vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
ALLIED COLLECTION SERVIC Account number XXXX Recent balance {$1200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX- HAS REPORTED A COLLECTION ON MY CREDIT REPORT THAT IS NOT MINE IN FIRST PLACE IT WAS FOR A RELATIVE WITH A SIMILAR NAME AND IT WAS PAID IN FULL WITH THE MEDICAL FACILITY IN FIRST PLANCE. I TRIED TO CONTACT ALLIED VIA PHONE AND MAIL WITH NO LUCK. MY CALLS DID NOT GO THROUGH AND ALL LETTERS CAME BACK UNDELIVERABLE. I CONTACTED XXXX XXXX XXXX- who stated there are NO accounts under my name and they had no idea who this collection company is

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 2018-12-07 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
I had around {$30000.00} in student loans remaining at Navient after paying them down for about ten years. I refinanced with XXXX and XXXX remitted {$27000.00} payment to Navient on XX/XX/2018. That ended up being an overpayment of {$1400.00}, and both XXXX and Navient told me that Navient would write a check back to XXXX for {$1400.00} and they would apply it to the principal balance.

According to my Navient statement, they acknowledged the {$1400.00} overpayment on XX/XX/XXXX. After almost three weeks when {$1400.00} had not yet been credited to my XXXX account, I called XXXX and they said they had not received any check from Navient reimbursing the overpayment. I then called Navient and asked them to confirm details of the payment. They told me they " batched '' a check to XXXX on XX/XX/XXXX, but they claimed they could not provide me the check number or confirm whether or not the check was negotiated, and that it takes " up to a month '' for a check repaying an overpayment to be reflected in the new loan account.

On XX/XX/XXXX, a month after Navient supposedly sent a check to XXXX,XX/XX/XXXX XXXX had still not received a check ( I confirmed this through my online account and a call to XXXX ) so I called Navient back and the customer service agent confirmed that there was an overpayment in the amount of {$1400.00} and claimed that Navient had sent a check on XX/XX/18 to XXXX. I said checks don't take a month to go to another state, and she said that it could take six to eight weeks. I asked for a check number, whether it had been negotiated, and copies of the check, and she claimed it was impossible. After the call, I faxed them a letter demanding they process the overpayment and provide me evidence that they actually issued the check. They did not respond to that at all.

On XX/XX/XXXX, I called again and went through the same explanation and the Navient customer service agent gave me the same story that the " check is in the mail. '' I asked her to elevate this to another level of customer service to produce a check number and check images so I could track it and see if it was cashed, and she said she escalated it and that I would receive copies of the check " by XX/XX/XXXX at the latest. '' Today is XX/XX/XXXX and XXXX has still not received a check from Navient and Navient failed to produce the check number or check copies that they promised.

It is apparent that they never sent the check for the {$1400.00} overpayment, and that they have just been holding {$1400.00} to which they are not entitled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: FL

Complaint narrative:
XXXX XXXX is the company. My complaint is for Unfair Trade Practices. Their website provides incorrect contact information, two phone numbers both go to an automated teller. One states it is to contact a Customer Service Representative. The website shows incorrect available hours - the site shows XXXX to XXXX. Customer Support is available XXXX-XXXX but I only found this out after making three different calls. They contacted me in regards to a late payment on XX/XX/18 stating I needed to contact them to avoid delinquency. I called them as directed but the CSR did not mention I could pay by check over the phone or that I was required to make the  payment that day. The CSR went into sales mode and starting discussing loan modification. I called a second time that same evening because I wanted to confirm if I was required to modify my loan or if it was optional. In both calls I communicated that I would make a payment on the XX/XX/XXXX and a 2nd payment on XX/XX/XXXX. The next day, XX/XX/18, they hit my credit score. If they had been upfront about what was going to occur I would have made the payment on XX/XX/18. Today I contacted them to discuss this and I was told that they were not credit counselors and were not required to provide that information. I was also told they don't take payments in advance. I made a payment today on-line ( XX/XX/XXXX ) and then made a second advanced payment for XX/XX/18 via a phone call. I received a confirmation number for the XX/XX/18 payment. Which is it, they take a payment in advance or they don't? Is there no honesty in banking any more. XXXX XXXX got away with being shady and now BB & T.

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 2018-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Dear Team, I have a long standing relationship with PayPal and have been using that account for all my transactions ( Pretty much all online ). lately since the beginning of the year 2018 I had established relationship with Mrs XXXX and Mrs XXXX via PayPal and engaged their specialized services. I was rest assured about my money coz its PayPal protected and I was confident because PayPal has all legitimate sellers and buyers and they protect against any delays or issues in the transaction.

Nature of service I had with both Mrs XXXX and Mrs XXXX was time sensitive and results were 100 % assured and due to issues with initial estimates they had asked me to pay more over the period of last 10 months and as I was really in need of the service to work I did comply with them. 

But my patience wore off and now am at the end of the rope. the service was due way back in XXXX but it kept getting extended out. my last payment towards this service was made in the month of XXXX and I lost all hopes of getting this to completed. Thus I reached out to Mrs XXXX and Mrs XXXX to reach an amiable solution but they were unresponsive. in despair I reached out to PayPal but apparently they can not go beyond 180 days. which I was neither aware of nor feel its appropriate coz its for the same service. 

Thus I request PayPal to look into this matter as the transactions were for same purpose and spanned across 10 months due to the nature of the service and it was done to same 2 people and now I did not get the intended service. the total transactions are 36 and total amount transferred {$8000.00} Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have contacted Equifax several times about information that is incorrect on my credit file. I call Equifax at least once a month every time I call they swear they're unable to verify my identity. Most recently I called XX/XX/2018 at XXXX central standard time and spoke with a lady that told me her name was XXXX. I told XXXX that I have a confirmation number and previously when I called Equifax they were able assist me with the confirmation number. Well she did not ask for the confirmation number and proceeded to ask me a series of questions of which I answered them all correctly but she continued to tell me she was unable to verify my identity and that I must send in a copy of my drivers license and social security card. I have sent Equifax at least 15 copies of the same drivers license and social security card. My main problem is Equifax has failed to properly verify the items on my credit file and despite my several requests has failed to delete the items and they have failed to provide me with updated copies of my credit file. Most recently Equifax sent me a letter stating the accounts in question are not showing up on my credit file but I have copies of my credit file from Equifax 's own product Equifax complete advantage that I was paying {$17.00} per month for. And according to Equifax 's own records the product that they charged me for gave me inaccurate information. I disputed an address Equifax told me the address was deleted but the address remains on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
The company, Seterus , Inc., which has locations in XXXX, CT, XXXX, OR, and XXXX XXXX, CA, has been harassing us for months with threatening letters, inconsistent dollar amounts of " late payments '' and threats of foreclosure if we do not bring our account up to date. I have documentation, supported by my bank statement and Seterus ' own website, to show we have not missed a payment nor have we been late. My job has been in XXXX XXXX, and I have compiled a comprehensive spreadsheet verifying my position. Seterus has also falsely reported my wife and I to the various credit reporting agencies in an attempt to damage our credit, forcing us to pay their demands.My research into this company shows is this rather common of their practices. Internet sources show there are a myriad of complaints and lawsuits against them for similar issues.I request that they cease and desist their harassment, correct our account status and remove the derogatory remarks from our credit reports. I'm not sure which documents I should include as there are many. I appreciate your input as to what is needed and I will be glad to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XXXX XXXX response to the CFPB is a blatant lie. Here is why : In XX/XX/XXXX my insurance company, XXXX, issued a new policy which required XXXX to issue a check to pay for the homeowner 's policy. The policy was incorrect and XXXX issued a second policy in XXXX to correct the incorrect policy. XXXX sent a second check to XXXX to account for the two policies. XXXX know this is what actually caused the erroneous escrow amount. I was never notified by XXXX about the two policy payments until I called. XXXX never worked with XXXX to reconcile the right account policy and I never received a letter from XXXX about my escrow account. The back dated letter they provided you is apparently a fraudulent letter because unless they can provide that the postal office delivered a letter they are lying. Additionally, I received a refund from XXXX for the two policies in XXXX without any notice or explanation for why I got {$4100.00} for my policy. I was told my XXXX XXXX escrow department that I did not need to repay the money because the amount is reflected in my mortgage payment. XXXX and my insurance company, XXXX, failed to inform me of these mistakes and did not involve me in the resolution. My credit history should not be impacted by their incompetence and their explanation is typical of XXXX. Its a lie! All they need to do reverse the inaccurate credit report. 

Mortgage Loan # XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Rhode Island XXXX I writing this complaint because XXXX XXXX, formerly XXXX, is either fraudulently or incorrectly reporting to reporting agencies that my mortgage payment is late when in fact the payment is not late. Furthermore, there is no outstanding or pending payment required for my account. Additionally, my escrow account is incorrect and does not reflect accruals for homeowners insurance. XXXX XXXX has changed its name but its fraudulent business practices have continued right where XXXX left off. I hope that you will contact the firm and address this on my behalf.

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 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have applied for absolutely no credit this year. I have had no need. XXXX  and XXXX have honored my request to remove fraudulent inquiries on my credit. Equifax has not. There is not a single credit application I have signed this year for credit and because my identity, the result of the Equifax security breach that affected millions has been compromised, Im suffering as well and Equifax is failing to do what the others two bureaus have done which is remove all fraudulent inquiries this year on my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo claims that I missed a payment on my mortgage. I have never missed a monthly payment on my mortgage, and have the documentation to prove that going back over a year. However, they continue to claim that I am behind and charge me a late fee every month. I contacted them back in XXXX and they said they would look into it, however I have never heard back from them. 

I discovered they were charging me late fees for over a year in XXXX of 2018. I immediately called Wells Fargo to figure out what was gong on. While on the phone with Wells Fargo, I went online to review my payment history. For some reason I was only able to view the previous 3 months of account activity. The very next day I went online to review my account again and was able to see ALL of the account activity going back for over a year. So for some reason they blocked my ability to review my extended account activity. I believe they were altering my payment history to avoid being caught in their scam. 

I made a mortgage payment on XX/XX/2018 in the amount of {$2600.00} I was charged a late fee on XX/XX/18 in the amount of $ {$95.00} My most recent monthly payment was made on XX/XX/2018 in the amount of {$2600.00} This has been going on for over a year. 

Wells Fargo currently says I owe : Unpaid fees / late charges {$1500.00} Total amount due to make loan current {$4200.00} Like I said, I have never missed a payment and believe they have altered my account history on both my personal checking as well as the mortgage account in order to cover up their current scam. 

In addition, I know they encourage unethical and illegal practices first hand. A year ago I noticed a new account had been opened up under my name, and was consistently being charged overdraft fees. I did not open up this account. I called Wells Fargo and asked them about it. They gave me vague answers, and removed the overdraft fees. I told them to close the checking account since I never authorized it in the first place, and several weeks later the account disappeared. However, the impact on my credit score had already taken place. 

Wells Fargo has once again altered accounts and personal finance records in order to save face due to one of their unethical and illegal banking practices.

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 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted a dispute with XXXX  on XX/XX/2018 and XX/XX/2018 with the student loan companies XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. Prior to filing a dispute with XXXX, I contacted the company directly requesting any documentation supporting the claim that a debt is owed and they never provided any documents to support the claim. I also contacted XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and never received a response. From there I gather all of my letters with tracking numbers and filed a dispute with XXXX. Approximately 2 months passed, and I never received correspondence about the disputes. On XX/XX/2018, I called XXXX to receive an update and they told me that the company verified the account. I then asked them how did the company do so and they said electronically. I then asked if they could provide me documentation from company verifying the authenticity of their response, an d the representative explained that they do not have have any documents. I then asked, How do you verify if a company is reporting false information or not, and she couldn't respond. I asked her, if there was a procedure on determining if a company is reporting false information and she said no. I explained that I had contacted the companies and that there was no documentation and even no response and I question the authenticity of their investigation. Again, she could explain or answer any of my questions. She stated that whatever the company reports is what they report and that they have no way of verifying the information being supplied is correct. With that, knowing that the two companies being disputed have either refused to respond or failed to provide documentation, this shows that whatever information that XXXX  claims to have if not correct. It appears that XXXX is allowing companies to provide false information with no investigation, despite what consumers are providing as supporting documentation. I have submitted this dispute over two months ago. Disputes usually require 30 days for a response. Not only did I not receive a response, but a true investigation was not completed.

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 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GREAT LAKES
State: VA

Complaint narrative:
I submitted a dispute with XXXX  on XX/XX/2018 and XX/XX/2018 with the student loan companies XXXX and XXXX XXXX XXXX XXXX Great Lakes. Prior to filing a dispute with XXXX, I contacted the company directly requesting any documentation supporting the claim that a debt is owed and they never provided any documents to support the claim. I also contacted XXXX XXXX  XXXX XXXX Great Lakes directly and never received a response. From there I gather all of my letters with tracking numbers and filed a dispute with XXXX. Approximately 2 months passed, and I never received correspondence about the disputes. On XX/XX/2018, I called XXXX to receive an update and they told me that the company verified the account. I then asked them how did the company do so and they said electronically. I then asked if they could provide me documentation from company verifying the authenticity of their response, an d the representative explained that they do not have have any documents. I then asked, How do you verify if a company is reporting false information or not, and she couldn't respond. I asked her, if there was a procedure on determining if a company is reporting false information and she said no. I explained that I had contacted the companies and that there was no documentation and even no response and I question the authenticity of their investigation. Again, she could explain or answer any of my questions. She stated that whatever the company reports is what they report and that they have no way of verifying the information being supplied is correct. With that, knowing that the two companies being disputed have either refused to respond or failed to provide documentation, this shows that whatever information that XXXX  claims to have if not correct. It appears that XXXX is allowing companies to provide false information with no investigation, despite what consumers are providing as supporting documentation. I have submitted this dispute over two months ago. Disputes usually require 30 days for a response. Not only did I not receive a response, but a true investigation was not completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Williams, Rush & Associates, LLC
State: NC

Complaint narrative:
I had an installment loan for an online college. The initial date was XX/XX/XXXX. I  tried the school for a while and was never able to schedule any exams with them. Do to the difficulty accessing the exams for class credit, I stopped using the program. I signed up for a local college and stopped making payments to the online school. This dept should be removed from my credit score in XX/XX/XXXX. The debt was closed on XX/XX/XXXX. The debt was purchased by XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX. XXXX, Tx. XXXX ; Representatives from this company call me several times a day ( I've block several of their numbers ). They have threatened me and even tried to contact relatives and the school I currently attend. They have threatened that they will block my XXXX license, send the sheriff to arrest me at my school and even at my child 's school. There is no account number for this company on my credit report and they would not tell me any number or identifying information when I requested it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation