vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Several months ago, I complained to Wells Fargo bank ( online rep ) that I needed to stop the overdraft charges and asked what would be the best solution. I was told overdraft protection could be withdrawn, so that's what I did. But it did not stop the issue. I continued to get charged {$35.00} a pop. I again called customer service and was told that shutting off overdraft protection would not stop overdraft charges. In fact, nothing would. It was my responsibility to figure out where the charges were coming from and redirect those charges.I had no clue where to begin. I decided to close my account and, by doing so, notices from companies attempting and failing to put charges through would come to me directly, and I could then correct all of these issues directly with each company. I shut off my debit card at this time as well. Last week, I called customer service to request my account be closed. I was told there were pending charges and until these went through, I wouldn't be able to close the account. So I waited. During this wait period, I could not log into my account despite following all instructions. A customer service rep provided a temp password and I was able to get in. 
Also during this wait period, I should have received my social security check, but I can not verify this because once again, I can not access my account and today I again have overdraft charges. Today, I called customer service to get help logging in again. I tried at least 10 password combos with the rep holding on the phone. I was frustrated and getting angry. I told the rep this was ridiculous ( all of it - not just today ) and she said " Well I don't know what you expect me to do. If you can't reset your password, I can't help you. '' I told her " this isn't a me problem it's a you problem. '' To which she basically replied she could do nothing for me. Her tone was VERY rude. So I left work and went to my branch to try to get help in person. Lo and behold, they can only help me by appointment due to COVID. They had no open slots for today. Or for tomorrow. Or, in fact, for the next two weeks. I tried to explain the urgency of my circumstances, but they were unmoved. They directed me to their appointment app and I tried 5 other branches, all of whom were booked solid. Finally, I found a branch with an open time for XXXX XXXX  today. One of the employees said to me, " You'll find all banks are using appointments only now. '' To which I said, " Not true. I can walk into my XXXX XXXX anytime and talk to someone right away. '' Wells Fargo is a horrible bank with horrible customer service. I can't access my account, I can't close my account, I can't speak to anyone about it ... quite the mess. I will never do business with Wells Fargo 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 non-monetary relief
Consumer complaint received 2020-12-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just recently spoke to a fraud representative at XXXX XXXX regarding this account that is re-appearing on my Experian Credit Report after being first removed from my Experian Credit Report back in 2017 by the name of XXXX. I informed XXXX that their company is re-reporting back on my credit report after being removed back in XXXX, 2017. XXXX asked me for my personal information. After giving him my personal information, XXXX was able to confirm that my information is mixed with someone else. He informed me that my name is a very common name and that could be the reason why its reporting on my credit report incorrectly. 
I am also including in my attachment that original ID Theft Police Report dated back in XXXX, 2017, which is when this account was originally deleted. 
Below is the fraudulent/mixed account that I would like to have permanently deleted : 1. XXXX XXXX XXXX - Account number - 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 2020-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
Been side banking with Current for over a year and on XXXX XXXX I got 5 unauthorized charges from a XXXX in XXXX Florida. I have nevered travel there. All transaction where back to baxk. They said itbwas done by a virtual card, I have my physical card with me. So some one transferred {$250.00} from my personal checking account through my bank to this account and they made the transactions of {$200.00}, {$200.00}, {$200.00}, {$200.00} and {$10.00} at the XXXX in Florida. I am in a terrible financial situations now that is leading to take actions against me. I have contacted them over 15 times. Have not been able to talk to no one and ask them about resolving this matter. But 2 days before this happened I was notified by Current about was I in Florida and if known of fraudulently activities been done to this account. I told him no I wasn't aware and he hung up. This situation should have stopped before this all happened. There is no way of locking app, card or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
To whom it may concern : I have reviewed my credit report and see that your company ( CONVERGENT OUTSOURCING, INC ) has listed an account on my credit file with A balance. ( XXXX XXXX W/BALANCE OF XXXX ) I have attached A screenshot of the reporting reflecting on my consumer report. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address or prior invoices. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you. Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provide me with physical papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my state, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.

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 2020-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
on XXXX I sent a letter regarding inaccurate information on my credit report. Its has been well over 45 days and I have yet to receive an updates or investigation results. I feel like I am being taking advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. it has been well over 45 days so I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused 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 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have repeatedly requested a free copy of my credit report through XX/XX/XXXX from all three credit reporting agencies : XX/XX/XXXX, and Equifax. 

Equifax has repeatedly not provided me with a copy of my credit report, even though I have requested online, by mail, and phone through XX/XX/XXXXmost recently on XX/XX/2020. 

As you can see in the attached document from XX/XX/2020, Equifax states that they received my request for my free annaul credit report through XX/XX/XXXXhowever since their records indicate a free copy was sent within the past 12 months, they are demandeding payment to provide another copy of my credit report. 

It is my understanding that this is violation per the FTC : https : //www.consumer.ftc.gov/blog/2020/05/credit-reports-are-now-free-every-week Note they spelt my name wrong in the attached letter. It is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02 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: PA

Complaint narrative:
Delete this account i have attached documents..This account is paid off but still reporting a balance ... this is killing my credit score i have tried multiple times to fix this with you and the original creditor and have had nothing happen. Delete this account from my report immediately ... My next step is taking this to a consumer attorney and the state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Delete this account i have attached documents..This account is paid off but still reporting a balance ... this is killing my credit score i have tried multiple times to fix this with you and the original creditor and have had nothing happen. Delete this account from my report immediately ... My next step is taking this to a consumer attorney and the state attorney general.

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 2020-12-02 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: MD

Complaint narrative:
My student loans are currently covered under the CARES Act forbearance. In XX/XX/XXXX, I submitted a request to change my billing due date for my student loans to manage my payments once they resume in XXXX. For some reason, PHEAA has treated this change in due date request as a recertification. I received a confirmation from PHEAA that I recertified my income-driven repayment plan. The only problem is that I never requested to recertify, nor did I submit any proof of income. Moreover, PHEAA said my next payment under a new IDR plan was due in XXXX -- while the payment suspension is still in effect! 

I am not due to recertify until XXXX. I want to ensure that my payment suspension remains in effect, that I have no payment due until XX/XX/XXXX, and that all these months continue to qualify for PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
To whom it may concern : I have reviewed my credit report and see that your company ( CONSUMER ADJUSTMENT COMPANY ) has listed an account on my credit file with A balance. XXXX XXXX XX/XX/XXXX XX/XX/XXXX OF {$1000.00} ) I have attached A screenshot of the reporting reflecting on my consumer report. I have NEVER been at such medical facility or received care from such place. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address or prior invoices. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you. Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provide me with physical papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my state, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Credit Acceptance went to court in XX/XX/XXXX and won a default judgement against me for a loan that should have been covered by my insurance and GAP insurance. The vehicle was totaled in XX/XX/XXXX. When I had originally signed for the loan, I know I signed for GAP insurance and the vehicle was also sold to me with a recall on it. I had to wait over 2 weeks while the faulty timing chain was replaced. Credit Acceptance is still reporting to the credit agencies it is over 90 days late. They have no email for correspondence. They do not answer the phone when I try to call.

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 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I sold a property on XX/XX/2020 on which Flagstar held the mortgage. Consequent to closing, I received a letter dated XX/XX/2020 demanding {$350.00} fee not collected at closing. The letter threatens to collect and cloud the title to the property and refusal to issue satisfaction of mortgage. The letter gives me 10 days to send payment. I contacted Flagstar to contest and provided a copy of closing documents, their payoff demand and payment in full - and was issued reference case no. XXXX. I have asked for assistance resolving and written confirmation of a resolution. Numerous calls to the Customer Service/Payoff Department said they have to research the matter further. To date, Flagstar has not responded with additional information regarding the charge. Flagstar shows the matter is still unresolved and pending collection. I am requesting assistance in resolving the matter and obtaining confirmation from Flagstar the mortgage has been paid off, and the satisfaction of mortgage. Flagstar remains unresponsive.

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 2020-12-02 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: PA

Complaint narrative:
Delete this account i have attached documents..This account is paid off but still reporting a balance ... this is killing my credit score i have tried multiple times to fix this with you and the original creditor and have had nothing happen. Delete this account from my report immediately ... My next step is taking this to a consumer attorney and the state attorney general.

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 2020-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Wasnt able to open a checking account with Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

Company response to consumer: Closed with explanation