vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I currently have a mortgage with Wells Fargo. I recently applied to refinance the mortgage with another company. The company informed me that Wells Fargo is not reporting my mortgage payments to the credit bureau. I found this very odd and called Wells Fargo to inquire. I had a bankruptcy which was XXXX in XXXX and my mortgage was in the HAMP program from XXXX to XXXX. Since then each time I call Wells Fargo the automated system tells me that my loan is in bankruptcy. For the last 10 years I have asked them why the automated system still thinks my mortgage is in bankruptcy when it was excluded from the bankruptcy. Each time I was told from a Wells Fargo representative that it's because my mortgage was part of the HAMP program. Today ( XX/XX/XXXX ) when I called Wells Fargo and asked why they are not reporting my mortgage payments to the credit bureau, they stated it is because I never reaffirmed the mortgage during the bankruptcy. They also stated, this is something your lawyer should have done and they were not responsible to notify me at all. So for the last 10 years while making my payments on time or early, they reported nothing to the credit bureau nor did they take the time to look into my account when questioning the bankruptcy message I hear on the automated system. I had even worked with their mortgage team a few years back to lock in my interest rate as a part of the HAMP program and not once did anyone mention that none of my payments were being reported. A supervisor XXXX XXXX said it is not their responsibility to inform me or a part of managing the account. She also said their are no controls in place to inform a customer that their payments are not being reported. My mortgage today still has a bankruptcy status and with that status, they shouldn't even be talking to me. Shouldn't this sound an alarm or ring some bell to a customer service representative when I call them at least 6 times a year to ask questions. If they shouldn't have been talking to me, why were they? And if they shouldn't have been speaking with me, shouldn't they have sent me something in writing to correct the issue? Or inform me?? So for the last 10 years Wells Fargo has hurt my credit by mishandling my account and not informing me or the credit bureau of my payments. If I hadn't made the payments or was late, there are processes in place to inform me ; however, no process in place to help manage my account properly. XXXX XXXX said she would open a complaint however, could not provide me a complaint number for a few days ... and I would have to call her back to get the complaint number. Well that's really horrible customer service at it's finest.

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 2019-12-17 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: FL

Complaint narrative:
It's not my accounts, i never sign any contracts or agreements to receive benefits, i was victim of Identity Theft.

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 2019-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been disputing inaccurate information that is on my credit reports. I started disputing information on XX/XX/2019. Since then I have also sent letters on XXXX XXXX, 2019 and XX/XX/2019. I have not received responses from the bureaus throughout the process other than TransUnion and XXXX  stating they will no longer investigate items on my report. They are clearly receiving my disputes, but not responding. I have included the letters I've sent to the bureaus as proof.

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 2019-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I have a SunTrust checking that has a pending garnishment from XXXX XXXX on XX/XX/2019. At that time I didn't have any access to my account online and I was not receiving any statements in the mail. I went to one of the local branches and spoke to one of the Account Managers concerning my accounts. At that time she said there was no pending fees, and if I any other concerns please stop by any time. My mind concerns at this present moment, I received a letter from the bank stating that I owe them {$110.00}. Where are these fees coming from. I have know knowledge of this unlawful activity.

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 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
we opened the capital one SPARK business credit card which advertised spend XXXX K in 3 months and will receive an additional XXXX of rewards. We spent the required amount, called to confirm that we met the criteria, was told on a recorded line that we WERE receiving the rewards. Then never received them. After 2 weeks of calling and being put on hold and being told they will make sure we receive it, we were told because a refund came through of {$45.00} ( unknown to us ) that the rewards will not be processed. We have been  back and forth with their customer service with NO HELP. They have no regard for small business and are fraudulent and misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
HARVARD COLLECTION SER accounts # XXXX Balances {$910.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: CA

Complaint narrative:
I have been disputing inaccurate information that is on my credit reports. I started disputing information on XX/XX/2019. Since then I have also sent letters on XX/XX/2019 and XX/XX/2019. I have not received responses from the bureaus throughout the process other than XXXX  and Experian stating they will no longer investigate items on my report. They are clearly receiving my disputes, but not responding. I have included the letters I've sent to the bureaus as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing inaccurate information that is on my credit reports. I started disputing information on XX/XX/2019. Since then I have also sent letters on XX/XX/2019 and XX/XX/2019. I have not received responses from the bureaus throughout the process other than XXXX  and Experian stating they will no longer investigate items on my report. They are clearly receiving my disputes, but not responding. I have included the letters I've sent to the bureaus as proof.

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 2019-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Flagstar Bank, N.A.
State: IN

Complaint narrative:
When XXXX XXXX switched to Flagstar in XXXX 2019 I entered the local branch to inform the bank I would be closing my account. The teller suggested that I wait to see if there were any reoccurring transactions for the month of XXXX to might come through before I closed the account. I had 2 transactions that came through and went to the branch to make a deposit of {$200.00} dollars to make the account current and close the account ( This was XX/XX/2019 ). It was my belief that this account was closed and everything was fine. Again this was XX/XX/2019. There have been no communications or anything from Flagstar. On XX/XX/XXXX, I received a call from XXXX XXXX XXXX XXXX, a debt collection firm, in an effort to collect a {$170.00} debt from Flagstar Bank. Flagstar was charging the account i wanted to close and charging me $ XXXX/day for 30 days. I paid the credit agency the money owed because I did not want anything on my credit and contacted Flagstar cooperate office for an explanation and possible refund. Cooperate office told em that the charges form the local branch should have been written of and at the very least should have contacted me. None of which happened. The FIRST and ONLY communications regarding an open account or negative balance ( because of monthly maintenance fees ) came from the collection agency. Cooperate office directed me to call my local branch to have the situation resolved. I spoke with an associate of the branch ans she said she would do research and get back with me. She called me back and had no answers for most of my questions. She could not understand why the branch had made no attempt to contact me. She indicated that there is no record of me entering the branch ( despite the fact I made a deposit in XXXX to cover the charges ). There are multiple issues with these banking practices. First, I never agreed to have my XXXX XXXX account switched to Flagstar. Therefore any of the policies that they decided to impose on me were not of my own free will nor do they have any signed documentation saying that I agreed to said policies. Secondly, I wanted the account closed, and it was never closed. Finally, the bank continued to charge my account fees and overdraft based on those fees. I did not charge anything nor was anything charged to my account other than the maintenance fees imposed by Flagstar. By no accord of my own, Flagstar over-drafted my account and then began charging me {$6.00} dollars a day for the next 30 days before selling off my account to a collection agency. In addition to malicious banking practices, they still have not explained to me how/why XX/XX/2019 is the first communication I received regarding any of 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 2019-12-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Activehours
State: NV

Complaint narrative:
I have contacted and informed Activehours Inc / Earning several times via their app chat requesting that they withdraw their loan from my XXXX XXXX Checking Account. I have XXXX XXXX XXXX XXXX set up in the app from which transactions may be processed. They took money from my old account, XXXX XXXX, which they should not have had access to, and in doing so caused an overdraft fee. I am requesting that Earnin return the {$50.00} back to XXXX XXXX XXXX  so that I will not be charged an overdraft fee. I am requesting that Earnin take the loan from XXXX XXXX XXXX XXXX XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I am a XXXX client in GOOD standing - I have NEVER been late on any payment. If I click on my portal access and review - EVERYTHING IS PERFECT. If I call their helpline - they ALSO CONFIRM that I am in good standing and NO OUTSTANDING AMOUNT. Yet keep on handing me over for DEBT COLLECTION on DEBT THAT I DO NOT HAVE. NOBODY can help me - and this is effecting my credit score severely! ( THE ONLY NEGATIVE REMARK ON MY CREDIT SCORE ) - I can not get vehicle finance ( or only very predatory ones ) - I believe I am an easy target since we are XXXX, and do not know the system well. PLEASE HELP! I've attached my statements for the last 4 months showing CLEARLY my payment history - and NO MONEY OUTSTANDING!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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's not my accounts, i never sign any contracts or agreements to receive benefits, i was victim of Identity Theft.

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 2019-12-17 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's not my accounts, i never sign any contracts or agreements to receive benefits, i was victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: MI

Complaint narrative:
To: EquifaxXXXX XXXX XXXX, GA XXXXTo Whom It May ConcernI am writing to dispute the following inaccurate information that appears on my Credit report. My rights under FCRA Sec 611(a)(2)(A). Apparently someone with similar name to mine filed bankruptcy and it appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with similar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report.I Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with debtor’s full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately.I received dispute results please contact Public Record Information This section includes public record items obtained from local, state and federal courts through a third party vendor, XXXX. i have approved from XXXX no public record. I have provided evidence to get these accounts removed (Case No: XXXX)1-Letter from United States Bankruptcy Courts does not provide any information to the credit reporting agencies                                                                                                                                                                          2- Letter from XXXX   Bankruptcy public record Deleted On 08/2019                                                                   3- Credit report from LexisNexis on XX/XX/2019 no Bankruptcy public record                                                  4- letter From XXXX they open manual dispute to Equifax no Response from Equifax.                                                          Please delete these items as soon as possible I look forward to your response.XX/XX/2019Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX                                                                                                                                                     Tel: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
HARVARD COLLECTION SER accounts # XXXX XX/XX/2019 Balances {$2000.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCE CORPORATION
State: SC

Complaint narrative:
This phone number is called at least 5 times a day. Today XX/XX/19, there have been 8 phone calls before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc.
State: NJ

Complaint narrative:
I had severe XXXX XXXX pain which I was not aware about it before on april 1st and hence I went to nearest clinic urgent care from my work place. Now this place doctor was so XXXX  and rude and XXXX  he behaved in such a manner that anybody in this world shouldn't receive treatment like this in their worst moment. Thank god the nurse on that day was so nice she gave me XXXX  before I run away from this urgent XXXX XXXX XXXX. I had to go XXXX hospital near to my home and get everything done. Now this doctor charged me and insuarnce paid him including my part as deductible even though very same day XXXX XXXX I called and told them to not to give any single penny because of his behavior. I again called XXXX  to tell them this doctor has put on my credit debt and trying to collect my deductible by Remex Inc, so XXXX  called me back and said they are reviewing my case by their own physician as many of the test that are filed by this doctor are false. XXXX  gave me reference number XXXX to give to Remex Inc debt collector so as to tell them until and unless the review is completed they can hold my debt which is XXXX$ deductible so as to not to ruin my credit. And this is not about the money this is about the way doctor behaved to me while I was XXXX  down on the floor and was not even able to XXXX  properly he came inside and just started yelling on me. I even asked the nurse for another doctor but there wasn't any. Remex inc against whom I want to file the complain as they are trying to please their client while collecting the debt emphasizing on the deductible part whereas currently the claim is under review by XXXX physicians. Unless resolution comes which is either my side or doctor's side they are not suppose to collect anything and I even said I can tell my insuarance company to send you the letter but Remex Inx's supervision Ms. XXXX  was not ready at all to listen and trying to emphasize they dont care and they have to retain their client like this doctor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ascendium Education Group
State: TX

Complaint narrative:
ASCENDIUM COLLECTIONS has violated the FCRA by RE-AGING accounts AND reporting misinformation to credit bureaus which affected my credit scores, my financial life and my family 's life for over 2 years now.

Below are the inaccuracies which I have complained to credit bureaus about as well as ASCENDIUM and no one is taking this matter seriously. I have requested multiple times for them to prove this debt belongs to me and to correct my report and all I get is avoidance. 

Please see my credit reports as well as the items I have addressed with them below. 

A scendium XXXXYou are reporting that this account is a Charge Off and that there is a Balance and Past due amount of {$17000.00}? It can not be both. You are reporting date last active as XX/XX/XXXX and date of last payment was XXXX of XXXX. No payments have been made to this collection account ever. XXXX is showing date last active is XX/XX/XXXX and date of last payment was XX/XX/XXXX. It can not be both. This account is being RE-AGED also and is illegal. 


XXXX XXXX AGAIN, with this account you are reporting that this account is a Charge Off and a Past due amount of {$15000.00}? It can not be both! You are reporting date last active as XX/XX/XXXX and date of last payment was XXXX of XXXX. No payments have been made to this collection account ever. Equifax is showing date last active is XX/XX/XXXX and date of last payment iss XX/XX/XXXX. It can not be both. This account is being RE-AGED also and is illegal.

Company response to consumer: Closed with explanation