vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I emailed all my personal documents to Ms XXXX and filled out the form on Wells Fargo website. She called me on the phone many times and spoke to me. Told me I would get the REFI with a rate 3.45 commiserate to my credit score. She said there is no reason I could not be paying the amount she asked me how much {$1800.00} that is so much more affordable ( she did some calculations while speaking to me ). She even told me that I would stop paying the FHA insurance payment. But wells fargo did not give me the loan modification NOR refinance AT ALL. They sent me a denial letter with absolutely no reason listed. They treated me with bias and want me to keep paying the ridiculously high mortgage amount. 
Modify the loan to make the payments lower. I am a single mother of XXXX kids. I am trying to keep my kids straight, keep a roof over their heads and send them to college. 
This whole mortgage fiasco is set up to take advantage of naive trusting consumers such as myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: CA

Complaint narrative:
The below three account do not belong to me, i have never done business with them, never received medical service from them and this is stopping from by buying a home and cause even more hardship during this horrible time during this pandemic. This info is on my credit report, I have tried to contact them and get no where. this IS FRAUD. 

Account Name XXXX Opened XX/XX/XXXX Balance {$190.00} Account # XXXX Account Name XXXX XXXX Opened Date XX/XX/XXXX Balance {$470.00} Accoun # XXXX Account Name Opened Date XX/XX/XXXX Balance {$400.00} Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: MA

Complaint narrative:
I gave them a call today at DIVERSIFIED ADJ SVC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX ) XXXX They said they have no record of me in their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
got a promotional store card through wells fargo on a 36 months no interest. i get a minimum payment of {$77.00} then a year later i purchase another item. then i get a minimum payment of XXXX which is fine but then fast forward a year later and wells fargo is saying the purchase the year prior had a 12 month 0 interest and the promotion is gon na run out but yet they make me pay combined payments with 2 separate promotion periods. they act in bad faith by not allowing me to pay each item off separately so i cant allocate my own money. and with the credit card being a 36th month card promotion, they act in bad faith by not honoring that card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-15 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: Carter-Young, Inc.
State: GA

Complaint narrative:
On XXXX XXXX2020 I notified XXXX  of an invalid account on my credit file. The account is identified as Carter-Young INC. Under federal laws and FCRA guidelines section 609, I requested XXXX to investigate the account for validation and accuracy. XXXX exceeded the 30 investigation period therefore XXXX is in violation of FCRA section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: CA

Complaint narrative:
The below three account do not belong to me, i have never done business with them, never received medical service from them and this is stopping from by buying a home and cause even more hardship during this horrible time during this pandemic. This info is on my credit report, I have tried to contact them and get no where. this IS FRAUD. 

Account Name XXXX Opened XX/XX/XXXX Balance {$190.00} Account # XXXX Account Name XXXX XXXX Opened Date XX/XX/XXXX Balance {$470.00} Accoun # XXXX Account Name Opened Date XX/XX/XXXX Balance {$400.00} Account # 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 2020-07-15 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: CA

Complaint narrative:
The below three account do not belong to me, i have never done business with them, never received medical service from them and this is stopping from by buying a home and cause even more hardship during this horrible time during this pandemic. This info is on my credit report, I have tried to contact them and get no where. this IS FRAUD. 

Account Name XXXX Opened XX/XX/XXXX Balance {$190.00} Account # XXXX Account Name XXXX XXXX  Opened Date XX/XX/XXXX Balance {$470.00} Accoun # XXXX Account Name Opened Date XX/XX/XXXX Balance {$400.00} Account # 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 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: TX

Complaint narrative:
LJ Ross Associates collecting for XXXX XXXX XX/XX/2016 Paid Debt Creditor Refuses to Remove debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I took out a payday loan in XXXX thru XXXX XXXX XXXX. The only payday loan I've ever taken out. I defaulted and in XXXX I was contacted in XXXX by a collection agency to settle the debt. Which I did and have a paid in full letter. Then the following month I was contacted again by a separate agency telling me I paid the wrong people. So again I settled the debt and received a separate paid in full letter which I still have. Now 7 years later another company has reported the same debt on my credit file and placed it for collection. I will not pay the same debt again. I want this collection removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I entered my XXXX XXXX XXXX checking account to add an external account in order to connect my Capital One Checking 360 account via a secure and private party XXXX  after successfully entering my username and password and code numbers via SMS. Unfortunately, Capital One blocked me from setting up my external account. I called the Capital One, and the manager XXXX said it was impossible to resolve the issue and they have a right to block me from connecting my XXXX checking account to my Capital One checking account via XXXX. Please let me know how to resolve it with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: FL

Complaint narrative:
In honor of Aquifax. On XX/XX/2020 I received a reply to a complaint I filed. Sorry to hear from you such an answer. I'm not your servant. And not preparing to be, .please as you have spread about me. fraud. So remove it yourself. From all credit companies. Like XXXX. And XXXX XXXX. I complained about use without my permission and in my presence. Against XXXX XXXX XXXX Florida. And you asked me to come up with permits from the police. Something that took me. 4-5 months. Instead of a total. Remove the hard note that XXXX put on me. You have reduced me to your messenger and servant. But sorry you are public servants. And your function. Serve the public. And not the other way around. So take down all the scams you spread about me. You are abusing my age ( XXXX XXXX XXXX ). And that I do not know a language. So request you will teach your employees. How they are supposed to serve the public. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Forest Recovery Services LLC
State: NY

Complaint narrative:
To Whom It May Concern : I, XXXX XXXX, am disputing an account that was added to my credit report. under the name of ; FOREST RECOVERY SERVICES. Account Number XXXX DATE opened XX/XX/XXXX. I am unfairly being penalized for a service I received in an emergency room, at XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. My insurance covered all my service. My balance when I was discharge at the hospital was {$0.00}. I am a XXXX low-income woman who is insured by NY XXXX and XXXX. I became aware of this account because I received an alert from my credit monitor. I immediately contacted the hospital and was told my balance was {$0.00}. I strongly believe this is an injustice towards me. I have the patient account statement documents to prove my service was covered by my insurance. At no time the doctor informed me I will be charged additionally. I had job offers and opportunities refused because of this negligence. The outcome of this wrongdoing has caused me emotional distress. Please help me seek justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I refinanced my home and the new servicer ( Amerihome ) has failed to pay insurance via escrow as it is supposed to. I'm going to be dealing with a cancellation in a few days if they don't take care of the problem, but their customer service is functionally unreachable ( it disconnects me after I called and spent half an hour on hold ). 

I don't believe I have any right to change servicers, but these guys are wildly incompetent/failing to provide essential customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
In early XXXX of XXXX, I received notification from Fay Servicing , LLC informing me that they will hereby service my loan from settlement on XX/XX/XXXX, from a previous lender. 

As per the settlement HUD, a total of {$1600.00} was deposited with the lender as follows : County taxes ( {$890.00} ) Hazard Insurance ( {$740.00} ) On XX/XX/XXXX, Fay Servicing , LLC applied the full amount of {$1600.00} into the Escrow account. 

On XX/XX/XXXX, I received an Escrow Analysis from Fay Servicing , LLC claiming a shortage of {$1900.00} in the Escrow account. Despite the {$890.00} tax amount already deducted at settlement, Fay Servicing paid an additional Township tax of {$2500.00} on XX/XX/XXXX for tax year XXXX. The alleged tax payment amount of {$2500.00} is inaccurate and nearly 4 times greater than the annual estimated tax rate as per the XXXX property assessment value calculation. 

However, this incorrect amount was used to determine the alleged shortage, the required low point and other calculations resulting in a new Escrow payment amount of {$320.00}, an increase from {$160.00}, effective XX/XX/XXXX. 

On, XX/XX/XXXX, I contacted my account representative via phone and he stated that he would look into it but never followed up. I proceeded to contact Fay Servicing again on XX/XX/XXXX and was transferred to a new account manager who told me that the {$2500.00} tax was charged by the City of XXXX and that Fay Servicing simply paid it. I was told to contact the City of XXXX for a tax receipt and Fay Servicing would gladly correct any discrepancies and refund any charges. However, the representative did not offer to furnish any payment receipt ( s ) made by Fay Servicing. 

I contacted the City of XXXX Revenue Dept. and received an e-mail response on XX/XX/XXXX from a Revenue Collection representative clarifying that the property has and active Tax Abatement and that NO taxes were PAID nor DUE for the years XXXX and XXXX. 

I contacted Fay Servicing again on XX/XX/XXXX and spoke with yet another new account manager. As per our conversation, she informed me that she recently acquired the account and was unaware of the issue. She then searched to find that the issue was under review as of XX/XX/XXXX and was not sure when I would receive an update but stated, maybe in 5 days. She also facetiously replied that theres something called a pandemic going on right now and that things are busy. I completely understand. Ironically, Fay Servicing denied me Economic Hardship Assistance due to COVID-19 because the the investors decided that my loan doesnt qualify. 

As of the date of this writing I have yet to receive any correspondence from a Fay Servicing LLC representative regarding this Escrow issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc
State: NV

Complaint narrative:
This company ( Plus Four ) shows up as a collection item on credit report. The balance is {$290.00} and I am being notified the balance keeps increasing. I dont know exactly what medical bill this is for/what services the debt is for. I was not doing well financially at all during the time this collection posted to my credit report. I submitted several disputes prior, yet the debt keeps posting and I have not received any information what this debt is actually for. I desperately need this off of my credit report it is ruining my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
MERCANTILE ADJMNT BUR Paid-However creditor left on report as open collections. And needs to be removed. 
XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: NJ

Complaint narrative:
I was notified by phone on XX/XX/XXXX by Midwest Recovery Systems that I owed an outstanding debt of {$450.00} and to call XXXX. When I called I was informed that they were a debt collection agency that had acquired my debt on XX/XX/XXXX from a payday loan from XX/XX/XXXX from XXXX XXXX  and that they had just put the debt collections on my credit report. When viewing my credit report Midwest Recovery Systems list the date of the debt as unknown ( instead of XX/XX/XXXX ). This debt, which I disputed as I was unemployed XXXX and never received a payday loan during this time, would be coming off my credit report in 11 months even if I lose the dispute, but where they fraudulently submitted unknown for debt date it will remain for the next seven years. They also told me that I can not dispute the debit until I pushed and became angry. The statue of limitations to collect a debt in NJ is also 6 years and yet they submitted date as unknown when they clearly know what the date is as they reported it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Repeatedly tried to fund my account on XXXX with no success

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: FL

Complaint narrative:
Experian makes is very difficult to place/remove a credit freeze on your account - unlike other reporting agencies where you can simply login with a user name and password to enable/disable your freeze -- Experience requires you to fill out a lengthy form, with a pin and address history, social security number etc. Which if you fail just one attempt, you are then not given another attempt, you are instructed to mail your request in, which is ridiculous if you need your account frozen ASAP. If you DO happen to answer everything correctly, and move on to the next step, then you are instructed to answer a questionnaire based on questions in your credit file, which again, if you get one or  two wrong, you fail and are instructed to mail in your request. If all else fails and you have to mail in your request, then the authentication process is EXTREMELY difficult, because it becomes a back and forth of snail-mail letters which accomplish nothing. This is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have several medical debts that i am trying to dispute. I was told i had to fill out some paperwork and was not in a clear headspace during these hospital visits, but i had asked several times if i would be liable for these bills and they told me no. They told me to fill out paperwork next thing i know i am checking my credit reports and i have collections that i was not aware i had. I tried disputing online, and i tried calling many times to no avail. And with the COVID many people are out of work, including myself so i am trying to dispute all three medical debts that i was told i didn't have to worry about. I have made dispute calls to XXXX  and XXXX, and will make a call to XXXX  as well right now. I just am having no luck with these companies ( CMRE/XXXX/XXXX XXXX ) Everyone i contacted for customer service through the credit bureaus have been great. 


XXXX XXXX XXXX : XXXX on XXXX XXXX app. 
Customer service for the agency said it was XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
My ex wife was contacted by XXXX XXXX XXXX with an urgent message for me to call them In regards to a legal matter. When I called them they said I owed {$2200.00} for a loan I got from ACE Cash Express back in XXXX and that I was going to be sued for writing a bad check. Thru tried to get me to settle the matter for {$1300.00}. They had my birthday, SSN and email address. I told them I would call them back after I looked into this. I did not take out this loan. I called them back after doing research on their company and saw that they have had numerous complaints about this issue. I left a message for them to call me back, stating I was going to file a complaint with you. Im not sure how they got my info or my exs number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: NV

Complaint narrative:
The information on the Experian Credit Report is incorrect with the exception of one name, one address, one year of birth. That correct data is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV XXXX DOB XX/XX/XXXX, and with one state ID ( no drivers license ) NV State ID = XXXX I was XXXX during the XXXX XXXX into the early XXXX XXXX 

The creditors - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. 

During the years I supposedly went into debt with these companies, I was XXXX and not only unable to use their service but had no access 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