vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
XXXX could not write this : On XXXX XXXX I asked XXXX XXXX XXXX to send me a new order of checks as I only had one left. 

On XXXX XXXX without my authorization or knowledge my check account and my brokerage accounts were closed! The money in my taxable account without my authorization or knowledge was withdrawn by XXXX XXXX XXXX and a check was allegedly sent to me that I have not received! I objected to my accounts being closed! 

Mr. XXXX XXXX from the consumer advocate 's office told me on XXXX XXXX that both accounts had been closed but were now open again. 

I checked my accounts on line this morning, XXXX XXXX, and discovered that there was no taxable account. I called Mr. XXXX who told me that myh accounts had again been closed! I protested. He called back later this morning to tell me that my accounts were open again! 

This is a comedy of errors that must never be repeated either for me or for anyone else who is a costumer of the XXXX XXXX XXXX XXXX XXXX XXXX. 

I still do not know, in fact, if my accounts are open or closed or if they will be closed again without my authority or knowledge!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Check Resolution Inc.
State: OH

Complaint narrative:
XXXX XXXX left a very threatening message on my work voicemail that I have saved. I have faxed and emailed Cease and Decease letters to NCR so I left a voicemail invoking this. But they are still calling work and family members

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
Because of a security breach, I have a credit report monitoring program. I was notified recently of a new item on my report. It was a collection notice lodged by Commonwealth Financial Systems , Inc. located in XXXX XXXX, Pennsylvania. I contacted Commonwealth and was advised that a woman using my name, my date of birth and my social security number had incurred charges in the amount of {$530.00} at the emergency room ( XXXX XXXX XXXX ) at XXXX XXXX in XXXX on XX/XX/XXXX, for her minor child XXXX XXXX. Based upon that information, and believing I was a victim of identity fraud, I filed an incident report with XXXX XXXX Police on XX/XX/XXXX. It is incident report number : XXXX. I also filed an identity theft report with the FTC- # XXXX. 
I was able to contact a XXXX. XXXX XXXX, in the financial office at XXXX XXXX. ( Her contact is : XXXX. ) She was able to locate the account in question. She advised that the person who had incurred the charges was an XXXX XXXX XXXX and that no date of birth, nor social security number had been provided. XXXX XXXX also had an address on XXXX XXXX in XXXX XXXX. Finally, XXXX XXXX indicated that she has seen this happen many times. A collection agency will find someone in the geographic vicinity with the same or similar name and implement collections against them. Needless to say, I was not the victim of identity fraud committed by this woman, but was the subject of unscrupulous practices by this collection agency. Commonwealth did  not take any effort at all to confirm the identity of the debtor, they just placed the derogatory information on my credit report. While this may be no big deal, if they are doing this regularly, they should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
A new collection listing on my TransUnion credit report under the name XXXX XXXX, account XXXX for the amount {$710.00}. The original creditor is XXXX. This fraudulent account was previously Blocked from my credit report and belonged to XXXX XXXX at the time. This is a fraudulent account and XXXX   has no business placingn it back on my file. I intend to file charges against XXXX for damages to my credit. This is my Identity Theft Report to Permanently Block XXXX off of 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 2018-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
I filed a Ch XXXX bankruptcy in XX/XX/2018 which included several accounts from Med 1 Solutions ( XXXX XXXX ).  The particular account # XXXX. I have disputed the account with XXXX and provided supporting documents showing the debt to XXXX showing it was included in the bankruptcy. XXXX contacted Med 1 and stated to me that this collection is valid. I sent Med 1 Solutions a copy of my bankruptcy document and they refuse to update my XXXX credit report showing included in the bankruptcy. It stills shows owed and not included in the Ch XXXX   bankruptcy. This has been going on for more than 6 months and at this point I do not know what else to do to rectify the situation. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
This all started in XX/XX/XXXX. I had a XXXX XXXX credit card that was financially backed by HSBC. I could no longer pay due to unemployment and it went to bad debt. Eventually HSBC discharged the debt ( was written off ) and the account was closed. 

On XX/XX/XXXX I was notified by my bank, XXXX, that somehow the XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX had acquired my credit card account information and was requesting any payment information. Is that legitimate? I mean how did he get my credit card account number? 

Does this go beyond the statute of limitations? 

I was never sent a notice through mail of this subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had unknown accounts as well as 2 unknown Bks appear on my credit. I was not even aware you could file for bankruptcy twice .... anyway, I disputed the information with the bureaus because I thought it was an error and they merged my file with someone else. However, they verified the information as belonging to me, but its not!!!! 
I went to my local police department and filed a police report and sent that information to TransUnion and they have ignored my dispute and the accounts remain on my credit. 

XXXX XXXX Police Department Case # XXXX FTC Complaint # XXXX XXXX XXXX XXXX XXXX XXXX Court 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 2018-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: AZ

Complaint narrative:
On XX/XX/18, I reached out to XXXX XXXX in regards to a charge-off that I noticed on my credit report. After waiting to hear back from a dispute that I opened through XXXX, it was noted that XXXX XXXX was not willing to budge on this. I first spoke with a gentleman named XXXX XXXX. When I was speaking with XXXX, I expressed the issue at hand. He first was upset that I did not update my address immediately with him. I expressed how due to personal issues, housing was not consistent and there was no address to update with him for a good period of time. Then, after hearing the amount due, I offered to make small monthly payments but they refused. I was told that if I do not pay the full amount due now, they would report it to a third party which would then in return not allow me to get future jobs of liscenures. I was then told that I need to ask family, friends, and coworkers to pay the amount. I told them I have no-one to ask and I then was hung up on. I then called back, spoke to a supervisor and was told I would get a call back. I then recieved a call back from a different supervisor and she again was unwilling to work with me on anything. I stated my situation and they refused to do anything with deferrment post dated. I was on XXXX, food stamps etc during this time, and they refuse to do anything. After speaking with University XXXX XXXX, they are not too sure why the loan was even taken out in the first place. I attempted to then call XXXX XXXX once more, but no answer or return call. The experience has been horrible. I am willing to do small monthly payments, but they refuse. I do not like the fact that I was threatened with my future livelihood, nor the fact that were entirely unwilling to work with me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I HAVE FAXED EQUIFAX FRAUD DEPT FX # XXXX MY FTC REPORT # XXXX ON XX/XX/2018 AND BY FTC LAW EQUIFAX WAS SUPPOSED TO DELETE/BLOCK SAID ACCOUNTS INCLUDED IN THE REPORT ( DUE TO FRAUD ). AS THEY HAVE JUST COMPLETED FOR OTHER ACCOUNTS PREVIOUSLY IDENTIFIED. THIS TIME EQUIFAX HAS DECIDED TO TAKE IT UPON THEMSELVES AND DISPUTED THIS WITH THE ( 3 ) FINANCE COMPANIES LISTED BELOW : XXXX XXXX, XXXX XXXX # XXXX, & XXXX. THIS IS HURTING ME BECAUSE BY FTC LAW IF YOU HAVE A FTC REPORT THE CREDIT BUREAUS MUST DELETE/BLOCK DUE TO FRAUD. I DID NOT AUTORIZE A DISPUTE THIS WAS DONE AGAINST MY WILL. EQUIFAX TOLD ME THAT I WOULD HAVE TO ALLOW 30 DAYS ( WHICH IS FALSE ) EQUIFAX STATES TO ALLOW 5-7 BUSINESS DAYS FOR THE ACCOUNTS TO BE REMOVED/DELETED/BLOCKED. THIS IS LEADING TO ME CARRYING THESE FRAUD ACCOUNTS ON MY CREDIT FILE HURTING MY SCORE TO APPLY FOR ANYTHING, THEREFORE IMPACTING MY LIFE. 
EQUIFAX CONF # XXXX DATED XX/XX/2018 EQUIFAX CONF # XXXX DATED XX/XX/2018 EQUIFAX XXXX # XXXX DATED XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report included fraudulent student loans that were unpaid. I filed a police report and sent a letter to equifax. ( My information was included in the equifax breach in XX/XX/2017 ) They sent a letter back that says they have investigated and found the loans to be mine. That is ridiculous as the person who took out the loans did not have my current address, my current email or my current phone number. They only had my social security number and old addresses - I found this out when I called each university. I am working to discharge all 3 loans with the universities but equifax should be able to remove these from my credit report in the interim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My loans were originated thru Sallie Mae which I never had a problem with once Navient took over my loans its been less than a nightmare. Their customer service is the worst every time you call different information is provided and they keep changing programs without any notification. I was in an income driven program with payments over {$200.00} which was a bit difficult for me and my interest rate changed from 1 % back to a higher rate then when I needed to recertified for the program they state that the requirements changed and the best they can do for me was a payment over {$400.00} which I explained was a bit much for me. Once I asked to speak to a supervisor, the supervisor then stated the best he can do is {$280.00} a month which I explained was too high and he stated there was nothing more that could be done. What is the point of taking a financial statement when they are not setting the payment based on a persons finances. Navient is not willing to help and it is making my experience to pay off my loans a living XXXX. I currently still have a loan with Sallie Mae and its no problems and they are always willing to help. 
Navient needs to be shut down before they ruining more lives financially!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I personally contacted all three credit bureaus ( EQUIFAX, XXXX AND XXXX ) starting in XX/XX/2018 regarding lots of excesive inquiries by auto dealerships and other collection accounts. I demanded by phone and in writing that all inquireries not associated with an active account be deleted/removed immediately from my report. I was told by each bureau that that would conduct their investigation and I would receive an updated report afterwards within 30 days. 

I received the reports in XX/XX/XXXX and XX/XX/2018, however no inquireries were deleted/removed from my report by all three bureaus. Their findings were for " permissible purposes by the creditors :. 

I called each month for four months and only XXXX has deleted inquireries and inaccuate account information from my file. While XXXX  and Equifax insist that their reports are accurate and constantly direct me to call the creditors or provide them with " WRITTEN AUTHORIZATION '' in order to remove/delete inquireries. I mailed written demands to all three credit bureaus. ( see attached ) Please find my fair warning notice and request for deletinon/removal of all negative information from my accounts. 

XXXX XXXX XX/XX/2018 XXXX Certified Mail Return Receipt # s : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC
State: TN

Complaint narrative:
I just received a letter saying that i have a debt for {$590.00} from Pendrick Capital Partners, and I never remember having an account with them or owing any money to them. So i'd like them to give me more info so i can figure out what this debt is for. And I don't want to send them any money just in case if it is fraud account. Because this debt does not show on my XXXX XXXX or any previous account i've closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T Bank offered me a consolidation credit card loan for my XXXX XXXX credit cards. However, M & T Bank sent one of the checks to an incorrect address and after several weeks, M & T Bank is continuing to refuse to provide me with total loan. M & T Bank has forced me to have to pay the debt from my personal bank account as I do not have access to the this portion of the loan M & T sent to the wrong address. Also, M & T Bank lured me into the XXXX, NY branch under false pretenses to sign a letter taking responsibility for M & T Bank 's error of mailing a check to the wrong address and is refusing to provide me with the money even after several weeks. I visited the XXXX, NY branch on multiple occasions ; contacted the M & T Bank customer service ; contacted M & T Bank corporate office ; and M & T Bank is refusing to refund me the money from the loan that M & T Bank lost.

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 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was going over my credit report and I discovered that someone has taken out a XXXX XXXX / XXXX # XXXX. I have never been late on any of my accounts EVER! I have never done any business with XXXX XXXX / XXXX   nor do I have any contracts with them this is a fraudulent account. Someone ran up a account and never paid the bill in my name. I was moving back and forth from XXXX to XXXX and it may be possible I was compromised between the two cities. I Have filed a report with the CFPB and FTC. I have some old address that are not mine showing on my credit report as well XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX 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 2018-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Below is what I've submitted to Wells Fargo. I'm trying to close on a house, and this issue is what is holding it up. I was told that the issue would have a resolution on XX/XX/XXXX, and was told on XX/XX/XXXX that now it won't be resolved until XX/XX/XXXX. Over the last few months Ive had many, many issues in regard to my automated online payments. On SaturdayXX/XX/2018 I logged into my Wells Fargo mortgage account to make sure my automated  payment had gone through, or was pending to submit. On this day, I saw no pending amount on either my checking or mortgage accounts, and nothing was listed in my scheduled transactions. I got nervous, as I didnt want for it to be late and forced a payment through. On Monday, XX/XX/XXXX I received notice that I was hitting an overage fee, as there was not enough money in the checking account, because it was trying to push two payments through to my mortgage. I called and went into the bank to put a stop payment on one of the payments so that I would not continue to receive overages. I strongly believe that this was a technical bug since I did not see any pending payments and would have never submitted another payment if I knew it was coming out. After the issue in XX/XX/XXXX, I was told that everything should be fine and to trust the automated payments going forward. I assumed my XX/XX/XXXX payment went through, as I saw it posted on XX/XX/XXXX and confirmed with an agent that it was paid ( you can look through my login history, and call/ticket history ), only to be reversed by Wells Fargo XX/XX/XXXX. I did not receive a letter from Wells Fargo telling me that the payment was late until XX/XX/XXXX, after the 30 day late payment. I have several calls, office visits and emails requesting to ensure that everything was fine with my account, as I didnt want to be overdue. As you can see it happened again in XX/XX/XXXX, even after I had confirmed with your staff that everything looked fine. I am very disappointed and frustrated as I have a paper trail where I have made payments, only to have them reversed, and only to be told by Wells Fargo that everything is fine with the account. We are now looking to have a child and buy a new house closer to family, but our credit scores have been badly damaged by this issue which I strongly believe stems from a Wells Fargo technical glitch, and several Wells Fargo customer service interactions where I was told the issue looked fine and wouldnt happen again.

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 2018-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a Washington Mutual HELOC that I paid off in XX/XX/2009. The satisfactory of Mortgage that WaMu submitted to the XXXX County Clerk office had the wrong Section, Block and Lot number. I reached out to Chase and they haven't helped me. My chase case # XXXX. I have requested for them to change the section, block and lot number and re submit to the XXXX County Clerk. Im selling my house and there is a lien on the title. This bank error is costing my money. SO far, Chase has done nothing to help me. I need to get this lien ( that I paid off years ago ) taken off my title so I can close on my house. Thank you for your help.

Company response to consumer: Closed with non-monetary relief