vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On this date XX/XX/2017 company opened a collection. 
Account # XXXX {$950.00} that I owe I have never signed any written documents saying I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 


XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: NC

Complaint narrative:
I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This account is paid and I have taken care of all payments that were due. I have asked for this account to be removed. I am applying for a home and this is hurting my credit score. This account has been paid in full; and I am currently awaiting for the deletion letter as I am under contract for a house. Can someone please help me get this deletion letter asap due to this error. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
XXXX XXXX, XXXX Department for PennyMAc received our request to change the occupancy ( a form in the paperwork ) from residential in order for us to purchase another home ( better security area, more convenient to work location, etc. ). 
XXXX XXXX spoke with me for 15 minutes. I am an XXXX XXXX with a XXXX XXXX XXXX. She asked me to verify XXXX, XXXX and address. She asked me if renting, what would I rent our current home for since our current mortgage is {$1400.00} ( we pay more than minimum each month ). The current home has pool table, large rooms, in close proximity to large naval base/airport, etc. ). XXXX XXXX never XXXX for documentation to show we have over {$31000.00} in a savings account for emergencies. She did not ask for documentation showing $ $ $ in our XXXX, nor documentation showing $ $ $ in a XXXX, nor asked if we had mortgage insurance with PennyMac as beneficiary in case we died ( to protect their interest ). XXXX XXXX of the Research Department determined that we, XXXX Americans, do not need to purchase an investment property and said " we must sell our current home '' as the only option available to us. Her letter did not state any other options, did not provide a PennyMac phone number to escalate or request an appeal. XXXX XXXX of the XXXX Department failed to accurately review ALL pages of the VA Mortgage documents and violated veteran 's rights to appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
We have received a collection letter from Quantum Collections for a XXXX collection that isn't ours. 

My dad and I have a XXXX XXXX collection reporting to our XXXX credit reports for an account that isn't ours, it's my brothers who lives in the same household as us. We demand that this collection be removed from our reports as it is causing our mortgage loan to get declined. Scenario : My brother 's car was a XXXX XXXX, XXXX. He sold his car in XX/XX/XXXX. He took the plates off the car but did not submit the plates to the XXXX. 
The vehicle was abandoned on the roadside by the new owner. When the towing company ran the car 's VIN number it came back to my brother as still owning the car. The towing company sold the vehicle and came after my brother for additional money. He has since dealt with the XXXX issue however, there is a collection not only on my brother 's credit reports but, also mine and my dad 's and we had nothing to do with the vehicle- we just happen to live at the same address as my brother. My info : XXXX XXXX social security ending in XXXX Brother 's XXXX XXXX XXXX XXXX social security ending in XXXX Father 's Info XXXX A XXXX social security ending in 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 2021-12-09 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
When I asked for a supervisor I was told that none would be available and if they were the answer would be the same as the agent. That being said, I recently won a court settlement regarding XXXX XXXX. They were providing inaccurate information regarding my report. When I told the Agent I had a court order that states the information is to be removed, she said they do not investigate or dispute information. they are merely a data furnisher and they would submit my information to the creditor and if the creditor determines ( not the XXXX XXXX XXXX ) thst it is to be remooved then they will remove it, I explained that for 4 years they have been supplying bad information and that is why I got the court order, and she repeatedly said, If the creditor decides it will be removed. Not the judgement of the US Court. The creditor has been the problem with reporting bad info the entire time, but she said that regardless of what I submit, its what the creditor says, not our courts that matter. Does anyone see a problem with this besides me? If Experian is a data furnisher they should be accepting data from the US COURT system as well as the crooked creditor.This needs to be a lawsuit against EXPERIAN even more than the creditor. They should not be allowed to do this. If cfpb doesnt handle this asap i plan on taking them to court myself. this is insanity. We still live in the United States, and the law is the law, not what a creditor says is the law!!!

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 2021-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: KS

Complaint narrative:
I have been trying to contact FedLoan Servicing for a request of information on my account for the past month and half. I have called them multiple times through their XXXX number and have been told I would receive a call back later. I called on XX/XX/XXXX, XX/XX/XXXX, and twice today. In addition, I have contacted them via their email request and have not heard back from them ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I also filed a complaint with the Federal OMBUDSMAN and have received no notification or message about my request. I have also submitted my IDR request with proper documentations on XX/XX/XXXX and am still waiting for a reply. However, when I submitted my IDR request on XX/XX/XXXX, I received results on XX/XX/XXXX. It baffles me how I can contact XXXX about the XXXX  and not receive any information or feedback, but when I submit paperwork that pertains to payment plans, they are quick to calculate and reply back. 

I have been placed in forbearance for times in which I was in school, but yet still working at approved XXXX employment. I did not receive notice that I was being put in forbearances and when I spoke to XXXX in XXXX of XXXX, I was assured that my employment while going to grad school was going to count towards my XXXX. I am now finding out, that they in fact are not counting it and will not reply to any of my emails or calls to speak about the issue. I would like to file a complaint on XXXX giving out false information over the phone, lying about my eligibility of the XXXX, as well as refusing to contact me about my account. This is absolutely unnecessary and outright robbery. I do not believe they have the best practices for consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under the FCRA, I request an investigation on the responsibility and the amount of this collection. Please discard this collection for FCRA violations because I do not think it is 100 % accurate

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 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX a deposit of {$6500.00} was made at the XXXX XXXX branch of Wells Fargo. Funds were supposed to be released the following day. On XX/XX/XXXX it was found that a hold was placed on the entire XXXX check deposit. Wells Fargo was addressed as to why this hold was placed on the check as we have history of depositing these checks without hold before. Wells Fargo was unable to give us and answer and continued with the 7-Day hold. On XX/XX/XXXX I went to the bank to discuss the hold and remedy the problem. The hold was released on the {$6500.00} check and cash was given 2 mi in the amount of XXXX. That night they place the hold on the check again, making my account overdrawn over {$6000.00}. Transactions including my medical insurance where declined and Wells Fargo charge me {$35.00} for each declined transaction. My insurance it's scheduled to be canceled due to non-payment/ payment rejection by Wells Fargo XXXX It is now XX/XX/XXXX and my account is still overdrawn over {$6000.00} with Wells Fargo refusing to release the hold and provide me information on why the check is still on hold and proof of non-payment by the issuer of the check. Wells Fargo has not provided any documentation or proof of non-payment and refuses to release the hold of my check. That's my account continues to be overdrawn and incur fees and my bills and payments continue to be rejected by Wells Fargo.

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 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We chose deferred payments for XXXX relief. Wells Fargo has added all of the deferred payments ( principal and interest ) to the balance.

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 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: AK

Complaint narrative:
My Mortgage was sold to XXXX XXXX. I know this is not an illegal practice but it should be. At least there should be some rules about it. XXXX XXXX has agreed to pay {$3.00} XXXX to settle criminal charges and a civil action stemming from its widespread mistreatment of customers in its community bank over a 14-year period. Employees used fraud to meet impossible sales goals. I never wanted to be involved with them because of this. Consumers should be more informed and have more say over this. When my mortgage was sold I was informed and knew I had 90 days to pay my first mortgage. I decided to spend that time earning interest on my own money and to see if I had any other options to re-finance with a more reputable institution. I was told I had to justify the transaction by showing it would benefit me financially to re-finance. Of course, XXXX XXXX makes sure they meet the mark to keep people stuck with them. 
Because I was waiting to pay my mortgage I received my first collections call. Understandable. However, the first call was at my place of employment and I am in a position of leadership. They identified themselves as, " XXXX XXXX Mortgage, needing to speak with XXXX about her home mortgage. '' to the front desk staff. When the employee approached me she felt very uncomfortable because even though it was not stated she knew it was a collection call. 
After I requested them not to call me at work, I got a call at XXXX the next day. I was told that XXXX XXXX was not at fault for anything. XXXX. I just don't want to give any of my money to such a XXXX XXXX  corporation. If people don't want to get a vaccine for their religious freedoms then I shouldn't have to be forced to pay my hard earned money to a morally corrupt bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The following inquiries were unauthorized and I submitted an initial complaint for. With XXXX, I only had three accounts. 

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX The follow inquiries were unauthorized and is a new complaint. 

XX/XX/2020 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX at XXXX PM ( XX/XX/XXXX ) I received a text asking if I attempted to make a Zelle transfer for {$2000.00} " Reply YES or NO '' I replied " NO '' from there I received a text back saying " Thank you for your confirmation, case id # XXXX '' Then, I received a call at XXXX PM from a Wells Fargo number from a man claiming to be a representative for Wells Fargo stating that he was going to help me undo the money that had been fraudulently sent out of my XXXX. The representative had me verify my phone number and address so a new debit card could be issued and sent to my house. I logged into my Wells Fargo account. The representative had me add myself to my XXXX and XXXX myself {$1000.00}, then another {$1000.00}, then {$1400.00}. When I said the text only stated {$2000.00} was taken, he reassured me that since the text had been sent, the scammers had taken another {$1400.00} out of my account. The representative told me I was undoing the transactions that the scammers had just done. Once the money was sent, he hung up and I drove straight to my local Wells Fargo bank to get some help. There, they created 3 fraud claims for me, one for each of the transactions made. They told me that the number that called me was in fact a Wells Fargo number and they aren't sure how someone called me from it. I was also told that by making those XXXX transactions, I had actually been sending the money to a fraudulent bank account XXXX XXXX XXXX Wells Fargo had decided to not reimburse me my money because they could not find the fraud on my account. I am sharing this for others to see and to fight Wells Fargo, XXXX XXXX  and XXXX to get my {$3400.00} back. I have reason to believe that one of Wells Fargos own employees was the fraud on the other end of the phone. If it wasn't an Employee, Wells Fargo has scammers breaching their phone lines and hacking their phone systems which needs to be investigated.

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 2021-12-09 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: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
Medicredit kept calling for an incorrectly billed balance from a doctors office who was supposed to fix it. I kept telling them the same thing over and over and evenutally asked them to cease and desist. They continued calling. I kept telling them i have asked them to cease and desist. the calls stopped for a while and then they called me again today at XXXX. I told them again to cease and desist. They promised me again today that they would, but usually i end up getting calls again. Ive asked them to cease and desist probably 4 times now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Hi, Several years ago when I first got the mortgage I signed up through the Wells Fargo site to have them automatically withdraw my payments in weekly amounts throughout the month before the monthly payment was due. It automatically calculated and adjusted when escrow amounts changed and my mortgage was always paid ahead of time. 

I recently switched jobs so I deactivated that feature in XX/XX/XXXX and sent checks in XXXX instead. I logged in on XX/XX/XXXX to make sure that they'd received them and saw that while they had received them, my payment was somehow late. It turns out they'd put it all towards principle. I called and they said they would reverse this. I also then noticed that they'd been drawing extra weekly payments from my account ( roughly {$400.00} each time ) every few months and applying them just toward principle. I hadn't noticed before since I'd only reviewed paper statements and thought that was just going to the principle part of my monthly payment. The rep refused to reapply the funds correctly citing that they'd sent the money to investors so it was untouchable. 

So now I've paid well over the amount I should be paying in a year and yet I am somehow apparently 9 days late on my XXXX payment. They refused to move any of these extra draws into my payment and said I needed to give them several hundred dollars more for XXXX, which I do not have sitting around. I was told that a higher supervisor would call me on XX/XX/XXXX and that did not happen. 

On XX/XX/XXXX I logged into my account to find that they had reversed my XXXX mortgage payment in addition to the checks that had been applied toward principle. I don't have a clue where that money is at this point and now their site is saying that I've missed my XXXX payment and it's 38 days late.

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 2021-12-09 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: FL

Complaint narrative:
Please provide me with the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

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 2021-12-09 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: Lending Club Corp
State: CA

Complaint narrative:
I am supplying documentation/proof that " LENDINGCLUB '' was paid in full.

Please find a copy of the check made to LendingClub. LendingClub cashed the check on XX/XX/2021. 
The amount of the check ( {$2100.00} ) satisfies the amount due at the time which was {$2100.00} ( Credit reporting rounds up to the nearest dollar ). 
I also attached a copy of how this LendingClub account is reporting to my credit. 

Please rectify the reporting balance to zero OR delete the account entirely. This is a complete error and in violation of FCRA Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Account Name : JPMCB XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Reason : Identity theft Please remove it from my credit report. 
Account Name : JPMCB XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Reason : Identity theft Please remove it from my credit report

Company response to consumer: Closed with explanation