vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
I sent a certified letter to Wakefield & Associates on XX/XX/2019 requesting that they validate this debt ( provide a document with my signature on it that proves this debt belongs to me which ALL hospitals and doctor 's office require signature prior to providing medical services. I received a one page document that provides no proof at all only the original creditor and the balance owing. In addition, it states that services were provided in Arizona. I have never lived in Arizona so how could I obtain medical services from which I have never lived?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: MN

Complaint narrative:
InXX/XX/XXXX my loans were transferred to Fed Loan Servicing ( PHEAA ),  as I am working towards public service loan forgiveness. It took nearly a year for them to process and verify my payments, which only was completed after I filed a complaint with the CFPB. I received a letter in XX/XX/XXXX with the list of payments made. There were six payments that I disputed. For five different payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) I was within a qualified employment window and had bank statements showing a withdrawl, yet they weren't counted. For another payment, it was pulled from my bank account XX/XX/XXXX, posted to my bank account XX/XX/XXXX, which was a Saturday. I had my last day at one qualified employer on XX/XX/XXXX and started a new qualified employment XX/XX/XXXX. Fed Loan claimed I was 'unemployed ' during that payment, even though it was pulled from my account on XX/XX/XXXX, while I was in a qualifying employment. 

I submitted a letter disputing these six payments that were not counted towards my loan forgiveness despite being in qualified employment and proving the plans were made. This letter, along with supporting documentation, was sent via certified mail XX/XX/XXXX. I verified a few weeks later that it was received and was informed by customer service at Fed Loan Servicing that it would take up to a year or beyond to be reviewed. 

I sent a second letter via certified mail XX/XX/XXXX requesting an update on the dispute letter and readjustment to my number of payments made. I was informed this was not available to be reviewed and there was no supervisor or any other staff member I could talk to. 

Additionally, during this time I started school. I was put into a school based deferment in XX/XX/XXXX. I called immediately and completed paperwork XX/XX/XXXX to waive deferment. I was told at that time that if I wanted to continue to count payments towards PSLF that I should keep making payments as scheduled and they would be retroactively applied. I made payments XX/XX/XXXX and XX/XX/XXXX for the full amount of what was due. When I spoke with Fed Loan in XX/XX/XXXX I was informed they had not gone back and applied those two payments that I made on deferral to my qualifying payments. 

Now, instead of being eligible for loan forgiveness in XX/XX/XXXX, they are stating I will not be eligible until XX/XX/XXXX. I would like the payments I made while in qualifying employment to be applied appropriately. 

I am attaching the original dispute letter from XX/XX/XXXX, along with the payment documentation. I'm also enclosing the other complaint letter from XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased a refrigerator for {$1400.00} using Wells Fargo Credit card, the refrigerator makes loud roaring sounds, I called the merchant but the merchant was of no use and did not solve the problem, so I filed the dispute with Wells Fargo and they gave 30 days to the merchant to respond, merchant did not respond in 30 days and Wells fargo made the credit permanent. Now after two months merchant contacted Wells Fargo and said that now they want to respond and Wells fargo opened the dispute again. This is not how it works, Wells fargo have a standard procedure and they should follow it.

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 2019-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a 0 % credit card and attempted to use it. Now they have me set for fraud. They want me to send my social security, id, paystubs, and utility bill to an unsecured email address. BBVA has a secured messaging within their site and they said I can't use it. They also advised there is no case number assigned, etc. This is from their associate ID XXXX. The entire process has many red flags which compliance needs to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK
State: FL

Complaint narrative:
I acquired a loan thru Gateway One Lending & Finance, a TCF Bank Company approx. 3 years ago thru a application at a car dealership for the purchase of a used vehicle. I have contacted Gateway numerous times ( in writing and verbally ) explaining that I work at a Healthcare facility and do not want to be contacted while at work. I have explained they are able to contact me via my cell phone, usps mail or via email. I sent a email on XX/XX/21 telling them they are not to contact at work. They email was received and responded to by a Gateway One representative. This company continues to use illegal and underhanded collection techniques and in the past have contact friends and family. I would like to file a formal compliant against this company and their continued illegal practices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a collection on my credit report Numerous times with all three credit bureaus only to have them come back and see that it is verified. So today I finally called this collection agency. I asked them for original proof that this was something I entered in to prove my identity and signature something to prove that the account belong to me. Provide me anything at all not even tell me anything because they can not even collect this debt in the state I live in they are not license thats XXXX XXXX amd XXXX XXXX XXXX. Contact XXXX   XXXX  and Trans Union and they are very disrespectful when Im trying to explain this they want to cut me off and they are unable to hear reason that they have been violating my rights to report accurately verify the information when I dispute it because I have disputed it multiple times and if they cant give me the information this company they sure as heck cant give it to Bureau because they can not practice collections in the state of North Carolina. The company agreed supposedly to delete this item but I have yet to see

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 2019-10-10 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: Account Recovery Specialists, Inc.
State: NC

Complaint narrative:
I have a collection on my credit report Numerous times with all three credit bureaus only to have them come back and see that it is verified. So today I finally called this collection agency. I asked them for original proof that this was something I entered in to prove my identity and signature something to prove that the account belong to me. Provide me anything at all not even tell me anything because they can not even collect this debt in the state I live in they are not license thats XXXX XXXX XXXX XXXX XXXX la. Contact XXXX   XXXX and XXXX XXXX and they are very disrespectful when Im trying to explain this they want to cut me off and they are unable to hear reason that they have been violating my rights to report accurately verify the information when I dispute it because I have disputed it multiple times and if they cant give me the information this company they sure as heck cant give it to Bureau because they can not practice collections in the state of North Carolina. The company agreed supposedly to delete this item but I have yet to see

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a collection account with XXXX that I paid in full and current balance is {$0.00}. This account is reported to XXXX and XXXX as ''closed '' account. However, Equifax is still showing the account as ''open '' account. I disputed the status of the account with Equifax several times before and sent them a letter from the collection agency that shows the account being pad in full and ''closed ''. However, everytime I dispute the account with Equifax, they mention it is ''collection '' account it it doesn't close, which does not make sense cause that same account was closed with both XXXX and XXXX even it is collection account. I asked him to show me where in Equifax website if there is any disclosure that you can't close account because it is collection account but he could not share any policy related to that. Under Fair Credit Act, this account has been closed by the creditor and collection agencies and been reported to XXXX and XXXX as ''closed '' account. However, Exquifax is not welling to comply with this Federal mandate. Therefore, I am filing this complain against them, which is not surprising such non-compliance comes from a company leading in security breaches every time we hear of one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
ON XX/XX/19. I Purchased A Dining Room Set, which came with 4 Chairs and Table, I also order 2 Extra Chairs. It was Curbside Delivery ; Once Assembly, 1 Chair was damage with black declaration on Chair. I Contacted XXXX XXXX XXXX and Raven 's Barclay Card, No one did anything but took My Money and never came with  Replacement of Damage Chair. Nor would they give Me A refund. Barclay saying its out of their hands, but release the Money on the Day I order, without waiting on Furniture to Arrive or see if Customer was happy with Furniture. That set cost Me Over {$3000.00} Dollars. I had Already Paid Ravens Barclay Card, {$2200.00} for the Furniture that wasn't damage. But not the 2 Chairs for {$540.00}. After they Refused to do anything about the problem, I told them to come get the hold Set and we even. 

The Second Dispute was with XXXX XXXX XXXX XXXX. The Car was Pre-paid in Advance By  XXXX XXXX, {$600.00}. I was the one who pick up Car because I arrive to XXXX XXXX first. I was told I needed A Credit Card in My Name to pick up Car, and they would put A hold on it. I stated not to Charge My Card and Mr. XXXX XXXX would pay balance when we return Vehicle. When we Return the Vehicle together They wouldn't take Mr. XXXX XXXX and told Me The Charges was on My Card. I told them I didn't Authorize the Charges and Mr. XXXX was Paying for Car.

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 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: INVESTORS BANK
State: NY

Complaint narrative:
I received a check from my landlord for the refund of my security deposit of {$3500.00} I can not get a bank account in my name from ANY bank due being blacklisted by the banks because I closed 2 accounts several years ago with disputed negative balances from FEES assessed in error. So I went to the branch of INVESTORS BANK that handles the landlords account to cash the check. I presented proper ID but they refused to cash the check. It would have been ok if it was {$2500.00}. but for this amount would have to be deposited. Fine, I told them I would be happy to open ANY kind of account to deposit the check, and explained the disputes that appear on XXXX 's report. They refused to open the account or offer any alternatives to solve the problem. I had to take the check to a check cashing service which cost me {$77.00} and 40mins waiting for them to verify with my landlord, which they did. The bank could have done this if there was any worry of fraud. This is a punitive system, where the banks have ganged up to punish anyone who dares cross them, and to create a miserable customer experience for poor people!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
In the last quarter XXXX was two months behind on my mortgage payment During XXXX XXXX and XXXX I made six XXXX XXXX bill pay payments to XXXX XXXX. 
to the total amount of over {$10000.00} each time I made a payment the automated system told me my last payment was in XXXX which was incorrect In XX/XX/XXXX A new company became my mortgage lender or loan servicer shellpoint mortgage I contacted them to find out what was going on and they told me there were no records of the {$10000.00} I paid my previous servicer And in order to avoid escalation I need to pay {$5000.00} immediately I beg borrow and steal from friends and family and came up with the {$5000.00} and paid them and asking them to check into the {$10000.00} I previously paid and they asked me to send my proof of payments in witch I did email the proof to Mrs XXXX at shellpoint she gave me her email address and I followed up my emails of documentation with a questions for a months did she get the documents does she understand everything? 
I found out from another shellpoint representative that she can not receive emails nor replied to them The documents needed to go to loss mitigation or Loan Servicing 2 more months were wasted on this nonsense and I immediately sent the documents to the newly given email address and again contacted them and asked to speak to someone about this No one was available and of course they said they call me back They did not So I called in shellpoint and paid another {$2000.00} in XX/XX/XXXXand asked to speak to customer service because I was getting angry after several phone loops and department switching I finally got a hold of someone who left a message with themAnd I am awaiting a supervisor return my 3 phone calls asking for customer service help This has not happened Tbey no point mortgage Or telling meAs of todayor telling me XXXX I am five months delinquent This is impossible My mortgage payment is {$1100.00} a month since XX/XX/XXXX I have paid them {$17000.00} Full year of payments to my mortgage company is only {$13000.00} I have paid them {$17000.00} and they say Im five months behind and I can get no one to assist me with this they gave me a single point of contact to assist me he told me he cant do it, but he can except a payment Shellpoint mortgage is doing nothing to assist me with unique issue no matter who I speak to or how many times I verbally repeat myself Or continually email them about my situation nothing is done and I get the same old answers This problem started with my previous lender XXXX   and it seems as if no one cares about my situation I need help!! 
Thank You 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 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Student Loan Assistance Center
State: FL

Complaint narrative:
Received call from United Student Loan Assistance Center. They said student loan was going into default and for three payments totalling {$500.00} they would get loan forgiveness due to XXXX. Fell for it but then got to checking and found this is a scam. Have froze my accounts with all three credit agencies and putting stop payment on checking account tomorrow. Wanted to report them so that others don't get scammed too.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The XXXX XXXX XXXX is reporting to Experian that I owe them an outstanding balance of {$310000.00}, related to a mortgage I had with the bank back in 2010. This is not correct. This mortgage was included in a Chapter XXXX bankruptcy that was discharged in XXXX of 2010, so this account should have been updated to show that it was resolved through bankruptcy, and the balance should report a {$0.00} liability. Furthermore, this account has reported negative information on my credit report for a period longer than 7 years, which is also a violation of my federal rights under the Fair Credit Reporting Act. The have intentionally altered the date of last activity to an incorrect date to continue to report this fabrication on my credit profile. I have made repeated attempts to contact the XXXX XXXX XXXX to correct this issue, but they refuse to take the appropriate action.

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 2019-10-10 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: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank has a written policy that the only person whose name is on the bank signature card can access those funds with proper identification. My concern is that although I sent Consumer Financial Protection Bureau ( CFPB ) a complete outline of the specific issues of my complaint your office did not respond to my correspondence but allowed U.S Bank to investigate themselves and respond to my complaint, as it seems that you did not review the facts of my case. 

I know that the Consumer Financial Protection Bureau ( CFPB ) is under attack in funding by the Trump Administration as I have also been trying to bring this issue to XXXX XXXX that I understand was the author of this federal agency wherein we are working to contact her office and other state and local agencies in California.

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 2019-10-10 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation