vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been trying to reopen a business account for almost a year. I even deposited cash in the closed account that was charged off because of automatic withdrawals from IRS, XXXX XXXX. 

The bank refuses to reopen the account or even assist me in collection of monies due to the government. 

Yesterday, XX/XX/2020. I just tried to change the address on the company account because the address it had on the last statement was some personal address of a XXXX who was a signer before but the company isn't even operating anymore. Then they proceeded to ask me all these other addresses which I assume were this signers, which I have no right to know where she lives now or what is doing. 

I tried to change the address at the branch, they told me no business banker was available due to covaid, I called, they couldn't do it on their system for some reason. I dont understand why the business address is not the same as the server of process recorded at the state of California because if any debt collector wants to collect on a judgement for a loan, taxes, unemployment etc, they can levy the account. The account holder deserves notice of the levy. 

The address is important. 

Attached are my statements and the current statement of information that I would like wellsfargo to reflect on my closed business accounts.

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 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
Hi. I want you to know I've never filed a complaint before. I'm really nervous because I don't want to get someone in trouble but I really need your help. 

I'm trying to get approved for a home loan and I am very close but there seems to be 1 thing holding me back. There is a collection on my credit report that is for XXXX. I don't remember owing XXXX any money but its on my credit report. When I found out, my husband called Contract Callers to see if we can just pay it and have it removed from my credit report. Contract Callers is who has the account on the report. 

Contract Callers told my husband no because they don't do pay for deletions as a company policy. I understand if that's their policy but its really hurting me to get this home. What really bothers me however is how they told my husband they don't have my address and they don't have my phone number. They even said they haven't spoken with us before. I don't understand how someone can hurt someone else 's credit without even trying to tell them money is owed. Or at the very least, confirming and making sure they have the right person before they begin causing this person harm. 

I'm desperate. I really need to buy a house and the only way I can get approved is by having this account removed from my credit report. Simply paying it won't do me any good. Can you help me convince Contract Callers to remove this from my report if I pay them? As I stated before, I never knew about this account until a lender pulled my report recently. It's not fair for me to have something hurting my credit when I wasn't even given a chance to pay in the first place.

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 2020-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Have a credit card with Kohls/Capital One and no longer work for Kohls and Ive had nothing but problems trying to get them to work with me on the card I am but I have not been employed with them and I was on an unemployed since XXXX of this year and theyve closed my account charge interest fees late fees all sorts of fees and refused to work with me on my credit report now I cant even rent a place to live because of the damage that Kohls has done for a credit card I cant find a place to live thats pretty sad they wont work with me they wont even offer a settlement my limit is XXXX and theyve done charged me an extra {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Car was paid off in full, they were sent over payment. They kept overpayment on a closed pair in full, had the money since XXXX, its almost XXXX never got contacted about it. Contact them says it no check after I have check number an date they cash it, now they see it an be sent out. Still have not received. Called said it was never processed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bakalar & Associates, P. A.
State: FL

Complaint narrative:
I filed a complaint with CFPB, complaint no. XXXX on XX/XX/20. Bakalar replied with lies, I did not cancel the appointments, the times they gave me were not acceptable, and I have been asking for documents for two years. The Homeowners Association in association with Bakalar, their attorney and debt collector, is in violation of F.S. 720 for failing to provide documents requested. 

The attorney/debt collector is now charging me {$250.00} to respond to the complaint I filed with you. This is OUTRAGEOUS and I believe illegal. 

I want Bakalar investigated for charging unethical/illegal fees to answer the complaint. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I can not link my account on the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a complaint about Experian on XX/XX/XXXX. Telling them that this stuff on my credit report is not mine. It's student loans on there and I never ever been to college. I told the man that sounded like he was having a hard time understanding what I was trying to explain to him to me seemed like he was reading from a piece of paper. I do not have any student loans Experian is giving me arid time about getting this stuff off. I was told to mail a dispute and I did never heard anything back. please get this taken care of. These student loans and the stuff showing from XXXX, XXXX XXXX, XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XX/XX/XXXX I did not apply for a XXXX XXXX or XXXX card Please look at the forms I sent you on XX/XX/XXXX. 

They respond with this. Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. 

How could they determine or think that I was not submitting a complaint against them for reporting things I said are not mine I had no knowledge & is freaking fraud?????? I keep going back & forth & back & forth. I am asking again please delete this stuff from my credit report.

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 2020-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Hello and thank you for reviewing the complaint. After reviewing my credit profile an unfamiliar account from Sunrise credit services was placed on credit profile. Requesting to exercise my rights according to FCRA guidelines, to verify the signature and validate the contract.

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 2020-06-19 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: CA

Complaint narrative:
I need XXXX  credit report UNfrozen for a refinance loan. I can not reach a person via phone & am unsuccessful online. Both methods refernto the other then claim I must send a US postal letter (!? ) They say they can't verify who I am with the info provided ( name, address dob, ssn, I have lived at my current addy for more than 2 yrs. ) I even confirmed my name & addy spelling spelling from letters received from them! I can not reach a person. Every time I call it says they can't verify who I am because my credit report is FROZEN! Duh.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I called and received balance and thought I paid this account in full, I paid the amount stated over the automated system. When I received my next bill there is a fee : {$0.00}. 

I called customer service spoke with XXXX, it was available or just just didn't apply when I inquired and paid off this account. She assured me once I paid the {$0.00} there were no more charges. 

She could have removed the fee its under {$1.00}. 

Wayfair / Comenity is one XXXX  XXXX XXXX XXXX of a company with fees and charges. 

I ASK FOR BALANCE DUE AND WAS GIVEN THE AMOUNT I PAID WHT SHOULD I BE RESPONSIBLE FOR THE NO GOOD SYSTEM

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I sent a letter on XX/XX/XXXX asking XXXX XXXX XXXX who is handling the account for XXXX  " Please can you verify these accounts for me so I can know if they are even legitimately mine? Can you send verification of my original paper work with my signature on the following accounts? '' I received no response. They continue not to respond to my letter. Also, I want the following open accounts removed from my credit report put there by XXXX XXXX XXXX : Synchrony XXXX Synchrony XXXX Synchrony XXXX Synchrony XXXX I am on XXXX as of XX/XX/2019 and my income is also considered " Collection Proof ''.

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 2020-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
This complaint is on behalf of numerous customers who have loans with security finance in XXXX ga. Specifically the branch manager a Ms XXXX XXXX has used threats of legal action, legal charges being pressed against consumers and garnishment as a means of collections. When making collection calls This employee suggests and eludes to the fact that this matter is one of an urgent nature about a business matter in XXXX County and the customer must contact a Ms XXXX before XXXX, leading people to believe this is a legal matter involving police. This manager has forced optional insurances on consumer loans and told customers they are required by the state of ga and they must accept them in order to get the loan. This manager discloses personal details to third parties regarding accounts of customers. She has continually called references and places of employment under the pretense of verifying a past due customers employment and then asking who is in charge of payroll and garnishment and who would she direct such documents to. This type of collections lets a third party know that the employee / customer she is calling about is potentially facing a legal issue or possible garnishment of his or her wages.

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 2020-06-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX representing XXXX XXXX has promised via mail that they would report a XXXX ( {$0.00} ) balance to all credit bureaus concerning my previous XXXX XXXX account. This has not happen as of yet. I was a responsible consumer and have paid my obligation. Yet, I have been dealing with the problem for two ( 3 ) years with a lot of run around and no resolution. Please see supporting documentation as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
This is not my debt. I have not had any dealing with this creditor. 
Natnl Cred {$8200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: OH

Complaint narrative:
This is all new to me I have not lived at the addresses listed on my credit report. I had my ID stolen in XXXX and I was compromised again when I moved to XXXX XXXX. The following addresses are unknown please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX, XXXX, OH XXXX My name and current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I have never had this many numbers in my life please delete them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2020-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Block, Inc.
State: NC

Complaint narrative:
MY CASHAPP ACCOUNT IS COMPLETELY FROZEN AND I CANNOT GET MY MONEY OFF MY ACCOUNT. IT IS $XXXX  AND IT IS THE LAST OF MY MONEY TO FEED MY KID. I NEED TO FEED MY SON PLEASE HELP ME. MY CASHTAG IS $XXXX, MY NAME IS XXXX XXXX, MY EMAIL IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I was in car accident on XX/XX/2020 the offender 's insurance ( XXXX XXXX # XXXX ) deemed my car a total lost. I made sure my insurance company ( XXXX ) as well as my finance company ( Bridgecrest ) know that my car was a total lost. I provided the adjuster ( XXXX XXXX XXXX ) my finance company total lost company phone number ( XXXX ) .I made sure I had gap coverage in place ( XXXX XXXX account number can be found with my old phone # XXXX ) I did have retain an attorney ( XXXX XXXX ( XXXX ). 


My issue is my finance want me to pay {$1300.00} for a car I haven't driven since XXXX. XXXX paid {$9600.00}. XXXX paid {$3700.00} only. When speaking to them they said that they only paid whatever Bridgecrest submitted. That's not the only problems Bridgecrest has been reporting me late to credit bureau every single month since he car has been deemed total lost. I don't understand why this a legal business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
PNC will no longer allow me to long my digital savings account, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Trident Asset Management, L.L.C.
State: NY

Complaint narrative:
I have never had an account with this lender. 
XXXX XXXXXXXX XXXX XXXX MASTERCARD {$770.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I did not have a signed contract or any contract with Enhanced Recovery Company , LLC. I have never done business with this company. I am not responsible for this debt from Enhanced a Recovery Company, LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
They are escrowing an incorrect amount XXXX $ more than they should a month. I have reached out to them 3 times. Sent documents twice. With no response. I have everything documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: SD

Complaint narrative:
I have NEVER had an account with XXXX XXXX XXXX  but they keep reporting on my credit. I have called them and they have confirmed that there is no existing account. They told me to have it removed, dispute with the credit bureaus because their agents don't know how to remove it. The credit bureaus remove it them later, they put it right back with duplicates on my credit.

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 2020-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: NY

Complaint narrative:
I have never had any dealings with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
over the past year i have contacted Suntrust mortgage at least 6 times to get PMI dropped form my mortgage and have NEVER received a reply. i have called, mailed in their forms, faxed in their form, mailed letters to the escrow dept, mailed a letter to XXXX, the secretary of some VP, she has helped me with issues in the past. this XXXX has cost me roughly {$1000.00} in premiums i did NOT need to be paying

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