vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
XXXX sent my account to collections for a transaction. XXXX never issued me payment for an item I sold. They held payment because I was a new seller. The buyer returned the item however I never collected payment. XXXX issued a refund to the buyer but attempted to debit my XXXX account for the refund amount. My paypal account never received the funds from XXXX in the first place. My XXXX account is linked to my XXXX. XXXX has now sent me to a collection agency for the funds and is destroying my credit. Ive attempted to resolve and investigate over a dozen attempts via call and email with both XXXX and XXXX since XXXX 2020- now XXXX XXXX.over 9 months I have been seeking answers and resolution. XXXX refuses to give me any insight or proof and has locked my account. XXXX has also locked my account now. Both companies are saying the issue is with the other company yet refuse to work together with me to resolve. This is now falling into extortion- as of today the XXXX support agent said we are not doing anything and you either pay the balance we claim you owe or our collection agency will report you to the credit bureau XXXX XXXX says we never got funds from XXXX so you need to settle this with them and XXXX says we sent funds to your XXXX take it up with them or pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My overage in payments was not applied to the principal. The company is applying overage in payments to interest.

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 2020-09-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is in regards to XXXX XXXX  unlawfully resubmitting a closed account under a new account number in which they themselves closed and reopened. The action I want taken is it completely scrubbed from my credit history the fraudulent information. The account started in XX/XX/XXXX and closed on XX/XX/XXXX by credit records. When it was opened the amount was {$44000.00} and when it closed it was at {$6000.00}. XXXX closed the account as of XX/XX/XXXX XX/XX/XXXXout the remaining balance reporting that I was no longer under obligation for this account. Then they reopened the account under another account number and resubmitted it to all credit bureaus. I reported to the credit bureau a dispute of the fraudulent activity and an investigation has begun. The investigation by XXXX XXXX was XX/XX/XXXX and by XX/XX/XXXX XX/XX/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 2020-09-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is in regards to XXXX XXXX  unlawfully resubmitting a closed account under a new account number in which they themselves closed and reopened. The action I want taken is it completely scrubbed from my credit history the fraudulent information. The account started in XX/XX/XXXX and closed on XXXX of XXXX by credit records. When it was opened the amount was {$44000.00} and when it closed it was at {$6000.00}. XXXX closed the account as of XX/XX/XXXX zeroed out the remaining balance reporting that I was no longer under obligation for this account. Then they reopened the account under another account number and resubmitted it to all credit bureaus. I reported to the credit bureau a dispute of the fraudulent activity and an investigation has begun. The investigation by XXXX XXXX was XX/XX/XXXX and by Equifax XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: OH

Complaint narrative:
I have notified all 3 credit reporting companies that I have filed for XXXX XXXX due to the school I attended was closed on fraud charges. Since they closed all students were given the chance to file for XXXX XXXX. I filed in 2016 and have been waiting on US department of education to make a decision, due to it taking over 4 years there is a class action lawsuit in the supreme court I am actively a member of said class action lawsuit. Manriquez v. DeVos ( No. 3:17-cv-7210-SK ), a case that is currently stayed, pending appeal, in the U.S. District Court for the XXXX District of California. When I applied for XXXX XXXX I checked the box to have my loans be placed in forbearance until a decision by the court was made. As I keep an eye on my credit it is still on my credit reports as collection/late payments. I have uploaded documents from US department of education when I dispute these with credit agencies but am ignored. Nothing should be reported to them as a decision has not been made.

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 2020-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I received a bill from BJ 's for membership renewal on a BJ 's  Mastercard for {$55.00} - I had a membership BUT NEVER asked for a renewal! This happened in XXXX of 2020. I informed them that I did not want a BJ 's card for membership. I asked the representative to cancel the charge and did not want a renewal of a BJ 's membership. I received another bill - I called again in XXXX and asked for the membership to be dropped - I called both BJ 's and Comenity Bank. After multiple calls to both companies, I thought I resolved the issue when a representative said the account was closed - I have talked with numerous representatives - XXXX, XXXX, XXXX, XXXX, and still I am receiving multiple phone calls for collections and past due amounts from Comenity Bank. After trying to call BJ 's for more information I was continually asked for a membership number, which I did not have, consequently I was getting nowhere. Finally, XXXX, mentioned above from XXXX explained to me she had my membership number. I used the number to try to clear this up with BJ 's - I used a three-way call with XXXX, XXXX at BJ 's, and myself and thought we resolved the issue - XXXX said, on XX/XX/XXXX the issued was going to be taken care of. This all occurred on the morning of the XXXX or XXXX. 
I am still receiving multiple phone calls daily to both numbers entered on this form. Additionally, a letter has been written.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Comerica
State: CA

Complaint narrative:
I am contacting you regarding a debt collection which has recently been reported on my credit record. I am requesting that both The XXXX XXXX XXXX ( a collection agency ), and Comerica Bank remove this item from collection and from my credit report and all banking records immediately and permanently. 
I am not responsible for this item, and it stems from a check which was issued in my name by XXXX XXXX in 2017, deposited in my Comerica Bank account, and was returned by XXXX, causing a negative account balance and major financial complications for me, including overdrawn accounts, bounced checks and payments, etc. I paid all associated fees, but after repeated requests, conversations, and consultations with Comericas fraud department, Comerica Bank failed to pursue XXXX and collect the funds. Comerica Bank instead opted to pursue me for an amount which I never received, do not owe, and am not liable to pay. 
I closed my accounts shortly after the incident, which has been three years, but Comerica Bank created a collection amount on my banking records as well, prohibiting me from opening new accounts at any other financial institution. Both this action, as well as Comerica Banks subsequent sale of the unwarranted debt to a third party is fraudulent, and allowing it to go to collection constitutes harassment and extortion. 
I ask that the Consumer Financial Protection Bureau assist me in removing this unsubstantiated debt and collection activity by The XXXX XXXX XXXX or any other agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
Outsource Receivables is reporting an erroneous debt on my credit file that i do not owe. This debt is really old. Not only is it past the statute of limitations but it is also past the credit reporting limit per the FCRA guidelines. I do not owe this dent and it needs to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I am invoking my specified remedy as a federally protected consumer. I am demanding Credit Acceptance remit payment specified on the invoice, an apology, and a permanent deletion from all consumer reporting agencies

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 2020-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: VA

Complaint narrative:
Sometime during the month of May my spouse and I began the purchase of our first new home together. We had a few issues with the level of competence with one individual handling the information gathering of our loan, however, the complaint isn't 100 % about her because we do realize that she may have been overwhelmed or new on the job. Our complaint is regarding the gross unprofessional behavior exhibited by an individual by the name of XXXX XXXX who works for XXXX XXXX. XXXX is a Loan Officer in the mortgage department and his NMLS ID is # XXXX. After communicating back and forth over email regarding the veteran funding fee and a few other fees, my wife called him to gain a better understanding. XXXX was not only unable to clearly explain the fees, but he also made condescending statements about him being an XXXX and the level of his intelligence and ability to explain is superb, etc. After a long conversation and a high level of frustration, my wife and XXXX concluded the call. My wife called our realtor who was able to explain in greater detail. My wife then communicated with XXXX via email to advise that she was able to get the answers from our agent. At the conclusion of the conversation on XX/XX/2020, we were under the understanding that all required items were satisfied and settlement would proceed on Friday, XX/XX/2020. In addition, we received a clear to close letter from XXXX XXXX. To our surprise, XXXX sent an email to all parties involved in the closing with the exception of us ; the homeowners to be, stating that the closing was off and to halt all activities. We found out because we received a panicked call from our realtor. My wife immediately reached out via phone and email and got XXXX 's voicemail. Extremely concerned with having a roof over our head, we escalated our call to management and was eventually able to get our settlement back on the track. We complained to XXXX who said he was XXXX 's supervisor. He stated that XXXX didn't have the authority to cancel and he would follow up and see what happened. Ultimately, XXXX stated that XXXX made a wrong call. This is totally unacceptable and unprofessional behavior in my opinion. It has been weeks since our closing and we have yet to hear from XXXX ( not even on closing day ). As a result of the aforementioned, we would like to file a formal complaint against XXXX XXXX and 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 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX I sent a certified letter requesting that the inaccurate addresses be remove from my credit file as they are not deliverable to me by the U. S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. I also enclosed the proper documents they asked for such as my Drivers License, and Proof of Current Address that were notarized. After checking the tracking number-XXXX the information was received by Experian on XX/XX/2020, I got my credit report on XX/XX/2020 and the address are still reporting as inaccurate information on my credit file. Its been pass the 30 days per the FCRA section 611. Ive called several times to the company and the agents are rude except for the one that left me on hold for 23 mins and never came back. Today I attempted again to call and got an agent name XXXX who was over talking me and told me he knows the information is not inaccurate on MY credit file WOW! I just told him I will have to take further legal action to get this minor inaccuracy resolved.

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 2020-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Good Afternoon, I filed a previous CFPB complaint for this problem where I referred to the financing agreement as a reaffirmation, which is what I thought it was : Ally is calling it an Auto refinance, so I am filing a new complaint using the auto refinance terminology. 

I financed a XXXX XXXX XXXX thru GMAC which was then transferred to Ally bank. The car was titled in Maryland. The VIN number is  XXXX. The car and loan were included in a XXXX chapter XXXX bankruptcy. After filing the bankruptcy, I was contacted by Ally bank and asked if Id like to keep the car. They offered to refinance the loan and make it more affordable for me. I accepted the new loan and paid the new loan in full, every payment on time. The loan has been paid in full for more than 5 years. I have actually purchased a new vehicle since then and also financed it with Ally bank and it has been paid in full. The XXXX is in very poor condition and not running. It needs a transmission, among other problems. It wasnt until I tried to dispose of the car that I realized I did not have the lien release. I have been trying to work with Ally to obtain the lien release for over 6 months. I can not properly dispose of the car without the lien release. I have been told by Ally that they have outstanding fees totaling over {$1000.00} from the first loan that they did not include in the refinance. I have been told that they are not attempting to collect the charges because they were included in the XXXX bankruptcy but that they will not provide me the lien release until the charges are paid. I paid the new loan they gave me for the car in full and would not have accepted the refinance offer if the car was not going to be mine free and clear at the end of the loan. Ally has assigned the following case number to this complaint : XXXX. Additionally, Ally can be reached at XXXX option 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 2020-09-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am trying to refinance my house for lower payment, the refinance company said : there is a CITICARDS CBNA dispute at your XXXX XXXX XXXX report that must be solved before we do the final closing. I called CITICARDS Bank 5 times and they said ; " we don't see any dispute at your account for the last 30 years, we don't know how this dispute issue appeared at your account ''. I have it record it when they said that in my files. they said call universal credit services tell them to remove, I did call them 5 times switching me from one agent to another and all said " you must contact CITICARD to remove it they are the one put at your records. finally called CITICARDS again and the representative said ; I will try to help you to remove we will let you know in 30 days case number  XXXX. 
Please help me to solve this issue and remove it from my account my credit score is XXXX one of the best all my life worked hard to keep it at that number, 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 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I am contacting you regarding a debt collection which has recently been reported on my credit record. I am requesting that both The Best Service Company ( a collection agency ), and XXXX XXXX  remove this item from collection and from my credit report and all banking records immediately and permanently. 
I am not responsible for this item, and it stems from a check which was issued in my name by XXXX XXXX in 2017, deposited in my XXXX XXXX  account, and was returned by XXXX, causing a negative account balance and major financial complications for me, including overdrawn accounts, bounced checks and payments, etc. I paid all associated fees, but after repeated requests, conversations, and consultations with XXXX XXXX department, XXXX XXXX   failed to pursue XXXX and collect the funds. XXXX XXXX  instead opted to pursue me for an amount which I never received, do not owe, and am not liable to pay. 
I closed my accounts shortly after the incident, which has been three years, but XXXX XXXX  created a collection amount on my banking records as well, prohibiting me from opening new accounts at any other financial institution. Both this action, as well as XXXX XXXX   subsequent sale of the unwarranted debt to a third party is fraudulent, and allowing it to go to collection constitutes harassment and extortion. 
I ask that the Consumer Financial Protection Bureau assist me in removing this unsubstantiated debt and collection activity by The Best Service Company or any other agency.

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 2020-09-23 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: GA

Complaint narrative:
I contacted the Wells Fargo Board requesting their help in addressing a Mortgage issue that has spanned nearly 10 years. Once again they provide an incomplete review of the matter from inception. They have also refused to allow other team members to provide input into the matter that would be helpful to their customer<XXXX XXXX, XXXX XXXX, XXXX XXXX and others>. WF 's mishandling of this matter along with its co-conspirator XXXX XXXX has resulted in significant financial loss and credit reporting damage. While the WF board has been changed recently it has yet to imptove its accountability to its customers.

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 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: MA

Complaint narrative:
I went to the hospital. I received a bill for the emergency room and the Doctor. I resubmitted my insurance ( XXXX XXXX XXXX XXXX XXXX ) as I had done the day of my visit. After receiving a bill I asked why they were not sending it to my insurance company as this was a covered expense. I did not hear back for a very long time ( years ). After many forms of communications I was told that the bills would be complimentary forgiven. More time has past until I started to receive many many phone calls at my home, at work, and both of my parents home and phones. There were over 50+ calls a month on the average. I told them that the bill was forgiven, but then they became very rude. I then started to receive statements in the mail which I would respond to right away. I would tell them as I have to you, but the calls and letters have increased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: ERC
State: UT

Complaint narrative:
Enhanced Recovery is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called immediately and paid the debt off. i never received any phone calls, collection notices, or letters and I'm pretty sure that violates my 30 day right to dispute.

Company response to consumer: Closed with explanation