vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX. I went to a wells fargo branch in XXXX, CO to make a withdrawal on my savings account. 
I came to find out that the bank closed the account, because according to them, it was dormant due to inactivity and the said they transferred the money ( total amount of {$2300.00} ) to the Unclaimed property department of the State of FLORIDA on XX/XX/XXXX. 

This is absurd because they had all my contact information and I never received any documentation that they where going to close the account! and also because it's a savings account ( so is supposed to not have activity ). And I am sure that the account had activity in the past 5 years ( but I have no longer online access to print it out ) That same day the branch rep sent me to XXXX to claim my property. I been looking for it until this day XX/XX/XXXX. My name or my property is not there. I contacted unclaimed property and they said that they can not start a case until my name appears on the website. 

its been over 7 months, I have gone multiple times to wells fargo ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to get them to help and give my money back. They said they transfer the money, but the state of FL says they don't have it. So my money is on " limbo '' and I have to suffer the financial consequences. 

I place complains in the branch, and ask them to give me my money back and the answer is always the same. To go to a website that does not find my name or money. I really need my money, I have done all in my power to get it back. 

I need the bank to be responsable, at this point I feel like they stolen money from me and they have to help me get it back, I can not keep waiting for month to get what is my money. 

Please 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 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$950.00} on the XXXX XXXX account from original creditor XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I closed this account and made an arrangement for the company to pick-up the equipment per their instructions. The company failed to process my return correctly and consequently, because of their error, this account was sent to collections. I never received any correspondence regarding this account and I was not aware that there was a collection until I obtained a copy of my most recent credit report. The false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2020-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTION BUREAU INCORPORATED
State: ID

Complaint narrative:
In XXXX of XXXX, I went to an urgent care clinic ( Primary Health ) After initial check in and observation the clinic urged me to go to an ER at the hospital. Which I did. I later received an attempt to collect a debt on lab work that was never performed. I called the clinic to get copies of the so-called lab work and they said they couldn't release the results to me. Only the billing. The debt collection agency also falsified the dates of when the visit took place. Saying it happened in XXXX of XXXX, which it did not. On top of it all, I never authorized this debt collection agency to obtain my protected health care information. They have my personal information along with specific lab tests I had taken, as well as the symptoms I was experiencing at the time. This is a clear violation of HIPAA. Also, they have given this information to the credit bureaus without my written consent. Collection agencies and credit bureaus are NOT covered entities when it comes to Protected health care information. Not to mention, In the state of Idaho it is past the statue of limitations to continue attempting to collect on this debt. This company is in violation of many laws and I want their practices looked into. I want this removed from my credit report. They are intentionally trying to damage my credit over a XXXX dollar bill that I DO NOT OWE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XXXX, I phone Sam 's Club Mastercard to close my credit card account. At that time, I was not informed that I needed to submit any follow up written letter to close the account. I assumed that the account was closed much like when you lose a credit card. 
Later that year, on the anniversary of my membership, I received a credit card statement with a membership fee of {$100.00}. I assumed that it was in error and ignored subsequent statements because I wasn't renewing the membership. 
In XXXX of XXXX, I received a letter from Synchrony Bank stating that my Sam 's Club Mastercard was in arrears. I contacted XXXX XXXX XXXX to protest and stated that I wasn't going to pay the charge as I didn't want a membership. They stated that I had to have proof that I had called Sam 's Club Mastercard to close the account. This is proof I do not have. 
In XX/XX/XXXX, I wrote XXXX XXXX XXXX asking that they resolve the matter and erase the debt. XX/XX/XXXX, I received a letter from XXXX XXXX XXXX saying that without proof of my closing the account, nothing can be done. 
I am appealing to you for 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 non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MA

Complaint narrative:
I've been continuously employed in federal service since XX/XX/XXXX ( following my graduation in XX/XX/XXXX ). 

About a year after law school I consolidated my loans ( in XXXX ) and they were grouped into subsidized and unsubsidized loans. I've never missed a payment, and always paid the amount due on notices that I've received. I may have had a short deferment period ( though don't totally recall that, but my lender indicates I did ). Approximately 2 years ago I transferred my loans to fed loan servicing since I learned that, once I completed 10 years of public service, they would need to be with this service provider to process my application for forgiveness. In anticipation of this, I had been speaking with them about what payments qualified. I received an accounting about a year and a half ago showing a number of payments that would not be counted ( claiming I paid a penny less, for instance ). I was able to find  documentation showing that I paid what I was told that I owed and a number of these payments were fixed and counted towards forgiveness. 

This spring I believed I had completed my 120 payments ( and then some ). I applied for forgiveness in approximately XX/XX/XXXX. In XX/XX/XXXX I logged on to discovery that, without contacting me, they had forgiven the unsubsidized portion of my loans. I spoke to them immediately and was told that as to my subsidized portion, they were having trouble getting information from my lender for a time period around XXXX and that was why those hadn't yet been forgiven. I was told they would expedite this process. In midXXXX I again spoke with them and was told no one was expediting anything, that it could take up to a year ( but that this was highly unusual ) to process an application for forgiveness. I was given next to no other information or guidance on how I could move along the process. I was told I would receive another accounting explaining the status of this loan and what payments qualified. Several weeks later, I have still received nothing. 

Additionally, the loan that was forgiven was overpaid by approximately {$1700.00} while I was waiting for them to act on my forgiveness application. I was told that money would be sent back to my by the federal government and that it should take at least 30 days. Two months later, after receiving nothing despite repeated promises that the money would be sent to me, I was told that it was applied to my remaining loan balance. That loan is now in overpayment status as a result, which also means I am not getting credit for additional payments ( or for the " payments '' that would have been covered by the {$1700.00} of my own money that was applied to the loan ), though I am well over 120 payments at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
They are continually calling me from spoofed numbers. XXXX. XXXX. XXXX. XXXX. XXXX. All since Sunday XXXX. Today is XXXXI have submitted 2 requests now to consumerfinance.gov.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
It all started on XX/XX/2019, when I provided my XXXX XXXX credit card information to the sales representative XXXX over the phone. He processed my payment and said it was all approved. He did provide me with a copy of my receipt for this transaction. He was supposed to provide me with the quantity of tiles I am being charged for, grout, cement and labor. He said he ordered the flooring. Flooring reached them on XX/XX/19. The sales rep gave me XXXX number who was going to do the installation. XXXX was unable to start the job right away. The job was completed on XX/XX/2019. By that time I had already made my first payment to XXXX XXXX. The tile installer that worked for XXXX did not speak English. He removed all the quarter rounds from my kitchen, dining room, hallway, bathrooms and laundry room. I though XXXX XXXX was going to replace those with new ones when the tiling was complete. When XXXX arrived he said his guy had thrown away all my wooden base boards and that I would have to buy new ones and get them installed. When I had spoken to XXXX he said XXXX XXXX would be replacing all those as part of the tiling. When his guy was doing my tiling he damaged my door frames and also scratched my tub when he placed the toilet in there. The tiling job was not done to our expectations. There were uneven spaces in between the tiles. Some tiles were chipped. In the kitchen the tiling was not done all the way up to the dishwasher. There were some damaged tile in the laundry room. I called XXXX XXXX, opened up a dispute. I spoke to XXXX from XXXX XXXX. She sent an inspector out on XX/XX/19. He took pictures and said he will send it to their customer care department. I have not heard from them since. The entire house flooring has uneven spaces between the tile and cement. I have had three professional contractors come out and take a look at the tiling job and they even said its not even spacing. XXXX  XXXX needs to redo my entire house tiling or I am not paying for it.

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 2020-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Kentucky Higher Education Assistance Authority
State: NY

Complaint narrative:
Former student loan servicer, XXXX sold loan to KHEAA. I received a bill from KHEAA for {$50.00} due in XXXX which I paid and then KHEAA sent me a packet saying that my loan will be subject to treasury offset. I was wrongfully denied by XXXX the chance to rehabilitate my loan which they admitted to in an email. Also, I made timely payments to HESAA until I filed chapter XXXX in XXXX of 2019 and resumed payments in XX/XX/2019. I can not access my loan information and they will no longer service my loan over the phone and KHEAA can not be reached by phone and I also registered on their website and it says I am not permitted to view loan information though registration was successful. I am also disputing the amount of the loan as I do not have verification that payments have been applied to the loan and that the correct information was transmitted to KHEEA. My loan should not be subject to offset, it is current, I make payments and I was denied the chance to remove it from default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a complaint over items that are not mine. I have a fraud alert that I thought would stop people from pulling up accounts for business. I have some unknown inquires that I am really confused as to how this keeps happening!!! Please delete the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX /XXXX XXXX. I demand to see the name address and ID used to apply for these accounts for business.604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general.

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 2020-01-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Alleged account # XXXX The 3 Credit bureaus failed to properly investigate a dispute, so i filed an investigation directly with the collection agency in the form of a sworn testimony ( AFFIDAVIT ) to which they have responded ( attachment ) that they will request that the 3 major credit bureaus delete the tradeline of the referenced account. However, they have concluded that this may take up to 90 days, to which I am disputing needs to be removed  immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
They are continually calling me from spoofed numbers. XXXX. XXXX. XXXX. XXXX. XXXX. All since Sunday XXXX. Today is XXXX have submitted 2 requests now to consumerfinance.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: NC

Complaint narrative:
I am a victim of identity theft

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 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have contacted Experian about removing fraud alert however its still on my credit file its posting as a security alert and fraud alert and I will like for experian to remove off 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 non-monetary relief
Consumer complaint received 2020-01-22 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 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: NC

Complaint narrative:
I am a victim of identity theft

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 2020-01-22 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: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed 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 2020-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
On XX/XX/XXXXBayview Loan Servicing ( BLS ) bought our Mortgage Loan from XXXX XXXX. 
Since XX/XX/XXXX, we have had nothing but headaches with the new XXXX XXXX XXXX. 
We have made ALL ( 100 % ) our monthly payments on time ( {$2600.00} ). 
We do pay our Property Taxes and Property Insurance on our own ... no need for an escrow account. This is exactly the same way we did operate with XXXX and how the terms of the loan were approved by XXXX and ourselves. 
We made several phone calls to Bayview Loan Servicing ( BLS ), left messages and not only that NOBODY did return our phone call messages, worst is that nobody from BLS was able to make a correction to our claims and they keep insisting in that we owe them money..!!? 
A letter from them dated XX/XX/XXXX was recently received telling us of an " intent to accelerate '' and that we're in default. 
A lender like BLS doesn't not deserve to be a part of our community. 
When we tried to make our payments on line, either the website is not working OR they are listing a phone number that offers you many different products to be purchased!! 
Instead of making it easier for the customer to make their payments ... .sometimes we wonder if what they do is trying for customers to either miss their payments on time, so that they can collect outrageous fees..!!

Attached you'll find copies showing : 1 ) Letter Notice of Default 2 ) Letter showing Property Taxes paid up-to-date 3 ) Property Insurance Installment Notice showing we're paid up-to-date

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing a complaint over items that are not mine. I have a fraud alert that I thought would stop people from pulling up accounts for business. I have some unknown inquires that I am really confused as to how this keeps happening!!! Please delete the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX /XXXX XXXX. I demand to see the name address and ID used to apply for these accounts for business.604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general.

Company response to consumer: Closed with non-monetary relief