vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Company posted negative false report on my credit report. I never had said account and I have reported it as false identity and notified credit bureau and collection company. Date opened on credit report XX/XX/2018, last updated XX/XX/2018 on my credit report. Amount that is stated that is owed is {$490.00}. 

I have disputed this with credit bureau and with collection company and notified them that i never had this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In late XXXX I got behind in my payments on a home loan with Wells Fargo due to financial hardship. I applied to have my loan modified and it was taking several months. I was told not make a payment until it was finished. In XX/XX/XXXX I went on XXXX XXXX orders with the XXXX XXXX XXXX and continued to try and get the loan modified. I was told that I would be put on a deferment and make a partial payment, despite wanting to just have the loan modified and move forward. I started the process again in XX/XX/XXXX and it wasn't until the spring of XXXX that I was told I did not qualify for loan modification. I was told my home would be foreclosed unless I could pay the balance. I asked if I had any other options and, for the first time, I was told I could sell the home. I was able to sell it a day after it went on the market and pay off the loan in full. However, this has had a very negative impact on my credit report. I recently found out that I should have easily qualified for a loan modification due to my military status. I feel I was not completely informed, especially in regards to being able to sell my home.

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 2019-01-19 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:
On XX/XX/XXXX XXXX, FL was hit by Hurricane Irma. My home and  yard sustained minor damage, but enough to need money to fix. XXXX XXXX sent an email offering Forbearance on my mortgage, a government program designed to help alleviate financial burden to those in need. The language in the email includes : " Q : How will a forbearance plan impact my loan? 
A : A forbearance plan is a temporary suspension of your monthly mortgage payment. During the forbearance period, payments are not required. In addition, negative credit reporting will be suppressed and late charges will be waived for the duration of the plan. '' Believing this would help I decided to take advantage and use the money to make some needed repairs and I could repay the loan when it was due or do a payment plan that oceanside would later offer. The 3 month term on the suspended payments goes by and I receive a phone call from XXXX XXXX   asking how I would like to pay. I originally was going to do payments but due to all of the overtime I received from being a XXXX/XXXX during a natural disaster I ended up being able to pay the balance IN FULL before the due date. I was never later and i complied with all terms. 

A year later, during the first week of XXXX, I received a credit alert that my score had dropped 55+ points. Suspecting fraud, I immediately starting checking my accounts. I pulled an XXXX credit report, only to find this languange " Between XX/XX/XXXX and XX/XX/XXXX the following remark wad removed from this account : AFFECTED BY NATURAL DISASTER. '' I immediately contacted XXXX XXXX and was advised that there was nothing they could do. I explained to them it was forbearance and I wasn't truly late but they repeated there's nothing they could do. The next step I took was to file a dispute with transunion. Nothing was done. Here I am 17 months post-Irma and this issue has affected me once again. I applied for a loan on a home and was informed I was denied due to " 60 days late payment from XXXX XXXX '' I am being held hostage by my incorrect credit report. I wish for my credit report to be reflected accurately with NO LATE PAYMENTS. I adhered to the terms offered for forbearance and should not be punished for utilizing a government program.

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 2019-01-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX I attended XXXX XXXX XXXX XXXX location. The school did not properly provide the advertised accreditation. They are now closed for business. They over priced the education that we received and can not use the degree we earned.. as falsely advertised. I owe Sallie Mae/Navient {$82000.00} with payments of {$720.00} that I can not afford. I need help and dont know what to do or how to go about it. This school was in a lawsuit and so was the lender. Can someone please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: PA

Complaint narrative:
Company reported a debt to the credit bureau. This debt is not mine. I have notified the company and filed a dispute with the credit bureau. I have no idea what this debt is or who is responsible. Amount is {$1000.00}. Date open says XX/XX/2018 on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This is in reference to Complaint number : XXXX-XXXX. Wells Fargo issued a response to the previous complaint, however, they did not actually do what they said they were going to do. 

In their response to my prior complaint, their letter says, " After reaching out to Branch Manager XXXX, our office was informed that she would be able to waive the stop payment fee. '' However, when I attempted to go to the bank and collect my money yesterday, I was told that the branch manager was unavailable and that they had no interim branch manager. Today I received a call stating that the stop payment fee would be waived and I would be charged a {$30.00} surety bond fee instead in order to reclaim my money. Otherwise, they said I had to wait until XX/XX/XXXX to reclaim by money without a fee. A fee by any other name is still a fee. I closed by account in XXXX and simply want the {$1500.00} that was left in the account back -- no more, no less. Unfortunately, Wells Fargo has made that impossible for me and insists on charging me excess fees for a check they allegedly issued that I never received. Furthermore, their response to my prior CFPB complaint was incredibly deceptive ; they simply replaced 1 fee with another.

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 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Credit Education Services
State: GA

Complaint narrative:
XXXX I submitted and trusted XXXX protection plan by good faith to assist in repairing my credit or Positive Credit Builder as they may call it. My personal information was exploited and am effected in a negative way by resulting in more inaccurate non verified information for the accuracy on my name and report. This company was paid and I recieved nothing as guaranteed. The company submitted Inaccurate information with my name and social security. I have never recieved any credit updates, only more negative items on my credit. As a result have suffered financial hardship, theft, and fear of the privacy and good will for what represents me which is now falsely added making me look horrible as a human being. XXXX I filled identity theft and was not protected nor notified by any agency or reporting agency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: CA

Complaint narrative:
I received a notice of collection from a company called PennCredit Corporation in which they are stating I have 30 days to pay {$240.00} for an electricity bill from XX/XX/17 in which I have no idea what it is. It lists an address that I have never lived at and I can prove this if needed. The company they are collecting for is by the name of XXXX XXXX, never heard of this place either but the company looks reputable. I looked up reviews on this collection agency and they are notorious for having a bad reputation and have tried to collect on many debts that are fraudulent. Please help me with this issue asap. There is one more thing and that it is not being reported on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One Bank USA NA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX They were to automatically withdraw the payment and did not because I am on autopay. They were called and they were to fix it and said they did. Now I see from checking they haven't fixed the problem. I was not late at all. I paid the payment online after talking to them. Because they did not take the payment out, which definitely not my fault. It clearly was there. The payment they missed was XX/XX/2018. 
As you can see I take my payments very seriously. I go back five years and have never missed or been late on one payment. Thank you for your time, it is greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Was notified through a credit monitoring company that a new creditor was listed and to look over to see if it was correct. Listed me as having taken out a loan between XX/XX/XXXX-XX/XX/2019 be with XXXX XXXX XXXX XXXX for {$900.00}. First that is 100 % fraudulent and a simple XXXX search shows this company as being fraudulent. Second, be was never notified in writing of debt, probably because it is fraudulent and have no idea where I live. There was no attempt to claim sent before filing it as needing to be collected even according to the false claim it had only been a week since the debt was incurred. This is such an obvious lie they had to know they were involved in illegally claiming this debt. They have followed not one law on this bogus debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection
State: FL

Complaint narrative:
XXXX XXXX is always reporting that I owe them in which I dont even have an account from them. I havent used any XXXX in my apartment and my previous apartment. This is a scam. Someone is using my identity.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2019 XXXX payment made. Missing from account. Bank has not refunded {$2000.00} that was meant for loan care. The executive resolution department XXXX and XXXX were very disrespectful and deceiving as the information given. XXXX stated money is no where that they can trace but, back office still needs to credit. I apparently need to watch my mouth when it comes to money because, money laundering is only an accusation. They dont know where the money is so ... how can that not be a true statement? An illegal activity money was taken and never returned by USAA with use of deceitful associates and accounting to continue to not know what happened and XXXX has it but, XXXX wouldnt charge an NSF on my USAA account thats how I know USAA has my money and using every tactic possible to steal my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: MD

Complaint narrative:
Duvera Billing Services Is reporting a account on my all three of my credit reports which is XXXX, XXXX  and XXXX that dont belong to me. The account is showing a open status of XX/XX/XXXX and have a balance of {$1000.00}. I have reached out to this company XX/XX/XXXX and did not get any help to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital one has charge back away more charges then what was authorized I have file disputes as including of our police reports of identity theft yet they continue to take the merchant 's word over mine and of charge back over 600 dollars of charges on my credit cards but they can't validate them. I show 2 in screenshots I has some information I show screen shots and they still reversed the the adjustments after I report fraud so they're not backing behind their fraud prevention. They have charged me XXXX for a website I can't access for jobs when I have a job. They can't show signature for delivery of something I allegedly authorized XXXX for. Tracking that says it was delivered and it wasn't. A plane ticket when they see I'm in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Due to the butched up involvement of this very institution, after I HAD DENIED A CHARGE OF INSTANT CASH WITHRAWAL, Citybank had failed to remove that charge from my bill so I had asked this institution to UPHOLD FEDERAL LAWS OF A DISPUTED CREDIT TRANSACTION!! This institution failed to assist in complying with federal credit laws!! 

Now, Citybank had claimed to close the disputed account, and WITHOUT ANY APPROVAL they opened a second and a third account ADDING THE DISPUTED INSTANT CASH WITHRAWAL TO THE NEW ACCOUNTS, completely without my approval at all!! When contacted Citybank, they claimed that the accounts WERE OPENED BY THE XXXX IN XXXX, their security division. This is became a nightmare by a RUGE BANK who disseminates credit and personal information to a FOREIGN COUNTRY which has no duty to comply with US LAWS and able to do anything with the information of a US customer, citizen, without any recourse by the very citizen.

I demand US Attorney General to review Citybank 's conducts and assess the highest fines available to a RUGE BANK, repeatedly violating US credit laws!!

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 2019-01-19 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX the co-debtor on an auto loan through GM Financial filed Chapter XXXX Bankruptcy. This plan was confirmed on or around XX/XX/XXXX. The car loan through GM Financial was included in the wage earner 's plan and paid regularly by the Trustee. In XX/XX/XXXX the court issued an order that the car was to be surrendered under the plan and the balance of the loan after proceeds from the sale of the vehicle would be considered unsecured debt paid at 100 % through the plan. I am listed as a co debtor on this account and am protected under the automatic stay. Fast forward to today, nearly 3 months later, and the car is still here. GM Financial has knowingly and fraudulantly reported the full balance of the loan on my credit report, marked the account as 180 days derogatory as of XX/XX/XXXX, which is not accurate considering the Trustee paid them in XX/XX/XXXX. They also changed to notation on the account to reflect open and delinquent as opposed to included in chapter XXXX wage earners plan. They are violating my co debtor rights under the automatic stay and hindering my ability as a consumer to get financing for a car as their malicious and deliberate false reporting dropped my score nearly 80 points and tainted my account history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-19 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: LA

Complaint narrative:
I have sent several certified letters to Transunion requesting their method of verification. The company has failed to provide any of the proof I requested. I have asked that they perform an independent investigation of the accounts I have disputed and send a copy of the information that proves the information was verified by the original creditor. Transunion has not provided any method of investigation as I have requested on several occasions

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 2019-01-19 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: BB&T CORPORATION
State: MI

Complaint narrative:
On XX/XX/2018 I filed a Chapter XXXX Petition in the XXXX, MI Federal Court.  Sometime in XX/XX/2018 my plan was confirmed and the auto financed through XXXX XXXX was ordered to be surrendered. In XX/XX/2018 the lender retrieved the vehicle from my residence and sold it at auction leaving a residual balance of around {$9000.00} which was rolled into my Wage Earners plan to be paid at 100 %. XXXX reports to XX/XX/XXXX and XX/XX/XXXX. They are currently reporting correct information to XX/XX/XXXX, however, for some reason they reported nearly 12 months of late payments that destroyed my report. I disputed this item and called the creditor numerous times and requested they correct their XX/XX/XXXX reporting. They verified their reporting was incorrect and verified that they sent over the correct information to XX/XX/XXXX on 3 different occasions. XX/XX/XXXX alleges they never received the updated information so my score is still suffering because of this one account and XX/XX/XXXX 's " simple '' upload process does not work as it says my 2 pages document to prove this error is " too large to upload ''. The XX/XX/XXXX Dispute team is not helpful what so ever and the guy I talked to today even hung up on 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 2019-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I have put in for disputes I recently XX/XX/XXXX Have received a call from my parents home about being served papers of a court summons dates XX/XX/XXXX Not giving me the proper timing to respond This has shown on my credit report by two different collectors I have no idea the debt their collecting And frankly feel like their fraudulently doing this ... 


Last year XXXX XXXX XXXX asked me to pay a large lump sum through some account I did and its still on my report after sending XXXX two years ago its still there .... 

So this makes me feel like this maybe something similar that their trying to pocket money for a XXXX XXXX I do not recall any loans from this bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: MD

Complaint narrative:
Trident Asset Management is reporting a account on my credit report XXXX, XXXX   and XXXX which does not belong to me. The account shows a open status from XX/XX/XXXX to present. I reached out to the company on XX/XX/XXXX about this account and did not get any help with the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation