vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
I received a letter from Franklin Collection Services. The letter offered me an settlement on an XXXX account that I do not have ( never had XXXX ). In the letter it stated pay or contact your attorney. I attempted to contact this company and was told that they suggest I speak to my attorney to protect myself. When I asked from what the agent laughed and stated collection efforts. I now feel intimidated and afraid for my life and my financial future, seeing as these people have my address and my phone number and are threatening legal action with no proof or validation offered!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Contacted Synchrony Bank/Care Credit on multiple occasions, and three times on XX/XX/2019. They claim to have sent a card to me which they also claim was returned. I'm trying to resolve the alleged mail delivery issues. I can not find the company 's original email, claiming the card had been returned by the USPS. They still have failed to get a card to me, with an account opened one month ago. They claim a system email from the legal department was generated and insist there is no way to resend it to me. Two different supervisors also claimed there was absolutely nobody they could ask, or compose a general new factual email with the necessary details to resolve the alleged mail delivery issues I seem to be having, according to them.

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 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX A XXXX {$450.00} XX/XX/2016

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 2019-03-04 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: OK

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX {$450.00} XX/XX/2016

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 2019-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am filing this complaint after receiving a letter from Chase today alleging a lie to cover up their illegal activities. In the letter ( see attachment ) dated XX/XX/XXXX Chase asserted that we cant consider you for mortgage assistance because we didnt receive your initial request by the required number of days before the scheduled foreclosure date. THIS STATEMENT IS A LIE. I REPEAT. THIS STATEMENT IS A LIE, AND I CAN PROVE IT! 
Chase has repeatedly made false allegations like this to us for more than four years. Most of the Chase Request for Mortgage Assistance applications we have sent to Chase have been ignored ( see attachment ). Nonetheless, In XX/XX/XXXX, our Chase dedicated relationship manager in XXXX, Florida spoke to the Chase branch bank manager and vice president in XXXX, Georgia. He ( the vice president ) told her ( our dedicated relationship manager ) that he personally faxed all of our documents to her the previous week and confirmed their receipt in her office at that time. In spite of this fact, she requested through the branch bank vice president that we submit our application and all required documents to her again for the 33rd time in 18 months ( see attachment ). Consequently, our dedicated relationship manager sent to our home address a XXXX envelope for us to submit our application and documents back to her again. We sealed the documents in that envelope and took it back to the Chase branch bank so that Chase employees could send it to her through XXXX. 
The Chase branch bank in XXXX, Georgia took receipt of our envelope of documents and gave them to XXXX. XXXX tracking confirms that our application was received by our dedicated relationship manager in her actual office on XX/XX/XXXX at XXXX XXXX ( see attachment ). After that date, we never heard from our dedicated relationship manager again regarding ANY aspect of our application. 
Chase proceeded in XXXX to schedule a foreclosure on our property for XX/XX/XXXX in violation of the laws of our state for multiple reasons, including failure to provide proper notification as required by law. As such, this proves the statement made by Chase to us in their letter dated XX/XX/XXXX is a lie because we submitted our Request for Mortgage Assistance application to Chase more than thirty days before Chase took illegal action to attempt a foreclosure on the date of XX/XX/XXXX. Our " dedicated relationship manager '' failed to process our application despite our having previously submitted it to her in XX/XX/XXXX, and well as on 32 previous occasions in the past 18 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On Friday XXXX I moved about {$40000.00} from my checking account to pay off my mortgage. Wells Fargo has removed the money from my checking account and is holding it in limbo. They no longer are paying me interest on the money and they wont close the mortgage so Im still paying interest on my mortgage. I went to a branch office in XXXX XXXX Texas to ask for a payoff amount and was told they couldnt tell me that. At this point they have my money and are not paying me interest and are charging me interest on a loan Im trying to pay off. When I called today they said we had to have a cooling off period and I cant pay off the mortgage now. I need help with these crooks. 

My cell is XXXX, my email is 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 2019-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX withdrew {$26000.00} from my checking account between XX/XX/2019 and XX/XX/2019 for XXXX cancelled reservations but I only authorized {$19000.00} for withdrawal. After many phone calls with XXXX during the past 30 plus days, and after being transferred several times to their payment processor, XXXX, today, XXXX from XXXX stated that XXXX has no supporting documentation for the {$26000.00} of withdrawals from my checking account. Also, he stated that only XXXX, the payment processor for XXXX, has this documentation but my contract is with XXXX, not XXXX. Then XXXX refused to put his statement to me in writing. Then he hung up, un-announced, from my phone call. A representative from Wells Fargo Banks XXXX department was a participant during this whole phone call today. 
XXXX withdrawals detail for {$26000.00} follows. 
{$6800.00} on XX/XX/2019. 
{$4800.00} on XX/XX/2019. * {$3900.00} on XX/XX/2019. 
{$3100.00} on XX/XX/2019. * {$3400.00} on XX/XX/2019. 
{$2900.00} on XX/XX/2019. 
{$1500.00} on XX/XX/2019. 

*XXXX  refunded these two deposits on XX/XX/2019, apparently to settle an unrelated dispute for overcharging RENT PAYMENT FEES ( description on my bank statement ) as a result of my contracted payment of {$500.00} per year per listing to cover all XXXX rent payment fees. I calculate {$7900.00} of overpaid rent payment fees.

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 2019-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XXXX the XXXX 2019 i was contacted by by someone to let me know that this person had got my childs social security number and used it for credit cards and other things as in hooking their power up etc ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SPP, Inc.
State: PA

Complaint narrative:
keeps calling every day says there going garnish my checking account for a credit card I never had talked to XXXX at least 3 time told her to stop calling

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is a follow up for a prior case for CFPB XXXX. I am providing my credit report and the last four digits of my social security number. 

XXXX Inquiry 2 Inquiry Date - XX/XX/XXXX Creditor Name- SYNCB I filed an identity theft report with FTC as someone has stolen my information. I did not request any credit and have frozen my credit with XXXX. My credit report states the inquiry was made on or around XX/XX/XXXX of XXXX for a travel/entertainment card. The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/XXXX. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the Bank must immediately place a dispute code on its subscribing credit bureau reports.

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 2019-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST
State: MT

Complaint narrative:
Bank refused to deposit my check for XXXX as I wrote XXXX XXXX and no instead of XXXX XXXX and no. This led to having them have to mail the mail the check back to me, as there is not a Bank of the West in my state. This is the account associated with my RV loan. I I meant XXXX I would have written XXXX and XXXX/XXXX. It's very petty and puts Mt account at risk of over draw on my RV payment.

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 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
Loan number XXXX Dear Seterus, My husband XXXX XXXX passed away in XX/XX/XXXX. The first payment I made to XXXX was missed by XXXX, the account number with XXXX  XXXX. Later the loan was sold to Seterus, account number is XXXX. I never paid late to both XXXX and Seterus, but they charged me the late fee because that missing payment by XXXX. Finally, my son accidentally paid all the late fee in XX/XX/XXXX, where I was in XXXX, he paid to Seterus in the amount {$1500.00}. I had to call many times both to XXXX and Seterus. I had to file a case with CFPB first time in XX/XX/XXXX, the case number XXXX, second time with CFPB in XX/XX/XXXX, case number, XXXX. XXXX did issue me a check in the amount of {$970.00}, the same amount XXXX miss calculated the payment I sent to the bank after my husband passed away. Seteurs denied my complaints and sent me letters inXX/XX/XXXX and in XX/XX/XXXX said I am not the authorized representative. I was never refunded the late fees we paid inXX/XX/XXXX. I am the owner of the property, the title is in my name right now, I have attached the court document. My number is XXXX XXXX. 

Sincerely, XXXX Ma XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have been a victim of identity theft. I have filed a police eport along with a XXXX with XXXX listed on the FTC. I previously filed another CFPB case number XXXX and back on XX/XX/2019 XXXX responded to the CFPB request. I recieved a letter by XXXX in the mail stating they will conduct a investigation. At the time I also sent the police report identity theft and a FTC. XXXX has not been any help. They are refusing to remove the account that I never opened nor have I autohrized anyone to open a XXXX account without my consent therefore this account was opened fraudulantly. A few days ago I was notified that my claim has been denied by XXXX XXXX from the Executive office of customer advocacy department. Her contact number is XXXX. She has not done the proper investigation on my claim of fraud and I will explain why she has not. XXXX XXXX is refusing to have this account that I never opened removed from my credit files. I have filed a police report along with a FTC proving Discover that I am not responsible for this account. On XX/XX/2019 I spoke to a rep from the Executive office with the name of XXXX XXXX. He stated that my account was under another investigation. Please see attached FTC and police report. I am not linke for this account and it must be removed. I have never opened any credot cards with XXXX nor have I disputed any charges with XXXX because I never even opened the account. Another discrepency that I have discovered is that at the time of the application I was legally a minor with the age of XXXX. I will also attach my DL with my DOB along with my birth certificate showing my DOB. XXXX is not allowed to open any accounts for minors. Along with that when a application is submitted XXXX must verify the information on the app. In this case because I was a minor with the age of XXXX XXXX by law should have not approved this fraud account. I strongly believe that someone in XXXX has opened this account under my name without my authorization because this app should have been denied due to me being a minor at the time of the application. Please see attached birth certificate and other documents supporting my claim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: TX

Complaint narrative:
These accounts that I am requesting assistance on are being reported inaccurately on my credit reports with all three credit bureaus ( XXXX, Equifax and XXXX XXXX ). I have spoken to them numerous times and submitted hand written letters for these matters to be resolved and they are affecting my credit tremendously. I have locked my credit files and requested a security freeze on my credit reports until further notice. 

In XX/XX/XXXX, I noticed that the accounts I am writing to you about have inaccurate late payments on them and I have never been late on any of my accounts. There is even a personal statement that is inaccurate and now I am writing to the Consumer Financial Protection Bureau to help me in correcting this information as soon as possible. 

Equifax is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX XXXX XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. These accounts have had perfect payments every month every year for the history of them. 

XXXX XXXX is reporting that : XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. 

XXXX is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX  XXXX XXXX XXXX N has 6 late payments which are inaccurate as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc.
State: TN

Complaint narrative:
I sent a certified letter to a collection agency by the name of pro collect. I have a Chapter XXXX bankruptcy that I filed back in XX/XX/XXXX and it was discharged on XX/XX/XXXX. That debt was included in that bankruptcy, so I sent Pro Collect a certified letter with a copy of the discharge order from the bankruptcy court. They received the letter on XX/XX/XXXX, but I never got a response. On XX/XX/XXXX at approximately XXXX hours, I called ProCollect and spoke with a Ms. XXXX ( she would not give her first name ). She informed me that the account in question was restricted and I would have to contact a Mr. XXXX ( would not give his first name ) by email only. She gave me his email address. I contacted Mr. XXXX on XX/XX/XXXX at approximately XXXX hours and informed him who I was and of my issue. His only response was, Account number? I sent him the account number at XXXX hours and have yet to receive a response.

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 2019-03-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have made several attempts to contact Equifax for my report. Since XXXX I have been getting unable to deliver online. This year, XXXX, I was turned down for funding because of the Equifax report. I attempted again to get my report, only to get same decline online. I made several calls and can not get to a human. I called on XX/XX/XXXX to obtain a credit report through the automated system ( since its the only thing I could do ), and recording stated it would be up to 15 days to get the report. That would have been XX/XX/XXXX ( not including weekends ). Today is XX/XX/XXXX and no report. This is unacceptable for this company. They have also broken the federal law by not providing me with my report and I requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: NY

Complaint narrative:
-I had a 36 month auto lease from XXXX XXXX XXXX that ended on XX/XX/XXXX. -The last payment was made on XX/XX/XXXX. 
-The vehicle was returned and was showed as paid off in full as of XX/XX/XXXX. 
-Then I receive a notice on XX/XX/XXXX saying that my credit score dropped 97 point due to a 30 day late notice from XXXX XXXX XXXX. 
-I then contacted XXXX XXXX XXXX on that same day and spoke to a XXXX XXXX . XXXX said it was a mistake and that they would send a letter to all 3 credit bureau 's stating that I was in good standing as he also sent me the letter that was sent to all 3 bureau 's. He stated that it could take up to 45 days for the credit bureau 's to respond and fix the mistake on my credit file. 
-XXXX and XXXX fixed the mistake on my file within the 45 days but Experian did not. 
-I then called Experian on XX/XX/XXXX and they told me that they did not have any documentation on file from XXXX XXXX XXXX and that I would need to file a dispute with them and that it would take 30 days for them to remove the late notice on my report if XXXX XXXX did not respond to Experian 's inquiry relating to the 30 day late notice. 
- I then called XXXX XXXX, at XXXX XXXX on XX/XX/XXXX and told him that Experian did not recieve the letter from them and that they are going to put it through there system and that it would come off if XXXX XXXX would respond to the dispute. They then looked into it for me and then responded back later that day and said that experian never posted anything on regarding my situation. 
- I then called Experian back several times and they just keep telling me that there isn't anything that they can do and I just need to wait until the 30 days are up which I was going to do until I found out that the 30 days didn't start until XX/XX/XXXX and not XX/XX/XXXX. 
-This entire situation has been a financial hardship and nothing but stress since I am going for a mortgage and will either get rejected for this loan or will have to pay for a much higher interest rate then I should get from them if my credit score was correct.

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