vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-30 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: TN

Complaint narrative:
I submitted the attached dispute letter to Equifax via certified mail tracking # XXXX which according to the USPS tracking website was received on XX/XX/2018. The original letter was notarized and included a copy of my TN drivers licence and social security card to verify my identity. To date I have received no notification that my dispute was acted upon and have seen zero activity on my Equifax report in regards to active investigations of my disputed items. I find this an issue being several of these same disputed items were actually investigated and corrected and/or removed from my XXXX and XXXX reports. This is important to me because this impacts my credit score and I find it disturbing that Equifax of all credit reporting agencies would completely ignore my dispute when they are responsible for a massive breach in which millions of consumers are at risk. This is absolutely unacceptable. By law Equifax must consider my request to investigate and if they can not verify that the negative item is true, accurate, and complete, then they must delete it. Equifax was supposed to have responded to my request to investigate within 30 days of receipt. This did not happen and thus I am filing complaint. The FCRA requires that if Equifax can not correct or doesn't verify within the statutory period, they must delete the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I have a mortgage loan with Wells Fargo bank and have been struggling to make payments as a result of divorce settlement. I have been in contact with the mortgage lender several times in phone, email and in person. I have been approved for a short sale, but what I need is a forbearance of payments until we can get the house sold. I've been in touch with the bank since early XX/XX/XXXX asking for assistance and submitted all the paperwork they requested, and have not heard back. I'm a XXXX on full XXXX as well as a XXXX XXXX XXXX, and have served my country for many years and am really disappointed that there is no one willing to assist me. I've been upfront and forthright in the struggles I'm having and trying to be proactive, but Wells Fargo is not responding to my requests so at this point, I'm reaching to the Federal government for help. Please help me.

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 2018-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To whom it may concern : I am writing this complaint due to XXXX XXXX XXXX is trying to collect a debt that is past the FL Statue of limitations to collect ( 4 years ) as well as the 7 years that it should be showing on my credit report. 

The account number to the original account is XXXX XXXX  XXXX XXXX . The XXXX   account number is XXXX. 

The last payment was made XX/XX/2009. I have taken care of this matter and closed my account from XXXX  XXXX XXXX. However I am now receiving these statements from XXXX stating that they are seeking payment for over {$9000.00}. 

With the Florida Collection Limitations and FCRA, XXXX is no longer legally allowed to contact me about this matter, let alone collect a debt that has been paid.

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 2018-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
An amount of XXXX was taken from my account which were unauthorized transactions I reported on XX/XX/XXXX They were credited back to my chase bank account On XX/XX/XXXX they were taken back out stating they were correct The companies XXXX  and XXXX stated they had evidence stating were authorized transactions XX/XX/XXXX XXXX ,XX/XX/XXXX XXXX,XX/XX/XXXX XXXX,XX/XX/XXXX XXXX,XX/XX/XXXX XXXX,XX/XX/XXXXXXXX All totaling XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America can not show who withdrew from the account, or who received the amount withdrawn from the account. The amount withdrawn was {$9000.00}.

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 2018-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
We attended a 90 minutes time share presentation onXX/XX/2018 at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, during our family vacation.The name of the company was XXXX XXXX. While reading the contract, the people asked us to provide them a valid ID and our credit card.My husband told them not to charge anything on our credit card until we sign the contract.We did not sign anything but they charged our credit card in the amount of XXXX US dollars ... We filed for dispute when we saw that they charged our credit card that amount hoping that Citi card would not pay them.Citi card did their investigation, we provided them our letter of what had happened why we filed for dispute ... On XX/XX/XXXX, we received a letter from citi card saying that they are unable to assist us because that was a face to face chip card transaction, that we had provided our credit card to the merchant and they had inserted our credit card into their chip card reader so citi card held us responsible for this charge. We called them many times, explaining to them that we did not signed the contract but they told us that the investigation was closed and that they could not do anything about it. They sent us the bill amounting XXXX. One lady told us from citi card that we need to contact the merchant directly and tell them to refund the money to us directly because they already closed the investigation. 
We did contact the merchant on XX/XX/2018 and we emailed to them the letter that we recieved from citi card dated XX/XX/2018 because they asked for it.The manager named XXXX XXXX told us on the phone that citi card had withdrawn the money from their bank account, so my husband asked, how could that happen? We called citi card if they received the whole amount from the merchant but citi card employee said no, they did not received anything from the merchant. 
Please.. please ... please ... we need your help to solve this problem, we feel so helpless ... 
We attach all the documents concerning this issue on the next page.. 
Thank you so very much and we heartily hope that you can help us .... We don't want to pay the amount that we never use and we don't want our credit be ruined by this incident ... 
Hoping for your kind consideration and understanding ... XXXX bless.

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 2018-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I XXXX XXXX and my husband XXXX request through the Consumer Financial Protection Bureau a motion for my mortgage servicing company Select Portfolio Servicing , Inc. to cease and desist all calls to our home or cell phones about missed mortgage payments. All correspondence must be in written form only from this point forward. We are currently facing several financial matters that has caused a hardship for us and our family and business. Accordingly, we will be requesting a mortgage forbearance while we design a game plan to work out all of our financial difficulties. SPS should submit our cease and desist request and abide by the rules, and assign a mortgage workout specialist to notify us on how to start the forbearance/modification process. Therefore, our request should cease any threats of a foreclosure process, as we will file for bankruptcy if necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called the general customer service number printed on the back of my XXXX Citibank Visa card on XX/XX/2018 around XXXX. After the usual lengthy phone tree and entering all my account information into the automated system, I finally reached a representative who I asked about benefits associated with the use of the card. I was surprised that she didn't know and asked if she can connect to a benefit specialist. I agreed ( what else? ). Sure enough I was transferred to another phone tree and again I had to enter all my account info. I was then promised to be connected to a benefit representative. After half a minute of silence on the phone, the call was ended. At no point in time was there an announcement that the office was closed ; I was strung along in a phone tree that dead-ended. This makes me question if Citibank has any sense of the word " customer service ''.

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 2018-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
Complaint number : XXXX. 
The real problem started with XXXX XXXX XXXX. Account # XXXX. Before they sold my Mortgage to : Freedom Mortgage LLC. Loan # XXXX. 


I sent off the information you requested on XX/XX/2018 Priority mail. Sometime I don't trust mail carrier at all. Even postal services anymore. I think they probably supporting the Leftist Liberal and their Collusion Dishonest Activity. 

The bottom-line is : My VA Home Loan suppose to have a reduce interest rate accordingly. But, somehow they are playing a role of Defiant and Deviant all along obviously.

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 2018-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I RECEIVED A CERTIFIED LETTER HAVING A CIVIL JUDGEMENT AGAINST. I HAVE SPOKE WITH A XXXX XXXX BACK IN XXXX AND MADE PAYMENT ARRANGEMENTS WITH HER A $ XXXX FOR XXXX THE BALANCE OWED WHICH WOULD BE XXXX AND SHE SAID THAT WE COULD DO THAT IF THAT WAS ACCEPTABLE WITH ME AND I SAID YES THAT WOULD BE ACCEPTABLE WITH ME. I SAID CAN I MAKE MY PAYMENT ONLINE AND SHE SAID THAT I WOULD GET A STATEMENT EITHER BY MAIL OR EMAIL. I SAID BY MAIL WOULD BE BETTER AND SHE OK SHE WOULD GET IT SET UP. I SAID SO I ONLY HAVE TO PAY {$1500.00}. SHE SAID YES THAT WOULD BE XXXX OF WHAT I OWE AND THE BILL WOULD BE SETTLED. AS OF THIS DATE XX/XX/2018 I HAVE NOT RECEIVED ANYTHING BUT A CERTIFIED LETTER THAT CAME XX/XX/2018. SO HOW I CAN I HAVE A CIVIL JUDGEMENT AGAINST ME TO PAY SOMETHING WHEN I HAVE NEVER RECEIVED ANYTHING IN ORDER TO PAY. XXXX SAID SHE WOULD GET EVERYTHING SET UP FOR ME AND I WOULD RECEIVE MY STATEMENTS BY MAIL. HAVE NEVER GOTTEN ANYTHING.

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 2018-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I would like to know where I can go to get help with Wells Fargo Home Mortgage. I was wrongfully foreclosed upon in XX/XX/2013, I believe I am part of the group of home owners that Wells Fargo foreclosed upon due to a computer glitch. I believe my account was reported incorrectly and would like some guidance.

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 2018-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: WA

Complaint narrative:
In XX/XX/2016 I noticed a collection entry on all three credit reporting bureaus from NCC Business Services , Inc. ( Acct XXXX ). The original creditor is listed as XXXX XXXX XXXX XXXX in XXXX for the amount of {$4500.00} opened in XX/XX/2016. This debt is for a rental/lease. It is listed as a joint account with XXXX XXXX. I do not have any joint accounts and I do not know anyone named XXXX XXXX. I have lived in XXXX XXXX since XX/XX/2013 and previously lived in XXXX. This is not my debt. I called XXXX XXXX Services and was told that I should contact the original creditor, XXXX XXXX XXXX, XXXX. I sent a letter to XXXX XXXX XXXX on XX/XX/2016, asking that they provide all documentation related to this transaction. I never received a reply to this request. In addition, several requests have been made to all three credit reporting companies to remove this from my credit report and they have all returned as being verified as " accurate, '' which is clearly " inaccurate '' as this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 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: Movement Mortgage LLC
State: NC

Complaint narrative:
My credit was pulled by Movement Mortgage on XX/XX/18 and I received an email from the agent on XX/XX/18 informing me that I did not meet the required XXXX required to qualify for a mortgage loan. He further went on to advise that the next communication I would receive would be from an agency advising what I needed to do to increase my credit score. I was initially upset about this, because I was opposed to having my credit pulled and I was basically urged by Movement to have it pulled. I have a very clear picture of my financial position, and I informed the agent that I didnt want my credit pulled at that time because I wasnt in a position to buy a home at that time. I was encouraged to call Movement Mortgage in regards to a credit repair program. Nevertheless, there was no follow-up with any further information as promised. I was then asked by a buyer 's agent if I would mind speaking to someone else in another Movement Mortgage Office. I said sure, whoever is going to be able to guide me and get me the help I need. 

I received a call within the next day or two from another agent. I was upfront with this individual just as I was with the prior agent. The new agent ask me several questions basically confirming information I provided on my previously submitted loan application but never did we discuss submitting a loan application or pulling credit, because the other office had already pulled credit on XX/XX/XXXX. I am disputing both credit inquiries and would like them removed immediately, because the services that Movement presented and the end-goal was totally misrepresented as presented to me. 

The second agent asked me several questions during our phone conversation, and any information obtained was for the sole purpose of identifying me so that he could retrieve my credit file in Movements system since he did not work in the same physical office as the prior agents. There was never a discussion, nor did I express an interest in submitting a new application. The main concern that I expressed was trying to determine how the middle score was obtained through the first office in my denial with no explanation, because I knew my credit score should be higher. I simply wanted to know if credit scores for mortgages were determined using a different method than general credit applications, and I clearly explained that to the agent. I authorized the credit pull on XX/XX/XXXX however the XX/XX/XXXX pull was completely and totally unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
On XX/XX/18 I received notification that my credit score went down. I researched and found the company Waypoint Resource Group Collections on my XXXX, XXXX and XXXX reports. Theres no account number assoicated with the dept of XXXX. Says the debt was created XX/XX/18. This is an error on my credit. I am sending them a request for orginal documentation with my signature or they need to be removed from my credit report. I am a senior and I feel like XXXX, XXXX and XXXX are not doing their job in protecting consumers. Please help me get this erroneous deleted from my credit report. I can not apply for jobs or apartments that check your credit because of these three major credit companies. Please help me. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/18 I sent {$400.00} via XXXX with Wells Fargo to someone by the name of XXXX XXXX at the email XXXX ( a friend who was registered with XXXX and he was not ), who claimed to have football tickets I was looking for, and he even emailed confirmation of the tickets, which I now know is fake. When I realized this was a scam, I called Wells Fargo and to my astonishment there is absolutely nothing they can do. I thought at the least they could dispute the transaction or file a claim. I feel very unsecure now with my own bank, and am at a loss as to where to turn. Being able to feel helped and secure by a bank is very important to me. I am just a have never been scammed before and being my first time, Wells Fargo has not be helpful in the least bit.

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 2018-09-30 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX has re-aged the DOFD in violation of the FCRA. This is a XXXX   account. Pursuant to the FCRA, the DOFD has to be reported within 90 days of reporting. This time as since past years ago ; and, this account has been actively and erroneously been reporting on my credit files since XX/XX/2016 until the present time. I would like it DELETED in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This pertains to my account with paypal. Account : XXXX ( account numbers with paypal are kept this way ) On XX/XX/2018 paypal account receivables received my payment in the amount of XXXX ( document from paypal.com attached ) On XX/XX/2018 paypal account receivables cashed the XXXX and took money from my XXXX XXXX account ( document from XXXX XXXX attached ) Since than paypal did not apply the payment to my balance. 
On XX/XX/2018 paypal accounts receivables issued collection letter demanding payment of XXXX As of today ( XX/XX/2018 ) paypal account receivables is in possession of my payment ( XXXX ) and is not applying it to the balance. 
Why this amount is not applied as of now? Why did you choose to collect something that I do not owe as of XX/XX/2018

Company response to consumer: Closed with non-monetary relief