vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 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: VA

Complaint narrative:
In XX/XX/XXXX, used credit card to purchase airline tickets for travel in XX/XX/XXXX. In XX/XX/XXXX, I closed the credit card as it was no longer needed. However airline tickets for the referenced XX/XX/XXXX travel was cancelled due to COVID-19. In XX/XX/XXXX, airline provided refund in the amount of {$570.00} for the cancelled airfare and returned the funds to the closed credit card, as it was the method of payment used for purchase. I've sent an inquiry to Wells Fargo to determine how to obtain the refunded monies and was informed I would have a response within 10 days of XX/XX/XXXX, which would have been XX/XX/XXXX. I've made multiple phone calls to attempt to ascertain status but I'm constantly told that the case manager is not available and will return my calls. This has not 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 monetary relief
Consumer complaint received 2020-07-01 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi spoke with a representative this morning with Wells Fargo credit card department. I let him know that my account was still reporting as a charge off in my monthly payment status update. 

There should be nothing to report. Instead of an ( x ) there should be a (. ) or a NR - no report for XX/XX/2020 and continuing forward. Instead my monthly update continues to show an ( x ) like a missed payment or charge off. 


Please update monthly payment history. Remove ( x ) mark or charge off monthly status to ( NR ). 

I am aware my account status remarks will say paid charge off however my monthly update history since XX/XX/2020 should not report an active charge off like this account wasnt paid. 

Ive attached my documents below. Thank you.

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 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc.
State: TN

Complaint narrative:
The creditor never notified me in writing that i led money and never notified me of the right to dispute. I didnt receive any notice at all until i saw a negative mark on my credit report. I dont even know what the XXXX dollar charge is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I made a withdrawal at one of US Bank 's ATMs located at XXXX XXXX XXXX XXXX. in XXXX, in the amount of {$300.00}. My daily limit is {$300.00}, yet the bank has charged me for TWO {$300.00} withdrawals and has not corrected it. I spoke with XXXX at their XXXX customer service number at XXXX XXXX on XX/XX/2020 and he assured me that the bank would correct this error by morning. It has not and the charges are no longer PENDING, but POSTED. Please step in and make them credit the {$300.00} I did not take out of my account. Again, my daily LIMIT is {$300.00}, so it's an IMPOSSIBILITY that I could take {$600.00} ( {$300.00} x 2 ) from my account. XXXX said that the " ATMs are getting hard use, '' but that doesn't solve my problem. Please help me get my money back soon. I have bills to pay. Thank you!!!

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 2020-07-01 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: TX

Complaint narrative:
INQUIRES THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM ALL FTC VIOLATIONS! 

ACCOUNTS : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: WI

Complaint narrative:
I lived in XXXX XXXX, Iowa in XXXX. I incurred debt to XXXX  XXXX  XXXX  during my time there. Diversified Adjustments is a debt collector agency which claims my debt is from 2019! This is clearly in error and against the law to show on my report. XXXX  does not show this mark account at all. I will even concede that I still owe even though I know I paid this. I must have lost the receipt. Please honor logic and change the account open date to sometime close to when I lived in XXXX  XXXX  XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Hello, Multiple attempts have been made to resolve an issue regarding the escrow on the account and the forced insurance that would be placed resulting in an adjustment ( more money monthly ) in the payment. Since XX/XX/2020, documents regarding insurance information was faxed by myself, the homeowners association and the insurance provider. 

A letter was received from Shellpoint stating the issue was resolved as of XX/XX/2020. Fast forward to XX/XX/2020, the insurance placed on the escrow account was added resulting in an additional {$37.00} per month. Calls to Shellpoint seem to go unresolved with the latest XX/XX/2020 with a XXXX XXXX, XX/XX/2020 a XXXX and the last one with a XXXX XXXX XX/XX/2020. All customer representatives have apologized and have given various responses to why things have not resolved all conflicting the last representatives information. The last call I was informed things did not escalate however a payment can be made over the phone and Shellpoint could manually place the previous payment back on the account. If more information needed/required, please advise. 

Thanks, 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 2020-07-01 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: TX

Complaint narrative:
I had a debt canceled by the creditor, I was issued a form 1099-C as verification of canceled debt. Once the debt is canceled it can no longer be reported. I supplied a letter to Transunion bureau along with with a copy of the above notice of cancelation from the creditor with all account numbers and information clearly visible. This was per my attorney 's advice and politely asked that they remove the canceled debt from my report. Additionally, with the information provided by my attorney, I cited in the letter legal context for why the information can no longer be displayed on my credit report. The Bureau responded that " Consumer 's dispute not specified, Consumer Information verified. '' Providing legal documentation, federal law title, code and subsection is " Not Specific ''? Along with the federally recognized cancelation document is " Not Specific ''? instead the company 'updated ' information which caused my credit score to decrease, this is illegal. Further, I am resident of Texas and Texas law 20.06 of Title 2 Chapter 20 of the Texas Business and Commerce Code ( 2002 ), protects consumers from punishment by credit bureaus for disputes and mandates that invalid, incorrect or misleading information promptly be removed from a residents credit report. Credit bureaus are not permitted to punish consumers when they dispute accounts on their credit profile. I have been polite, I have tried to work with the company and I only ask that they remove the canceled debt from my report. My attorney has advised me to indicate that if the CFPB is not able to assist with remediating this situation, we will pursue other avenues with the credit reporting bureau.

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 2020-07-01 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: TX

Complaint narrative:
INQUIRES THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM ALL FTC VIOLATIONS! 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX 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 2020-07-01 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: TX

Complaint narrative:
INQUIRES THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM ALL FTC VIOLATIONS! 

ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX 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 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo reached out to its mortgage customers at the start of the Pandemic and in a flick of a button deferred my two mortgages for 3 months AND that the payments would be moved to the end of the loan. Now I have started receiving messages to call them or go online and tell them how I want to catch up and my payments are showing past due on the online banking site. I have tried to call again and again. I have been on hold for 52, 55 minutes listening to a message every 30 seconds that someone would be available shortly to help me. At the 50 plus minutes mark, they disconnect the call and instruct the customer to call again later. 

Their promise was that these payments would be moved to the end of the loan and that is what I expect to happen NOW.

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 2020-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Customer service does not correlato with the loan department with consolidation methods. Just recently I filed a consolidation request with US Education Department to consolidate my student loans under XXXX XXXX so that XXXX XXXX would become my only servicer for my student loans. First Navient took its time in providing XXXX XXXX pay off information, allowed someone to change my change my address on my account Nd sent me sn email of an address change ; and sent me sn email that my forebearance period woukd end next month knowlingly that the consolidation and playoff process with XXXX XXXX was to take place this month. Previously before the address change had taken place, I sdvised Navient that my account had probably been compromised via XXXX breach, and Navient ignored my request to protect my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Barclays is not applying their cardmember agreement to a purchase I made with my card. They refer to the cardmember agreement ( outlined below ) and I offer my rebuttal to their response. 
Cash Equivalents are defined as : the use of your card or account to obtain money orders ( XXXX is not a money order ), travelers checks ( XXXX is not a traveler 's check ), foreign currency ( XXXX is not foreign currency ), lottery tickets ( XXXX is not a lottery ticket ), gambling chips ( XXXX is not a gambling chip ), wire transfers ( XXXX is not a wire transfer ), person to person money transfers ( including, but not limited to transfers facilitated over the internet ) ( XXXX is not a money transfer ), or the use of your Account to open a deposit account ( XXXX is not a deposit account ) or to transfer value to a stored value card ( XXXX is not a stored value card ) at a location or through a merchant other than a financial institution and any other transaction that Mastercard ( I have requested what Mastercard considers a cash equivalent, and have received nothing ) may designate as a Cash Equivalent.

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 2020-07-01 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.DEPTEDXXXX  XXXX {$5400.00} DEPTEDXXXX  XXXX {$3700.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX {$130.00} XXXX  XXXX {$11000.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX XXXX {$830.00}

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 2020-07-01 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.DEPTEDXXXX XXXX {$5400.00} DEPTEDXXXX XXXX {$3700.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX   XXXX {$1700.00} XXXX XXXX {$130.00} XXXX XXXX {$11000.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX XXXX {$830.00}

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 2020-07-01 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: TX

Complaint narrative:
I had a debt canceled by the creditor, I was issued a form 1099-C as verification of canceled debt. Once the debt is canceled it can no longer be reported. I supplied a letter to Experian bureau along with with a copy of the above notice of cancelation from the creditor with all account numbers and information clearly visible. This was per my attorney 's advice and politely asked that they remove the canceled debt from my report. Additionally, with the information provided by my attorney, I cited in the letter legal context for why the information can no longer be displayed on my credit report. The Bureau responded that " Outcome - Processed '', nothing was done whatsoever to remediate the problem and remove the account from the report. Additionally, they state in the letter that was sent that one of 3 outcomes would happen, 'Deleted ', 'Updated ' or 'Remains '. They did not provide clear information what was done. I Provided legal documentation, federal law title, code and subsection, Along with the federally recognized cancelation document and they didn't remove the canceled account. instead the company did nothing but refresh information which caused my credit score to decrease, this is illegal. Further, I am resident of Texas and Texas law 20.06 of Title 2 Chapter 20 of the Texas  Business and Commerce Code ( 2002 ), protects consumers from punishment by credit bureaus for disputes and mandates that invalid, incorrect or misleading information promptly be removed from a residents credit report. Credit bureaus are not permitted to punish consumers when they dispute accounts on their credit profile. I have been polite, I have tried to work with the company and I only ask that they remove the canceled debt from my report. My attorney has advised me to indicate that if the CFPB is not able to assist with remediating this situation, we will pursue other avenues with the credit reporting bureau.

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 2020-07-01 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
On this day, XX/XX/2017, {$1500.00} appeared on my credit report. I do not have any knowledge of this debt and would ask to have it removed immediately.

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 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
XXXX has received a payoff of my mortgage. I sold my home on XX/XX/2020 and the attorney, XXXX XXXX, XXXX wired the payoff amount to XXXX. XXXX has refused to apply the funds to my account, reflect it as paid in full and issue a release. XXXX XXXX has also refused to refund the wire to the attorney after the attorney made numerous requests that the funds be applied to my account. To date, XXXX XXXX is still holding the funds ( Its servicer XXXX  ) and has not returned them or reflected a paid in full balance on 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 2020-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Performant Financial Corporation
State: OR

Complaint narrative:
On XX/XX/XXXX I received a letter from Premiere Credit regarding a notice to collect on a debt. I researched this debt and determined the amount owed, {$350.00} was exactly the amount previously forgiven by XXXX. Back in XXXX of XXXX, I received a notice to collect on debt from XXXX. The letter stated that the the amount owed of {$440.00} would be satisfied if I paid 20 % of the balance. On XX/XX/XXXX I paid with a debit card over the phone to XXXX the amount of {$88.00}. On XX/XX/XXXX a letter was issued to me by XXXX that this account was now settled in full. 

I relayed this information to Premiere Credit over the phone, and I was instructed to send any and all documents to them via email. I provided them with the original letter from XXXX, the settlement letter from XXXX, and a copy of my bank statement that shows the payment cleared. 

On XX/XX/XXXX I received a letter from Premiere Credit again asking for me to pay my debt of {$350.00} with copies of the statement from the original creditor ; XXXX XXXX, and 3 Bill of Sale documents labeled as Exhibit 2, Exhibit 2a and another Exhibit 2a. I feel as if they did not review the information/documents I provided to them, and are still attempting to collect on debt already settled by using legal documents to intimidate me into paying what has already been settled and paid in full.

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 2020-07-01 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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