vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have reached out to Ally Financial regarding my car loan. I called on XX/XX/XXXX and requested a re-write to lower my monthly payments to $ XXXX {$300.00}, due to unexpected expenses. I have spoke to a representative and was given a case # XXXX for the re-write. I was advised to allow 1-2 business days for a call back for this rewrite. I have spoke to representatives in rewrite by the name of XXXX and she advised me that I only made 6 payments since I had my car loan. I have had my contract car loan with Ally Financial since XX/XX/XXXX. I have made way over 6 payments on my car loan and was also given extension due to natural disasters.

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 2019-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX, this FRAUD named XXXX or XXXX XXXX sold an XXXX XXXX XXXX at {$400.00}. I have never dealt with this fraud and I have never used XXXX XXXX before. 

1XX/XX/19 I messaged her asking when she sent the phone. She attempted to extort me for an additional {$50.00} to ship the phone that I immediately shot down. At that moment, this was a SCAM!!! 

XXXX I tried contacting her on XXXX. She didnt respond. The number provided all went to voicemail. Later at XXXX, she blocked my account! 

ALL WEEK, XXXX to today when I yelled at a PayPal rep to work on this matter, I have called over and over to demand that PayPal overturn this transaction. They have refused. All calls goes out to overseas in the XXXX. They sound like clueless robots and are uncooperative! PayPal has been reported in two places this week! 

My bank XXXX XXXX has also let me down. They are at least trying to work with me, but to little results. But latest anger goes towards XXXX XXXX XXXX On PayPal , that payment of {$400.00} is sent to XXXX XXXX XXXX XXXX has responded only by electronic responses, not human responses and told me they can not help me. Thats NONSENSE!!! They are shirking responsibility for this SCAM! They have on record what happened. They dont wan na put in the work to refund me of the money sent to that Scam artist fraud!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WAFD BANK
State: WA

Complaint narrative:
I grew up in the banking world with both of my parents working for the bank for years. I feel as I know the ins and out of simple banking. I went in today to the washington federal bank in XXXX Wa. I had the worst experience of my life. Not only are they doing a remodel which the bank is working in tighter rooms making it so others can be closer by. 
I'm embarrassed for the way I was treated today. I went in for what I thought would be a simple deposit that turned out as the worst deposit ever. 
It's more about the lack of customer service then the bank. I had to deal with two tellers from XXXX who are the rudest people ever. 
XXXX and XXXX from the XXXX location have the worst customer service. 
XXXX who was helping me out was called to help another customer. My simple deposit wasnt going to take hours but she left me to attend to another customer. 
When XXXX came by she asked s rudely what I wanted when I asked her to not speak to me in that tone she simply rolled her eyes and left. 
What happened to the simple customer service with the " how may I help you today? '' " What can I do for you today? '' I could go on. " What do you want? " that's insane. I'm very grateful for surveillance cameras to see how both of them were. After being a customer since I was young I'm happy to switch. I will never refer anyone to this branch or bank. 
Hopefully they get some training soon!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Portfolio Recovery, I never received anything of a debt validation by mail. You reported this debt to the credit bureaus anyways damaging my credit. I request you send this debt back to the original creditor and immediate deletion of all reporting to the credit bureaus immediately. FCRA has strict guidelines on how a debt is supposed to be properly served and then reported on a consumer. This procedure has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: CA

Complaint narrative:
Hello Dear CFPB Please assist me to block FRAUD IDENTITY THEFT XXXX XXXX XXXX XXXX I send to Experian special services Valid FTC identity theft report but they refused to block by telling me i had material benefits or other bogus reason. I spoke many supervisor and representatives and could not get this account blocked. I spoke with XXXX supervisor legion special service department. 

My Experian c Report Number : 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 2019-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AE

Complaint narrative:
Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX, MN XXXX They have no email. This debt says it is from XXXX XXXX which was the last phone carrier I had when I lived in the USA ( Hawaii ) ... but I have not lived in USA since XX/XX/XXXX. I called XXXX to cut off my service when I moved to XXXX ( XX/XX/XXXX ) but apparently they did not close out the account as they should have. I did not find out about the error until I had a work trip back to USA in XXXX. I have not been in the USA even for a holiday since that trip in XXXX. I have plenty of documentation that can prove my move to XXXX. Hawaii has a 6 year statute of limitations on debt so that has expired, but Jefferson Capital seems to show a date of XXXX. And I still live overseas ( XXXX now, still with military ) so it makes this difficult to dispute. 

This debt has not been validated to me in any way. Given my moves, it is probably related to problems with mail ... but this is ridiculous. XXXX can't charge someone out of the country that can't even know they are charging. I called to cancel. My cellphone wasn't even on once I flew to XXXX ( different SIM system ). And Capital can't use a date from 3 years AFTER I moved outside the USA. I've disputed the debt but not answer from anyone. Jefferson Capital has never sent me any paperwork validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
" New Issue '' GLA stated they verified this debt using E-Oscar. The law requires all relevant information meaning documentation be sent directly to the credit bureaus. How did you verify this debt using E-Oscar to the credit bureaus, did you not use a 2 or 3 numeric code to verify and if so I will be seeking a violation under section 623 ( a ) ( 8 )? I never received any notice of my right to dispute nor any correspondence to my mailing address of a debt validation letter on this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2019 I filed a paper dispute with Experian on invalid, unknown medical accounts with XX/XX/XXXXXXXXXX/XX/XXXX XXXX # XXXX and # XXXX. Experian erroneously verified the invalid medical accounts and so on XX/XX/2019 I followed up with XXXX XXXX XXXX XXXX with a request for validation on these invalid, unknown medical debts, per Experian 's instructions. XXXX XXXX XXXX XXXX failed to validate these erroneous accounts. 

XX/XX/2019 I re-disputed the unknown medical accounts with Experian, with a copy of my validation request and proof of XXXX XXXX XXXX XXXX receipt of my request. 

On XX/XX/2019, Experian followed up with me refusing to properly investigate, they also appeared to change one of the  account numbers associated with the invalid medical accounts, both blatant violations of FCRA and FACTA. 

Furthermore, Experian has been the only credit reporting agency to refuse to delete these unknown medical 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 non-monetary relief
Consumer complaint received 2019-11-09 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: MN

Complaint narrative:
I tried to call Experian and there is no way to speak with a human being, just an automated system that hangs up on you afterwards. This is unacceptable. I sent letters and and there no resolution to my issues. I am a victim of ID theft and there seems to be a bunch of credit inquiries that are unauthorized that appear on my file. They are having adverse effect on my credit, however Experian is stating they won't remove it and that I have to contact the inquirer, I spoke with those inquiries and they told me I need to start the dispute with Experian. 

XXXX XXXX date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX EXPERIAN XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX. 
Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX   XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX, XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/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 non-monetary relief
Consumer complaint received 2019-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
bank of america comitted fraud in establishing a mortgage on my home. They have steadfastly refused to answer my questions. Their responses do not address the specifics of my questions or my complaint.

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 2019-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MIDFIRST BANK
State: OK

Complaint narrative:
I opened a new checking account with Midfirst bank during an ongoing promotion with bonus for new checking account after completing certain transactions. By XX/XX/2019 I completed required transactions and was eligible for the bonus, however, Midfirst decided on XX/XX/2019 to close my account by XX/XX/2019 by the terms of use of the account without any explanation. Also, they informed me 6 days after their decision. Moreover, the promised bonus was not paid although requirements were fulfilled. 

In addition, Midfirst terminated online and mobile banking access on XX/XX/2019 although my checking account was active, open and with balance in it until XX/XX/2019. My access to my funds was limited by the bank.

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 2019-11-09 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: RentDebt Automated Collections, LLC
State: KY

Complaint narrative:
" NEW ISSUE '' Rentdebt Automated claims they verified this debt which I requested for them to send back to the original creditor as I know nothing about this debt. Please provide as you uploaded documentation of this debt. The method of E-OSCAR documentation you sent to the credit bureaus to verify this debt. Section 623 ( a ) ( 8 ) I'm requesting the record of documentation you sent to the credit bureaus to be uploaded via the CFPB portal you sent to the credit reporting agencies. If it is fount you verified this debt with a 2 or 3 digit numeric code instead sending this documentation to the credit bureaus I will be seeking litigation for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
We were legal cosigners with our adult daughter at US Bank. She had XXXX   XXXX XXXX and XXXX  XXXX XX/XX/XXXX. In person we visited the bank with the death certificate and all information they required to close all accounts. Once the accounts were closed and settled we transferred the remaining funds into a trust for the beneficiary. 

Our daughter is still receiving emails and letters from US Bank   regarding her accounts. 

XX/XX/XXXX : an email survey was sent to her, they want to know how they're doing. I responded to the survey, which was from XXXX XXXX XXXX on behalf of US Bank. They responded back to me they will pass the information to US Bank. 

XX/XX/XXXX : email sent to advise her about the updated XXXX alerts and to confirm the correct email associated with the account. 

XX/XX/XXXX : email received " are you missing out? '' presumably to promote services. 

XX/XX/XXXX : letter received regarding account terms, late payment fees, airline/travel service fee changes. 

XX/XX/XXXX : letter sent advising Visa card attached to account has been cancelled because of non-use.

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 2019-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My mortgage is with Wells Fargo. I fell behind on my payments a while ago due to divorce and loss of income. I also had to file for Chapter XXXX bankruptcy. 
I tried to work out my options with Wells Fargo to possibly get a loan modification which I wasnt able to. I was then given two options, either to have the property qualified for short sale or let it go to foreclosure. I chose option one and started working with Wells Fargo to qualify for a short sale. 
I found a buyer whose contract was approved from Wells Fargo and we had a set sale date of XX/XX/2019. While getting a title report, we discovered that there were a total of 6 liens on the  property. 
I paid a lawyer to have the liens removed. My lawyer unfortunately was only able to get one of the liens removed. I started working with the party that had placed the other liens on the property directly. 
In the meanwhile, Wells Fargo listed the property for foreclosure and told me that I only have until XX/XX/2019 to have all liens removed or the property will get foreclosed. Unfortunately, I was not able to meet the deadline and it took me just two extra days to have all liens removed. 
At this point Wells Fargo tells me that I can not short sale the house and it will have to go to foreclosure since I did not meet the deadline set by them. The house has been scheduled to foreclose on XX/XX/2019. 
We are still about two weeks from the foreclosure date. I need help from somebody that can help convince Wells Fargo to allow me to move forward with the short sale. 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 2019-11-09 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: GA

Complaint narrative:
After reviewing my credit, I noticed 8 items which appear on my credit report that does not relate to any transaction ( s ) that I have made. I have reason to believe that these items are a result of identity theft. 

Below are the of accounts appearing on my credit report that does not belong to me. 

XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX Department XXXX XXXX Department XXXX XXXX Dep ED/XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX I have not made use of my credit in years. The only account that should be reporting to my credit bureau is my car note. I did not open up these accounts and I would like them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Incorrect IBR amount. It took 30 days and 8 calls to have the amount changed. The company wanted me to forebear since my payment was overdue, which was no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: MI

Complaint narrative:
Please forward my letter to Equifax information Service LLC, XXXX. XXXX XXXX XXXX, GA XXXX. 
Today, XXXX @ XXXX, I received a notification related to an address change on my credit report. I investigated and found out the error was on my credit report with Equifax under contact information dated XXXX XXXX which is incorrect. The error occurred today because I monitor my credit report almost every day after XXXX and my credit report was correct. As of XXXX, Equifax online Dispute format, dated XXXX, address information is CORRECT. Someone went into Equifax system and incorrectly changed the address. 
Also, on XXXX, I put a Security Freeze on my account on top of a Fraud Alert on my account on/or after XXXX and the address was correct. I need to understand why someone incorrectly changed my current address ( I mailed proof of address / ssn - via -USPS Certified mail dated  XXXX ) and why someone made my ssn NOT pass verification requirement in Equifaxs system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: GA

Complaint narrative:
After reviewing my credit, I noticed 8 items which appear on my credit report that does not relate to any transaction ( s ) that I have made. I have reason to believe that these items are a result of identity theft. 

Below are the of accounts appearing on my credit report that does not belong to me. 

XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX Department XXXX XXXX Department XXXX XXXX Dep ED/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX I have not made use of my credit in years. The only account that should be reporting to my credit bureau is my car note. I did not open up these accounts and I would like them 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 2019-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
Convergence Outsourcing reported that on XX/XX/2019 that an account was opened. They then reported on XX/XX/2019 that account was diliquent. I was never contacted by this company at all and I have not opened any new accounts that could be reported as diliquent. I want real records and dates concerning this supposed debt and their liscence number for Ohio to collect any debt. I would like to know if it is standard practice to place a debt as diliquent without first contacting the person who is supposed to owe this debt?

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