vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
I have received a letter from Dynamic Recovery Solution regarding a past payment due to a medical bill from XXXX XXXX XXXX. My XXXX ID # is XXXX and supplemental health insurance XXXX XXXX XXXX Policy # XXXX should completely cover the costs of my medical treatments and hospitals. 
If you have any questions please contact me at XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
XXXX/ XXXX XXXX XX/XX/XXXX. XXXX  XX/XX/XXXX. XXXX  XX/XX/XXXX. They need to remove XXXX XXXX XXXX XXXX  XX/XX/XXXX fraud ... XXXX  /XXXX fraud XX/XX/XXXX. XXXX inquire XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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 — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I went to purchase a car at XXXX XXXX in XXXX, NJ. I applied for financing through XXXX which they submitted to various banks. One of the banks ( XX/XX/XXXX XXXX denied my financing based on a Credit Report from Sage Stream LLC. I had never heard of this credit agency before. I always keep my credit reports frozen at the 3 main credit agencies ( XXXX XXXX and XXXX ) to protect my scores and potential identity theft. My scores at those 3 agencies are all above XXXX. My loan was quickly approved at XXXX using my XXXX  score so the loan approval is not my issue. My primary concern is Sage Stream LLC. I immediately searched for Sage Stream online and found dozens of complaints similar to mine regarding Sage Stream. The following day, XX/XX/2020, I submitted an online request to receive a copy of my free credit report according to the instructions on the Sage Stream website providing all required information including a copy of my driver 's license. I requested a copy of my free Credit Report and I requested that my Credit Report be frozen with Sage Stream. As of XX/XX/2020, I have not received any reponse from Sage stream in the mail. I have also left 3 messages on their voicemail at XXXX XXXX XXXX XXXX which they claim they will callback within 48 hours ... never got a response. No one ever answers the phone and they pretend that " all operators are currently busy ''. There is no ability to email, chat or communicate in any way. It is amazing to me that a credit reporting agency is allowed to operate this way in 2020. I'm concerned that I've provided personal information to a blackhole. I want a response from this company so I know why the bank denied my financing request so I can take the next step to dispute any potential inaccuracies on my Sage Stream report. I also want my credit report frozen at Sage Stream immediately to protect my data. I hope someone at CFPB will hold this company accountable for these shady business practices. There are a couple dozen identical complaints about this company on the CFPB website under the parent company name of ID Analytics. They are also a subsidiary of XXXX. I look forward to your prompt response in resolving this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
In XX/XX/XXXX, I received a notice from " the Administrator for U.S District Court, XXXX XXXX, XXXX, Oregon XXXX XXXX. 
It stated that I could receive a cash payment from a Class Action Settlement against Wells Fargo Bank. The notice listed : Loan # ending in : XXXX, Loan Date : XX/XX/XXXX, Borrowers XXXX XXXX XXXX and XXXX XXXX XXXX, Vehicle XXXX XXXX XXXX, VIN ending XXXX. 
CPI Class Action Settlement Tracking Number : XXXX I emailed XXXX XXXX and she responded that Wells Fargo had started sending out refund checks and I should receive mine, Middle XXXX. Didn't come, so emailed again, should have check by end of XXXX. " ABSOLUTELY NOTHING '' Contacted FDIC to file a complaint, they referred me to the CFPB, therefore this complaint. Not my first rodeo with Wells Fargo, not paying me or a Class Action Lawsuit that they lost.

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 2020-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I apologize about the house. The house has already been sold to another home owner it was remodeled and re-sold. Planet mortgage has already broke even and paid the balance to XXXX. Im a XXXX veteran I can barley hear I need to purchase another home a final home in California. Planet mortgage is rendering me from that process of using my VA loan. Im no longer married to XXXX XXXX. I know she had a lawsuit on the city of XXXX XXXX for XXXX  XXXX/ or XXXX  I cant remember the lawyer name was XXXX  XXXX in XXXX  XXXX. Pain suffering from the death of her sister.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
XXXX  XXXX was paid directly in full on XX/XX/2019 of {$660.00}. Receipt is attached along with Goodwill Letter, and XXXX XXXX Report of deletions back in XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: IA

Complaint narrative:
On XX/XX/XXXX a check went through for amt {$91.00} and cleared at that time. Since then I have been charged overdraft fees and other fees in conjunction with this check on the following dates. XX/XX/XXXX {$70.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX $ XXXX {$30.00}, XXXX {$35.00}, XXXX {$70.00} and today XXXX {$30.00}. I spoke to the Branch Manager XXXX  with Bank of the West today and she stated I was charged these fee 's associated with the above check # because the retailer was trying to put through a {$30.00} retry fee ( which I was already charged on XXXX ) and I didn't have enough money in the account? Which is strange since I get direct deposit from Social Security Disability each month on the XXXX. Basically, Bank of the West is making a lot of money off people by continuing to charge accounts over and over again on a item that has already been presented and cleared! When I asked why then am I being charged their overdraft fee of {$35.00} on a check that went through she said because I didn't have money in the account so bank of the west charges {$35.00} a day until money is posted to the account. I wouldn't be overdrawn if they didn't keep charging overdraft fee 's on a check that went through a month ago!!! It will never end and I will never get my account caught up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Synovus Bank
State: TN

Complaint narrative:
On XX/XX/2020 my XXXX XXXX XXXX  checking account electronically forwarded {$1000.00} to the First Progress to open a secured credit card with Synovus Bank. 

On XX/XX/XXXX First Progress sent me a letter requesting for a bank statement within 15 days. 

I did not send any information then First Progress claimed that it sent my funds back to the XXXX XXXX account. My bank account does not indicate that First Progress never had sent any money to XXXX XXXX or my account does not show any funds returned prior to the account being closed on XX/XX/XXXX. 

I filed a complaint with the XXXX  XXXX  XXXX  and the First Progress stuck to its statements that my money was either returned to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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 — Their investigation did not fix an error on your report
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
Account appearing on my credit report was not opened by me and company will not provide accurate debt validation as to the debt in question after several attempts throughout the past years. Continue to send letters in response to my requests for debt validation, without copies of signed contracts or statement of accounting. Also, the company has repeatedly sent these letters under several different entity names such as : JB Robinson, Kay Jewelers, Sterling Jewelers and XXXX XXXX  and referring to different account numbers on their correspond Kay Jewelers card that was paid in full and satisfied and the store associate opened this separate account in question without my authorization ( my kays card was accepted at all Sterling Jewelers store including jb robinson ). it has now been 5 years since the first derogotory mark on this invalid account. Lastly, they continue to provide conflicting information on a collections company that holds the account ( XXXX XXXX XXXX, XXXX and XXXX XXXX ) I have demanded they remove the account from my credit history as it is now effecting my security clearance and they refuse to do so. I believe this falls under the CFPB investigation of sterling jewelers inc. where final judgement and order was entered agaisnt the company for the same practices in XX/XX/2019.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: DISCOVER BANK
State: IL

Complaint narrative:
I am a victim of Identity theft/fraud. 
I have notified this original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to DISCOVER BANK, XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. DISCOVER BANK continues to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Spoke with both XXXX  and GM financial XX/XX/20 after receiving a letter from GM Financial explaining they could not find my account. Spoke with both parties who told me that 1 ) XXXX   would not correct my credit reporting unless GM Financial let them. 2 ) Spoke with GM financial after they mailed me a letter saying we can find your account. 

I explained to GM financial what was on my credit report, how long this has been going on for and I was willing to settle this with GM financial and they said, NO. 

They are not actively trying to collect anything however they would not try and work with me to get this resolved, that they understand why XXXX  is saying that but they wont do anything. So I feel I am sitting here trying to get this corrected, off my record and both parties are saying they will not help me. How can I fix this if both parties are denying ownership and knowledge? I have disputed this multiple times which GM financial comes back and somehow provides my credit bureaus with information but when I dispute I get nothing and then letters saying they can't find me. Just want this to go away and they don't take me seriously or care. 

The account they have for me is under XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and the last 4 of my social is XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have been dealing with an issue with Capital One since XX/XX/2020. Funds were frozen pending an investigation from an incoming wire from XXXX XXXX. XXXX  conducted their investigation and removed all fraud charges. They instructed Capital One to reverse the funds back to XXXX on XX/XX/2020. Despite daily phone calls, numerous complaints, Capital One has not done this. Meanwhile my account is frozen. 

I lodged 5 complaints with Capital One - they have not responded to a single complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has altered the way they do freezes without any notice to us the consumer. An There's not one human being to get a hold of pretty sad these people have access to my info and it is more unsafe in any 3 of the credit bureaus hands who sware to protect it. My info was leaked thanks to lack of safety protocols these agencies have with our information especially a veteran. I put a freeze for my own safe keeping and now they are trying to block me from having any access to my credit even though I personally set up the freeze after my credit was comprised XXXX spent 9 years homeless and not one problem until I finally buy a house.

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 2020-03-06 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Experian ( XXXX XXXX  XXXX inquiry XX/XX/2019 ) XXXX/XXXX of XXXX inquiry XX/XX/2019 call may times to dispute / remove

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 2020-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
Bank in XX/XX/XXXX, my auto loans from Honda Financial Services was reported as being late to XXXX, XXXX and XXXX. I have a very good payment history with Honda. However i don't recall ever missing a payment with Honda. Having this late payment on my reports, ( Honda plans to remove late payment in XXXX, that's a long time. ) is causing me to be denied for new credit. I believe this late payment is an error because i have never missed a payment before or after. When other lender see my profile this missed payment is sending the wrong message, which is not a reflection of my true credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: FL

Complaint narrative:
How is this company allowed to charge interest rates over 300 % this is totally unfair and should be illegal. I am an older person and it's costing me over 800 per month for 10 months to pay back a XXXX loan.

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 2020-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arete Financial Group
State: NY

Complaint narrative:
Disputed : XXXX/XXXX/XXXX CFPB : XXXX XXXX XXXX XXXX Arete Financial Group LLC Account : XXXX In XX/XX/XXXX I contracted the services of Arete Financial Group, LLC a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is : XXXX XXXX with an balance of {$15000.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$600.00} to the creditor via the consolidation program and my balance now due is {$15000.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last ( 6 ) months and have not been able to receive a response to any of my communication. 
On XX/XX/XXXX I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC and it has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer of installments payments to the creditor made on XX/XX/XXXX for the remaining balance was declined by the creditor of which I am grateful,, my financial accounts highlights that the reporting balance is incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Spoke with both Experian and XXXX XXXXl XX/XX/20 after receiving a letter from XXXX XXXX explaining they could not find my account. Spoke with both parties who told me that 1 ) Experian would not correct my credit reporting unless XXXX XXXX let them. 2 ) Spoke with XXXX XXXX   after they mailed me a letter saying we can find your account. 

I explained to XXXX XXXX what was on my credit report, how long this has been going on for and I was willing to settle this with XXXX XXXX and they said, NO. 

They are not actively trying to collect anything however they would not try and work with me to get this resolved, that they understand why Experian is saying that but they wont do anything. So I feel I am sitting here trying to get this corrected, off my record and both parties are saying they will not help me. How can I fix this if both parties are denying ownership and knowledge? I have disputed this multiple times which XXXX XXXX comes back and somehow provides my credit bureaus with information but when I dispute I get nothing and then letters saying they can't find me. Just want this to go away and they don't take me seriously or care. 

The account they have for me is under XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX and the last 4 of my social is XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: IL

Complaint narrative:
On my credit report I have 1 account from XXXX XXXX XXXX  & 4 accounts from XXXX  XXXX  XXXX  that I reported as fraud an Equifax and XXXX  refused to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of James R. Vaughan, P.C.
State: AZ

Complaint narrative:
XX/XX/2020 i received court paperwork by mail saying the law office of James Vaughan was Garnishing wages for a debit owed. i called the company and said the name on the garnishment was not mine, it is addressed to XXXX XXXX XXXX and XXXX XXXX, the rep said the first 3 of the SS # were incorrect and that i need to send a email to them stating the i am not either one of these people nor do i know them, i did as the asked. On XX/XX/2020 i received another set of paperwork stating they were continuing with the garnishment and lien. i again called the company and said this is not me, they told me that SS # was on it so i need to pay it, i tryed to tell them i never had the last name XXXX the said i was a lier and im going to pay it regardless of what name is on it. they said the collection is from a apartment complex in XXXX i never lived in that complex in that year. i asked them to show me proof that i signed the lease and used my id to get the apartment, was told i that to prove to them i didnt get it they dont need to prove anything.

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