vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 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: WV

Complaint narrative:
This problem started with the XXXX credit bureau and now has ended with me having the current trouble with the Experian credit bureau. The issue with XXXX was resolved. However EXPERIAN has not budged and has not took the steps to provide me with a full, true and complete investigation. I have also contacted the Creditor about the incorrect information via mail with no response! 
The below creditor has reported false and inaccurate information to all of the credit bureaus and EXPERIAN IS THE ONLY BUREAU THAT REFUSES TO DELETE THIS INFORMATION. Again I have requested the method of verification from the EXPERIAN credit bureau and the creditor XXXX  also know as XXXX AUTO AUCTION also known as XXXX XXXX also known as XXXX XXXX ( below are the dates and debt amounts that are listed on my Experian credit report that are false ). 
Please note that this business and it's owner has been in constant trouble with the law in XXXX Virginia for illegal and fraudulent activities, which has caused/ XXXX XXXX to change the XXXX  to XXXX  and have XXXX XXXX become the associated XXXX  XXXX. 

I have in the past had a rental property lease with XXXX XXXX in XXXX of XXXX, for a 12 month term for XXXX XXXX XXXX XXXX, VA XXXX. The rental agreement amount was for XXXX monthly. This was over 5 years ago and XXXX XXXX has this debt listed as an installment account with " XXXX ''. This lease was not signed under any XXXX. Also XXXX XXXX is reporting that this debt is currently late and its a lease account that has a current balance of XXXX. This lease was signed over 5 years ago so that certainly couldn't be correct. This man has this account on my credit as if it is still billing me monthly ( at the current time ) and I am XXXX past due. THIS IS SO FRAUDULENT, how is this even allowed. I have been affected by this financially because of this big negative factor. XXXX XXXX updated this balance just XX/XX/XXXX, but has yet to respond to my many letters. Also big big big thing XXXX. XXXX HAS THAT THIS ACCOUNT IS OPEN. This rental property was leased in XX/XX/XXXX. I have lived in several other places since then. How does a rental property lease stay open like that. I spoke to the XXXX XXXX virginia clerk and she was blown away. 

The information that he orginally reported to EXPERIAN was : XXXX was XXXX XXXX XXXX XXXX INSTALLMENT ACCOUNT OPEN XXXX A MONTH LATE XXXX THE AMOUNT TO XXXX A MONTH 180 DAYS PAST DUe but the date of the 1st delinquency was showing XX/XX/XXXX terms XXXX term monthly months revd 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 2021-09-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
We refinanced through Wellsfargo a month ago it finally closed. Throughout the whole process, there was confusion, lack of communication. 

The reason we are filing the complaint is, Wellsfargo made the decision to close our XXXX  XXXX XXXX line of credit without our permission, without informing us they were going to do so. We are now without a line of credit to work on our home. 

I made complaints within Wellsfargo, asking them to have XXXX  XXXX XXXX to re-open our loan. We are also hit with a early closing fee of XXXX from XXXX XXXX XXXX. All of this was done without our permission. 

Our complaints within Wellsfargo were responded to a lot of words that just said, 'sorry about that. ' That doesn't help us. Wellsfargo made a decision that we did not authorize them to do. I have emails and letters to support my complaint.

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 2021-09-10 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: PNC Bank N.A.
State: AL

Complaint narrative:
in XXXX I flagged a XXXX XXXX XXXX charge. XXXX reissued the card but never credited the charge back. Here it is in XXXX they are now saying I owe XXXX on card XXXX for a service I never received nor owe. Unfortunately I did not receive service from the vendor. Scrupulously bank practices attached are transcripts from XXXX and XXXX in trying to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Most Wells Fargo credit card users also have a checking account with the bank. When they make payment from their personal checking account by transferring to their credit card, the fund is deducted from their checking account right away but doesn't post on the credit card right away. It can take up to 5 days to show payment on the credit card. This is done in purpose to charge interest on the credit card while holding the fund in the bank 's account for cash-flow. This should be illegal and unethical holding customer payment while charging interest for what is already paid. This has been happening for a very long time and hopefully there is a way to stop it. 
This happens only on personal credit cards, for business credit cards they actually process it right away because they know business owners understand cash-flow and interest charge.

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 2021-09-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I am a victim of predatory lending with this Mortgage company ( Specialized loan servicing ) I requested XXXX times already to send me forms for another loan modification, I believe this company XXXX want to push me to loose my home in foreclouse because of the type of loan that they gave me. I wanted my payments to be low monthly and the company keeps increasing my monthly payments. I do not know what to do anymore because my XXXX XXXX is poor right now and I have problems trying to refinance with any company, I tried asking this company to send me forms to apply for another loan modification and they never send me the papers. Please push this company to finally send me the forms to apply for refinancing or to do another loan modification 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 2021-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: VA

Complaint narrative:
I received a call from Nationwide Recovery Systems stating I owe a debt of {$320.00} to XXXX XXXX XXXX XXXX. I contact XXXX XXXX and was informed that I owe them no debt, the rep further informed me that they do not use Nationwide Recovery Systems and they do not sell their collections. They use a Third party company, XXXX XXXX XXXX in XXXX, VA. 

When I spoke with the rep from Nationwide Recovery Systems, I disputed this debt, I requested that they send me a itemize bill with details and dates of service, signed Hippa form and a copy of my ID. I have never received these documents and Nationwide has not verified this debt. I received several alerts that this debt was reported to all three credit reports. 

Nationwide did not verify the debt, but law if I request verification and dispute the debt, Nationwide must provide. At this time I have received no such documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Corp Solutions Inc.
State: UT

Complaint narrative:
I started receiving calls from Credit Corp XX/XX/XXXX. Since I have never initiated contact I didn't answer the calls at first. They contacted me daily, occasionally twice a day. I finally called the number that called me, on XX/XX/XXXX to tell them they were violating privacy rights and to stop calling. I have received calls XXXX, XXXX, XXXX and today, XX/XX/XXXX. This is harassment and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: DISCOVER BANK
State: MI

Complaint narrative:
Discover financial services- Inquiry XX/XX/2021 This is a fraudulent inquiry on my credit report Ive been trying to get it off for months now I reached out to all 3 credit bureaus and the company about this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I submitted a complaint back on XX/XX/2021. 
I am not the owner of the account that is being referred to. This account is not mine, I have reached out to your company and left my contact number with Southwest Credit System

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
I have been going back and forth with Outsource Receivables Management about a debt they have attempted to charge me with. As we continue to go back and forth about us not having any association with the car being abandoned and towed. We sold the car in XXXX of XXXX. We have absolutely no ties with this car. I have been told that we are tired because we are listed on the registration then we proceed documentation that shows we removed the registration on XX/XX/2020. However, I was then told well I was towed to the VIN number because the people we had sold the car never registered the car. First off, no where does it state in the Utah Code for Motor vehicle that we have to have the new owners register the car. 41-1A-702 of Motor vehicle act states once you sign the title that the ownership is transferred.Once the car title was signed by XXXX and the new owner that was it. As well as when the car was found the police officer that came down reported that there was no further action required. We went above and beyond just signing the title, we removed the registration, removed the insurance, removed the plates before they took it, as well as reported the car as sold. Here is the documentation from the Utah State tax commission- Division of Motor Vehicles stating that we reported the car as sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have this account that is not mine and i want it to be removed. 

1. Identity Theft XXXX AND XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I received a payday loan from XXXX XXXX in XXXX, the account has been turned over to a debt collector, National Credit Adjusters. The balance owed was {$400.00} and I negotiated a 50 % settlement in the amount of {$200.00} which was paid on XX/XX/XXXX and my account was paid in full. Since then, NCA has reported to the Credit Bureaus that I still have a balance of {$200.00} and that it is late as of XXXX XXXX. I contacted NCA and spoke to a representative to resolve the issue and was told that they reported it as a balance. I explained to them that I have documentation showing that my balance is paid in full and that when they made the report to the Credit Bureaus they should've reported it as paid in full. This is unacceptable and its affecting my credit score. I am requesting assistance in rectifying this situation. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
My homeowner 's insurance was due on XX/XX/2021. PennyMac sent payment in the amount of {$4500.00} to my insurer on XX/XX/2021. They then subsequently sent another payment in the amount of {$4500.00} to an unknown insurance company. I have had the same insurance company for the past 3 years and have not changed insurance companies nor did I instruct Pennymac to send funds to another company. I have called and spoken to various individuals on the below mentioned dates. 

XX/XX/2021 XXXX XXXX, XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX 

On each of these calls PennyMac has given me the run around. On one of the calls the representative called the unknown company ( XXXX  ) and they informed myself as well as PennyMac that they returned the funds to PennyMac. PennyMac advised me on that call in XX/XX/XXXX that in 24 hours the funds would be returned to my escrow account. I called again on XX/XX/XXXX, and was advised that in 24 hours that funds would be returned. I called today at XXXX XXXX and the representative had put me on hold to investigate - when she returned to the call she appeared to not hear me and said " I need to call her back '' and hung up. She never called back. I called again at XXXX XXXX at this time this representative indicated that PennyMac is not responsible for my insurance. At this point I believe this to be theft in the amount of {$4500.00}. These funds were paid to PennyMac in Escrow and were removed without my permission and PennyMac refuses to reimburse me although they acknowledge the duplicate payment. They subsequently sent me communication dated XX/XX/2021 notifying me that I need to reimburse the Escrow account for the missing funds. I have requested on every single one of my calls that i would like to reimbursed for the funds that were taken out of my escrow account and sent to an insurance company for a policy that does not belong to me. On each call the representatives have acknowledged the mistake but refuse to solve the issue. My mortgage with the escrow payback is to commence on XX/XX/2021. It is unfair that I have to payback to PennyMac my own funds that they have taken. I am not sure what the legal recourse is here but i believe this to be unethical and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
i have contacted this company once i notice a negative remark on CR company has took no furhter actions on trying to assist me with this matter i have dipusted it company continues to call everyday and send invoices to family address i tired 1 last time reaching out to have them stop contacting me on XX/XX/21 @ XXXX i was adviced that calls will continue so basically i will continue to be harrassed regarding a debt that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I opened a new American Express platinum account in XXXX this year for regular expenses. Post my spending in XXXX, My statement was generated on XX/XX/XXXX. I paid this statement in full on XX/XX/XXXX as I assumed due date would be 30 days after statement. Amex not only charged me {$29.00} in late fees but an additional {$150.00} in interest charges based on a product called Pay over time. I never opted in for this product and was informed that it is opted in automatically. There is no way to opt out of this product on the Amex website. This seems to be an extremely deceptive practice where even payments made within 30 days of billing can cause interest charges, especially when a big part of the statement balance was just the fees assesed on the account. I would like this feature to be disabled. This should ideally be an option during signup to allow members to opt out of the program. Also, I would like the finance charge to be waived as I never intended to or intend to use revolve on the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
XXXX XXXX It was 3rd time talking ( 1 ; 30min/over the phone ) with them " apple credit card suport '', second time they said payment went throug so i closed account. 
after few days i received email that it didnt i call them again.she said payment didnt go through, i paid again.today i was checking my credit report, and i saw that the amount {$310.00} was still there.so i texted they said you didnt pay, after i prove to them with facts that i did and i got this response after more than 1h texting my credit report is fair, so please do something i have to renew the lease

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
There are 2 fraud accounts on my credit. The first account is Midland Credit and the second account is XXXX XXXX XXXX. I didnt open either of those accounts and I am requesting these accounts to be removed from my credit. Upon contacting Midland, they have some one else information linked to my name and social. 
In reference to XXXX XXXX XXXX, they informed me that someone opened an internet account in my name. 
I am not responsible for these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I called Capital Chrysler to ask if Capital Chrysler has received my pay off amount for my car loan. The gentleman indicated that I had a refund due back to me for overpayment of {$390.00}. The gentleman indicated that I needed to send a picture of my social security card in an email to help XXXX to receive the refund. He indicated that if I didn't send the email, I would receive my refund check the first week of XXXX. Then I called Capital Chrysler on XX/XX/2021 asking for the status of my refund check. The gentleman indicated that a check was sent on XX/XX/2021. Then I asked to speak to the manager because of the conflicting stories. So then I spoke with gentleman, badge # XXXX who indicated that a check was mailed out on XX/XX/2021 so this is another conflicting date as to when the check was sent. I would like this to be resolved so that I can receive my refund of {$390.00}. 

Thank you

Company response to consumer: Closed with explanation