vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
In XX/XX/2020 I spoke to a rep at Well Fargo Auto and I told them I was having trouble with making my payments due to my work situation. 

I made arrangements and everything was ok until this past week XX/XX/2020 I was to make a payment on my loan and I spoke to a representative at the bank letting them know that my account was compromised and that I would be sending in a payment by wire transfer rather than through my checking account. 

Because the bank closed my account due to it being compromised. Before I submitted the transfer I called to get more information to make sure it was correct and they stated that it was too late to make the payment and that I was told the wrong information from the previous Well Fargo auto rep I spoke to on the phone.

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 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i want for All disputes that where open with Equifax From XXXX  XXXX to be withdrawn and i want for equifax to force and report the information from XXXX  XXXX on my equifax credit report the information was disputed from my equifax report without my permission and i also contacted XXXX  XXXX and told XXXX  XXXX that the information about my credit card account is not showing on my equifax credit report capital told me unfortunately that the accounts get reported to all 3 credit bureau and XXXX  XXXX keeps advising me to contact equifax to fix this problem and also XXXX  XXXX told me they cant do anything to fix this problem i uploaded a statement from the credit card account and equifax needs to correct this information on my credit report. that why am not accepting equifax response Equifax needs to fix this and i want for this account to report again on my report please add the XXXX  XXXX account back to my equifax report My Social Security : XXXX Date Of Birth : XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX regarding the issue with my account # XXXX being paid in full on XX/XX/XXXX ... She advise me that the account was closed and should have been removed from my credit report. However, I am being given the run around on the phone because she says that her department doesn't submit that communication, their third party collection agency called Credit Collection Services @ XXXX. I paid the creditor directly on their website to resolve the past due and it has been paid in full. The communication to the debt collection agency department should have sent the requested communication. I need some assistance, I work full time, and with my children in virtual learning I am stretched with trying call, then waiting hold for a long period of time to speak to no one and get no where, then to have to call back again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: CA

Complaint narrative:
I received a letter from DCM Services , LLC requesting identity of the person with authority to pay debts of my husband 's estate. My husband died 2 years ago and he/his estate had no outstanding debts of any nature. I have never received any notices of amounts due to anyone. There is no information regarding amount due or name or nature of debtor. This appears to be a phishing scam. I called the phone number listed and left a voicemail advising them that he had no debts and not to send any more similar mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
I have been trying to get into contact with the National Collegiate Trust, or NCT, in regards to coming to a settlement on my loan. They do no have any contact information available. The company that they use to service the loan, American Education Services, ( AES ) has refused to give me contact information for NCT. I have called and spoken to several supervisors, who have given me false contact information for some other bank - XXXX XXXX XXXX  - who have no idea why AES is giving out their number.

In short, I can't reach anyone to get any information or negotiate a settlement for my loan.

Furthermore, CFPB issued a lawsuit against NCT in 2017. 
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-national-collegiate-student-loan-trusts-transworld-systems-illegal-student-loan-debt-collection-lawsuits/ I have since been made aware that NCT has been the subject of multiple lawsuits, and that my loan may be eligible for discharge.

I would like for NCT to provide me with irrefutable proof of ownership of my loan. If they can not provide this proof, I am requesting dismissal of the loan, and repayment of any and all payments made by myself to them on a loan they have no legal ownership of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX AES account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I can not acquire another bank account due to XXXX XXXX  sending me to collections. A transaction occurred through a third party payment solution company called XXXX. This transaction put my account in a negative standing of about $ XXXX in XX/XX/2020. I was completely unaware about this until I received a letter in the mail in XXXX stating that if I dont pay I will be sent to collections so I immediately took action and payed the negative balance along with a late payment totaling about {$400.00}. Once, I paid in full I decided to close the account at that time. I then found out in XXXX of 2020 that XXXX XXXX  had put me in Chexsystems. This has hindered me from getting a checking account and to further my credit. I paid the amount owed and the late fee the same day I received a letter warning me. I need this to be removed. Ive contacted XXXX XXXX  and they said it shouldve never got sent to 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
Consumer complaint received 2020-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paided using paypal was told my payment was invalid by the merchant and had to use my credit card to complete the transaction paypal refused to refund me my money even after i send proof showing i was forced to pay with my credit card and the merchant agreed to refund me i am still waiting on my refund and paypal denied my case two times

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-26 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: CO

Complaint narrative:
Been asking them to remove extended fraud alert every time I call they say my information doesnt match I have sent in documentation certified mail with return receipt which I have got back and still no changes also none of my credit files are reporting mostly everything is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have never been late on the following account and requested physical verification of late payments and never received this information. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX 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
Consumer complaint received 2020-10-26 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: TX

Complaint narrative:
Ive been going over my credit report and I saw some incorrect accounts that were on there. 
I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.

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 2020-10-26 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: NC

Complaint narrative:
I was never late on this account, please provide physical verification for late payments. 

XXXX 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
Consumer complaint received 2020-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
please see complaint # XXXX It has been closed, but there still has not been a satisfactory resolution to the complaint. 
We were automatically enrolled in a forbearance program, we were misled/lied to on every account regarding the process, and now after being told if we signed a HUD modification loan, the account would be brought to current. We have been making timely payments since XXXX, as XXXX, XXXX, and XXXX payments were during the 3 month forbearance program, and were supposed to have been moved to the back end of the loan penalty free, again, we were automatically enrolled, we did not ask for this, now our XXXX thru XXXX payments are showing on our statements as being applied to the " delinquent payments '' of XXXX, XXXX, XXXX. What HUD Doc 's did we sign, and where did that money go? 3 monthly payments total {$4500.00}, Wells Fargo is claiming we owe # XXXX in delinquent payments. I believe we are being defrauded by wells fargo and would be grateful for any assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
XX/XX/2020 I received an email from Lexington Law and theyre making up lies and charging fees that I was never aware of. I will NOT be paying any of those fees due to unethical and deceptive practices pertaining to my credit repair case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have never been late on the following account and requested physical verification of late payments and never received this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX 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
Consumer complaint received 2020-10-26 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: NC

Complaint narrative:
I have never been late on the following account and requested physical verification of late payments and never received this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: TX

Complaint narrative:
Ive been going over my credit report and I saw some incorrect accounts that were on there. 
I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.

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 2020-10-26 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: TX

Complaint narrative:
Ive been going over my credit report and I saw some incorrect accounts that were on there. 
I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX are double reporting on the same debt on my credit file. As per my understanding, it is a violation of the FCRA for 2 agencies to report on the same debt. This needs to be fixed immediately.

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 2020-10-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I received a letter from HSBC US about my two accounts there, one is a savings account and the other a checking. They are saying they will shut down my account if I don't take action. 

They gave me 3 options to keep the account open. 1 ) Do a transaction, 2 ) call them, 3 ) provide a notarized signature. 

3 ) is prohibitive for me to do 2 ) I tried to do at least 4 times, wasting at least 1.5 hours trying to get someone to answer my question on how to keep the account open. After getting flipped to multiple reps on each call and no one having a good idea of how to resolve this, I eventually gave up on this path. At least 1 time, I got hung up on after being on hold for 20 minutes.

1 ) I tried to do a transaction via their web portal, but they froze me out and asked me to call them. Which I obviously tried to do in 2 ) and was unable to get anywhere after 1.5 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: TX

Complaint narrative:
This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
XXXX XXXX and Knight Adjustment Bureau are double reporting on the same debt on my credit file. As per my understanding, it is a violation of the FCRA for 2 agencies to report on the same debt. This needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account Info Account number XXXX Collection opened XX/XX/2020 Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/2020 Loan Amount {$1800.00} {$1800.00}. 


Payment Info Original loan amount The original amount owed on the account. 
{$1800.00} Balance {$1800.00} Status date XX/XX/2020. 

Contact XXXX XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX. 

This is a re-generating debt. 
This is not accurate and is many, many years old and needs to be removed from 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 explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been contacting Equifax since XXXX of this year 2020 to update my information. I have faxed, called 8 times, only to be told 8 different stories about why I cant personally see my account along with why my account has not been updated since XXXX of this year 2020. They tell me they will do an investigation and get back with me but no one has gotten back with me or fixed this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient is currently showing my loans as 30 days late, even though they are deferred by the Cares Act. The deferment from the act is automatic, so there is no reason they shouldn't correct and update this information on my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Opened a dispute with Experian and subsequently uploaded supporting documentation that I had autopay on a loan with XXXX XXXX. XXXX XXXX failed to withdraw the amount and reported me as being 30 days delinquent. I then paid off the loan and XXXX XXXX never corrected the issue that I was tagged as being 30 days late that month because of them. Experian agreed with XXXX XXXX and refuses to fix my report despite having proof that XXXX XXXX acknowledged autopay was in place. I have contacted XXXX XXXX to resolve this issue and they initially said just to open a dispute. Since XXXX continually reports their mistake as " accurate '', they provided an email address for assistance with the issue. Experian simply takes their word over evidence to the contrary. I opted to partake in the autopay program specifically to avoid such " we didn't receive your check in time '' claims.

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 2020-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I bought a bed from XXXX on XX/XX/2020 I bought it on lease from Acima I Paid XXXX that day and took on a lease. On XX/XX/XXXX I returned the product to XXXX. I no longer have the property. Despite the property being returned they charged me again on XX/XX/2020 XXXX and are trying to get more money from me despite me returning the product and threatening late fees. I am no longer responsible for this and need a refund and for them to leave me alone. So I paid XXXX for something I do not have. And they are trying to make me jump through hoops and pay for things I already returned.

Company response to consumer: Closed with explanation