vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
I used XXXX XXXX XXXX in XXXX, WI XXXX Therapy in XXXX XXXX, WI and paid my copays regularly. XXXX billed me incorrectly omitting copays which I sent proof of payments made on my credit card on XX/XX/2019. I requested XXXX 's XXXX Department to adjust the billing for any missing copays and I would pay the bill. I have not received any response from XXXX on that or any other correspondence I have sent them. I was able to account for {$50.00} of copays which I had not paid and paid them to XXXX on XX/XX/2019 but I sent the payments to XXXX XXXX XXXX XXXX in Maine. After I discovered this I called XXXX and told them of my error and asked them to adjust the account there and send the credit to the Billing Department for XXXX XXXX XXXX XXXX under which both XXXX XXXX and XXXX XXXX XXXX. XXXX refused and told me they were holding my {$50.00} as a credit against any future billings. XXXX turned a bill of {$25.00} over to Alliance Collection Agency in  XXXX, WI. Alliance has sent me letters 5 times despite my telling them their client had received payment and sending them letters back indicating I did not owe XXXX and citing XXXX lack of response to my letters and legitimate request to straighten out the payment incorrectly sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Today is XX/XX/XXXX. I have been contacting Citibank for the past month and a half. The issue is I've been trying to get my bank statements from the beginning of XXXX to the end of XXXX. I don't have an account with them anymore. I've called multiple times and have gone to many branches. The branch would tell me they don't have access to my old account and tell me to call corporate. Corporate would then tell me that they don't have access and that I have to go to a branch. I need these statements ASAP for tax purposes. The IRS sent me a letter stating they need proof of income for those specific years and the bank statements are the proof I need my deadline is the XXXX of XX/XX/XXXX. I don't have that much time!!! I'm just looking for someone that can help me resolve this issue.

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 2020-01-07 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: National Credit Systems,Inc.
State: IL

Complaint narrative:
Since 2017, XXXX XXXX and national credit systems say i owe {$23000.00} dollars when i don't. As a result i have been denied XXXX mortgages. I filed XXXX disputes with XXXX   and XXXX and supplied court documents. XXXX removed that alleged debt from my credit report. The debt is not mine, and/or not truthful. I even submitted the court documents to XXXX and XXXX and national credit ststems. I have no judgements against me from anyone. 

The refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Avid Acceptance, LLC
State: NC

Complaint narrative:
On XXXX XXXX, XXXX I was in a car accident. The deductible to repair my car was {$500.00} so on XXXX XXXX, XXXX I contacted the company the car is financed with to notify them what had happened and I requested a payment extension for the month of XXXX to help cover the deductible. The finance company is Avid Acceptance and the agent I spoke with is XXXX XXXX. The contact info I have is XXXX ext XXXX. I was told I could have an extension for the month of XXXX and he emailed me a document on XX/XX/XXXX stating as such. The email and form said to reply to the email that I accept the terms and it would be processed, which I did. I assumed the matter was taken care of until I received a voicemail from someone at Avid Acceptance named XXXX, same number but her extension is XXXX, on XX/XX/XXXX claiming to be XXXX XXXX supervisor and stating that I had not responded to the extension document, which I had. Upon returning her call that day I was connected with XXXX again who informed me that the XXXX extension had not been processed and I would need to make the payment and he would try to defer XXXX to get me on track. This was also sent in an email from him to me on XX/XX/XXXX. On XX/XX/XXXX I was again contacted by this 'XXXX '' who never seemed to want to talk after leaving a message to contact her ASAP, again I was connected to XXXX who gave me the run around again and was adamant about me making a payment for XXXX. My credit report was also reported as a late payment over 30 days at this time. On XX/XX/XXXX I  submitted a payment in the amount of {$400.00} which was supposed to be my XXXX payment due on the XXXX but was in fact credited as payment for XXXX. I began calling everyday to speak with either XXXX or XXXX and emailed also with no response as of today. I have recorded phone conversations being told over and over that XXXX and/or XXXX are busy or out of the office with different agents asking to help me until I explain the situation and its passed on. I am concerned they are avoiding the extension that was promised and trying to destroy my credit in the process. I am currently in Chapter XXXX and this finance company was selected by my trustee as the car was purchased while I am in bankruptcy. My monthly funds are limited and I requested one simple extension which In writing looked legit but no one can seem to make happen in reality. I have documentation, voicemails and recordings to support my claim.

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 2020-01-07 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: GA

Complaint narrative:
I was car shopping on XX/XX/2019 and found a car that I was interested in at XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX XXXX, GA XXXX I expressed to my sales rep that I did not want to apply for financing yet before looking at my other options because of the hard inquiry. He literally said that it would not do a hard inquiry and that I should at-least see if I'm approved before leaving. So he talked me in to it ***as long as it did not do hard inquiry*** XXXX & XXXX CA XXXX did a hard inquiry on my credit that day, XX/XX/2019, unauthorized. 

I can not find where to dispute this with the companies. 

The next day I purchased a car at another dealership. The XXXX inquiry on XX/XX/2019 was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
This has been going on for almost a month now, I have been dealing with my vanilla they froze my account in XXXX and will not release my funds back to me, I sent the verification email to XXXX 3 days ago and still they say they have not gotten it, this was on XX/XX/2020 and I need my funds loaded back to my card immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Comerica
State: CA

Complaint narrative:
I applied for a credit card from XXXX  XXXX  and they checked my credit numerous times I was on hold a few hours with XXXX XXXX XXXX I was not resent my approval also they mailed me over several credit decisions and XXXX XXXX ran my credit while I was on the phone telling them to absolutely not run my credit because my credit was good now its the lowest its ever been they have sent over ten messages, text messages, and mail to me please have them remove all the credit inquiries that were unauthorized and put me on the do not call/ email/ mail any harassment also why was I on hold so long without it ever being answered I no longer want a credit card with XXXX  please keep this private.

Also I submitted a complaint with the XXXX  against direct express Comerica Bank for having been on hold for four hours and after the completion of the call the card was sent to the wrong address they are sending me harassing voicemails, postcards, and rude when I did call for my replacement card. Isnt it protocol for a business to only respond through the XXXX to contact me? I am disputing a flight that was canceled, unauthorized use of my card ( I did include the police report ) and a debit adjustment. I mainly want to know why my dispute was denied before the statue of limitations run out, thank you! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I found out my name is in the Wells Fargo database not attached to any account and I asked to have my name and address removed from their database I've never had an account personally with Wells Fargo bank I was XXXX of a political club which had an account at Wells Fargo but I left that position over seven years ago I've never had any other business I've gone to two branches to ask that my name be removed from the database and they said they can't do this and I don't understand why if I want my name removed from the database they won't do it can you please help.In their database I am listed as XXXX XXXX address XXXX XXXX XXXX in XXXX XXXX XXXX and I don't understand why I am in their database and how can I get my name removed.

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 2020-01-07 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been trying to remove the security freeze off of equifax for 30 days. I'm so tired of these foreign people. I've sent in passport, drivers license and utility bill and they keep giving me the run around. Talking about I have a mixed file. I have no issues with XXXX or XXXX. I just moved and updated my address with all 3 credit bureaus and sent in all documents. I will also attach documents along with this complaint. I keep getting hung up on when I call. So I want to file a complaint and if this doesnt get resolved. I will file a law suit against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: IL

Complaint narrative:
Since 2017, XXXX XXXX and XXXX XXXX XXXX say i owe {$23000.00} dollars when i don't. As a result i have been denied 2 mortgages. I filed 3 disputes with XXXX and equifax and supplied court documents. XXXX removed that alleged debt from my credit report. The debt is not mine, and/or not truthful. I even submitted the court documents to equifax and XXXX and XXXX XXXX XXXX I have no judgements against me from anyone. 

The refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: IL

Complaint narrative:
Since 2017, XXXX XXXX and XXXX XXXX XXXX say i owe {$23000.00} dollars when i don't. As a result i have been denied 2 mortgages. I filed 3 disputes with experian and XXXX and supplied court documents. XXXX removed that alleged debt from my credit report. The debt is not mine, and/or not truthful. I even submitted the court documents to XXXX and experian and XXXX XXXX XXXX. I have no judgements against me from anyone. 

The refuse to remove it.

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 2020-01-07 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: FL

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2020-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I have been enrolled in PSLF since I graduated XXXX school in XX/XX/XXXX. I believe I was officially enrolled as of XX/XX/XXXX. I was initially with XXXX XXXX, then XXXX and now Fed Loans since XXXX. I have been having issues with my number of loan payments being reported inaccurately. I have not missed a single payment since I enrolled in PSLF. In fact I overpaid by accident about 2 yrs ago and it put me in " Paid Ahead '' status. I still continued to make monthly payments even though it said I owed XXXX dollars. I asked fed loans to do a manual count in XX/XX/XXXX. They responded back to me in XX/XX/XXXX stating that they corrected my counts but did not provide details of what exactly they corrected. They told me that they were going to provide me an excel file that shows all the payments that were counted but I still have not received that. They also sent me a letter in XX/XX/XXXX that showed how many payments were counted from each of the employers for whom I turned in the employment certification for. I did my 2 year fellowship at XXXX ( XXXX XXXX. XXXX XXXX ) at XXXX XXXX. The letter dated XX/XX/XXXX shows that ZERO payments are counted from when I was at XXXX XXXX, even though I turned in my employment certification. I asked Fed Loans to correct this but have not heard back from them still. I had initially used GL Advisors to help me enroll in PSLF in  XXXX. I learned from Fed loans that they did not turn in all the paperwork for all my loans at the same time. So I understand that the starting date of my loans might be off by few months, however I think they just completely missed 2 yrs worth of payments when i was in fellowship XX/XX/XXXX-XX/XX/XXXX, or else maybe when I was in paid ahead status, they did not count those payments, I am not sure. It has been extremely frustrating dealing with Fed Loans trying to get an accurate loan payment count. The last employment certification I turned in was in XX/XX/XXXX for my current employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I went to a Wyndham sales presentation on XX/XX/2019 at XXXX XXXX, Tennessee. I am a Wyndham owner and already have a Wyndam credit card. 

When I was speaking to the salesman, I was clear that I did not intend to make a purchase, and told him that both my husband and myself have Wyndham credit cards. The salesman asked us to make sure our account information was up to date and had us sign a statement that it was. 

About 10 days later, I received two notices fr om Barclay 's Bank, stating that we did not qualify for the credit cards that we applied for because we already had open accounts. I have been in contact with dozens of Wyndham owners who have been lied to and tricked into having a credit report run this way. It is a pervasive problem throughout the Wyndham franchise.

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 2020-01-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have attempted to login to Transunion 's online dispute portal. I have encountered two error messages and a page that requires my waiver of rights before I'm able to view the results of dispute, of which there is none after logging in. 

Transunion appears to be retaliating against my family after my wife, an account holder on my XXXX XXXX credit card, submitted a dispute for the amount of the credit card. The credit card had been paid in full and Transunion was taking weeks to update the balance. Transunion negated her credit score which reflected her as still establishing credit when her score was XXXX. We battled weeks with Transunion to get them to report correctly after XXXX XXXX had sent them new reports reflecting a XXXX balance. Transunion stated it could take 60 days. 

Now I am unable to submit a dispute online? I have screen shots showing the difficulties I've encountered : It should not be this difficult to simply access the dispute process. This is more than just poor design, this is either incompetence or retaliation. At this point it seems Transunion is retaliating against my wife and I for simply trying to improve our scores so we can make a motorhome purchase. Transunion has made this process extremely difficult and wasted days of our time trying to resolve this matter so we can get to the next step.

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 2020-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I have been attempting to short sale my property for several months. I received a HUD Approval to Participate in a pre-foreclosure sale in XXXX. It took a few months to obtain an offer that meets the ATP terms, but one was finally received and faxed to Flagstar on XX/XX/2019. The assigned underwriter, XXXX XXXX, advised the file was selected for audit and should be completed by XX/XX/2019. That date came and went, but we have received no short sale updates. Worse, Flagstar is now refusing to take any accountability for receipt of the offer. XXXX adamantly asked that my agents stop contacting her via email for updates and only call to the account management team via phone. When they call the account management team, anyone they talk to, two agents now ( XXXX and XXXX ), both advise several times now that XXXX is the only person who can give an update on the short sale. While my agents have emailed XXXX back with the account management teams rebuttal that she is the only one who could provide an update, she has stopped replying to us all together and we remain completely in the dark. The buyers are requesting updates and I am concerned that Flagstar 's staff 's lack of accountability and games in pointing the finger back at one another will lose us this buyer and I will be needlessly forced into an avoidable foreclosure.

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 2020-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: CA

Complaint narrative:
I have no known binding accounts and or financial contracts with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: AL

Complaint narrative:
I called in to set up a payment to come out on XX/XX/2019. When I spoke with the representive I told her I wanted to pay a little more than the payment. She stated that you shouldn't go over the amount paid cause it would not be applied to princple. I asked the representive what happened to all the money that has been overpaid on this account. The representative stated that it may be in your reserve. Once she got back on the phone she stated that there was nothing in the reserve account because I have been delinquent since the start of my payments for this account. I asked could I speak to a manager. A manager was placed on the line I told her that the information was incorrect and I should not be delinquent on the loan because I am paying what is due per the online website. I told her if there was a past due amount it was never told to me and does not say that on my account once payment is made. I told her I pay whatever is should on my profile. This means that you all ( Lending Point have been inaccurately reporting negative information on my credit and also have inaccurate information on my account via the website that I ( the customer ) is unaware of. The manager stated that she would speak with the tech team to let them know of the issue and that she can only modify the loan to remove the late payment. The manager also stated that any overage that I have been paying goes to the interest of the loan.

Company response to consumer: Closed with explanation