vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted WELLS FARGO on XXXX XXXX at XXXX XXXX to inquire if we have the option of a non impound or non escrow account and what is their process. The representative said that they will mail out a form for us to review. I called the next morning on XX/XX/2019 at XXXX XXXX to inquire about the name of their form which the rep name XXXX said it was an Escrow Deletion Form. We expected to receive this form to review it and make our decision after reviewing the form. We had an escrow shortage due XX/XX/2019 in the amount of {$160.00}, we paid it on XX/XX/2019. After paying the shortage our escrow balance had a credit of XXXX ( XXXX Cents ). On XX/XX/2019 we paid our XX/XX/XXXX Mortgage payment which {$390.00} goes to escrow but the escrow balance is showing a negative $ XXXX. It should be a credit of {$390.00}. On XX/XX/2019 we paid our XX/XX/XXXX Mortgage payment and {$390.00} goes to escrow but our escrow balance is showing {$25.00}. Instead of receiving an Escrow Deletion Form in the mail we got an Escrow Closing Notice that was dated for XX/XX/2019 indicating that our escrow account will close on XX/XX/2019 stating because we asked them to close it and if we want to keep the escrow account we must call the number in the account information box by XX/XX/2019. I called on XX/XX/2019 to inform them that I did not ask them to close it. I followed up with a letter and faxed it to them on XX/XX/2019. Then, we received a Notification of Assignment, Sale or Transfer from XXXX XXXX XXXX XXXX XXXX XXXX also dated for XX/XX/2019 the same date as the Escrow Closing Notice from WELLS FARGO effective XX/XX/2019. The transfer of ownership has not been publicly recorded. WELLS FARGO remain as the Servicer for XXXX XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and left a message for someone to return my call and No one ever did. Now, we just received a Transfer of Servicing of Your Mortgage Loan dated for XX/XX/2019, Effective XX/XX/2019, the servicing of our loan is being transferred to XXXX XXXX XXXX , XXXX. WELLS FARGO will no longer be accepting payments. This seems like a tactic of WELLS FARGO to make it difficult for us when we decide to have a non impound 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 2019-05-23 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: CO

Complaint narrative:
Disputes for identity theft on a XXXX XXXX credit card account ( account number unknown ) opened in XX/XX/XXXX on my EQUIFAX credit report via US Mail were sent in mid-XXXX and early-XXXX but were not responded to. Disputes online in mid-XXXX, late-XXXX, and early-XXXX were completed but ruled against my favor without any additional information or verification of the debt being legitimate. The account was opened before I reached the age of XXXX and was the result of identity theft that was discovered when I began university in the Fall of XXXX. I have repeatedly demanded the credit bureau remove the account from my report due to this fact, using FCRA 605B as the legal precedent in my demand. I submitted my disputed with the FTC Identity Theft Affidavit in all cases. They have refused to take action on the account as legally required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
back in XXXX I payed the entire balance off on my American Express card. Thinking that entire amount was paid the following month I made no payment. Appox 30 days later I receive a late notice along with a bill for past occurred interest as well as a late payment fee. I contacted amex and was informed I would have to pay this amount of {$79.00} for accured interest and a late fee of {$35.00} and also my account was subject to a credit interest increase. So I paid the entire amount on date I always made my payments on. Thinking to myself that amount would take careof them and I certainly would not be using your card in your longer okay that didn't happen this month I received another bill for {$35.00} for a late fee stating that the payment was not received until the XXXX of the month although I make your payment electronically through my bank as I have always in the past on the XXXX of the month which is the day that I get paid on. So now I have a new bill again for {$35.00}! in late fees and they are also reporting me late to the credit bureaus. I might mention that they sent me a later stating that if I were to fileba dispute with credit bureau they would be cancelling my account. I don't know what kind of business practices by are these but it sounds as if they are making threats. I need assistance with them because even when I called to get this straitened out the person I spoke with was very rude and menecing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: IL

Complaint narrative:
I have called Sallie Mae on multiple accounts expressing my financial distress, stating the required monthly payment on the " only plan offered '' is nearly 70 % of what I make monthly. 

I was told on multiple occasions that only when my loan went into deferment ( and it did, from not paying for 5 days past ) were they permitted to discuss " alternative payment options. '' After completing all the information needed to access such a plan, I was informed the interest I had was already the best they offered, and that enrolling in this new plan would actually increase my monthly payments. 

I then implored them to leave me on the default plan which is still and for 6+ months now has been destroying my credit and savings. 

On top of everything, the representative had the audacity to suggest I seek alternative employment such as working in a store or coffee shop, instead of continue working freelance in my field and acquiring more work clients and experience as I go. AN incredibly inappropriate, unprofessional assumption to extrapolate on the idea that I am simply not working hard enough ... 

Overall, Sallie Mae 's whole process was and consistently remains incredibly inhumane in their inability to budge from their signature payment plan that holds no regards for annual salary, or even those living below or around the poverty line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On the report mailed via postal service, my personal information continued is NOT CORRECT and listed places I've never lived and lists my spouse which I've never been married.

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 2019-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Oh XX/XX/2018 I was the victim of 2 scam artists using the Cash App system. 
authorization code : XXXX transaction ID number is : XXXX I later complained multiple times requesting a refund which they have refused. I was told the scam artists account was closed, but then to test this i sent them {$1.00} on XX/XX/XXXX and it went right through. 

So I was lied to that their account was closed and they were kicked from the system. 

thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: NV

Complaint narrative:
On XX/XX/XXXX, I made 2 purchases using my XXXX XXXX XXXX provided by XXXX XXXX XXXX in the amount of {$57.00} and {$4.00}. I also made a purchase on XX/XX/XXXX for {$6.00}. All of these charges show as processed through my bank account. On XX/XX/XXXX I discovered my XXXX XXXX XXXX had been restricted due to non-payment from my bank. I contacted my bank and they show that all charges did go through as they are shown on my statement. 

The first time I contacted XXXX regarding this they told me I would need to wait a few days for it to clear their system and to call back later. The second time I contacted XXXX they told me to call back later because they were having system issues. The third time I contacted XXXX they told me that they showed payments still had not been received and that I needed to contact Complete Payment Recovery Systems, Inc. regarding the charges. 

Today, XX/XX/XXXX, I contact Complete Payment Recovery Systems, Inc. and they do show that all of my charges have been paid. However, 2 of the charges had to be " resubmitted '' and due to that I am being charged a {$25.00} fee. When I asked them about the fee they told me that XXXX had to notify me of the fee, even though they were the ones charging me the {$25.00}. According to the Complete Payment Recovery Systems , Inc. floor manager that even though they were the ones charging me the fee that based on " cfpb law '' they are not required to provide me with the terms and conditions showing where the fee came from and that XXXX would have to provide that to me. Even though this fee was being charged by Complete Payment Recovery Systems, Inc they assured me that they had no requirement to furnish proof of that fee and did not need authorization to charge my bank account directly. 

After getting nowhere with that call I contact the XXXX customer line again to ask about the terms and conditions of this fee. I was assured, by agent XXXX, that it was in the pamphlet that had been provided to me when I received the card, but beyond that they could not provide me with the terms and conditions. After repeated attempts with the XXXX agent trying to get some sort of back up or reasoning for this fee, even though my charges went through to my account, I was told that I would have to call back at another time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have had an Amazon store credit card since XX/XX/2016. It is managed the Sychrony Bank. I have had my limit increased from the beginning of {$1000.00} up to {$1300.00} dollars. I have repeatedly always made my payments on time. They have reduced my limit now 3 different times and are damaging my credit score everytime because of reducing my open availability. There is no warning or reason given as to why they are decreasing my limit. I have had it with major corporations damaging the ability and credit of regular people making their payments on time. The current FICO system is flawed as it is. We as consumers do not need to be at the mercy of big banks making it worse for us to keep our credit profiles up. It is easy for them to bring or scores down quickly but it takes an army to get them to bring it back up when we are paying our debt service on time. I want my scores update correctly by the bureaus and my limits restored so my credit score reflects it. This is not the only company that has done this to me. It was also the victim of this practice by XXXX XXXX XXXX XXXX XXXX. Apparently this is an inherent practice by banks on their customers that pay on time and pay their obligations off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Like in XX/XX/2019, I received over the mail a promotion for an XXXX credit card. They offered me XXXX miles if I was approved for their citi/XXXX credit card. 

While submitting the application online, the system did NOT approved my application with a note that an agent would contact me. Like 10 days or so later, I received a welcoming docs over the mail Citi " Premier '' credit card instead. At that moment I remembered that it happened in the past when I also applied for the Citi/XXXX card online and Citi sent me a different card that I also rejected! 

I called them asking for an explanation, and they let me know that in order to get that promotion, I must have not owned or applied for the " famous '' Citi/XXXX in the last two years. So, I let them know, if I did NOT meet the requirements to apply, 1 ) why they sent me the offer ...

2 ) why they took the liberties to approved me for a different card without my consent! 

So, I canceled that credit card. My credit scored suffered for nothing! 

At the end, I have to call them again, because I received over the mail a statement with the charge of {$95.00} for the annual fee ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have written Trans union on several occasion with reporting inaccurate information on this collection account. Trans union has no updated this account to a charge off, when it clearly was not. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- XXXX How can it be a charge off when XXXX XXXX XXXX XXXX XXXX was the original creditor, how can a collection company list it as a charge off. 
There are several inaccurate information on this account. This account should removed, reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: MD

Complaint narrative:
I don't know who this company is and why their on my credit report. I have not filled out for any credit. This company is committing fraud without my legal permission and rights. When I called they told me they didn't care about what I had to say and then hung up. I also filed with a complaint with FTC about this situation and alerted the credit bureaus of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifazx and XXXX are reporting that my credit score is being impacted by the credit inquiries on my file. The inquiries were part of mortgage rate shopping when I was buying a home in XXXX XXXX. 

I called Equifax complaint line and the representative suggested that they can not do anything about it and that I need to wait until they fall of my report in XXXX / XXXX of XXXX. 

Its unfair that mortgage rate inquiries are reported to be impacting my credit score and staying on my file for 2 years and affecting my credit score negatively. This is detrimental to the dream of being a home owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I checked my transunion credit score on various sources on on XXXX and my transunion score was XXXX XXXX even XXXX something I believe at one point.

Then applied for a loan at XXXX  and now the score is unavailable online and I was rejected for the loan and they only give me feed back of a transunion score of XXXX.

I was just at XXXX or higher when i applied how did it go down? I didn't miss any payments in fact I paid off my credit card. I only have 1 card left. I don't understand my credit is not even that bad.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: EOS Holdings, Inc.
State: MA

Complaint narrative:
This company claims that I have a balance of {$260.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to them asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a bill with the amount that they claim that I owe to them. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On the bill it shows XXXX XXXX as the original creditor but I never had an account or a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I had a Victorias Secret card card when I lived in Oregon for a number of years. Always paid my bill and was never late and never over the balance. I paid off the card in XX/XX/2018, it was at a XXXX balance. I was scheduled to move into a new apartment at the end of XX/XX/2018. I started to move in and was unable to due to a bug problem and it was delayed for three weeks. Since I paid of the Victoria Secret credit card I didnt notice it missing until I received the statement and saw the changes, I reported it immediately. I wrote to the FTC, I put a freeze on my credit and I wrote a statement to Victoria Service. Not once did Victoria Secret send me a an acknowledgement letter or a Declaration of fraudulent activity. My case has been investigated twice and denied twice. I asked for the proof they have that those transactions are mine and they refused and told me to submit a subpoena. I have been fighting this for almost three years, my history with them should be enough to show this was not me. I was denied my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I was notified on XX/XX/XXXX that an account was added with collections for a debt of XXXX by XXXX and sent to Diversified ADJ SVC to Collection Department with a Account Number XXXX. That account or debt does not belong to me. I have been a victim of fraud or identity theft, I already have an alert in the credit companies for fraud alert since XX/XX/XXXX. I need you to please verify all that fraudulent information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX and Equifax are not sending me updates. I have written several letter over the past few months with no response. 
Equifax send email confirmation, but does not allow me access when I visit their website to check. I have requested numerous times for my reports to be mailed. This is very fustrating since they continue to report inaccurate information on my credit report, which is against the law. 

Equifax Equifax Dispute Completed Notification RemindeXXXX. Confirmation Number : XXXX Fri, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Completed Sat, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Completed Thu, XX/XX/19 Read Equifax Equifax Dispute Completed Notification Reminder. Confirmation Number : XXXX Wed, XX/XX/19 Read Equifax Equifax Dispute Completed Notification Reminder. Confirmation Number : XXXX Wed, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Wed, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Mon, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Sun, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Fri, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Thu, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Mon, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Mon, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Mon, XX/XX/19 Equifax Equifax Confirmation Number : XXXX - Dispute Received Equifax Confirmation Number : XXXX - Dispute Received

Company response to consumer: Closed with explanation