vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
There was a balance left on my Macy 's Credit card account in XX/XX/XXXX. I never received a bill. I received one email notification in XX/XX/XXXX in which the account was already charged off and in collections. I disputed this information multiple times with Macy 's directly but they did not help or send information. I finally disputed this information with the CFPB in XX/XX/XXXX, and finally received a letter from XXXX XXXX in the executive office. She sent me copies of all of my statements. This was my first time seeing all of them in XX/XX/XXXX. 

This debt stemmed from a {$13.00} purchase of a satin hanger in XXXX XXXX on XX/XX/XXXX. I do not live in that city. I did not purchase a {$13.00} satin hanger, that is an unnecessary purchase. I did not use this card at all in the year of XXXX in which the statement shows. I want to say I hadn't used this account in almost two years. This entire debt that is being reported stemmed from this {$13.00} of a satin hanger that I did not make. The remaining {$240.00} are just strictly fees and interest charged by Macy 's. There were no other charges on the account that entire year. I had disputed this balance before directly with Macy 's and was told that this was a balance left on the account, not that there was a satin hanger charge. 

I mailed XXXX XXXX from the executive office a reply that this was not my purchase by certified mail XX/XX/XXXX and did not receive a response. I called Macy's/Citibank Recovery Solutions to present this information that this was not my charge and I did not purchase a satin hanger. I spoke with an employee ID number : XXXX on XX/XX/XXXX. She told me this debt was past the statute of limitations and they refused to research the account or even look into my claim of fraud because they would not be collecting on the debt. She also declined to transfer me to her supervisor due to their 2-minute hold limit and ended the conversation. 

This debt is not mine. The company refuses to research the account to see where this purchase stemmed from. I never purchased a satin hanger in which is the basis of this entire debt. They keep telling me they are not collecting on the account, but are still reporting it on my credit report. 

This account needs to be deleted from all three of my credit reports. This is not my purchase.

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 2019-06-19 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I experienced fraud on my American Express Corporate Card in XX/XX/XXXX. While I was travelling in XXXX XXXX ( XXXX  and Connecticut  ), I noticed 3 XXXX  charges from XXXX, XXXX. I immediately called Amex and was transferred to the fraud department. We identified the charges as fraudulent and I filed a claim. I was issued a provisional credit and was told it would be made permanent on the conclusion of the investigation. I called back several weeks later and was told the investigation was still ongoing. ( It was unclear why much investigating was required given I had charges at physical locations in Massachusetts  the same day. ) I was told the case required a maximum of 45 days to resolve, yet there was never a permanent credit issued.

I called today, in XX/XX/XXXX, and was told that there was no case and no credit had been issued ( apparently my case had been lost. ) I had to provide all the information again and was told my case ( XXXX  ) will now take another 45 days to resolve. Given how this is obviously fraud and I have already filed a case, I find this timeline unacceptable and have told your representative that.

I expect to be issued a full credit immediately - this is not a difficult investigation and two minutes of analyzing a statement will make apparent that there has been fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
There were XXXX incidents to report, all caused by Regions Bank in XXXX FL 1. On XXXX XXXX, the bank cashed an altered check for an unauthorized payee for {$700.00}. The original payee did not complain about not being paid until XX/XX/2019. 
2. On XX/XX/2019, there were transfers of cash from two different accounts we own into two new accounts set up without our authorization. The profile information on those accounts were altered, including phone number and email contact info. We complained as soon as we noticed the transfers ( the next day ) and our accounts were frozen and we were locked out of any access to those accounts, including information on checks cashed. 
We requested information on all three of these transactions, including where the {$700.00} was transferred to, and we were told that they could not give us any of that information. They refused to reimburse us for the {$700.00} they sent out of our account for a fraudulently altered check. We can not follow up on recovering money from the perpetrator because they refuse to give us any information. 
We believe the false new accounts were set up by a Regions employee. 
We want Regions to reimburse us for the fraudulent check.

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 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX This is the letter orginally sent to inform Equifax that I recently received a copy of my credit report and their company publishes and after reviewing it I found an item on the report that is inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By  publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I did not receive a response from Equifax although I did get a letter from XXXX XXXX stating that they will remove this account from my credit report, since this account has been deleted by XXXX XXXX so show the collection account listed under XXXX XXXX XXXX they are both the same account. Equifax is damaging my credit profile with this information which should of been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MO

Complaint narrative:
I became an employee of a XXXX XXXX XXXX XXXX in XX/XX/XXXX. While serving at the XXXX I returned to XXXX school and earned my XXXX degree in XXXX XXXX. I used student loans to pay for both my XXXX and XXXX   studies. Once I completed my XXXX I researched consolidating my loans so that I could pay them off. I was then led to XXXX XXXX as the only companies that I could do this with as they were a part of the loan forgiveness program through the Department of Education. I applied and began my loan repayment XX/XX/XXXX. 

After making consistent payments for 10 years in XX/XX/XXXX, I reached out to the company to assure that I would only have 2 payments left in the 10 year repayment cycle. I spoke with a customer service representative that informed me that I had already made 133 payments of $ XXXX/month on a 120 payment cycle. He went on to say that I needed to resubmit my loan forgiveness paperwork due to their partner company ( XXXX XXXX ) fraudulently opening deferments. I have never taken or received a deferment. The customer service rep was also able to verify that I had made all of my required payments. In fact, he saw that I had overpaid but informed me that he would need to open an investigation. He warned that during the investigation that I would need to continue to pay, which I did. In XX/XX/XXXX I received a new promissory note that to my surprise stated that I was not eligible and would have to begin payments on the new loan until XX/XX/XXXX. I was totally shocked to see that they did not give me any credit for the payments of over {$49000.00} that I had made and essentially started the entire loan over from the beginning. 

As of XX/XX/XXXX, I stopped making payments and reached out to a few lawyers that I know. To no avail. I have researched other cases and found that there may be a class action suit for this. I NEED HELP any help you can offer. This has already negatively affected my credit and caused me a great deal of despair in trying to get someone to help me address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XXXX of this year I originally reached out to XXXX XXXX, certified housing counselor at the XXXX XXXX XXXX   XXXX XXXX in XXXX, NJ. XXXX helped me file the necessary paperwork with Wells Fargo to modify by home equity line loan. Due to financial hardship I had fallen behind on my payments and wanted to see if I could receive a loan modification and interest rate reduction and get back on track making my monthly payments. While XXXX was sending in my papaerwork to Wells Fargo I received a loan modification package from Wells Fargo with a contact person named XXXX XXXX XXXX. They were asking me for information that I had already provided to XXXX and was confused on who I should work with? XXXX advised be that it was ok to work directly with the lender and he would step back and let them complete the process. I then received an email from a XXXX XXXX XXXX ( Wells Fargo rep ) asking me for more information beyond what I had already send to XXXX. I provided the information via email to Ms. XXXX and asked her if she was the same person as XXXX XXXX XXXX. I got no response. I followed up with email to Ms. XXXX asking her to confirm that she received my information and was processing my modification request. I received an auto response email from Ms. XXXX that she was out of the office and would be back in a few days. I send a second email asking her if she was the same person as XXXX XXXX. No response. I then sent another email asking Ms XXXX to give me an update on the status of my application. Again not response. On XX/XX/XXXX, I reached our to XXXX XXXX and asked him to help me with this situation as I was getting extremely frustrated. I had provided Wells with all of the information that they has requested, hundreds of pages of documents, with no follow up. XXXX XXXX advised me that my case with Wells Fargo was closed have me the name of your agency and advised me to file a complaint. In the meantime I now am dealing with XXXX again to help me reopen my case with Wells . I have printed documentation of my email communication with XXXX XXXX and Wells Fargo representative XXXX XXXX. I would like to send this email history to your department. I am extremely frustrated with this process and feel that I did everything I was asked and provided the necessary information to Wells Fargo. My time is valuable and I dont have time to waste.

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 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have attempted to file multiple disputes to Equifax in regard to fraud activity on my credit file. I have provided documents to verify my address at the time of the said services. I was a victim of identity theft and this company is aware of that. I have police reports on this matter in which Equifax disregard every time I file a dispute. The companies reporting is XXXX XXXX XXXX XXXX and Mississippi XXXX. Both specifying dates which is impossible to live in 2 places at the same time. I have requested verification documents from these companies many times and have not been provided the documents used to open these accounts. I filed a recent dispute with Equifax XX/XX/2019 and the results are verified as belonging to me. Equifax could not provide me the information that is legally entitled to me on how their company discovered the results. I was told by an Equifax representative that it was word of mouth from the companies claiming I owe the debt. 

I've had a credit freeze on my account with Equifax for years due to my social security card and government ID being stolen as well as fraud activity on my accounts. Equifax today is still distributing my credit information to third party companies even with my file being locked. My sensitive information was leaked in Equifax 's latest of many data breeches and I was told by Equifax there was nothing I or they could do about the concern of my Identity. Equifax is not following the laws in regards to consumer personal information and rights. Equifax is conducting business with careless intent and no concern to consumers. To many people are victims of identity theft and fraud activitiy due to Equifax back door security. Equifax seems to be for the creditors as they are being used so often by creditors that they have no regards for the consumers. Equifax do not complete thorough investigations on disputes and Equifax house false and inaccurate information on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient makes it impossible to log into the website to pay bills. Despite having a working login one day, the next day it is impossible to log in. I have my login information correct and despite this, it notifies me that I have entered incorrect log in information and only have 3 attempts total before having to physically call the company hotline to reset my password. This is clear predatory behavior that only benefits Navient as it increases interest paid and prevents the aspiring generation from being able to pay off their debts. Furthermore, Navient makes obvious attempts to misallocate loan payments and intentionally confuse their customers in order to again, keep interest payments high.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/19 I opened an online account with simple.com. I deposited $ XXXX through two $ XXXX deposits. On XX/XX/19 the first of those deposits was processed. Shortly thereafter I received an email saying my account had been frozen and required verification. Despite being told it takes one day to complete the verification, it has now been over two days and I still do not have access to my money. If you've followed along, you will have realized they had over a week to verify the account and only did so after they received my money. Denying me access to my $ XXXX. MY MONEY! They refused to accept the information on my account and they requested more information that was very personal I told them to close the account $ XXXX.All they have to do is put the money back in the account where it came from they will not unfreeze my account or give me access to my money. " I tried calling them and they disconnect immediately and wont respond and they are holding my money, and refuse to give me my money back or close my account. I tried to contact to them via email and they wont respond or give me my money back. They owe me {$4000.00} dollars and will not contact me or take my calls. I want the {$5.00} back for the checks I am never going to use. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I fell behind on my mortgage payments after my divorce 3 years things started getting bad financially. I am now to the point where I have to short sale my home to get out of this debt. This has caused my military career to come to a stop, because of the debt. Since deciding to put the house on the Market my realtor had advised me to let Wells Fargo know that I would be putting the house on the market. I spoke with the liquidation department they advised me when I got the offer all we needed to do was fax them the information. Everything has been done via phone call. Since getting that information and having the house on the market we then received an offer on the house. We were looking for a response from Wells Fargo yay or nay if they would accept. They told me that I needed to be approved for a short sale before I could put the house on the market. This is new information that was never discussed months prior to the offer. This last two months have been nothing but run around since I started the process. There was many times I would get different fax numbers and everyone always mentioned how that wasn't their department and I needed to fax to another department. It is a lot of unnecessary work, and I would like for someone to get ahold of the offer that in on the table and for me to be able to sale this house. I would not have had a problem with paper work if they would've told me what needed to be done in the beginning, but everyone I contacted told me there was nothing I needed to do to be approved for a short sale. One would think Wells Fargo doesn't want this debt to continue and would love to have this loan paid off, but they are dragging their feet and aren't trying to help me at all. I am in a hard spot in my life and would expect for this process to be a lot smoother than what it has been. I just need someone to fight on my behalf to get things rolling. 
Thanks,

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 2019-06-19 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: Robinson, Reagan and Young PLLC
State: FL

Complaint narrative:
I never received notice at all, I am not aware that I have a past due balance but I paid it as soon as I was able to verify that it was valid. 

I am in the process of a mortgage loan and the only thing that is preventing me from moving forward is this account. My credit score dropped by 90 points and Its beyond frustrating. 

I would sincerely appreciate if they would submit a request to completely remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
When I was XXXX years old in high school my mom and I visit a Well Fargo bank in XXXX SC. I opened a teen account as I had a job as a XXXX XXXX at XXXX. I moved to a new town and no longer had the job so I was no longer getting direct deposit. As my mom and I set up the account it was a teen account so there fore there was no need for over draft protection. As my mom said if the money is not there you can not spend it. So I had my gaming device monthly fee coming from the account of about {$10.00}. Some how this was allowed to go through even though there was no funds there. I notice the account was in a negative and informed my mom. She said that should never happen as I am not set up for that. I went back as I am a XXXX XXXX and was told I could not open my account and that I should call the number they gave me. They were not able to locate my information and I have been denied opening an account when I do not owe anything. Please assist me in the matter. 

Sincerely 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