vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Riverwalk Financial Corporation
State: IL

Complaint narrative:
On XXXX XXXX, XXXX, Deville Asset Management reported to my XXXX account a balance of {$20000.00} from original creditor, XXXX College. My school had already been closed for an entire year at this point. 

On XX/XX/XXXX, I received information from the US. Dept of Education explaining due to my school closure, all of my student loans would be discharged. I followed up with the US Dept of Edu and spoke with a representative who explained that all of my 18 loans I had were all discharged. 

I have disputed the collection twice. I have never received and information from the collector explaining that they have taken it over. After speaking with the US Dept. of Education again, I was advised to reach out to the collection agency and see what is going on. 

The representative told me that my debt was bought and I owe them money. Again, I have never received any information from them regarding the debt owed other than the times I reached out to inquire my account. I requested for information regarding the account they have on me but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had an IRS payment plan through my payroll. For some reason the IRS decided to withdraw from my bank account. It overdrew my account. This resulted in a {$35.00} overdraft fee. I was in the hospital with a bleeding ulcer so I attempted to close my account to avoid this in the future. I was told I had to do so in person. When I tried to resolve this in person, they gave me a phone number to call. When I contacted them the charges where disputed. When reviewed they disallowed the dispute and turned it to collection. The {$86.00} is now {$260.00}, which I offered to pay the original {$86.00} to no avail.

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 2020-05-28 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: LA

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Good morning - I currently have a mortgage loan with Wells Fargo and I have repeatedly attempted to have the PMI removed from my loan. The first time I approached Wells Fargo regarding the PMI I paid for a brokers price opinion through Wells Fargo and that was a disaster. The broker that came out was not the one that was assigned to generate the opinion, someone else showed up in the persons place took a few pictures and left, needless to say the price opinion was way low. Now I am looking at an option to refinance and I have paid for an appraisal ( XXXX  XXXX  ) which I have supplied to Wells Fargo and they are telling me that I have to use their vendor for an appraisal which I DO NOT WANT TO DO because of my first experience with their vendors ... XXXX besides, isnt this STEERING? I should not have to use their vendors when I do not trust them. 

Wells Fargo maintains that they can not remove my PMI unit I reach the 70  % loan to value. What is even more frustrating is that my taxed assessed value is below the 70 % loan to value. 

Wells Fargo is taking advantage of people. I have never missed a payment and I tried to work with them. My loan is in good standing. Please let me know what I can do. 

Regards -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 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
An a unauthorized charge of {$100.00} was made to my credit card on XX/XX/XXXX. After repeatedly writing to this bank and proving I did not authorize this charge, received no goods in return for the charge, and according to banks own terms and conditions I should not be liable for this charge, the bank refuses to remove or credit the amount, gives me a different reason for its refusal each time, will not even sign their letters with a person name or contact. I have proven my point. Ive never had such trouble with a bank in my life. Im XXXX, old, sick and tired of fighting this battle with them! But almost {$110.00} is a lot of money to me. Plus, the principal of the issue is this is a fraudulent, unauthorized charge and I do not believe I am liable for it. Im pursuing a separate claim through other agencies against the so called company that made this charge. I want the bank to stand by its terms and conditions and remove this fraudulent amount!

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent over 5 letters to Equifax, XXXX, and XXXX - according to my understanding of the FCRA. Credit reporting agencies can verify bankruptcies through 3rd parties ; yet, they seem to be allowed to get away with this on a regular basis. Not to mention the inaccuracies associated with bankruptcy reporting down to the name, courthouse name, balance, liabilities, and even docket numbers. All three of my credit reports show inconsistent information and inaccurate information. I contacted my local court and they told me - they do not verify bankruptcies with third parties. With that being said - this is a violation of the FCRA. The CRA must verify all information directly from the furnisher of that information and not a third-party. The courthouse has stated to me in writing they did not and was not the furnisher of this information to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
There are two companies involved here. One is XXXX XXXX d.b.a. XXXX XXXX ; the other is National Credit Adjusters. In XXXX of XX/XX/XXXX I took out a loan with XXXX XXXX. It was predatory -- 227 % -- but I knew I would be paying it as soon as the funds from the sale of my house arrived. In XXXX I mailed a check to pay off the loan, but when someone from XXXX XXXX told me of the hundreds of dollars of interest that would accrue while they verified the check, I canceled the check and sent a cashier 's check instead. 

When they received the cashier 's check, XXXX XXXX sent me an email saying that my loan was paid off. The email said that I could get a paid off letter from their Website by logging in to my account, so I logged in and retrieved the doc. ( It is a copy of the original loan doc with the words PAID IN FULL superimposed across each page. ) Then two-and-a-half years later I was contacted by the collection agency National Credit Adjusters saying to send {$5000.00} for this loan. Despite sending them my evidence and explaining to them that the loan is paid off, they continue to keep this on my credit report and continue to send me letters asking for payment. 

My son has two XX/XX/XXXX XXXX. If he were to catch the coronavirus, it would most likely be fatal. So when my employer reopens their doors, I will not be able to go back. For that reason, my wife and I plan on selling in Southern XX/XX/XXXX and moving to XX/XX/XXXX where things are more affordable. The problem is that my credit rating makes it difficult for me to qualify for a loan and Im not able to do anything to raise that rating due to National Credit Adjusters reporting that I owe for a paid-off loan. 

My two-and-a-half pieces of evidence : 1. The email from XXXX XXXX saying my loan is paid off. 
2. The Paid in Full doc from XXXX XXXX XXXX. 
3. I did not save the copy of the cashiers check ( I figured numbers 1 and 2 would be enough ). But I do have a bank statement showing a cash withdrawal of {$5000.00} ( used to buy the cashiers check ) on XXXX. The paid-off email is dated XXXX. This is my half piece of evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: FL

Complaint narrative:
I had a collection report of {$68.00} dollars on all my credit reports for XXXX XXXX being reported by XXXX XXXX XXXX un XX/XX/2018. It is the only derogatory collection on my report thus far. I paid off the bill but I was requesting for a pay to delete for it to come off my credit but they are saying they can not delete it off my report even with the paid item. It is showing also that I had disputed this item still though I had gotten a letter stating that they were reporting the debt correctly. I was writing a request for both the bill and the dispute remark both to get deleted off my credit because paid in full and the remark will not help my credit scores. I appreciate your consideration on this. This was a medical bill for my daughter that I overlooked with the company long ago. I didn't see that bill.

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 2020-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XX/XX/2020 applied for a Care Credit card on line as advised by my XXXX XXXX office in the amount of {$5000.00}. XXXX. I filled in my name, address, phone numbers, last four social numbers and date of birth and net income for the month. At this point, I was denied. No reason given ; told I would get a letter in the mail from the bank explaining ( Synchrony Bank in XXXX, Fl ). Same day in the afternoon, I phoned in my application and gave same information and denied as it was a duplicate application. XX/XX/2020 discussed with employee of XXXX XXXX who said she would call the Care Credit company to find out what is going on. XX/XX/2020, heard back from employee of XXXX XXXX and told problem occurred as no information re/net income and told to call Care Credit to fix. I called the same day, gave information to woman at Care Credit but I was denied again. Told Ill get a letter in the mail from the bank. XX/XX/2020 received letter from Synchrony Bank indicating the most significant reason the application was declined listed below : ratio of current obligations to income provided. The bank claims they received information from XXXX XXXX but XXXX XXXX played no part in their ( bank ) decision and unable to supply reason why credit denied. I had applied for the amount of {$5000.00} to pay for dental implant issue that is definitely needed. I am quite capable to repay the loan amount ; I never got to where I would complete financial information ... ..income vs expenses. Care Credit not only deceived me but the representative of the XXXX XXXX office. I truly feel this an age discrimination issue.

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 2020-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX. I was asked to call another number at XXXX and provide them with the claim number XXXX. I spoke to XXXX at XXXX XXXX XXXX. She mentioned that their company was hired to collect a debt from XXXX. She offered me a settlement amount of XXXX. I told her that I would call her back. Later that day, she called me again. I did not answer. 
Today, XX/XX/XXXX my place of employment received a call about garnish procedures. They left a message with the place of employment general number. They mentioned my position as the person of contact. My identity was easy to identify. I also received an email at my place of employment email. I never provided this information. I did pay the debt because I felt uneasy about the threat and I risk losing me career credentials.

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 2020-05-28 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: LA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXXXXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: AK

Complaint narrative:
My home was destroyed by an earthquake on XX/XX/XXXX. We put the house up for sale XX/XX/XXXX and we have had many offers and Specialized Loan Servicing Company has delayed and rejected all offers on the sale of my home for no reasonable reason. I owed approximately {$150000.00} on my home when the earthquake hit and the last offer we got on the house was {$150000.00} on XX/XX/XXXX. Specialized Loan Servicing approved a short sell on XX/XX/XXXX and then later rejected that short sell, but approved another short sell on XX/XX/XXXX. We have an offer which has been on the table since the end of XX/XX/XXXX and yet we are still dealing with Specialized Loan Servicing trying to get this offer accepted! I hired an attorney due to the frustration with this company who sent a letter on XX/XX/XXXX demanding that they accept this offer and they completely ignored the letter! I was told by my attorney that it would cost me approximately {$20000.00} to {$30000.00} to bring a lawsuit against Specialized Loan Servicing and I chose not to do so. My husband and I live paycheck to paycheck. When this earthquake hit in XXXX of XXXX we lost over {$200000.00}. in equity and also we lost our home of 27 years. We were forced to live in a borrowed motorhome, a hotel and now we are living in a rented duplex. My realtor and I are so frustrated over the handling of my situation as far as Specialized Loan Servicing. The person whom we were told to talk to with SLS ( XXXX ) does not return our phone calls in a timely manner and we were told at one point that she dropped the ball and had our file on her desk for approximately 5 weeks without handling anything with our file.We are just wanting SLS to do the right thing and accept this offer so that we may get on with our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
XXXX mailed check for {$750.00} for XX/XX/XXXX payment. .. On XX/XX/XXXX mortgage company cashed check for {$450.00}. Ive made numerous calls to mortgage company since XXXX no one can tell me or explain what happened & why. Today I call again an automated payment claims I made a payment on XX/XX/XXXX for {$0.00} & owe {$750.00} for XX/XX/XXXX. 
Please help as someone altered my check & now mortgage company claims I owe the full XXXX payment.

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 2020-05-28 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: LA

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the 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 2020-05-28 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: LA

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the 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 2020-05-28 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: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/2020 I attempted to Transfer funds to my XXXX XXXX account with my ReliaCard. I called XXXX XXXX just to make sure my money got there and they said the account was closed also that I should get the money back within two days. I called ReliaCard sat on hold with them for three hours in total and three different calls and I still did not get an answer and I also did not receive the funds back in my Reliacard account.Every other service is excellent. This is not a complaint with their company in general I just would like my money and I also have screenshots of the day I Transfer the funds and the hours I sat on the phone.

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