vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
When I lost my job in XXXX they offered me a payment arrangement but I would have to close my account and the minimum payment would be {$25.00} for 12 months with a lower interest rate. I set up auto pay with a bank account but I had a fraud issue so I closed the bank. I CHANGED THE ACCOUNT INFO. I opened a Wells Fargo bank account so the auto pay would come out directly. I explained to the XXXX XXXX XXXX  On XXXX location and they reassured me it would all be set up. The bank did not set it up and I pay the {$25.00} AS AGREED and every month it is higher saying Im behind now putting it on my credit saying past due over 90 days! I have called and cant speak to this department because I now work Im an essential worker and the hours i get off they are closed. I called early XXXX AND XXXX and got transferred 5 times put on hold and disconnected. They sent letter finally but no resolution past XX/XX/XXXX. My credit is still messed up. Plus they put on my credit that grantor closed the account. I agreed to close the account I said I want to close it and go on this payment arrangement they make it look like Im not paying and they closed my account. Im going to close my bank account now. Im furious They make mistakes. Im lied too. The bank associate opened my bank account and says my certified checks are free. The first one I do they charge {$15.00}. The rep calls me he made a mistake about my address in my profile and my account will be closed if not fixed. I tell him the issue and he never corrects it. The credit card company and the bank both constantly make mistakes and dont fix them.

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 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NE

Complaint narrative:
The morning of XX/XX/2020 I attempted to pay the XXXX balance ( {$830.00} ) on my Apple Card serviced by Goldman Sachs. I attempted to make a payment via my XXXX 's built in XXXX XXXX and was presented an error. After attempting a few more times and still receiving the same error I contact their support via XXXX. I was instructed to try again in a few hours as they have been having issues processing payments. 

A few hours later I attempt to make a payment again ( {$830.00} ) and it went through with out error. When reviewing that the payment was successful two payments showed within the XXXX XXXX XXXX both posting at XXXX CST ). I again contacted customer support to inform them of my new issue and was informed that the payment would be canceled ( not processed ). 

The following day I inspect my XXXX XXXX again and see a third payment on my account for {$300.00} posting a XXXX CST. I again contact support and was told the payment was canceled. 

Later in the week when checking my bank records I saw all three of these payments debited from my account and saw that the second & third payments where later refunded. After verifying in the Wallet App I am seeing " Balance Adjustments '' for the amounts of the refunded money increasing the balance on my line of credit. After digging through my record it appears as if the system initiated overpayments where applied to an installment plan I had for my XXXX but when refunded the moved from interest free financing to my line of credit and are now accruing interest. 

After many conversations via chat & phone being told my issue would resolved on their end and notified when done, I will be getting a call back to discuss options, I would be receiving a {$50.00} balance credit for my troubles, to me needing to go into he XXXX store and have them return and resell me my phone. 

I finally got contacted by a manager that informed me that all they could offer was. a {$50.00} credit and by accepting it I would be ok with the resolution. I was earlier offered the credit as compensation for the issue as a sign of good will but it had turned into an absolution of guilt and still leaves me with a balance accruing interest unrightfully. I declined to accept the offer and insisted on being made whole again with my account reverting to pre-multi-payment system issues to which I was told they saw this as my issue as I made multiple payments ( even though they acknowledged the system issue prior and after multiple times ) and that I may not receive a better offer. I was told that it would be forwarded on and that I may be receiving a response or maybe not so I turned to you to fill a complaint. 

Attached is the email acknowledging the issue, the chat conversations I had, my statement before / after the issue showing the removal of my installment item.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: MN

Complaint narrative:
ON XX/XX/2020, I CONTACTED XXXX XXXX XXXX ( NCA ) TO SETTLE THIS NEARLY XXXX XXXX XXXX ACCOUNT. ( AN NCA AGENT HAD PREVIOUSLY CALLED ME WITH A SETTLEMENT OFFER WHILE I WAS DRIVING SO I WAS UNABLE TO WRITE DOWN THE DETAILS. ) I CALLED NCA ON XX/XX/XXXX AND ACCORDING TO THE AGENT, SETTLED THE BALANCE OF {$370.00} FOR {$200.00}. THE AGENT STATED THAT SHE WOULD MAIL ME A PAID IN FULL LETTER BUT WAS UNABLE TO EMAIL THE SAME. 

ON THIS DATE, MY XXXX  CREDIT REPORT SHOWS THAT NCA UPDATED MY ACCOUNT ON XXXX XXXX TO REFLECT ( 1 ) A PAYMENT OF {$200.00} AND ( 2 ) AN OUTSTANDING BALANCE OF {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been working with XXXX and he completely ignored what best for me when it comes to paying my mortgage. please help he has taken advantage of 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 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I have already made a complaint with the company Caine & Weiner each time they take it off my credit report then put it back on with a new date trying to pass this collection off as new debt on my credit report I do not owe money to this company nor have I ever signed any contract with them. This is not my debt nor do I owe money to the company they say I do. Please have this removed from my credit report and please make sure they dont add it back like hey have been doing every time I make a report. They are reporting false allegations towards me with wrong dates and amounts to a company I do not owe money to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Good morning. I want us to help me fix a problem with my banking. I got scam and I report that to my bank I deal with, but it seems like XXXX report me for something I did not commit. I am innocent, and any bank do not want to deal with me because of that. So I need help to fix that please. Thank you, I really need help.

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 2020-05-21 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: CT

Complaint narrative:
I have written and called to Equifax many times over the last 2 years with only 1 response. I recieved a response stating the way that they accept disputes which is the same email address they responded from. My issue has to do with their scoring process not a creditor, but Equifax themselves, they've no category for issues directly related to them. While reviewing my credit report I noticed a vast difference ( 30+ points ) between XXXX  and Equifax after a line by line comparison I noticed disputes I'd filed and won were not reflected in the score which a successful dispute is supposed to yield upwards of 25 points. inquiries that were done on the same day while car shopping, were not counted as a single inquiry but as 25 individual inquiries from 2 dealerships on the same day. An XXXX point score drop for no apparent reason when showing positive activity was occurring in the same update. Score increase notifications of 1 point but the 1 point is never reflected in the scoring example beging score XXXX, score after increase XXXX. Next reporting stated on time payments but in the same reporting a XXXX point decrease to XXXX but says " No Change ''. That's just a sampling of anomalous activity. Disputes won but not removed. Duplicate creditors. My Equifax score is XXXX points lower than XXXX  score with less information showing disputes on time payments and all what is supposed to be there. My most recent submission to Equifax was on XX/XX/19 no response. Again their dispute system is geared for complaints about creditors but not they themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I scheduled a transfer from my PNC savings account to a new XXXX account of {$1000.00} on XXXX Now, 4 business days later, the money is gone from PNC, but still not showing in my XXXX account. XXXX was contacted initially and said, " We apologize, but we can't verify deposits from outside sources, you'll need to contact PNC ''. PNC provides no explanation for where the money is, or why they could make two XXXX cent trial deposits literally over night, but {$1000.00} is lost and unaccounted for with no explanation for 4 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT ALL REQUIRED INFORMATION TO THE BUREAUS AND REQUESTED THAT THE FRAUDULENT ITEMS BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX ( {$12000.00} XXXX XXXX XXXX XXXX XXXX ( {$1900.00} ) XXXX XXXX XXXX XXXX XXXX {$5200.00} ) I AM VICTIM, I HAVE NEVER AUTHORIZED OR REQUESTED THESE ACCOUNTS TO BE OPENED. THESE ARE NOT 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 2020-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
XXXX XXXX I received a letter regarding a forbearance plan but I noticed it stated that " As a result of not making of not making any payments during the term of the Forbearance Plan, you will become delinquent on your mortgage and your credit score may be impacted. '' When I attempted to make my XXXX payment the online was blocked due to a forbearance being placed on my account. 

I called XX/XX/2020 to inquire about the plan once the forbearance was over and the impact on my credit score and I was told my an agent with Freedom Mortgage Corp # XXXX that my credit score would not be impacted due to it being a " national disaster and pandemic ''. I then inquired about the repayment of the missed payments and she explained the different options but then explained she could not tell me the eligibility criteria and I would need to call in the middle of XXXX to inquire about which one I was able to take advantage. She told me I could speak with loss mitigation but she came back and they declined to speak with me. I asked her how I would be able to make an informed decision without information? She had no answers and loss mitigation declined to speak to me because she stated " they have the same information I have ''. I should not feel blind sighted by this mortgage company ; I should be given the options for repayment and and criteria to determine if this program is a good fit for 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 2020-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC FRAUD - I contacted HSBC around XX/XX/2020 and INQUIRED about a mortgage forbearance but mentioned I did not need it at this time. I received a confirmation letter in the mail on XX/XX/2020 and did NOT sign it and emailed it to HSBC and let them know I did not need it. However, I found out around XX/XX/2020 that I was put on the forbearance without my knowledge. I have since called and emailed and have not received any information or response back. This was without my knowledge and HSBC should be reprimanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have never received any documentation from LVNV funding, and now during a pandemic I am getting my wages garnished by them, yet I have never ever ever been served with legal paperwork. I do not even know who LVNV funding is. This is the most awful thing to ever happen to me and it's happening during a pandemic! Please Help me! Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: NC

Complaint narrative:
I took out a loan due to emergency funding need in XX/XX/2019 for {$300.00}. I understand that I was to pay it back biweekly on my payday for {$52.00} each payday. I checked my balance today and was shocked to see that my current balance is {$280.00}. With about at least 9 payments so far, it has done very little to pay down the balance which means payment has been going towards the finance charge. I have paid over {$500.00} since taking out the loan which should have already paid for the loan plus interest. I believe this to be predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT ALL REQUIRED INFORMATION TO THE BUREAUS AND REQUESTED THAT THE FRAUDULENT ITEMS BE REMOVED FROM MY CREDIT REPORT. 


XXXX XXXX XXXX XXXX XXXX- XXXX ( {$350.00} ) XXXX  XXXX XXXX XXXX ( {$5200.00} ) I AM VICTIM, I HAVE NEVER AUTHORIZED OR REQUESTED THESE ACCOUNTS TO BE OPENED. THESE ARE NOT 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 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Butler and Associates, PA
State: KS

Complaint narrative:
I called on XX/XX/2020. I gave them my birthday last 4 of my social and address. they said this was still not enough to pull up my information. Refused to tell me what I owe. Esculated to a supervisor and was told I was the one being rude. Was told they were a law firm and this is the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT ALL REQUIRED INFORMATION TO THE BUREAUS AND REQUESTED THAT THE FRAUDULENT ITEMS BE REMOVED FROM MY CREDIT REPORT. 


XXXX XXXX XXXX XXXX XXXX- XXXX ( {$350.00} ) XXXX XXXX XXXX- XXXX  ( {$5200.00} ) I AM VICTIM, I HAVE NEVER AUTHORIZED OR REQUESTED THESE ACCOUNTS TO BE OPENED. THESE ARE NOT MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Credence Funding Corporation
State: MI

Complaint narrative:
I refinanced my mortgage through Credence Funding Corporation of XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. We closed on XXXX. The first payment was due on XX/XX/XXXX. I was XXXX   in XXXX and sent my payment to Credence Funding on  XX/XX/XXXX they cashed my check for {$820.00}. I then received a notice that my mortgage had been sold to XXXX XXXX XXXX  XXXX XXXX, IN XXXX. The funds from my first payment has never been transferred from Credence Funding to XXXX XXXX. This has resulted in account being late every month. I have a copy of the cashed check by credence. I am hoping someone can assist me in getting this straightened out. Thanks in advance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
Commonwealth Financial showed up on my credit report as a delinquent debt owed. Called the company and the only way they can look up the information is with either your account number or SSN. Since you don't own the account there is no way to know this so you are forced to give them your SSN. They hung up twice on me and said they will file a dispute claim but this should have never happened in the first place because the debt is not mine! I spoke with XXXX XXXX at Commonwealth Financial and he informed me the debt was from XXXX XXXX hospital in MI ... I have never been there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Using the official https : XXXX, I have now TWO YEARS running, been able to download my credit report from XXXX  and XXXX, but Experian 's website is defective and repeatedly gives the un-helpful " A condition exists that prevents Experian from being able to accept your request at this time ... .blah ... blah '' and says contact them by US Mail instead . Not happening. 

Please force Experian to fix this defect for all US Consumers.  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 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was reviewing my credit file and saw Portfolio recovery had a collection on my account for {$590.00} or so. I reached out to see what the charge was and if I could dispute/resolve if needed. The company stated they have no record of any account in their office for me. I then requested for it to be removed from my credit file.

Company response to consumer: Closed with explanation