vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have had a Home Mortgage loan with Wells Fargo for 12 years. My payments are due on the XXXX of the month and I make them on the XXXX of the month. 

Last month I got a notice that they were transferring my loan servicing to another company. The notice said the other company would reach out to me. Given the nature of scams these days, I was skeptical. I never received another letter about this from XXXX or the other company. No confirmation at all. 

I went to make my loan payment today and the Wells Fargo site said it was transferred. I called Wells Fargo and they confirmed. They could not help me. They did not know anything about how to handle my payment ( which is due now! ). How could they transfer my loan on the day the payment is due and not know how to help me? 

I called the new company and they said a welcome letter should go out in the next ten days. They said I could make a payment but they could not guaranty it would be applied properly. 

Why on earth would I make a {$3900.00} payment to someone I do not know!!! 

Now I am stuck not knowing what to do about my loan. I plan to wait for the welcome letter but I am concerned about my credit score and the interest that is accruing on my loan. 

I am also concerned about my tax reporting since Wells Fargo thought it was a good idea to do this in the last month of the year. 

This appears typical of Wells Fargo caring about their bottom line and not at all about their long term clients.

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 2018-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I was previously having my loans serviced by XXXX and was on a payment plan with a low payment for the year based on my limited income. I then switched my lender to XXXX as part of the PSLF program. Before switching I spoke to XXXX and was told I could continue with my existing plan at my current payment. After switching I was told I would need to resubmit a plan. I called XXXX again on XX/XX/XXXX and I was told again that I could continue with my previous payments but my plan would be changed in XXXX after tax season. Today I received an email stating I owed over {$2000.00} and after calling XXXX I learned that everything I was told was a lie and now I need to change my plan which will cause my interest to compound costing me thousands of dollars. XXXX directly lied to me to increase my student loan burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This is regarding collection from XXXX thru Resurgent Capital Services. 
My first response to correspondence was in XX/XX/XXXX. I have communicated with many different servicing agents regarding these accounts since. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. All of these companies state that XXXX owns these alleged 4 debts and I have asked for verification from all of them, again dating back to as early XX/XX/XXXX. 
These debts are listed as follows. 
XXXX XXXX {$3000.00} XXXX  XXXX {$2700.00} XXXX XXXX   {$590.00} XXXX XXXX {$1600.00} ( no response from Resurgent yet for XX/XX/XXXX inquiry so far ). 
I have asked for proof of the debt and original documentation with every request. I explained to them that they must have been " sold '' this debt and not have the paperwork due to the fact that I sent fraud claims to both XXXX  XXXX and XXXX XXXX   on both accounts. Instead of helping me with the issue, XXXX   XXXX and XXXX XXXX removed the entire accounts from my credit report AFTER the sent these debts to XXXX. XXXX can see my credit report and validate this. 
Now I have asked, written letters and repeatedly asked for validation with XXXX. The letter I attached to them dated XX/XX/2018, I told them that these 4 account were fraud and they ignored my requested and mailed back a " internal prepared '' statement by the servicer ( Resurgent Capital ). I have more documents than you care to read but have attached all supporting documents- except on the XXXX XXXX {$1600.00}, they have not responded to my XX/XX/XXXX inquiry for that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: ME

Complaint narrative:
I have disputed this collection account as identity theft, i did not open the account or have knowledge of any services done. I have faxed, called, emailed the ceo, and certified mailed copies of my identity theft report with no response.

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 2018-12-03 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: ID Analytics, Inc.
State: TX

Complaint narrative:
Report provided by XXXX XXXX to XXXX XXXX shows artificially low credit score due to nontraditional reasons. At the time of my auto loan inquiry with other Banks, my scores from the main 3 bureaus were XXXX, XXXX & XXXX. This company listed me at XXXX and could have negatively affected my chances at a better interest rate. They listed reasons such as " too few retail accounts '' and " limited history at address & phone ''. I have excellent residence history and have had the same phone number for 14yrs. 

In order to get a copy of their report, I need to send sensitive identification documents via fax or mail which is not secure.

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 2018-12-03 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: GA

Complaint narrative:
XXXX  XXXX XXXX  XXXX {$350.00} ( charge-off ) & XXXX XXXX XXXX {$860.00} Both accounts were settled ... 

I challenge the accuracy, compliance and reportability of this listing. 
grave errorsfalse claim and reportingI want these accounts rectified or removed immediately or litigation may follow, F.C.R.A. violation. 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-12-03 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: GA

Complaint narrative:
XXXX  XXXX XXXX  XXXX {$350.00} ( charge-off ) & XXXX XXXX XXXX  {$860.00} Both accounts were settled ... 

I challenge the accuracy, compliance and reportability of this listing. 
grave errorsfalse claim and reportingI want these accounts rectified or removed immediately or litigation may follow, F.C.R.A. violation.

Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: MO

Complaint narrative:
In XX/XX/2018, I received a notification of a debt appearing on my XXXX, XXXX, and XXXX  files by a company named Waypoint Resource Group, located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The information was pertaining to a debt with XXXX XXXX XXXX for {$1200.00}. 

I immediately attempted to contact WayPoint Resource Group by  phone and email correspondence. The representatives stated that they couldn't find an account using my identifying information. I responded that they have placed a collection on all three credit profiles so if they can't validate who I am, then to remove it. The agency was unable to locate my account. Therefore, I resorted to contact XXXX XXXX directly and found out that the account that this company is claiming to collect was opened by someone using my credentials and that it had already been paid in full and that I have no outstanding debts with them.

Waypoint Resource Group is guilty of a criminal offense of deception and attempting to collect funds not owed. WayPoint Resource Group made no attempts to contact me by phone, mail or email, they don't even know who I am. I am requesting that civil penalties be assessed against this company and that they be investigated immediately. I am also requesting that the credit bureaus delete this false information immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: ME

Complaint narrative:
I have disputed this account many times with no results, upon " verifying or validating '' i received a bill which does not meet FCRA requirements, i have emailed, faxed and certfiied mailed a copy of my identity theft report with no response. I am attaching that information as follows also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened an account with Citibank. The terms of the promotion were Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds  into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. I opened the account end of XX/XX/XXXXand deposited the funds on XX/XX/XXXX. I met the requirements by XX/XX/XXXX. The 90 day requirement finshed on XX/XX/XXXX. I contacted the bank and they opened a case. But not update afterwards.

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 2018-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I have asked that this debt be removed from all 3 credit reports. So far this company removed from 1 ( XXXX  ) but not the other two. This debt is fraudulent and does not belong to me. Please provide original signed agreement with my signature to prove this debt. I have proof of identity theft and will provide police document if necessary.

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 2018-12-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IN

Complaint narrative:
I had bed bugs in my apartment 3 years ago I was only in the apartment for 2 months & it was heavily infested I told the apartments because according to lease they is responsible for getting rid of the bed bugs they sent someone out who said they didnt see anything but I had pictures & all so they broke the lease agreement by deciding not to treat the bugs so I moved later down the line is when I tried to get an apartment I am unable to get 1 because all these charges they placed on my credit report so now Im XXXX all the charges they say was from things I left in the apartment well all them things had bed bugs so I couldnt take them to my next home they say I owe {$2000.00} Hunter Warfield Inc from XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
This debt doesn't belong to me. I have no knowledge of this debt collection whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I recently went to XXXX XXXX Puerto Rico on buisness and while there my phone was stolen. This was 4 weeks ago. When I returned home I immediately went to my branch bank ( Wells Fargo ) in XXXX, NC. to see if there was anything I needed to do to protect my bank accounts as I had been doing online bank business with my phone ( paying bills, transferring money between accounts ). The banker I meant with wanted me to change my PIN I used to access my accounts at ATMs. I did that. Then a few days later on line I seen unathurthorized transactions being charged against my accounts. I immediately went back to bank and told them about the problem. At that time they had me change my sign on name and password for online banking. This did not stop the transactions so I went back to bank with my wife and meant with a banker a 3rd time bringing with us transaction records I had printed from my on line bank records. The banker then called their fraud reporting people to go over some, not all transactions that I did not authorize. The girl never mentioned closing any accounts. As of now there is still unauthorized transactions occurring on my accounts and the bank has over {$10000.00} dollors of my money tied up that I can't access as they have froze all my cards and denied me access online at the same time charging me over {$1000.00} dollors in overdraft fees, interest on credit accounts and transaction fees for things I have had nothing to do with. The following day I went to get the money out that I could the intentions being to open another account with another bank. While standing in line waiting on a teller the branch manager confronted me saying I should have closed that account. This never given to me as an options in any of my previous meeting. I did not close the account at that time because I had my soc security scheduled to deposit in the next couple days. As of today I haven't been back to bank to see if my soc security has been deposited yet. I intend to do this asap with the intentions of withdrawing that money. Is there anything you guys can do to help me recover my lost funds and get reimbursed for for fees I should not have to pay..Thankyou

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 2018-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am on XXXX XXXX, my mother 's Santander Checking account to help her manage her finances. I opened my mail Thursday and read a letter dated XXXX from XXXX , her utility company, that said her bank account was frozen and payment had been returned. 

I went online and saw beginning XXXX XXXX that checks I've arranged to have automatic payment had a note " Forced check payment ''. 

I called the bank and was told that a man had called in XX/XX/XXXX asking questions about my mother 's account, so they froze the account. I appreciate the fraud department taking action to protect my mother 's finances. 

My concern is we were not notified that the account was frozen. No one called my mother or sent a letter explaining this. The person I spoke with in the fraud department said the bank does not inform the customer. It is the customer 's responsibility to call the bank. 

I asked her to check this policy since it does not make sense to me that someone would call their bank if they do not even know their account has been frozen or there was a fraud alert. I pointed out that credit card companies always inform you - why wouldn't the bank? 

Now I'm told I need to bring my XXXX year-old mother to the bank to open a new account and I need to contact at least 10 different providers that I have arranged to be on automatic payment to transfer to this new account. 

My frustration is that we were not notified of the fraud alert and that the account was frozen. 

I hope you can encourage the bank to contact customers whose accounts have been jeopardized by mail. 

Thank you for your support, XXXX XXXX on behalf of 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 explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have a Paypal Smart Connect account and also had a PayPal credit card which I was told were two different things. My credit card account was closed over a year ago because I never used it. However, I do have a balance on my Smart Connect account which I pay on time every month. Recently I noticed that the bank was consistently taking out a fee for {$47.00} on the credit card even though the card had been closed. I was told that I signed up for this security fee in 2013 when the card was obtained ; however, I have no recollection or knowledge of agreeing to pay {$47.00} a month. When I called about it I was told that I would be issued a check within 30 days for XXXX. That check was never issued to me. Instead my Paypal Smart Connect credit limit was dropped from XXXX to XXXX. A third party company named XXXX XXXX ( Synchrony Bank ) apparently took the money that they owed me and put it on my Smart Connect account, although my account has never been behind. Then I conveniently received a letter stating that my credit limit was dropped again conveniently by XXXX. They gave the reason as being I have a high debt to ratio even though I have not been late with any payments. Also, they do not know what has occurred in my life in the past year, and it is extremely insensitive that banks can bully and treat good customers in this manner. I feel as though the way the bank did this was underhanded and unethical. They took money from me every month to pay fees on a card that no longer existed. They never paid me back the money, but lowered my credit limit and took the money, claiming to have put it on my Smart Connect account which I did not authorize. In addition, my credit report does not show that XXXX came off of my debt. It shows that my credit limit is XXXX. Also, there is no record on my Paypal account that this payment was made. Even though this payment was made, the bank still required me to make another payment on my account of {$70.00} a few days after they received 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 monetary relief