vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had a credit card which was closed because of the coronavirus, unemployed, and the limit of the credit card exceeded amount of {$400.00}. My limit was {$2500.00} so the credit card company closed the card and offered me a settlement plan for the amount. There was 3 kinds of plans they offered me, but i prefer the plan of paying {$1600.00} in 3 different months of which monthly would $ XXXX monthly. I started paying on XX/XX/XXXX for the first payment. The second payment i payed on the XX/XX/XXXX because the bank was closed on the XXXX ( it was Sunday ). The third payment is the last of the {$1600.00} i was to pay on the XX/XX/XXXX but unfortunately i went to the bank to pay and the bank was closed because it was the XXXX XXXX XXXX holiday. So i called the bank someone told me the department of settlement didn't work on that day because of the holiday. The lady i was talking to gave me the number of the collection team and there was no reply from them. I called on the XXXX they answered the phone and when i submitted my information and was ready to pay so that i can be free from Wells Fargo they say " payment denied '' i asked them why they said " you failed to pay on the XXXX '' then i told them " i never failed to pay, you failed to collect '' now they transfered me to the head office and nothing was done for me. They said all the money i payed previously has no value anymore and that i have to start a fresh settlement of {$1700.00}. So those people were very unfair i got a Wells Fargo case number. My case number is XXXX. Nothing was done for me and the last word from the big boss was " nothing can be done for you ''. So I'm crying to the government to help me through this unfair situation because they told me to pay {$1700.00} extra and i don't have the money for that. I hope you can help me through this situation. Thank you very much. 
-XXXX  XXXX XXXX, 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 2021-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M HAVING A HARD TIME GETTING MY DISPUTES PROCESSED WITH THE CREDIT BUREAUS.

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 2021-01-29 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: CA

Complaint narrative:
I'M HAVING A HARD TIME GETTING MY DISPUTES PROCESSED WITH THE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: FL

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
I received an alert from XXXX XXXX that I had a collection on my credit report from Phoenix Financial for an emergency room medical bill from XXXX XXXX XXXX XXXX on XX/XX/. I was on XXXX ( public aid ) at the time. I always verify that my hospital visits are pulled up before seeing a doctor, no matter how horrible the pain is. The hospital I visited is XXXX XXXX. I contacted Phoenix Financial the moment I received the alert & notified them that I was with Next Level effectiveXX/XX/XXXX. It is illegal for the debt to be made the responsibility of a patient with XXXX. I total cost of the services were {$660.00}. This is not my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
MERCHANTS CREDIT GUI OPENED ON XX/XX/2020 FOR {$720.00} DOLLARS WAS NOT OPENED WITH MY PERMISSION.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: TX

Complaint narrative:
I was waiting for my stimulus check to come on the amount of {$1200.00}. I got my last check in paper form. The IRS portal opened up on XX/XX/XXXX. I learned then that it was direct deposited to my Netspend card. I haven't used that card in almost 2 years and was even locked out of online access because of inactivity. Also, my wallet was stolen on XX/XX/XXXX in which a police report was done with the XXXX Police department. Once the portals open because I did not have access to Netspend online I called customer service and was told I had a balance of XXXX. Netspend was closed. I called early XX/XX/XXXX spoke to a rep who filed my dispute and unlocked my access to my Netspend online. There online in the secure inbox, Netspend sent an email on XX/XX/XXXX staying an ACH deposit was received and that additional information was needed to process it, if I did not respond by XX/XX/XXXX XXXX CST they would send check back. They did not do that. They processed the check on XX/XX/XXXX. On XX/XX/XXXX I received ba message stating that no error was detected and I would not receive a credit for my lost funds. The transactions were all signature transactions, the check was not supposed to be deposited to the account in the first place. They were suppose to send a new card and on XX/XX/XXXX stated card was sent back because address was unverifiable but I've received all my stolen information including my new ID but not their card now I can't even access the XXXX left.

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 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I was a client of this bank for over 10+ years, I called them while I was out of the country working and told them, I saw that money was being taken out of my account and I had no knowledge of who or where it was going. once I put in the complaint I was not allowed to have access to the account nor their website. Upon returning back to the states, I tried to reach out and still could not access the accounts nor website, so I tried to open another account at a different institution, I was told to call the early warning department and they told me that I have a negative account and could not be helped until I cleared this up. So I proceeded to call USAA and while talking to one of their representatives, I was told my account was closed because I had a negative account of XXXX. I proceeded to ask the rep, how did your bank allow someone to get negative XXXX, and the response was they didn't know because they've saw accounts close for negative {$5.00}. I was told it was under investigation over two weeks ago and no one have reached out to me. I was also told to reach out to their legal dept, nothing has come from that as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
NewRez XXXX ShellPoint is engaging in predatory lending practices. They have failed to pay our property tax, failed to pay our insurance, failed to pay the tax penalties we were assessed, and failed to properly balance our escrow account. They did finally send a check a couple months late for overage in the account but when deposited it was returned as not authorized so now I have a bank charge to pay as well. The issue is no one at the company has any competence to discuss and resolve the situation. We have made numerous calls, sent numerous emails all without a resolution. NewRez will not take ownership of their poor performance. It is ridiculous that I must search out legal council to address my issues. I previously submitted a report which accomplish nothing. There should be oversight from the CFPB, not just letters nobody reads and no action is taken. The real issue is there are thousands of people with the same issues I am having. ShellPoint has the most complaints of anyone. Why are mortgage servicers not held to the same standard expected of the consumer. This quite frankly is unacceptable as requires much more colorful language than is present in this complaint. This company should be immediately taken over by the government and closed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MECHANICS BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX from XXXX XXXX XXXX with Mechanics Bank who financed the vehicle. From the very beginning, the car had major problems that I was unaware of and could not have known. In the first week after purchasing the car I was forced to return it back to XXXX XXXX while driving it the warning light came on " XXXX XXXX  '' the air suspension went out and the car lowered to an unsafe distance from the ground. XXXX XXXX XXXX sent the car out for repairs, however, two weeks after the repairs, the car lowered again to an unsafe distance to the ground. I had it towed to my local XXXX dealer, XXXX XXXX XXXX. When the tow truck arrived he was unable to line up the towlines on the front bumper, which appeared to be replaced and put on incorrectly. After the car was towed I reviewed the XXXX, though it had no accidents reported, there appeared to be a lot of work done on the car. As I called each company that had did repairs, this became a horror show, which each company stating that the car was not safe to drive, both bumpers had been painted over which rendered the sensors located in them useless. The previous technicians indicated that the car had been in an accident and appeared to be salvage. XXXX XXXX insisted I purchase an extended warranty which I did, however, I refused to use it to make repairs, as I felt they were preexisitiing and they would be made on my dime. I canceled the warranty in XX/XX/XXXX, however, the dealership held on to it until XX/XX/XXXX, after receiving the letter from my attorney they turned over the XXXX to Mechanics Bank. 
My complaint is against Mechanics Bank, as my attorney is dealing with XXXX XXXX XXXX. To finance this car for XXXX minus my down payment, a car salvaged not worth more than {$1500.00} at best, did not hold up to their financial obligations according to the FDIC. In addition, my car payments were misapplied I made my first payment to Mechanics bank and principal payment, however, the principal payment I requested was made to pay Mechanics Bank interest. As a consumer Mechanics Bank had a duty to protect their interest along with mine, which leads me to believe this fraud was done in concert between the two parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX THESE HARD INQUIRIES WERE PUT ON MY TRANSUNION REPORT WITHOUT MY CONSENT ...

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 2021-01-29 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: TX

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet I feel like I'm being taken advantage of and being ignored of my disputes. The Law plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by Experian as well as the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2021-01-29 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: CA

Complaint narrative:
It's almost 60 days today since Ive sent Dispute regarding to those unknown and inaccurate accounts I found on my credit report. But I haven't received any response.I was so stress and I Demand to immediately REMOVE those account on my credit report or I will file a litigation.

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 2021-01-29 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: FL

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I KEEP SENDING MY DISPUTES TO THE CREDIT BUREAUS AND I'M NOT GETTING ANY RESPONSES. IT'S BEEN SEVERAL MONTHS NOW.

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 2021-01-29 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: CA

Complaint narrative:
I KEEP SENDING MY DISPUTES TO THE CREDIT BUREAUS AND I'M NOT GETTING ANY RESPONSES. IT'S BEEN SEVERAL MONTHS NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: FL

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA

Complaint narrative:
THEY CORRECTED THE PROBLEM. 
I BELIEVE THIS WAS NOT AN HONEST MISTAKE. 
REFERRING TO XXXX - XXXX,. 
THE AMOUNT WAS PLACED INTO MY CHECKING ACCOUNT. 
EVERYTHING I WROTE IN XXXX - XXXX IS FACT. 
I NEED NOT BE SPECIFIC AS TO WHY I BELIEVE THIS WAS NOT AN HONEST MISTAKE..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: LA

Complaint narrative:
Phoenix Financial Service placed a collection on my credit reports in XX/XX/2020. I was confused as I do not owe anyone money, so I called to inquire. They stated it was from a medical bill from XXXX XXXX XXXX, but I have not lived anywhere near that hospital nor been to it in over 10 years and Phoenix said they did not know the date of service or any other details- that is the first illegal thing. I was interested in settling the debt, but was then told by Phoenix that they sold the debt, but they couldn't find out who they sold it to in the system. I spoke to three different people and none of them could tell me who owns the debt or how to pay it. How can I possibly get something off the credit report if the creditor can't even tell me how or to who? Also illegal. Lastly, I was told that they had the debt for several years ( yet didn't report it until 2020 ) and, " Don't worry, it will fall of your credit soon since it's so old ''. Completely unprofessional and was also a lie, since it is still on there 5 months later. Disputed with XXXX  and it was denied, so they obviously received different information than I have. I have never received any written communication from Phoenix either, before the collection or since I found out about it, which is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
AMSHER COLLECTION SERVICES a agency attempting to collect on a alleged medical debt that I have no knowledge of. 

They place derogatory information on my credit report without due process ... .process to include, allowing me the right to dispute this alleged account and I never received any written notice prior to them placing this damaging information on my report as if it were valid when in fact it is not. 

I feel that my rights were violated as a consumer pursuant to the FAIR CREDIT REPORTING ACT. 

The original creditor is : XXXX XXXX XXXX..alleged amount $ v XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: PA

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation