vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Claim # XXXX and Claim # XXXX denied. 

Last year I contracted XXXX and was XXXX  for multiple weeks and placed on a XXXX. Since then, I have been XXXX XXXX XXXX  of the XXXX  numerous times due to the XXXX XXXX  incurred from XXXX. My recent XXXX  stays occurred from XXXX, XXXX, XXXX, XXXX, and XXXX. It should be noted that XX/XX/XXXX, I was unable to find my driver license and do not know how long it had been missing. 

The purpose of this email is that during and in between my hospital stays fraudulent activity occurred on my debit card. Due to my XXXX, I was not aware of the unauthorized activity at the time. I reported this fraud, but both Claims ( Claim # XXXX and Claim # XXXX ) were denied. I informed the phone representative I can provide copies of medical documentation to provide Wells Fargo, as well as file police report. They stated this was not necessary.

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 2021-09-23 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: DISCOVER BANK
State: CA

Complaint narrative:
In the past few months, I have contacted Discover Student Loans repeatedly to resolve late payments that have been attributed to my accounts. When I have reached out to Discover Student Loans, I have been told each time that my accounts were incorrectly marked as delinquent. 

With that information from Discover, and a documented ledger of my payments being on time ( provided by Discover ), I opened a dispute with XXXX. The dispute was kicked back, as was 4 other attempts. 

When reaching out to XXXX as to why this was the case, I was told that Discover said the late payments were valid. This is a direct contradiction to what I had been told by Discover and also contradicted the documentation that Discover had provided which showed payments being made on time, not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: Nelnet, Inc.
State: CA

Complaint narrative:
I filed a dispute with XXXX in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: Nelnet, Inc.
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

2. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

8. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called fifth third bank for mortgage forbearance around XXXX of 2020. The forbearance plan was initiated but was cancelled shortly after before my mortgage for the month of XXXX was due. Fifth third bank officially cancelled it after I called in. 

Afterwards I paid my mortgage on time for the next six months until XX/XX/2020. Thats when I called in to initiate covid mortgage forebrance again according to the CARES Act. This time I officially utilized it for 12 months. Fast forward to now its been a year and I have 6 month left on my extension for foreberance since CAREs act stated 18 month total for my situation, and the mortgage servicer confirmed I do qualify for 18 months. 

While on the phone with their customer service representative they stated I can not have my full 18 months because XX/XX/2020 I called in to start foreberance. They are counting the 6 months gap between XX/XX/2020 to XX/XX/2020 as foreberance taken, even though I wasnt on the the plan becuase it was cancelled and I made all Mortgage payment due on time during that 6 months gap. 

The customer service also lied on the phone stating they are doing this because its their investors policy. And the investor happens fo be XXXX  XXXX  which the representative gave me their customer service number. I called XXXX XXXX  they have stated they never issued any policies regarding this and they abide by the CARES Act of granting 18 months of forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: NJ

Complaint narrative:
I noticed a few accounts on my credit report that I do not recognize

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 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Servatus Corporation
State: PA

Complaint narrative:
account was open with out my perimission, victim of 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 non-monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: TX

Complaint narrative:
I received the attached letters on the same day XXXX XXXX BOTH in a non post dated envelope -- from XXXX XXXX Escrow showing I have a shortage and new pmt as I dont understand how I have a {$1900.00} shortage and payment stays almost the same? XXXX XXXX as of XX/XX/2021 and SERVICER-NOVAD When XXXX intentionally aware loan is being transferred to a XXXX XXXX XXXX XXXXXXXX XXXX. 

SERVICER FAILED TO NOTIFY ME AT LEAST 30 DAYS in advance to me My payments with XXXX are automated coming out the XXXX of every month. When I get paid. 
FAILED TO PROVIDE FIRST DUE DATE and AMOUNT Per letter states : indicates where I can send pmt after XX/XX/2021 *****THIS IS CONSIDER FRAUD I DID NOT receive a letter from XXXX XXXX WHEN to stop accepting payment from me-ALSO FRAUD All I recd from XXXX is a Escrow shortage ... sounds like a set up to immediately become delinquent with a corrected monthly mortg pmt Mortgage renewal XX/XX/2021 current pmt XXXX ****Did not receive a statemnt of the transfer will not affect any terms and conditions of my mortgage from SERVICER and XXXX XXXX from OWNER , LENDER, ORGINATOR and SERVICER with all info listed above My payments are set up auto with XXXX XXXX and a week is unacceptable and not enough time -- -This is FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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:
In the past few months, I have contacted XXXX Student Loans repeatedly to resolve late payments that have been attributed to my accounts. When I have reached out to XXXX Student Loans, I have been told each time that my accounts were incorrectly marked as delinquent. 

With that information from XXXX, and a documented ledger of my payments being on time ( provided by XXXX ), I opened a dispute with Experian. The dispute was kicked back, as was 4 other attempts. 

When reaching out to Experian as to why this was the case, I was told that XXXX said the late payments were valid. This is a direct contradiction to what I had been told by XXXX and also contradicted the documentation that XXXX had provided which showed payments being made on time, not delinquent.

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 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lewis, McDonnell & Associates
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on LEWIS MCDONNELL & ASSO ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Since XXXX of XXXX I was put on a payment plan with Barclays due to financial hardships. My payment amount due is XXXX per month on the plan. Every since I have been on the plan I have been having payment issues with Barclays where two payments have been taken out for a couple of months and then one payment had to be returned for that month. Instead of the incorrect payment being back out it was deducted from the monthly payment amounts which then reflected the incorrect payment for that month. The XX/XX/XXXX statement and XX/XX/XXXX statements have my total payments as XXXX when it should be XXXX for both months. This means XXXX of my payments for both months was not recorded. I am owed XXXX in payments. Where did that money go? I am afraid I will keep getting cheated out of my payments every month.

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 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Concord Servicing Corporation
State: CO

Complaint narrative:
I signed up for a time share and I had been unable to use it every time that i went to use it due to blackout dates that weren't in the contract. I was still honoring the contract in good faith. However once the pandemic hit in XXXX of 2020 i had my XXXX  's taken from me due to no fault of my own. Due to this i was unable to continue to make the payments. Since that time the time share has continued to add maintenance fees on my account and interest payments. I am unable to pay at this point and it is becoming to much but in addition i don't believe the company has honored their contract in good faith. Can you please help me resolve this matter.

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 2021-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: PA

Complaint narrative:
Americollect Collections Agency located at XXXX XXXX XXXX XXXX, XXXX, WI XXXX and XXXX XXXX XXXX XXXX, WI XXXX, has flagged my credit report several times which has had a negative impact on my credit report and credit rating. I received 100 % charity care for medical services received and have two charity care letters as evidence. Americollect has received this information and continues to try to forward this information to my credit report and then flag it so that my credit rating drops. These unfair business practices are unfair and questionable. Please investigate this issue and resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
My mortgage closed in late XXXX. 
After it closed I changed my insurance policy to a lower cost one. 
I have been trying to get XXXX XXXX XXXX servicing to adjust my required escrow account without any success. 
On XX/XX/XXXX I finally was able to talk with someone who told me that my account had been reviewed, my payment was finally reduced and they were mailing a check for more than {$800.00}, the overage accumulated between XXXX and XXXX Never received the check. Was told that they would deposit the amount to my account immediately on XXXX. Nothing happened. I talked with customer service Friday morning, XXXX and was told a supervisor would call me within 48 hrs.As of today, XXXX, I've still not heard from the and still haven't received my deposit. 
I paid my Prin and interest for XXXX ( which thet failed to apply ) and told them I needed the money do me to continue to make payments. The only payment I can make my old mtg payment which is more than {$100.00} to high. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am very suspicious that Wells Fargo inside source opened an a " Everyday Checking Account '' on my account page. I find it odd that a " Minimum opening deposit Open with {$25.00} deposit '' is required, but the fraudulent account does NOT SHOW a {$25.00} balance EVERYDAY CHECKING : which they require to open the account. 

Activity Summary Current posted balanceOpens Dialog {$0.00} Pending withdrawals/debits {$0.00} Pending deposits/credits {$0.00} Available balance {$0.00} I HAVE filed a complaint with Wells Fargo on or about XX/XX/21 but have not heard anything yet. I am suspicious as they seem to have done this in the past to other account holders. The account is being looked into as " identity theft ''. Have to laugh tht about 3 days after I complained to Wells Fargo they sent me a congratulatory note and notification that a debit card is on the way!!

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 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I have received the initial call from " XXXX '' who is an employee with National Credit Systems , INC at XXXX XXXX XXXX GA XXXX, back in XXXX. This was the very first call and/or notification of said debt, and I asked him to please send me an invoice, so that I can review and pay. He said to me : " Well I advise you pay it or its going on your credit report! '' and hung up on me. The second call to verify that the bill was paid, was placed by me on XX/XX/2021 at around XXXX EST, and I asked him again to verify if the bill was paid, because this never shouldve been sent to collecitons, again, he said : " Well Im not here to debate this with you, and you should call back when you are ready to handle this! '' I am shocked and appalled by the lack of professionalism and utter disrespect that this " XXXX '' person has displayed. The NCS account number for this debt is listed as : XXXX, under my name, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
CFPB : This is a continuation of complaint # XXXX for Firstmark. Once again we are receiving phone calls and e-mails stating we are behind. The Firstmark website clearly shows we are up-to-date. Next payment due XX/XX/2021. Once I reached out to you CFPB, the calls stopped along with e-mails. Firstmark has sent nothing, done no follow-up, no copies of the statements have been sent as requested. I did get a generic e-mail stating how sorry they were for the frustration caused. There was also the corresponds letter sent to CFPB on my behalf my behalf, nothing in that letter has been addressed. I was assured the account was being looked and all mis-information would be corrected. There are still statements on my account with a New Jersey address, we never lived in NJ. Firstmark stated the Infor was transferred by XXXX XXXX. Never once in 6 years did we ever have a problem with XXXX XXXX, Firstmark is taking no responsibility or accountability for errors. Sorry to reach out to you again, not sure how to get someone from Firstmark to look into this. I am aware the calls are in a que and may be a bit behind. Again my credit rating is being effected along with fees being added to accounts paid on time. This journey just keeps getting worse. Thank you for anything you can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received the attached letters on the same day XX/XX/2021 BOTH in a non post dated envelope -- from WF Escrow showing I have a shortage and new pmt as I dont understand how I have a {$1900.00} shortage and payment stays almost the same? XXXX XXXX as of XX/XX/2021 WF escrow shortage does not clearly show me how this reflects my ongoing pmts or is this a 12 advance notice my mon mtg will double? 
Escrow/Insurance was paid XX/XX/2021 XXXX SO WHY DO I HAVE A SHORTAGE of XXXX? Numbers don't add up and monthly payment doent make sense-see attached SERVICER-XXXX failed to provide 1st pmt date and Wells Fargo failed to provide a letter to me of this transferred mortgage event AGAIN When WF intentionally aware loan is being transferred to a F Rating Servicer XXXX XXXX. 

SERVICER FAILED TO NOTIFY ME AT LEAST 30 DAYS in advance to me My payments with WF are automated coming out the XXXXth of every month. When I get paid. 
FAILED TO PROVIDE FIRST DUE DATE and AMOUNT Per letter states : indicates where I can send pmt after XX/XX/2021 *****THIS IS CONSIDER FRAUD I DID NOT receive a letter from Wells Fargo WHEN to stop accepting payment from me-ALSO FRAUD All I recd from WF is a Escrow shortage ... sounds like a set up to immediately become delinquent with a corrected monthly mortg pmt Mortgage renewal XX/XX/2021 current pmt XXXX ****Did not receive a statemnt of the transfer will not affect any terms and conditions of my mortgage from SERVICER and Wells Fargo from OWNER , LENDER, ORGINATOR and SERVICER with all info listed above My payments are set up auto with Wells Fargo and a week is unacceptable and not enough time -- -This is 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 explanation
Consumer complaint received 2021-09-23 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: WA

Complaint narrative:
There are some credit inquiries that have been on my credit report for a while that is a result of a scammer using my personal information in an attempt to obtain credit on multiple occasions on XX/XX/XXXX XXXX, and XX/XX/XXXX. I have contacted all Credit Bureaus and Filed an Identity theft affidavit when I first noticed the identity theft. I have called Transunion multiple times speaking to different representatives receiving different answers on how to have them removed. The FCRA states if an item is a result of identity theft the CRA 's must remove them. The following inquiries are XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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