vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
We did a pay to delete to a collections company ( Credence Resource Management ) in regards to our XXXX account. We made sure to make the agreement as we were paying the bill in full ( {$360.00} ) on XX/XX/2020. We were told we would receive a deletion letter for our mortgage lender as soon as we made the payment. It is now XX/XX/2020 and we have NOT received the deletion letter and the account has NOT been deleted from the credit report. It shows paid in full, but HASNT been deleted, as promised. We were told that it would be electronically deleted as soon as the debt was paid. We have made repeated phone calls ( at least 3 calls, every single day ) and spent hours on the phone with both XXXX and Credence Resource management and have been told every time that we would receive the deletion email within an hour or this afternoon or by the end of the day. At that point we ask to speak to a supervisor or manager to expedite the process and each time weve been hung up on. This has happened several dozen times. 
Credence Resource Management has had the most disrespectful representatives and theyve been nothing but extremely rude and unhelpful. Ive been cut off each time Ive tried to explain our situation. 
The XXXX representatives have promised to help, transferred us back and forth, put us on hold for hours at a time, and ultimately resolved nothing. 
By making the payment and the agreement being a pay to delete we assumed they would be immediately deleting the account from the credit report, which we were told they would do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
I was told I have a debt, I mailed a check to the original company was owed to my son doctor. 

They hot my credit when I called them he said this isnt XXXX XXXX you cant have it your way, wouldve let me record him or confirm this debt is being removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I called to find out my score but they have my social security number incorrect I've been denied a loan during this horrible epidemic

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 2020-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Both chase and XXXX XXXX have wrongly accused me of having fraudulent activity therefore after placing these inaccurate false lies on my early warning system report and not removing them as asked. I have asked them kindly to remove this off of my report as I have been a victim of fraud and they refuse!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
In XXXX, 2020 Navient tried twice to take a total of {$35000.00} out of my checking account ( in increments of {$5000.00}, {$10000.00}, {$10000.00}, {$10000.00} ) each time. XXXX  XXXX XXXX returned the items each time for insufficient funds and charged me with a total of XXXX NSF fees of {$35.00} each ( which XXXX  reimbursed me for when I explained what happened ). I had made an agreement with XXXX XXXX and XXXX XXXX with Navient ( who I received a letter from stating our agreement and have attached with this document ) to settle my sons ( XXXX XXXX ) private loan debt of {$82000.00} for {$35000.00}. It all depended on me getting a home equity loan - which is still in process and will most likely close later next week Ive been told by XXXX. XXXX requested my account information to do the payment with electronic funds transfer. He stated it had to be done that way, He said he set it up to come out of my account XXXX. XXXX ( because we began this process mid XXXX and he said he had to use that date but could extend the agreement if the home equity loan hadnt gone through yet ). I kept him updated on a regular basis and called him on XX/XX/XXXX and told him it would take a little longer for the loan to go through and to not try to take out the funds. He said ok. But as stated above, Navient tried twice, even after calling XXXX about the first time they took out the {$35000.00}. He apologized and said it was a mistake and told me it wouldnt happen again - but it did. XXXX  XXXX XXXX has blocked Navient from withdrawing any more money from my account. When I close on the home equity loan, I will send them a check instead for the agreed payoff amount. I definitely dont trust them and am shocked they are still allowed to be in the educational loan business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I have filed a police report also reported this with FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has wrongly accused me of fraud or suspicious activity, I ask that this be removed from my social security and early warning system immediately

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 2020-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: NJ

Complaint narrative:
I have no idea what this collection notice is about, nor do I have any clue where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XX/XX/2019 I applied for an auto loan with Fifth Third Bank. I told the agent all the information about the van specially it's a salvage title. And then they still pulled my credit report and denied the loan because it's a salvage title. So that effected bad on my credit report. I tried to talk to the agent whom did the loan and they said they can not do anything about that. So my question still is " is it right to pulled my credit report when they known that will be denied ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: Service Finance Holdings, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I was made aware that Service Finance Company LLC dba Service Finance XXXX XXXX Texas placed on my credit report a remark that says " affected by natural disaster ' ear marking the fact that I was being given relief due to the COVID 19 situation This was completely opposite of what XXXX at that company ( XXXX ) told me on XX/XX/XXXX when I called and spoke to him and told him I wanted to avoid any damage to my credit rating I called the company again on XX/XX/XXXX and spoke to XXXX who refused to remove the remark from my credit report XXXX ( employee id # XXXX ) said The Fair Credit Reporting Act of 1970 permits them to let others know I am unable to pay the account right now. 
I was and continue to ask that they remove this negative comment in accordance with The CARES Act because I was current on the account prior to the XX/XX/XXXX payment due date, have always paid more then the minimum due and was not in default, have been unable to work since XX/XX/XXXX due to the Corona Virus and they granted me 120 days to make the next payment in accordance with their pandemic relief policy XXXX refused to remove the remark, threatened to take back the 120 day relief granted, refused to give me the name of the company Resident Agent so that I could address this matter directly and spoke to me in a demeaning manner

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following account be verified or removed immediately. Collection Agency : Caine & Weiner Company Original Creditor : XXXX  XXXX  Balance : {$160.00} I requested that Caine & Weiner Company USA provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay Provide me with copies of any papers that show what you say I owe Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on this account. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent. 

Answers to these questions were requested also : Who is the current owner of this alleged debt? 
Who is the original creditor for this alleged debt? 
If XXXX XXXX XXXX is the current owner, when was it purchased? 
Who was it purchased from? 
Have you assigned the alleged debt to another entity for collection? 
If so, to whom was it assigned and when? 
Have you sold or otherwise transferred this alleged debt. 
If so, to whom was it sold and when? 

In my XXXX letter to Caine & Weiner I requested that they provide the statements and documentary evidence for validation of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hi CFPB! Please send the following documents to Wells Fargo Bank. Thanks!

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 2020-04-11 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
Countless requests via phone and recently email, have been made by me to Navient to apply my over payments to principal and do not advance my due date. Each time I was told that they would make the change. I would see the change for one month and then my due date would be advanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I am a XXXX  service member and I am currently trying to get approved for a home loan. It has been put on hold due to some information that XXXXComenity Bank sent to the credit bureau. I have been a loyal customer & made sure to make my payments on time. I have not fallen into collections at any time. I paid my credit card bill & the company reported to a credit bureau that I had not made the payments for XXXX of 2020. I have proof that I was not late or behind. In fact, the account is at a {$0.00} balance out of {$5500.00}. I did not serve my country for this to interfere with me getting a home for my family and I. I have asked a customer service representative if there was a way that the company could help & the representative told me no. I just really want this taken care of. I will be submitting bank account information with dates & amounts in the attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/XXXX I received a notice from B of A regarding an escrow refund of {$3000.00} for escrow funds in my account. I immediately felt it was an error on the banks ' part and contacted them on XX/XX/XXXX and the service rep created a ticket to start an investigation ( ticket # XXXX ) and said call back on XX/XX/XXXX to find out the response. 

XX/XX/XXXX I call XXXX they said they couldn't reach XXXX XXXX , OH Tax dept. to see if my taxes were paid and if this was my money or if I needed to send it back to them. The said call back XX/XX/XXXX for a resolution. 

XX/XX/XXXX I call XXXXXXXX XXXX was on hold until XXXX they said they made an error and needed to verify one more thing with XXXX  who handles their tax information gathering and for me to call back XX/XX/XXXX for final resolution. 

XX/XX/XXXX I call XXXX was told to deposit the check into my account and then call back on XX/XX/XXXX to make an escrow deposit and ask them to rerun my escrow analysis. 

XX/XX/XXXX I call back XXXX and as instructed paid over the phone the refund I was erroneously given to replenish my escrow account. After they ran my analysis I was disputing with the rep my payment info because the math wasn't right. She said she would send me a statement to review. 

XX/XX/XXXX I receive the statement and my house payment was increased {$300.00} per month!! I went thru the report sent and seen a few errors that need corrected. One B of A recalculated my annual property taxes wrong. Per the county ( see attached ) my taxes are {$3100.00} per half which equals {$6200.00} per yr. They have {$9600.00} which is why they raised my payment so much. So that needs fixed. Second error is they passed on to me a {$310.00} tax penalty from the county that I shouldn't be responsible for due to the bank 's error. They have always paid the 1st half taxes of the previous yr in XXXX and the second half taxes in XXXX as property taxes are always in arears. 

I have had my loan with B of A since XX/XX/XXXX and have not had any problems. I pay like clock work every month. During this whole process I was told on multiple occasions someone reach out to me and they never did. I had to do all the leg work. Further more if I didn't take time to investigate and actually spent this money based on their faulty information I would have some serious tax issues later in the year when the county billed them for the taxes due.

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 2020-04-11 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: NY

Complaint narrative:
I had previously submitted a complaint to XXXX  MasterCard in regards to them reporting that I was late in that account. Due to corona virus Pandemic my job laid me off. I arranged with mercury cards an agreement for 3 months and was told entering into this agreement they will not report my account as late. They did and my score dropped almost 90 points. I am now uploading the letter they sent me to show proof that this was not to be reported.

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 2020-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a XXXX  XXXX XXXX and I am currently trying to get approved for a home loan. It has been put on hold due to some information that XXXX XXXX sent to the credit bureau. I have been a loyal customer & made sure to make my payments on time. I have not fallen into collections at any time. I paid my credit card bill & the company reported to a credit bureau that I had not made the payments for XXXX of 2020. I have proof that I was not late or behind. In fact, the account is at a {$0.00} balance out of {$5500.00}. I did not serve my country for this to interfere with me getting a home for my family and I. I have asked a customer service representative if there was a way that the company could help & the representative told me no. I just really want this taken care of. I will be submitting bank account information with dates & amounts in the attachments below.

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 2020-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC

Complaint narrative:
Already a month ago, I tried to purchase 2 XXXX on XXXX. The seller told me to make the transaction throw Zelle. I sent XXXX dollars in 2 different transactions. One throw XXXX XXXX and one from XXXX XXXX. The seller sent me a package but they were empty with no phones insde. I already contacted the 2 differnet banks but they have not be able to do much more for me. 

I alrdeay filled a report to XXXX police and one to FBI for fraud and scam. What I can not understand is how this people who scammed still are scamming other customers using zelle. And zelle do not take actions on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: NY

Complaint narrative:
I had previously submitted a complaint to XXXX XXXX in regards to them reporting that I was late in that account. Due to corona virus Pandemic my job laid me off. I arranged with XXXX XXXX an agreement for 3 months and was told entering into this agreement they will not report my account as late. They did and my score dropped almost 90 points. I am now uploading the letter they sent me to show proof that this was not to be reported.

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 2020-04-11 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven`t received any investigations results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-11 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:
On XX/XX/2020 I filed a complaint # XXXX with CFPB as follows : ( QUOTE ) I am in the process of obtaining a residential mortgage. On XX/XX/2020 I attempted to unfreeze my Equifax credit history via myequifax.com. I had called Equifax earlier that day for assistance and was advised by their XXXX call center to us myequifax.com to obtain my credit report and to unfreeze my history. I was unable to access the website which displayed a phone number to call. I called the number and the person I spoke with advised me to fax my passport and drivers license with a cover letter to XXXX which I did on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Equifax advising I needed to submit copies of my passport and drivers license to verify my identity. I called the XXXX call center who verified receipt of my fax on XX/XX/XXXX and that my identity was confirmed. The representative offered to unfreeze my credit history which I declined instead requested assistance to access myequifax.com. He transferred me to the help desk which I was on hold for over four hours without result. On XX/XX/XXXX I called Equifax at XXXX when they opened and spoke to XXXX who said he was a supervisor in the XXXX call center. He advised they were unable to verify my drivers license copy and that I would need to resubmit my documents. I should note that when I tried to fax on XX/XX/XXXX it took hours as their fax line wasn't working correctly. At this point I am hopeful the CFPB can lend assistance as it appears Equifax is running me through a gauntlet as a punitive measure because I have a security freeze. Thank you for any assistance. ( UNQUOTE ) On XX/XX/2020 Equifax reported via the CFPB portal that their investigation was completed and that they had temporarily lifted by security freeze and that I would be able to access my credit history via myequifax.com. On XX/XX/2020 I attempted to login to myequifax.com and again was unable to access the website which still displayed the Equifax XXXX call center phone number.

Company response to consumer: Closed with explanation