vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
On XX/XX/XXXX I made a purchase at XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, IN. In the process of checking out the sales clerk was having a problem getting our check out complete. We were paying by check # XXXX. The clerk couldn't complete the transaction on his machine and flipped us over to another. He completed transaction on machine # 2. Little did we know that XXXX double dipped on same check causing one to be returned. We received no phone calls from XXXX notifying us of any problem. Only to go the mailbox and find a notice from a collection agency. My wife went to the store with the letter and copy of check showing deposit in their bank. She wasn't given XXXX number in AZ. to call. She calls that number and they have no record of us making a purchase. Which when we made purchase we used our XXXX rewards card. So know we are told we have to call XXXX XXXX XXXX as they are the owner of our check. My complaint is we were notified of situation and having to do a lot of unnecessary paperwork. Then to compound matters I went to XXXX in XXXX XXXX to make a purchase. Their system is connected to XXXX and declined our payment, which was major embarrassment to my self. This whole matter could have been easily rectified if XXXX would have contacted us either by mail or by leaving a message on our answering machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: NY

Complaint narrative:
There is a charge appearing on my credit card for {$60.00}. I filed a dispute via the Wells Fargo website on XX/XX/20 as I believe this was paid with another form of payment. Nothing was done with the dispute after a week or two, so I called Wells Fargo and spoke with a dispute specialist who told me they required documentation and would issue me a provisional credit in the meantime. I informed the agent that I uploaded the requested document right while we were on the phone and she said she would review it. In the meantime, I would have the credit. Now, it is XX/XX/20 and I just received a letter from Wells Fargo stating that they need me to RESUBMIT THE SAME INFORMATION I ALREADY UPLOADED. Further, the provisional credit I was promised during my call was never applied, so now my card has a balance when it should be reporting to my credit as a {$0.00} balance. Wells Fargo has failed to handle my claim properly and lied when the said they would issue a provisional credit.

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 2020-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
Around XXXX of 2013, When i was pregnant and still a tourist in this country a doctors office that was supposed to do a ultrasound on my belly. My husband at the time was the financial responsible for everything and yet i still got charged hundreds of dollars for something not executed. 
Fast forward, 7 years later im sill being accused to own {$710.00} for that clinic. The collector refused to provide me the proof of the paperwork for that XXXX XXXX and failured to pursuit my ex husband and as in today i noticed my credit report got affected with that {$710.00} 7years old ultrasound. I lost 46 points and it feels like after 7years they should not be harassing me anymore. Im trying to find a way to report this collector/ clinic

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
On XX/XX/2020 I received a text from my sister saying she thinks she received a spam email regarding me. The email, sent by XXXX XXXX XXXX, was a debt collection email. This email contained my full name, the amount of debt, the account number and all of my personal information. This was sent directly to my sister and was never sent to me. I asked my sister to forward me the email and upon viewing the email I believed that this was a spam email because I did not owe money to any company called XXXX XXXX XXXX. But reading the email it appeared they are attempting to collect a debt that's owned by another debt collector. 

When addressing this with XXXX they dodged my questions on why this happened and why they are contacting me and instead tried to shake me down for money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-27 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: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
the money source mortgage co in the month of XXXX has reported to the credit bureaus the i am delinquent and 30 days late i have called multiple times to have them fix there mistake with no luck they say they will return my call but never do this has completely destroyed my credit with a cascade effect such as other institutes cancelling or lowering my credit limits to even further take my score lower in the past 60 days my score has dropped over 150 points for no reason i have never made a late payment on any of my accounts i worked for the last nine years to build perfect credit this has taken away all the hard work in a moment please help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Please see attached word document. This letter was sent to Navient. It shows evidence that Navient reported " On Time '' payment history for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for XXXX student loan accounts. However, Navient removed the " On Time '' status for each of these months recently and has not provided an explanation. See attached PDF document for response. Navient 's response does not acknowledge my question and is diverting to a different topic regarding " Negative '' payment history. This is in regards to reporting " No Data '' for the months listed above, not " Negative '' payment history. Perhaps their customer service person can not understand English? Obviously, this organization has 30 violations ( 5 accounts x 6 months payment history ) of the Fair Credit Reporting Act, regardless of their stance, since they are modifying historical account information on an on-going basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
I have contacted EOS CCA via certified mail requesting validation of a claim that I owe them XXXX, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list ), showing that I have ( or ever had ) some contractual obligation to pay them.I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from XXXX for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.Therefore if XXXX can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract, this must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One Bank has ignored my requests to validate their account. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XXXX, and XX/XX/XXXX Capital One Bank received a notices from me and they have not responded to any request. 

Capital One Bank has failed to respond to several requests of validation. This account has updated each time to the 3 major credit bureaus.

Capital One is also reporting multiple addresses to each credit bureau making communication even more difficult. This account has also charged-off two times ; with no current updates. 

Capital One is NOT a HOLDER IN DUE COURSE and this is why they have not responded. 

Neither XXXX nor XXXX provided validation of ant sort. I will update reports also if need be to further prove that these companies are ignoring my letters This account was also sold to a third party debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Adjustments Inc
State: CA

Complaint narrative:
My daughter was taken to the ER  few years ago by her father, he signed the check in and signed the discharge for her. After few years i started getting contacted about a bill of {$710.00} for that visit, i tried to solve this issue with the hospital but they simply ignored my information and did nothing about it, now i see that it has been hitting my credit score when it should had been in my ex husbands credit score, i was not responsible for that.

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 2020-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In a 5 year period our identity was stolen along with our checking reported to police an credit bureaus they still have on our reports an we are unable to buy a house as a result also we paid off a XXXX loan an it doesnt show on credit

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 2020-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Maryland Bank of America Unemployment locked my card over a month ago and I havent heard anything since. Ive uploaded the documents they were requesting still no luck. My remaining balance was XXXX when this happened.

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 2020-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
the money source mortgage co in the month of XXXX has reported to the credit bureaus the i am delinquent and 30 days late i have called multiple times to have them fix there mistake with no luck they say they will return my call but never do this has completely destroyed my credit with a cascade effect such as other institutes cancelling or lowering my credit limits to even further take my score lower in the past 60 days my score has dropped over 150 points for no reason i have never made a late payment on any of my accounts i worked for the last nine years to  build perfect credit this has taken away all the hard work in a moment please help me with this

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 2020-09-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
the money source mortgage co in the month of XXXX has reported to the credit bureaus the i am delinquent and 30 days late i have called multiple times to have them fix there mistake with no luck they say they will return my call but never do this has completely destroyed my credit with a cascade effect such as other institutes cancelling or lowering my credit limits to even further take my score lower in the past 60 days my score has dropped over 150 points for no reason i have never made a late payment on any of my accounts i worked for the last nine years to build perfect credit this has taken away all the hard work in a moment please help me with this

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 2020-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
SOMEONE STOLE MY IDENITY AND I NEED THIS ACCOUNT DELETED AND REMOVED FROM MY ACCOUNT

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 2020-09-27 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:
SOMEONE STOLE MY IDENITY AND I NEED THIS ACCOUNT DELETED AND REMOVED FROM MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: FL

Complaint narrative:
SOMEONE STOLE MY IDENITY AND I NEED THIS ACCOUNT DELETED AND REMOVED FROM MY ACCOUNT

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 2020-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
Due to Covid19 I pulled my credit report, and Noticed 2 FRAUDULENT ACCOUNTS. This is ruining my credit, and way to survive during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: SC

Complaint narrative:
XXXX XXXX XXXX has ignored my requests to validate their account. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XXXX, and XX/XX/XXXX XXXX XXXX XXXX received a notices from me and they have not responded to any request. 

XXXX XXXX XXXX has failed to respond to several requests of validation. This account has updated each time to the 3 major credit bureaus. 

XXXX XXXX is also reporting multiple addresses to each credit bureau making communication even more difficult. This account has also charged-off two times ; with no current updates. 

XXXX XXXX is NOT a HOLDER IN DUE COURSE and this is why they have not responded. 

Neither XXXX nor Transunion provided validation of ant sort. I will update reports also if need be to further prove that these companies are ignoring my letters This account was also sold to a third party debt collector.

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 2020-09-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX has ignored my requests to validate their account. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XXXX, and XX/XX/XXXX XXXX XXXX XXXX received a notices from me and they have not responded to any request. 

XXXX XXXX XXXX has failed to respond to several requests of validation. This account has updated each time to the 3 major credit bureaus. 

XXXX XXXX is also reporting multiple addresses to each credit bureau making communication even more difficult. This account has also charged-off two times ; with no current updates. 

XXXX XXXX is NOT a HOLDER IN DUE COURSE and this is why they have not responded. 

Neither Experian nor XXXX provided validation of ant sort. I will update reports also if need be to further prove that these companies are ignoring my letters This account was also sold to a third party debt collector.

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 2020-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc
State: GA

Complaint narrative:
The collector is H & R accounts On XX/XX/XXXX I paid the full amount of the account and I called and asked that it be disclosed however on XX/XX/2020 they report it to the credit bureau as a collection. 
When I called them they said it will be send to the credit bureau at the end of the month Five days after I paid the account in full they add it to my credit report is that legal. 

Regards XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
I was in a disaster forbearance due to covid-19. I requested another disaster forbearance due to being unable to pay. I am still looking for work. I reached out to my lender, AES, on XXXX XXXX a few days prior to a reported delinquency would occur. The representative that I spoke with processed my request, but didn't tell me I would receive a negative credit reporting while I wait. She did not advise me this over the recorded line. This is a devastating mark to my credit. I am requesting that this be reversed. I have attached proof of when I requested it and when I received notification back from the lender of a denial which was after my due date. I am requesting that the call be pulled to prove the representative did not advise me of what I needed to do in the interim while I waited to hear back. The representative was not pleasant either. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I tried to get a credit increase on both of my Chase credit cards. Not only they do a hard pull on your credit report, they will also need to pull two separate reports for two credit cards which is not logical. They can use one hard pull and utilize that " one hard pull '' to establish multiple increases. I have been a Chase credit card client for many years and my credit is above 800 via the XXXX rating platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: WI

Complaint narrative:
On XX/XX/2020 I disputed this debt. I have never signed a contract. I don't know who this company is. I have not done business with this company. I do not owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: WA

Complaint narrative:
They keep reporting the wrong information to my credit report. There are two separate accounts they made instead of one collection but also this debt is no longer owed. The information is outdated and their communication was not up to standard when I tried to dispute information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I made my payment in XXXX and went in to forbearance because of Covid-19, I called SLS multiple times and didn't get any help over the phone. I was told I was going to be sent something in the mail but nothing was ever received. I was reported late in XXXX and I am not late. I even scheduled two payments to be caught up in XXXX. Because of the pandemic there is no reason i should have been reported late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation