vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
RE : WELLS FARGO PROBLEM : UNWILLING TO HELP/HANG UPS/THEY DO NOT LISTEN ANSWER : HELP ME SPREAD MY ESCROW TO SOMETHING MANAGEABLE The dates are to many times as I have not kept this in order.

But today I called and finally getting through to a rep after I stated the 24 months is not enough help I need a 36 month spread. I was told that they will complete the 24 month spread and submit the request for the 36 month. Before the call was completed the rep HUNG UP?

Then I called back again and got a rep XXXX she just was not listening to what was being asked. She played like she did not know what I was saying? Again I told her I need 36 month spread, soon as I stated that she goes right into saying ok I will complete the 24 moth spread? What the heck people? I never said that. So because she was not trying to listen or help I then escalate the call to a manager. XXXX XXXX was her ID. 
She to again refused to help me and then played like she did not know who the CFPB was when I stated I will be filing the complaint because my Mortgage Company does not want to help me? Why I don't know. So PLEASE can I get help? Do not hang up on me help me with the problem. I am trying to keep up and not fall behind on my payment but I just need help with the escrow spread to 36 months. I never asked for help but I am now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I disputed wellsfargos incorrect negative information and in doing so XXXX allowed them to make a monthly negative mark on my account every month that has and is effecting my credit every month. The account was a charge off on a secured credit card. Secured credit card is why I was disputing thr mark. How can I be charged negatively on a secured card that was secured with my money. This is overwhelming and is causing me great harm.

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 2020-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My wife received unemployment benefits due to the pandemic. She can't read English very well and isn't adept at computers so I had to fill out the forms to make it happen. I added her as a co-owner of my bank account at Ally Bank and so I put this account number into the form to receive the funds from the government.

The problem is that for whatever reason, my request to add her to my account didn't go through at Ally Bank and I did not realize this. I added her to my other bank ( XXXX XXXX ) and they added her as co-owner immediately. However, Ally Bank asked for additional documentation because my spouse is a foreign national. I gave them the additional documentation and assumed that it had been taken care of. 

A few months into her receiving her unemployment benefits, Ally Bank locks my account and tells me to contact them. 

So I call and after waiting on hold for a while, the woman comes back and says in an accusatory voice, " Who is ( wife 's name ) to you? ", I say, " That's my wife. '' She must have thought I was lying because she then says, " Yeah? We're ending our relationship with you. Your account received funds for ( wife 's name ) which is not your name on the account. '' As I try to explain that I thought she had been added as a co-owner of the account, the rep hangs up on me mid-sentence. When I tried to call back, I found that my number was blocked. 

I understand that it may look strange because my wife is a foreign national and has an XXXX name while my name is quite plain. However, I do have a marriage certificate that shows we were married on XX/XX/XXXX in Pennsylvania. 

The incident with Ally Bank happened XXXX, XXXX and it is now XXXX, XXXX and I have not heard anything from Ally Bank. However, they keep sending me paper statements for my account which show that I have {$10000.00} in the 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 non-monetary relief
Consumer complaint received 2020-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: AZ

Complaint narrative:
They call multiple times a week and I have not received any written communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2020 I filed a second dispute with Experian about a collection account ( XXXX XXXX XXXX ) To be verified by providing me an original signed document or for it to be removed as stated on F.C.R.A. section 609 and section 611. Experian has failed to provide me with an original signed document and has not removed the collection 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 2020-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I disputed it this is not my account I would like it to be corrected please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed XXXX incorrect negative information and in doing so experian allowed them to make a monthly negative mark on my account every month that has and is effecting my credit every month. The account was a charge off on a secured credit card. Secured credit card is why I was disputing thr mark. How can I be charged negatively on a secured card that was secured with my money. This is overwhelming and is causing me great harm.

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 2020-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: BCO Consulting Services
State: TX

Complaint narrative:
I was charged and then got a message saying that this is a scam after I paid {$190.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I had an Old Navy Credit card through Synchrony Bank that was charged off in XXXX. I did not receive any information on it until i called in XXXX. Synchrony stated that the entire amount was written off. I continued to monitor my account and noticed that a balance of {$630.00} was past due on XXXX XX/XX/XXXX. I contacted Synchrony and  they stated that the entire amount was past due and they would send me a 1099c. XXXX XX/XX/XXXX i contacted Synchrony to find out the status of my 1099c because i had not received it. They stated they would send it again. Approx. XXXX XX/XX/XXXX i contacted Synchrony again asking for my 1099c. They verified my address and stated they would send it again. XXXX XX/XX/XXXX i contacted them to inform them that i never received my 1099c. I disputed the information on XXXX, XXXX, XXXX XXXX 12 times the last one being XX/XX/XXXX. Each time The information changed from being {$400.00} written off to {$1600.00} written off and {$630.00} past due. I asked to pay anything that was past due and i was told the entire amount was written off and they were no longer collecting on the account. I asked if the entire amount was written off then why is there a balance showing. They said they would send an updated 1099c with the corrected amount that was written off. I sent an email to the CEO of Synchrony XXXX. I was contacted by Customer Relations XXXX XXXX on XXXX XXXX. She stated that only {$400.00} was written off. and that my disputes that i filed with the credit bureaus showed {$1600.00} written off and i would like the correct information to be reflected on my credit reporting accounts. I explained to her that this was incorrect and the balance should be reported as {$0.00}. XXXX agreed. I received a new dispute update today and the incorrect information is still reflected on all 3 credit bureaus

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 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You First Round Dispute Equifax XXXX XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 a {$17000.00} wire transfer was sent by me from my bank, XXXX, to SunTrust bank in XXXX Florida. 
This money was initially reported as not found by SunTrust. After many months, I was sent a check for {$16000.00}. I was missing {$230.00}. 
SunTrust would not respond about this shortfall. XXXX Police contacted SunTrust and were told there was no account. 
I ask for my {$230.00} refund.

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 2020-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
On XX/XX/XXXX, I received a notification from XXXX. The notification was in regards to a account that had been flagged for collections. Instantly, I knew something was incredibly wrong. I then filed a dispute through the XXXX center and waited two weeks for my results. The results then claimed the company showed them proof of a recent account with them. I have no knowledge whatsoever about have a account with Sunrise Credit Service, which is located in New York.! I would most definitely appreciate if this issue is resolved quickly.

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 2020-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Technology Federal Credit Union
State: TX

Complaint narrative:
In XX/XX/2017 a First Tech credit card was opened on my behalf without my authorization. This card has been recognized as an issue on their behalf and stated as a collection on my report when this was not of my doing. This is hurting my score please take this off as soon as possible. I am trying to buy a home for my family during this hard time and this is not making it any easier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M HAVING PROBLEMS GETTING THE CREDIT BUREAUS TO UPDATE AND CORRECT MY CURRENT ADDRESS AND REMOVING ADDRESSES THAT ARE LINKED TO MY IDENTITY THEFT CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian Reported complaints : XXXX XXXX a medical ( XXXX ) issue of {$280.00} on XX/XX/XXXX which proves Experian would allow any compliant from any source. also XXXX XXXX XXXX debt of {$160.00} Secondly, XXXX XXXX XXXX keeps coming up as a credit card but it is not a plastic card XXXX it does not have ( VISA ) emblem on it. XXXX is not a credit card XXXX XXXX  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 non-monetary relief
Consumer complaint received 2020-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Trans world Systems placed a {$54.00} collection account on my credit report. I am requesting debt validation concerning this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M HAVING PROBLEMS GETTING THE CREDIT BUREAUS TO UPDATE AND CORRECT MY CURRENT ADDRESS AND REMOVING ADDRESSES THAT ARE LINKED TO MY IDENTITY THEFT CASE.

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 2020-09-05 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: CA

Complaint narrative:
I'M HAVING PROBLEMS GETTING THE CREDIT BUREAUS TO UPDATE AND CORRECT MY CURRENT ADDRESS AND REMOVING ADDRESSES THAT ARE LINKED TO MY IDENTITY THEFT CASE.

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 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am unable to unfreeze my Equifax credit report, or access my online account. This has prevented me from opening a new cell service account for over a month. 

Equifax.com provides no way to reset a password, or to " chat '' about the issue on line. 
When calling any of the Equifax customer service numbers, a robocalls-voice asks a series of irrelevant security questions, then says " we are unable to connect you at this time ''. THERE IS ABSOLUTELY NO WAY TO REACH A HUMAN BEING AT EQUIFAX " CUSTOMER SERVICE '' TO RESOLVE THESE ISSUES. 

As I had to do a a few years ago, I sent a letter to Equifax requesting they " unfreeze '' my credit report, and also provide a way to reset access my online account. My certified letter with the required documentation was sent XX/XX/20, and ( per USPS tracking ) received by Equifax on XX/XX/20. Yet I have not received a response from Equifax. ( My husband 's request via mail was more successful, although Equifax did not provide info on how he could access his login on line, and he is unable to get through on their " customer service '' telephone. ) This company has control over my rights as a consumer, however, it is completely unresponsive to consumer customer service needs. 

Per consumer complaints with the XXXX XXXX XXXX XXXX, Equifax has a score of 1 our of 5 -- -with 1 being the lowest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
In late XX/XX/XXXX, we were approved via our insurance company to receive {$12000.00} to put towards the replacement of our roof that was damaged during a hurricane. The insurance company issued the check to us but said our mortgage company had to endorse. They said it's a quick process just mail it to them and they'll mail it right back. After the roof was complete and I received the check from the insurance company, mid XX/XX/XXXX I think, I sent the check, the letter from the insurance company verifying this and the receipt to prove the roof had been replaced to XXXX. They advised us that we would only receive 90 % until the roof was complete. I called them to confirm it had been completed a couple months prior. They said they had to send an inspector out to approve the completion before we got the last 10 % owed. The inspector wasn't sent till mid XX/XX/XXXX, he spoke with my husband and said it look perfect we should be getting a check shortly. When the end of XX/XX/XXXX came about and we had not received it, I called XXXX to get an eta. They advised me our mortgage was given over to Flagstar Bank and all the claim information went with it so they were now responsible for paying us this final amount. I called Flagstar and they said the transfer wouldn't hit till XX/XX/XXXX. So I called after that this date and Flagstar said there was no information regarding this claim that it would take longer for all the information regarding our mortgage to arrive. I called a week or so later and spoke to someone in Loss Draft and at first he said he didn't see anything but then said he did see something was pending. He asked me to send him the report outlining the payment approved by the insurance company. I scanned and emailed it. I then got an email stating that the document I send was insufficient. I called to talk again to Loss Draft at Flagstar yesterday and was told they were down so the representative refused to pass me along. This is when I decided to come to you. It's been going on for months, I gave XXXX everything they could possibly need to approve this final amount of {$1200.00} and it was approved by one of their inspectors. I am NOT going to resubmit everything because these institutions can't get their acts together. My roofer is waiting on this money that came from the insurance company not the mortgage company!. Why are the banks refusing to complete the approved amount!! In my opinion, we should have been giving this money prior to the mortgage transfer.

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 2020-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
I am requesting debt validation for two collection account Revenue Group place on my credit report in XX/XX/2020. I am disputing this debt and would like debt validation to prove this debt belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: AZ

Complaint narrative:
Experian lists my Chapter XXXX as open, but it was dismissed as part of Chapter XXXX. Filed for Chapter XXXX in XX/XX/XXXX ( in XXXX  ). In XX/XX/XXXX, Chapter XXXX was discharged after being transferred from XXXX to XXXX.. I have made 4 attempts in the last 6 weeks, to dispute with Experian and they will not change the information. This information is correct on my XXXX and XXXX  reports. I am not sure why Experian can not get the information corrected. I have scanned AND mailed information, still with no result.

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 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX  ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You First Round Dispute XXXX XXXX XXXX XXXX Transunion 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