vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
When contacted by phone, explained to the debt collector we do not own the company that they have listed as the debt being owed. The company listed was sold by my in laws eighteen years ago to a man named XXXX. That is all I know. I asked them to please remove me from their phone calls and letters as this debt is not my husbands or mine. This debt is from XXXX to the company XXXX XXXX XXXX XXXX XXXX. My husband and father in law have the same first and last name, different middle name, different social, different address, My father in law passed away three years ago after selling this company eighteen years ago to a man whom I only know as 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 2019-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Los Angeles Collection Service, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXXl and the people who claim to represent it are attempting to collect payment for an alleged scratch to the driver side door of a rental car, but are withholding basic information and acting in a deceptive manner. I have repeatedly asked for a copy of all prior repair estimates for the vehicle, confirmation as to whether repairs were actually made and a detailed final invoice for the actual repairs performed. My polite correspondence has been met with deception, hostility and attempts to intimidate. 


The requests for payments are coming from Los Angeles Collection Service  and an employee of XXXX  XXXX named XXXX XXXX. XXXX XXXX claims that XXXX  XXXX owns XXXX XXXX XXXX, although he has been unwilling to provide any documentation to back-up this claim. 


The reason I am asking for a copy of all prior estimates is that the car had significant pre-existing damage to the rear bumper, which would have required auto body work that duplicates the work that XXXX XXXX XXXX is trying to get me to pay for. All parties agree that the car was damaged before entering my possession. There are pictures and a video that prove the existence of pre-existing damage. The damage that XXXX XXXX XXXXl claims I am responsible for is a scratch to drivers side door, and yet they want me to pay for 5.8 hours of labor, plus parts, for the cars already damaged bumper. 


One of the few documents that I have been provided with is a " Preliminary Estimate ''. Unfortunately, the Preliminary Estimate conflicts with written statements from XXXX XXXX. For example, XXXX XXXX has claimed ( in writing ) that Im only being charged for 2.2 hours of labor for work to the cars bumpers ; however, the Preliminary Estimate shows 5.8 hours of labor. My conclusion is that either the Preliminary Estimate is incorrect or XXXX XXXX is lying. 


In order to help resolve the gross discrepancies between XXXX XXXX XXXX XXXXs written statements and the Preliminary Estimate, I have asked for a copy of an invoice showing the actual repair costs to the vehicle. XXXX XXXX XXXX admits that the repairs have already taken place, but refuses to provide me with a detailed final invoice. 


I attempted to resolve matters over the phone, which resulted in XXXX XXXX yelling at me and acting in a hostile manner. I attempted to resolve matters with correspondence, but XXXX XXXX responds with inaccurate information and wild speculation. 


Additional Information : -The rental car was returned to XXXX XXXX XXXX ( by me ) on XX/XX/2018XXXX XXXX XXXX   alleges that I returned the car to them with a new scratch to the driver side door. 

XXXX XXXX XXXX has demanded {$1800.00} for repairs. 

-To my later objection, my insurance company paid XXXX XXXX XXXX {$800.00}. 

XXXXXXXX XXXX XXXX is demanding {$1000.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: OH

Complaint narrative:
LOOKING OVER MY CREDIT FILES TODAY AND I SEE ACCOUNT THAT I HAVE NEVER RECALLED DOING BUSINESS WITH THESE COMPANIES. I HAVE SOME ADDRESS ON MY FILE THAT DO NOT BELONG TO ME. 
THE FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I have filed a Police report and a FTC ID Theft Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Around XX/XX/2017 I was going to do a loan modification with Wells Fargo I decided not to. A forced loan modification was done on me which caused me to have an escrow account that I have never had in my life it jacked my payments up {$300.00} more and then specialized loan servicing bought my account and I have done everything they wanted me to do to drop my escrow and they still will not drop it I am in a situation that I did not ask for that I'm forced into and if it doesn't get fixed financially I might lose my home. And because of this my insurance is due and now my insurance company is wanting over {$1300.00} for a Year 's worth of payment when I have always paid monthly my whole life please help me

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 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are several credit accounts that are reporting on my credit report that were opened without my consent. These accounts are fraudulent and needs to be removed from my credit report. I have to complain via CFPB because Equifax has made it flat out hard for me to dispute online or over the phone. When I call I am told that my credit report is handled by a specialized department and that there hours are never available when I call. When I try to dispute online it always times out in an error so I have no other alternative to dispute wrong information. Please remove these following accounts : Synchrony XXXX has three accounts listed, XXXX XXXX, XXXX XXXX XXXX. All of these accounts were opened without my consent and need to be removed. I have attached an FTC Affidavit and police report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: National Recoveries, Inc.
State: IL

Complaint narrative:
National Recoveries, of XXXX XXXX. XXXX XXXX, XXXX XXXX, MN is a debt collection agency. I have repeatedly requested names, dates, amounts of loans, and payees. Only a very small part of my request was sent to me. They are seeking to attach, seize, or take my only continuing monthly financial asset. 

There are multiple violations of the 1977 Fair Debt Practices Collection Act. Section 1692 ( e ) disallows '' ... the seizure, garnishment, attachment, or sale unless such action is lawful. '' There is no lawful court order here, no notice of specific action beyond vague threats, nor service ( nor any aspect ) of legal process. Section 1692i ( a ) ( 2 ) provides that " Any debt collector who brings legal action on a debt ... shall bring action in the judicial district ... '' Seizing one 's Social Security is legal action, but there is no evidence of court or other legal authority action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
I am being harassed by a collection agency named Linebarger Goggon Blair and Sampson. They have repeatedly called my home number even though I have informed them that they have the wrong number. They have called 5 times in the last two weeks and probably 20 times in the last 3 months. I have politely told them they have the wrong number, but they ignore me and demand my personal information. They ask for a person that doesn't live here and get rude when I tell them that no one by that name lives here. I am a XXXX XXXX XXXX and XXXX veteran living on a fixed income and the calls are triggering my XXXX. Luckily this morning I was able to jump on my bike for a ride to calm down. I thought there were laws about collection agency harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo Bank follows a policy of making it difficult to contact them, forcing waits often of an hour and more. 
A web search reveled that this is a widely embraced policy. Suites such as XXXX, XXXX XXXX and XXXX have been developed to deal with this problem. None of them work for me. In particular they provide no way to contact the group one needs to talk to, directly, at XXXX. Instead one has to be transferred to a call center, which obviates XXXX procedure of calling on ones behalf so one does not have to wait interminably on hold. 
I had requested a stop payment to XXXX XXXX XXXX ( I am XXXX ) on Sunday XX/XX/11 and was told to call back on Monday to provide reasons why. The phone never answered. This means the stop payment will go through without XXXX being advised why. I depend on their home delivery service. Usually I have been treated well, but both XXXX and Wells Fargo have blocked my attempt to reach someone at XXXX to resolve the 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 2019-08-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I applied for a modification of the first position mortgage and was approved for a trial modification. I am eligible for a permanent modification if I resolve the liens against the property. 

I have entered into a repayment agreement with Santander but they are refusing to issue me proof that they consider their lien subordinate to the XXXX mortgage. They stated that the nature of the lien makes it subordinate and they are refusing to issue a letter or email stating that they are subordinate. I have also sent a subordination form to them that XXXX has drafted and they refuse to complete the form. 

If I don't get any help with this, I will lose my home. XXXX issued a denial letter today stating that I was denied based on the fact that I have not resolved my lien.

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 2019-08-14 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: OH

Complaint narrative:
LOOKING OVER MY CREDIT FILES TODAY AND I SEE ACCOUNT THAT I HAVE NEVER RECALLED DOING BUSINESS WITH THESE COMPANIES. I HAVE SOME ADDRESS ON MY FILE THAT DO NOT BELONG TO ME. 
THE FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  # XXXX XXXX  XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX I have filed a Police report and a FTC ID Theft 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 2019-08-14 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: OH

Complaint narrative:
LOOKING OVER MY CREDIT FILES TODAY AND I SEE ACCOUNT THAT I HAVE NEVER RECALLED DOING BUSINESS WITH THESE COMPANIES. I HAVE SOME ADDRESS ON MY FILE THAT DO NOT BELONG TO ME. 
THE FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I have filed a Police report and a FTC ID Theft 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 non-monetary relief
Consumer complaint received 2019-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
My wife tried to pay Comenity Bank on time on XX/XX/2019. Customer Service and the supervisor made it clear that she is not allowed to pay them in my behalf. They refused an extension of due date, since I am in the hospital and am forcing me another item on my credit report, late fee, to include the feel of harassment of trying every way possible to get them their money. A check as well as the attached letter is being ailed ot Comenity Bank, tonight. My wife is a XXXX  and a XXXX veteran. 

This is the second complaint to you in less tan two months. Comenity has been bashing our credit and reports. 

Let me know f the letter I sent to Comenity attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-14 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: DISCOVER BANK
State: TX

Complaint narrative:
I took my car to XXXX for repairs. The original estimate was $ 400+ when it was time to pick up my car it had changed to {$1400.00}. XXXX claims they made those repairs without my permission and expected payment. Well things escalated, police were involved and I was told we had to resolve on our own or the DA ( district attorney ) would have to decide if charges would be filed against me. Not wanting to face the possibility of jail, I used my discover card and signed under duress which I noted on every page my signature was required including my receipt. I disputed it with Discover but was told that because the company submitted reasons for the charges they sided with the company. My issue is that XXXX didnt do the repairs as indicated and fraudulently charged us without making the repairs on the invoice. I dont believe Discover reviewed my case correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have an offer for employment that requires a credit check with Experian. The background check must be initiated within 24 hours and to initiate the background check I must remove my credit freeze from Experian. 
I navigated to the Experian website and filled in all of the correct information and the " PIN '' number they had me set up when I initiated the freeze. I know I entered all of the correct information because I saved the information in a word document to ensure that it was 100 % accurate to avoid issues of not having the ability to life the freeze. I attempted today to life the freeze ( XX/XX/2019 ) and their system came back saying I needed to mail something in even after entering all of the correct information. As I do not have time to wait to mail something in, I tried calling. They do not have the option to talk to a live agent. 
All of this to say that Experian has made the credit freeze unjustifiably burdensome to use. When I unfroze my XXXX  credit it took all of 2 minutes as their systems worked properly. Same thing with XXXX. 
Please pressure Experian to create a system that is user friendly and not overly burdensome to the consumer. I know this is not asking a lot as the other two already have. Experian is effectively making credit freezes useless as if I need to be able to access the report in a reasonable time, I am not able to.

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 2019-08-14 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: AES/PHEAA
State: CA

Complaint narrative:
I am in the Public Service Loan Forgiveness Program. I have been working at either a 501 ( c ) 3 or government agency   since XX/XX/XXXX. In XX/XX/XXXX, I was working at XXXX XXXX XXXX 's XXXX XXXX, a nonprofit that represents XXXX in XXXX XXXX. I was hired at a new job working in the XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX. There I would be helping people who can not afford to hire attorneys with their court cases. My last day at XXXX was a Wednesday, XX/XX/XXXX. I took TWO WORK DAYS off between my old job and new job. My first work day at the XXXX was Monday, XX/XX/XXXX. 

My student loan payment has always been due on the XXXX of the month. In XX/XX/XXXX, that fell on a Sunday. As it happens, my payment was actually a {$0.00} payment since I made so little money at XXXX. Because my " payment '' was submitted on the XX/XX/XXXX, FedLoan Servicing now says that payment doesn't count toward my 120 on-time payments for PSLF. I think this is absolutely ridiculous given that I was employed at a qualifying employer for the entire month of XX/XX/XXXX( minus two work days ), and the fact that my payment happened to fall on the weekend between jobs should not be held against me. I have reached out to them both by phone and email, and asked that they solve this problem, and they refuse to do so. I am positive they could retroactively change the day my payment was due for that month in order to allow me to get credit for that month of payment, and believe that is the only fair outcome. There is no rule that says that payments must be due on the XXXX of the month, and the fact that my start date at my new job happened to fall on the XXXX should not be determinative of when I can request forgiveness of my loans, given my obvious dedication to the public interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I refer to the XXXX XXXX, and XXXX XXXX XXXX package dated on XX/XX/2019, Certified Mail Number:XXXX XXXX XXXX XXXX XXXX requesting original WET INK  contract from XXXX XXXX , and XXXX XXXX XXXX. Please be advised that XXXX XXXX, and XXXX XXXX XXXX did not answer my requests point by point as required by law. XXXX XXXX, XXXX XXXX  XXXX did not provide any proof to sufficiently satisfying there claim under U.C.C. - ARTICLE 3 -3-302 that you are a note holder in due course. XXXX XXXX, and XXXX XXXX XXXX  did not stipulate whether or not you were the holder in due course. XXXX XXXX, XXXX XXXX  XXXX did not stipulate whether this loan was securitized as required by law. Therefore, XXXX XXXX, and XXXX XXXX XXXX admits to  the following : 1.  XXXX XXXX, and XXXX XXXX  XXXX is not a real party of interest in this controversy. 2. XXXX XXXX, and XXXX XXXX XXXX are a debt collector and not the original creditor. 3. XXXX XXXX, and XXXX XXXX XXXX not having full and complete records of the alleged account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I refer to the CONDITIONAL ACCEPTANCE, and XXXX XXXX XXXX  package dated on XX/XX/2019, Certified Mail Number:XXXX XXXX XXXX XXXX XXXX requesting original XXXX XXXX contract from XXXX XXXX , and XXXX XXXX XXXX. Please be advised that XXXX XXXX, and XXXX XXXX XXXX did not answer my requests point by point as required by law. XXXX XXXX, XXXX XXXX XXXX did not provide any proof to sufficiently satisfying there claim under U.C.C. - ARTICLE 3 -3-302 that you are a note holder in due course. XXXX XXXX, and XXXX XXXX XXXX did not stipulate whether or not you were the holder in due course. XXXX XXXX, XXXX XXXX XXXX did not stipulate whether this loan was securitized as required by law. Therefore, XXXX XXXX, and XXXX XXXX XXXX admits to the following : 1.  XXXX XXXX, and XXXX XXXX XXXX is not a real party of interest in this controversy. 2. XXXX XXXX, and XXXX XXXX XXXX are a debt collector and not the original creditor. 3. XXXX XXXX, and XXXX XXXX XXXX not having full and complete records of the alleged account. 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 non-monetary relief