vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-18 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DPT ED/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX XXXX DPT ED/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX XXXX DPT ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: GA

Complaint narrative:
The followings credit accounts were placed on my credit report due to fraud as I was XXXX across seas in XXXX with the United States XXXX. The following credit accounts that have been placed on my consumer credit file is XXXX XXXX Opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, Please remove the following accounts immediately as it effecting my credit and living situation as these accounts relate to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020, I sent money with the service XXXX, through the use of the Wells Fargo application. I had contacted a XXXX user who would sell me a phone for {$250.00}. She asked me to pay through XXXX, which I was not very accustomed to. I thought it would be a safe way of completing the purchase since the service, XXXX, was backed by the bank. This led me to think that the transaction would be completed safely. Upon sending the money, the user blocked my account so that I would no longer be able to contact her. After realizing what had happened, I contacted Wells Fargo that same day in order to learn about what I could do under these circumstances. I spoke with a representative that helped me dispute a transaction ; she informed me that I would be contacted with more information about my dispute. I was never contacted and have been waiting for further assistance to understand what I could do to receive the money I lost. I also contacted XXXX which was able to successfully remove the user from the service on XX/XX/2020. I attempted to contact XXXX but I never heard back from them. Up until now, I have been requesting the money back from the user 's XXXX account, in hopes that the user will return it, but she simply keeps rejecting the requests.

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 2020-03-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, I have had multiple inquires from a company called XXXX, and it has negatively affected my credit score. It will remain on my credit for a year. Please advise what I can do about this. I feel that the credit bureau discriminates on my profile, particularly EXPERIAN. I pay my bills on time and have never been delinquent. I keep all the cards current. As a XXXX XXXX XXXX, credit is essential to me. 
Please advise what my options are. My credit adjusts drastically any given month without reason. It is a struggle to raise it. For example, in XXXX, I paid 60 % of all my debt, and the score only went up 30 points. Recently because of the inquiry, they reduced my score 90 points!!! Unreasonable. I tried to get in touch with the credit bureau, but they could not explain the reasons to me. They said they have nothing to do with it. How are these credit bureau regulated then if no one has any answers? Thank you in advance for your assistance. 
Inquires dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I filed a complaint and called Experian in XXXX regarding these inquires.

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 2020-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
XXXX XXXX ( debt from XXXX ) hired Petenaude Felix - represented by XXXX XXXX XXXX. BAR # XXXX, XXXX XXXX ESQ. BAR # XXXX XXXX XXXX XXXX XXXX. BAR # XXXX On XX/XX/XXXX Patenaude & Felix ordered the sheriff to levy my bank account for a debt that belongs to XXXX who was added to my account to manage my bill pay. I was never notified by Patenaude & Felix or by my bank about this levy. 
The company I work for makes a direct deposit to my bank account. 
XXXX went to withdraw the money to pay the rent but was told by the cashier that the account was levy two days  ago. 
She told the cashier Mr. XXXX that this debt does not belong to XXXX XXXX and this is his account. He said that there was nothing that can be done. 
XXXX  contacted Patenaude & Felix XX/XX/XXXX and spoke to lawyer XXXX XXXX explaining to him that the bank account belongs to XXXX XXXX and the debt belongs to XXXX. XXXX said he will contact XXXX XXXX and have them release the funds and will notify her but he never did. XXXX called 2 days later and the next day but XXXX said there was no response as yet. ( Later, I found out that there were a 10 days hold on the levy. And within that time the funds can be refunded back to the original owner ). So Mr. XXXX XXXX was just stalling and only got back to her after the 10 days grace period was over with the response that they will not release the funds back to the account. 
On XX/XX/XXXX XXXX  went to the bank branch manager Miss  XXXX XXXX and discussed the problem with her but she said there was nothing that she can do. So XXXX wrote the Bank cooperate office. Miss XXXX XXXX said she can not do anything but I can contact the sheriff. 
We spoke to Miss XXXX at the Sherriff department in XXXX XXXX and she explains to us that when the sheriff came to the bank, the bank associates are supposed to notify him that there is another person on this account and in that case this other person must be notified first before the account can be levy. I XXXX XXXX WAS NEVER NOTIFIED BY MY BANK. Even 2 days later after they levied the account. I did not get any alerts. And they all LIED TO us that there was nothing they can do. 
The bank made a big mistake by not informing me about this levy and refused to release my funds back to my account. 
Patenaude & Felix made a mistake by taking my full salary for a debt that does not belong to me. 
Please CFPB kindly addresses the matter for this is not only a disgrace to our country but discrediting what we the USA stand for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Two closed accounts that never seam to go away. They were from XXXX of XXXX and XXXX of XXXX. They are still having a negative impact on my report. 
XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: HI

Complaint narrative:
XX/XX/XXXX Hello Consumer Financial Protection Bureau : I am a XXXX XXXX XXXX and was finally accepted by the Public Service Loan Forgiveness Program in XX/XX/XXXX. At the time, my loans totaled {$25000.00}. My monthly repayment was at {$40.00}. 

But it has progressively increased and now it has climbed to {$290.00}. I called the servicer, Fedloan, multiple times but no luck ( long wait and no callback ). And when I called this week, I heard a message about customer centers closing down due to Covid 19. Yesterday, I tried to send an email on Fedloan 's website, but it failed. My email was dropped. 

I am very concerned as the amount past due increases. As a XXXX XXXX XXXX, I have had only a 3 % pay increase per contract ; I did earn extra income XXXX XXXX XXXX but it went to buying a car to replace my 14-year sedan that was beyond repairs. 

In short, I am filing a complaint on the poor customer communication provided by Fedloan, and more importantly, on the way how repayments are calculated because what has happened to me is unfair and impossible for me. 

I look forward to hearing from you soon. 

Thank you! 
~XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
We received notice on XX/XX/2020 that our loan was being transferred from XXXX XXXX XXXX, our initial loan company, to LoanCare, who had purchased the loan. In the paperwork that was sent, there was two parts that were concerning and needed further explanation. 

-- We were responsible to change the autopayment plan ourselves. 

-- We needed to arrange this payment plan with our bank. 

-- It would take time to process the payment plan, and therefore, to avoid missing a payment, the first months payment needed to be mailed. 

No further explanation was provided. When we attempted to contact LoanCare, we used three different phone numbers, all of which were automated systems. When attempting to reach a human being through these systems, the phone system would repeat the same message over and over, never reaching a human being. 

We mailed our first month check to the address provided as instructed to do on XX/XX/XXXX. The check was for the amount we were instructed to pay On XX/XX/2020, the check we sent was cashed, but an amount lower than the check value was withdrawn from our account. 

On XX/XX/XXXX, we received an email that the automatic payment would be withdrawn from the bank account and that it might be delayed. 

On XX/XX/2020, the automatic mortgage payment was automatically withdrawn from our bank account, despite being told we were responsible to set it up and that it would be delayed. 

After each of the previous mentioned dates, we again attempted to remedy the situation through sending an email, and again attempting to contact someone at the company over the phone, with the same results. 

All of the things we experiencedthe double payment, the inability to receive service, the lack of communication or remedyis all documented by many other people this month on XXXX. Our property is not the only one that underwent this experience. 

We would appreciate assistance. This has the appearance of fraud, especially since it is occurring multiple times to several other individuals.

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 2020-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Jpmc is stealing my home after they broke the contract more than 30 times plz read the pdf 's 1st is the Whole story then the ledger as well as 3rd is evidence of the crimes they made errors then god mean and deliberately pyramided late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
Tdbank processed a transaction against my debit card for a yearly car insurance policy which overdrafted the account even though I declined overdraft protection. They then did bill pays and charged additional fees again for these legitimate draws on the account. The first transaction was not declined as per the law. The first overdraft created a negative situation that would not have happened if they declined it as they are expected to do when overdraft protection is declined. They argue it was a legitimate overdraft, and hit me 2 other times with additional overdrafts even after I transferred funds from another td account before the other bills were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
i refinanced my home in XXXX XXXX the original lender paid my winter tax bill of XXXX.

my loan was sold to freedom mortagage, who also paid my winter taxes of XXXX. this caused me to have a negative escrow balance an escrow analysis that i was made aware of stated that i needed to pay an additional {$1000.00} to cover the shortage. 

escrow analysis showed that my summer and winter tax bills will both be paid in XXXX, which would cause a negative balance for part of the year. this is not correct. 

at the end of the year, after both tax payments and insurance, my escrow would still have a postive balance of {$560.00}, per their analysis. 

if my analysis considered correct payment of my taxes, the account would never be negative. 

i contacted freedom mortage on XX/XX/XXXX at XXXX XXXX. they indicated that the escrow analysis did not consider the incorrect payment of the winter taxes, and that they would reanalyze it considering the refunded {$1400.00}. they indicated that i would be notified when this was completed. as of this complaint, i have not received any notice from freedom mortgage. 

i again called freedom mortage on XX/XX/20. customer service failed to explain to me why i was requested to pay an additional {$1000.00} despite no substantial changes in amount due and transferred me to the tax department. tax department was not able to assist and transferred me back to customer service after more than 60 minutes already invested into the 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 2020-03-18 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:
For starters this is my second complaint. I have submitted many letters and spent a lot of money to send letters via certified mail. I have been requesting that this credit reporting company provide proof of accounts they claim they have verified. I have not received any physical paperwork/proof that backs up their " findings ''. In addition to the creditors not sending me any proof. I have made many attempts trying to request proof with my signature and contract that i am accused of having with these creditors. These disputes have been going on for at least 2 years with no proof. When i submit a request via certified mail it seems as if they don't even investigate just say. Even more with me. I think since i made a complaint before this company is retaliating against me by not removing the incorrect information off my credit report and not providing proof with my signature. As a consumer who has access to only so much, the credit bureau has the upper hand/ power and they use that to their liking. I do not know what else to do. Who else can i complain to to get this information corrected on my report? Who else handles disputes with credit bureaus about not getting proof of accounts that they claim were verifiable? Who do i complain to if the company has been retaliating and my issues are not being addressed properly. These creditors are as followed XXXX XXXX XXXX Don't have contract with them do not owe an account that was paid off Dept Of Ed- NEVER LATE ON PAYMENT. loans were put on hold as i was a student. Made complaint before against Dept of ED. have yet to fix it XXXX XXXX XXXX- WAS NOT LATE ON ACCOUNTS AS STATED. Company did not send out statement for months. 

I would like all the errors deleted from my report ASAP. Also requesting proof that credit bureau has with my signature need to be sent via cert mail to 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 2020-03-18 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:
For starters this is my second complaint. I have submitted many letters and spent a lot of money to send letters via certified mail. I have been requesting that this credit reporting company provide proof of accounts they claim they have verified. I have not received any physical paperwork/proof that backs up their " findings ''. In addition to the creditors not sending me any proof. I have made many attempts trying to request proof with my signature and contract that i am accused of having with these creditors. These disputes have been going on for at least 2 years with no proof. When i submit a request via certified mail it seems as if they don't even investigate just say. Even more with me. I think since i made a complaint before this company is retaliating against me by not removing the incorrect information off my credit report and not providing proof with my signature. As a consumer who has access to only so much, the credit bureau has the upper hand/ power and they use that to their liking. I do not know what else to do. Who else can i complain to to get this information corrected on my report? Who else handles disputes with credit bureaus about not getting proof of accounts that they claim were verifiable? Who do i complain to if the company has been retaliating and my issues are not being addressed properly. These creditors are as followed XXXX XXXX XXXX Don't have contract with them do not owe an account that was paid off Dept Of Ed- NEVER LATE ON PAYMENT. loans were put on hold as i was a student. Made complaint  before against Dept of ED. have yet to fix it XXXX XXXX XXXX- WAS NOT LATE ON ACCOUNTS AS STATED. Company did not send out statement for months. 

I would like all the errors deleted from my report ASAP. Also requesting proof that credit bureau has with my signature need to be sent via cert mail to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I do not have a current contract with company. Old contract was terminated due to company 's retaliation/ negligence/XXXX. I asked company via certified mail to cease and desist. I do not owe anything. They are giving the credit bureau the incorrect information. Not providing any proof of this.

Company response to consumer: Closed with explanation