vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
My complaint is against Wayfair Resource Group, a collection agency, acting on behalf of XXXX XXXX. My first complaint is that I was never made aware that this debt was sent to a collection agency or my options to resolve the debt. I only learned that is was on my credit report when trying to refinance my home. 

My primary complaint against Wayfair is that on my initial call with them ( on XX/XX/19 ), they assured me that the incident would be removed from my credit report if I paid the amount ( {$280.00} ) in full. This turned out not to be the case. I paid the the full amount, over the phone with Wayfair, on that initial call on XX/XX/19. When I spoke to my mortgage company on XX/XX/19, they told me the incident was not deleted from my credit report, just noted as paid, and therefore my credit score would not go up as a result.XXXX  I called Wayfair on XX/XX/19 and again on XX/XX/19 ( I spoke to XXXX XXXX the second time ). They both told me that Wayfair policy is to not delete the incident, but just to show it's been paid. I told them I felt they misrepresented what actions they would take in an effort to collect the debt from me. I asked that a supervisor call me. 

On XX/XX/19, I spoke to XXXX XXXX of Wayfair. His direct number is XXXX. He stated that he listened to the first recorded call and disagrees that I was promised that the incident would be deleted from my credit report if paid in full. I asked him why the incident could not be removed. He stated that it is because of " part of XXXX 's contract with XXXX XXXX '' and that to remove the incident would be breaking the contract with XXXX XXXX. I relayed to XXXX XXXX that I believed I was coerced into paying the debt based on false representation and would be filing a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: OH

Complaint narrative:
I have a fraudulent inquiry on my report from XXXX XXXX. Each bureau was sent a deletion letter on XX/XX/XXXX from XXXX, who had already identified it as fraudulent. 

To this date, the inquiry remains on my report and it is affecting my ability to refinance my house. 

I have tried disputing the information with XXXX but they don't have a mechanism to do this online or over the phone, and won't provide any information. 

My XXXX online account has been compromised - despite having a secure password, the email address was somehow changed on my account without my knowledge, and any username/password requests go to a different email and there is no mechanism to disable the account or create a new one. And there is no way to talk to a customer service human on the phone. 

Equifax does not allow you to upload any supporting documentation for an inquiry, so they immediately close a dispute without any resolution despite receiving a deletion letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a fraudulent inquiry on my report from XXXX XXXX. Each bureau was sent a deletion letter on XX/XX/XXXX from XXXX, who had already identified it as fraudulent. 

To this date, the inquiry remains on my report and it is affecting my ability to refinance my house. 

I have tried disputing the information with XXXX but they don't have a mechanism to do this online or over the phone, and won't provide any information. 

My Experian online account has been compromised - despite having a secure password, the email address was somehow changed on my account without my knowledge, and any username/password requests go to a different email and there is no mechanism to disable the account or create a new one. And there is no way to talk to a customer service human on the phone. 

XXXX  does not allow you to upload any supporting documentation for an inquiry, so they immediately close a dispute without any resolution despite receiving a deletion letter.

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 2019-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: TN

Complaint narrative:
Rise charges a customary fee. According to my contract that fee is calculated at XXXX per day. I am being charged over {$120.00} biweekly for the customary fee. As of today i have paid {$1100.00} towards this loan and only {$180.00} has been applied to the principle. When i call customer service i get no intelligent response only that because i live in Tennessee and Tennessee has laxed loan shark laws Rise is allowed to charge me as they please. My contract also states the interest and commissary Fee are an equivalent of XXXX but i am being charged that as additional interest each statement. As of today i have paid over {$750.00} for this customary fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: VA

Complaint narrative:
On XXXX XXXX my Equifax score decreases by XXXX. It says I have no credit history and my XXXX XXXX XXXX XXXX card closes recently this week, which it did not. I tried to dispute a claim with them online. It sent me to call them. I called and they put me on hold and I had to call back. They than told me to pay for a credit report and that I cant dispute online. Only by fax or mail. The thing is my proof is online in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Though there was a $ XXXX/yr membership fee for the Barclays XXXX XXXX credit card, Barclays promised a one-time XXXX bonus miles if you spend {$2000.00} on the card within 90 days of having the card. 

I spent {$2000.00} within 90 days of account approval ( " XX/XX/2019 to XX/XX/2019 '' ), but I didn't get the bonus miles. When I enquired, Barclays said their account opening date was when you submitted the application form, " XX/XX/XXXX '', not the date when you were approved to use the credit card account, " XX/XX/XXXX. If the date to be considered is less than XX/XX/XXXX, I would be a few dollars short for qualifying for the XXXX bonus miles. 

For consideration, I reported to Barclays that I was unable to use the credit card for about 30 days of the 90 days period because the chip on the Barclay 's credit card stopped working in XXXX. As I was traveling, I did not received the replacement card till a month later ( end of XXXX ). The faulty credit card was refused by the various merchants because it was a " chip card '' ; the merchants refused to manually enter the credit card details. I ended up using a XXXX credit card during this time period. Barclays rejected the request to extend the date count for usage handicap period. 

I then tried to cancel the card and get a partial refund of the membership fee ; especially since Barclays was quibbling on the dates in order not to grant the bonus miles. Barclays refused to refund the membership fee. 

Would you be able to help me investigate their account policy in relation to these bonus miles? Barclays should not count dates when you're unable to use their credit card. If Barclays does not honor their advertised bonus miles, clients should be able to cancel the Barclays card and get back the membership fee.

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 2019-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I recieved a transfer of funds from someone for purchase of computer and the funds were fraudulent they froze my account and stated that freeze would be removed when investigation was complete so I was later told needed to close account and open another because funds had been released and now someone different was trying to withdraw funds so money was mine and could get it and deposit it in new acct. went ti bank where branch manager phoned fraud department who stated same thing that funds were mine and 8 could withdraw them and deposit some in new account, which I did and a few days later was told that funds were returned to person claiming that he dud not make deposit and now they claim I am responsible for those funds I don't belive I am responsible for any funds due to fact manager was told same thing that funds were mine to do with as I pleased and that someone not me was trying to withdraw funds and with proper ID could release funds to me and open new acct. with those funds or withdraw them. I was cotacted by the bank I am not at fault for this money it wasrekeased with authorizatuon of bank itself. I had a branch manager whom contacted fraud dept. and was told ok to release funds, due to fact we were both told that funds were mine I was sure it was safe to take money, I would have never taken it and the fraud was perpatrated futher through the mail have documents to prove that the same person tried to continue to defraud me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: Nevada Credico, Inc.
State: NV

Complaint narrative:
On XX/XX/2019 I sent a validation of debt letter to Quantum Collections because I noticed an erroneous reporting from them. I received a response back from the company, that stated I owed the debt and that it was validated. I received a print out of charges and also a contract that I DID NOT fill out and my social security number is CLEARLY missing from this alleged application that I completed. 

In response to the companies erroneous report, I sent an additional letter On XX/XX/2019, letting them know that I have never heard of their company, done business with their company and advised them that I was certain that they did NOT own an athletic club. I asked them when did they started running an athletic club and ask them to provide me the dates and times or video footage of m XXXX working out. 

Furthermore, on this alleged contract, it DOES NOT state in any capacity that I agreed to pay any interest on any debt owed.

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 2019-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
XX/XX/2010 my grandmother, XXXX XXXX passed away. I was told that all grandchildren are on her inheritance trust. After she passed away the trustee told me I was not on the trust. I requested the trust document several times. No one has produced the trust document or any information concerning the trust. I contacted the trustees bank and was given the run around as well as contradicting information. The trustee, XXXX XXXX XXXX would of had to forge my signature to reopen or distribute the money goods. I never was notified or signed any papers concerning the trust. I found out that XXXX passed by noticing antique furniture in a siblings townhouse. I was left out of a trust approxite value of XX/XX/2010, XXXX XXXX plus investments. Could you investigate the trustees bank and trust account? 5th and 3rd Bank is the trustees personal bank and possible active trust account. The beneficiaries and trustee refuse to answer any of my questions or request. Please help with this issue. I looking for an attorney, but have to reach out to attorneys in Illinois and it's hard to do this with confidence. My contact number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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:
There is an account listed XXXX XXXX for XXXX XXXX {$1100.00}, original balance XXXX This account was settled and closed, nothing is owed. Please remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 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: NJ

Complaint narrative:
I have never visited hospital in that period. that's why I am asking about re-investigation these account and remove that from credit report. I do not account number but I uploaded page from credit report where you can see accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
I received a letter which posted a charge of {$1400.00} levied by the collection agency National Enterprise System ( NES ). The date on the letter reads XX/XX/2019. When I called NES, the different representatives that I was transferred to refused to give me an explanation of the debt. They did not want to tell me what services or merchandises that I purchased that cost this dollar amount. They asked me to give them the account number written on the letter which I did. But instead of telling me why I owe this debt, they keenly insisted on me giving them my personal information, although I repeatedly verified the account number and my address.

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 2019-09-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Creditor : XXXX Collection Agency : Convergent Outsourcing In XXXX I had an account with XXXX. I moved outside of their coverage area. Per my agreement, Early Termination Fees were supposed to have been waived. 

To my surprise, a XXXX bill was turned over to a collection agency ( Convergent Outsourcing ) who claimed the fees were not waived, they could not waive the fees that should have been previously dismissed by XXXX. This left me with an unpaid balance of {$850.00} as of XX/XX/XXXX. 

This already illegal debt should be 5 years old at this point. To make matters worse, the same creditor re-aged this debt as a XXXX debt, making this look more recent. This has dramatically lowered my credit score and is causing financial hardship. 

I attempted to dispute this several times in early XXXX, through XXXX. All disputes were denied, and again making this look like recent negative activity. Please help. 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 2019-09-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
I filed a claim with Direct Express, card I receive my Social Security benefits on. I filed a claim on XX/XX/2019, for unauthorized purchases made on my card by my x boyfriend, and then I filed another claim on XX/XX/2019 for more unauthorized transactions, that my x roommate made without my permission, all totaling to the amount of XXXX I reported to the investigator that my x boyfriend stold my card, and my money, I gave them his name, and completed all the paperwork required. Direct Express combined both claims into XXXX claim number XXXX. Direct Express did there investigation, and DENIED MY CLAIM. How can they DENY my claim? I did not authorize these transactions. The investigator also denied my request for a formal hearing regarding this case. I talk to Direct Express and they could not tell me who investigated my claim there was no name on the paperwork. They just kept saying was that I was denied because there was BALANCE CHECKS on my card during the time it was stolen. I checked my statement and I can not find any BALANCE INQUIRIES, and why would this matter anyway? They said my claim was settled back in XX/XX/2019, but I received no notification that my claim was not going to be paid to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MA

Complaint narrative:
Using cash app I cant login in my old account I had a large amount of funds on there they dont have a number to contact them and I keep getting the run around over emails

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: NY

Complaint narrative:
I received a letter from Credit Control LLC for a debt and account with center point issued by XXXX XXXX XXXX XXXX dba XXXX XXXX ( had received something from XXXX XXXX for same false item a month ago! ). 

This account is not mine and I have idea what this is. I was a victim of identity theft back in XX/XX/2014 but I am unsure if this account is from that issue. I want them at Credit Control LLC to close this right away please. I have sent Credit Control LLC a letter to close this as well which I have attached. Thank you for the help and assistance on this frustrating manner.

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 2019-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Went to court on XX/XX/2019. Because of being sued, by Midland funding LLC. This company brought an old account from XXXX XXXX. {$2800.00}. Will be returning to court on XX/XX/2019. Midland funding LLC seeking a judgment me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I received a letter from XXXX XXXX XXXX for a debt and account with XXXX XXXX issued by XXXX XXXX XXXX XXXX dba XXXX XXXX ( had received something from XXXX XXXX for same false item a month ago! ). 

This account is not mine and I have idea what this is. I was a victim of identity theft back in 2014 but I am unsure if this account is from that issue. I want them at XXXX XXXX XXXX to close this right away please. I have sent XXXX XXXX XXXX a letter to close this as well which I have attached. Thank you for the help and assistance on this frustrating manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
When I finished school in 2016 I was already behind 1 year in payments and I should have been in forbearance until I graduated. I called them in 2016 to tell them I just graduated. I had called every six months to stay in forbearance because I could not make a payment. I am current on my payments but still shows I am 13 different months late and the status is affecting my credit. I wish I would have never went to college because the loan repayment is affecting me to get a loan for anything and just makes the whole experience terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I do not understand how my mortgage payoff is {$100000.00} more than the original loan amount

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is an account listed XXXX XXXX for XXXX XXXX {$1100.00}, original balance XXXX This account was settled and closed, nothing is owed. Please remove

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 2019-09-03 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: TX

Complaint narrative:
There is an account listed XXXX XXXX for XXXX XXXX {$1100.00}, original balance XXXX This account was settled and closed, nothing is owed. Please remove

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