA 609 ( e ) Since you will not correct this matter professionally, I had to file a formal police report to exercise my rights under the FCRA. This error is hindering me from obtaining new credit and thus causing me much hardship. Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ) I request that this public record and all accounts associated with it be blocked from my consumer credit file. I do not want you to put any freezes or alerts on my credit report. I do want you to send an updated credit report with FICO score once this is resolved. Please do not continue to stall. I am very litigious and represented by Attorney XXXX XXXX both personally and professionally. I am 100 % willing to work with Equifax to resolve this matter as soon as possible. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America added {$780.00} credit on XX/XX/XXXX and didn't leave the post saying there was {$780.00} credit and using XXXX {$770.00} purchase saying I owe for the XXXX purchase even though the XXXX purchase was done on XX/XX/XXXX. They changed the transaction dates and missing the {$780.00} credit saying I overdrafted instead.

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 2020-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the collections claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation