vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello CFPB. Im a victim of fraud, please forward these documents to Capital One. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
Portfolio Recovery Associates has placed a collection account on my credit reports for a credit card that I never had. I didnt know if it was identity theft or if it belonged to my father who is now deceased who had the same name. However I never had a capital one credit card. Nor did I ever use one. Ive been fighting thiS with XXXX XXXX for years! They never removed it. XXXX  XXXX sold it to portfolio recovery Associates. I I do not owe XXXX  XXXX nor do I owe portfolio recovery associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
On XX/XX/XXXX, I used the Citibank online app to make a payment. The app stated that there was a problem with the system, please resubmit. I resubmitted per the instructions given. I then failed to notice that the payment had been charged twice until the second one bounced. On XX/XX/XXXX, I made a payment and again had a problem with the app. This time, the payment was pulled from the wrong account and again bounced. Finally, on XX/XX/XXXX, having moved some funds around, I made another {$500.00} payment and had the exact same experience, the website said resubmit, I did, and it double-billed me. This time, I caught it because of the generally miserable experience I had been having with Citi. 

Regarding the payment on XX/XX/XXXX. The funds were removed from my account on XX/XX/XXXX. They still have not been credited to my account and Citi states that it is because of the prior payment issues. I can understand holding credit until they are certain the funds are available, however, to hold my funds for more than a week after they have been received at Citi through the ACH process is simply unacceptable.

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
Consumer complaint received 2020-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MO

Complaint narrative:
On XX/XX/2020, I initiated a wire transfer by telephone contact with Western Union ( " WU '' ). I provided the WU agent with my XXXX XXXX checking account number, the appropriate XXXX XXXX routing number, and my XXXX XXXX debit card information. The WU agent confirmed my information as accurate, and immediately caused my account to be debited {$220.00}, which included a {$19.00} for WU. The remaining {$210.00} was to be wired into my checking account. On XX/XX/2020, XXXX attmpted to debit my XXXX XXXX Checking account but as a direct an proximate result of WU 's negligence, the XXXX debit was not successful and XXXX XXXX charged my account a {$35.00} " NSF '' fee. It turns out that WU caused my funds to be wired to the wrong " code city '' as well as the wrong company -- - XXXX XXXX XXXX XXXX. I do not have any account with XXXX XXXX XXXX XXXX. I immediately initiated a claim with WU, and I was informed repeatedly by several WU employees and Managers, including, but not limited to, " XXXX XXXX '', " XXXX XXXX '' and more recently, XXXX XXXX Executive Resolution Specialist. Ms XXXX instructed me that she would be the sole point of contact, and yet she refused any significant assistance, and went so far as to state that she " had no idea '' how long it would take to receive my refund AFTER WU receives the funds from XXXX XXXX XXXX XXXX. In any event, each and every one of the WU agents were adamant that WU had NOT received my funds from XXXX XXXX XXXX XXXX ( despite the fact that such was a lie ) and that the only thing that WU could do would be to send another email request to XXXX XXXX XXXX XXXX  seeking authority to provide me with a refund. My own investigation revealed that on Friday, XX/XX/2020, XXXX XXXX XXXX XXXX  had indeed wired my {$210.00} to WU in a " Bulk Transfer '' and the proof of my refund is included in XXXX XXXX XXXX XXXX  spreadsheet, Sequence # XXXX. It is my belief that WU is engaging in a pattern and practice of unlawfully withholding customer refunds for inordinate amounts of time, while earning interest on these funds, while lying to WU customers. There i simply no reason, in this era of electronic transfers and overnight clearing that my {$220.00} should not be released to me immediately, as quickly as WU removed the money from my account. Please investigate these claims. I thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: PA

Complaint narrative:
XX/XX/2020 received a " balance verification '' notice from TekCollect regarding an old internet provider, XXXX XXXX, suggesting I owe a balance of {$110.00}. My account with the internet provider actually has a credit due of $ XXXX. Attempts to contact TekCollect were unsucessful, no answer, XXXX. Long wait/hold time to speak with XXXX 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 2020-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Received 2 1099-Cs for XXXX One in my wife 's name and one in mine. This loan was payed off in full in 2019 and there was NEVER any cancellation of debt. Called and spoke with customer service. She was professional and polite and started talking about having a modification etc. which I never had. She confirmed with their loss mitigation department that there was no modification in the past. She sent an email to the department responsible for sending out tax notices. I'm filing this complaint to put it on the record that this has happened in case it is a systemic issue at Wells Fargo affecting other people. Given Wells Fargo 's history of deceitfulness and lack of integrity, I felt it necessary to immediately file this complaint. Also, as a person who has completely paid off what started as a XXXX dollar mortgage in a shade over 15 years and prideful about that accomplishment, just the mere insinuation that I was ever in default of any kind is a direct offense to me, and further substantiates why I will never do business with Wells Fargo again. Way to go on accusing a timely paying customer of having a default and cancellation of debt.

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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NC

Complaint narrative:
This was original complaint, the company answered but never researched as stated, if so, they would have gotten the same letter I did which shows this accident someone else and not me. I am attaching new evidence. 

I attempted to get insurance for my car through XXXX XXXX, and the rate quoted during quote was lower than when I went to check out. It stated I had an accident with injury on XX/XX/XXXX that I was at fault over, I talked to service person and they confirmed and gave me phone number and Reference number # XXXX. I contacted LexisNexis ( XX/XX/XXXX ) and over the phonean automated system took information and was going to send me a report which I still haven't received. Couple days later I contact LexisNexis again and talked with a lady who stated I had this on my report but with no injury and that it was an accident with a travel trailer that belonged to my ex wife in which she ran it into her house backing it in. I gave the lady from LexisNexis all information AGAIN and she was going to file a claim to remove. On XX/XX/XXXX I received a letter stating they can't find a file matching mine. So I tried to get XXXX XXXX again thinking it had been removed, but still shows against me. At this point I don't know how much extra I have paid since XX/XX/XXXX due to this and now they're playing games stating they have no information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a collection account that i have no knowledge about and have no contract with. I have disputed this account numerous times with transunion, XXXX  and have not had any results based on information i have submitted. 

They have failed to respond to me within the time period allowed under FCRA act. 

There should also be no balance being reported on a collection account which means it should be deleted as not being reported accurately

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 2020-01-27 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: CA

Complaint narrative:
NUMEROUS TIMES I HAVE REQUESTED EQUIFAX TO REMOVE THE FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT. I HAVE CONTACTED THE CREDITORS DIRECTLY THEY HAVE INFORMED EQUIFAX TO REMOVE THE HARD INQUIRIES FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I send 2 letters disputing inaccurate information on my credit report and they never responded within the 30 days like the law require

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: CA

Complaint narrative:
This is a collection account that i have no knowledge about and have no contract with. I have disputed this account numerous times with XXXX, equifax and have not had any results based on information i have submitted. 

They have failed to respond to me within the time period allowed under FCRA act. 

There should also be no balance being reported on a collection account which means it should be deleted as not being reported accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
We have been responsible homeowners since XX/XX/XXXX, owning our first home and selling it in XX/XX/XXXX with proceeds of {$25000.00} applied to your second home which we currently own. When the Great Recession hit, we kept our jobs and continued to pay on the house. We had an 80/20 mortgage, with the first ( $ XXXX ) handled by XXXX and the second ( $ XXXX ) for a total of $ XXXX by XXXX XXXX XXXX in XXXX. Our loan was temporarily lost by XXXX then rediscovered during the financial crisis. 

We received a modification by XXXX. We continued to pay XXXX all along. Both loans were eventually sold to Shellpoint. 

We paid both regularly until XX/XX/XXXXwhen I was laid off from my job after 13 years, after having to train my XXXX year old co-worker in. We continued to pay despite the financial hardship and Shellpoint worked with us. In XX/XX/XXXX, Shellpoint granted us a modification of {$210.00} which we thought included both loans and gave no indication otherwise. We accepted although our payment was increased to cover missed payments, therefore making things even harder. 

In XX/XX/XXXXwe decided to sell and move as homeownership was deemed too unfair and granted no reward for trying to do the right thing. The market in our neighborhood was on the high upswing and our house went from being under water during the recession ( valued at {$140.00} ) to {$260.00} or more in XX/XX/XXXX. All other houses and owners were getting proceeds from sale. On the day of the closing ( XX/XX/XXXX ), the realty company ( XXXX XXXX ) told us we were underwater plus owed Shellpoint {$11.00}. Shellpoints payoff required $ XXXX on the primary loan including $ XXXX in fees and deferred principle, plus $ XXXX on the second loan, requiring total payback of $ XXXX. This is far in excess of what we purchased the property for initially for in XX/XX/XXXX,  and absent of any equity in 13 years living in the property! Moreover, at the time of sale, our first mortgage, which had been paid down to $ XXXX had $ XXXX of principle added to it by Shellpoint during the modification, unbeknownst to us, while the second loan was at about $ XXXX after 12 years of steady payment i.e. no reduction at all. We decided not to sell as this seemed an egregious act of deception and mortgage manipulation as well as placing homeowner at a complete disadvantage financially. We have been under a forbearance by Shellpoint until XX/XX/XXXX. This is an intolerable situation and manipluation of homeowners. Sincerely, XXXX and XXXX 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 2020-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ECMC GROUP, INC.
State: GA

Complaint narrative:
I have been XXXX, in and out of the hospital and in homeless veteran programs trying to survive. My storage locker was auctioned in a storage locker auction. Since that time I have been the victim of identity theft and homeless. I have been living out of friends and families homes. I am currently working with the XXXX XXXX Hospital now to put my life back on track. 

My income is only my XXXX XXXX XXXX XXXX XXXX compensation of XXXX a month. I have dependents XXXX small children. I am on public assistance ( welfare ). I need help and would like to have the opportunity to rehab my defaulted student loans. 

I have called numerous times but never a resolve or help. I actually got a rep to tell me instead of rehab they would take my military XXXX and I would still have a debt. 

I was told on another occasion rehab for default student loans was not a guarantee and just because I was homeless didn't mean they were going to do anything. 

So instead of wasting postage stamps I am on this platform hoping for a better solution.

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 2020-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I mailed in dispute letters to the three credit agencies XXXX, TransUnion, and XXXX  to have them make the necessary corrections to my credit reports. I mailed the dispute letters on XX/XX/2019 and I have not received a response from them yet.

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 2020-01-27 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: TN

Complaint narrative:
I mailed in dispute letters to the three credit agencies Equifax, XXXX, and XXXX  to have them make the necessary corrections to my credit reports. I mailed the dispute letters on XX/XX/2019 and I have not received a response from them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I have contacted citizens Bank several times over the years regarding student loan payment. I see the bank has filed a lawsuit against me regarding. My uncle who has been deceased since 2017 co-signed and Im not able to make the payments required. It was originally a predatory loan that was approved. I need to get to bottom to this asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/2020 at XXXX XXXX, I received an e-mail from Discover stating they cancelled my account effective immediately. They stated they tried verifying my personal information, but they never contacted me. I called Discover and I told them that I never received anything in the mail, by phone or e-mail. They said they tried calling me a couple times on a phone number that isn't even mine. They said there is nothing they can do and my account will remain closed. I have had an account with them for years and they never did these verification reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: NV

Complaint narrative:
My debit card was hacked on XXXX.2020. I received a text from the bank asking if a charge in XXXX, Fl for {$790.00} was me. I wasn't and It was immediately shut down. At that time I only saw one fraudulent charge. The next day I went to get cash out and there was nothing in either my checking or savings account. I looked online to see what the problem was. There were two fraudulent charges. They only notified me of one. I found out at that time that they paid the first fraudulent charge of {$670.00} which they didn't tell me about. I called customer service to inquire why they didn't tell me about that one and why they paid it. I asked for provisional credit and they refused. I live on SSI and they took everything I had. I begged for them to understand this with no results. I waited a few more days and called again. Again, they didn't care that I had no money and said that I would have to wait the 7-10 days. Today I XX/XX/2020 and I still don't have any money. 
How can they do this to people. I very angry with this bank and feel this is unethical.

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 2020-01-27 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: CA

Complaint narrative:
I have disputed errors on my EXPERIAN credit report for over a year. Each time either nothing happens or small details are changed. Experian has inaccurate information reporting on an account from XXXX XXXX XXXX. This account was allegedly CHARGED OFF in XX/XX/XXXX with a balance of XXXX. In a recent copy of my credit report I noticed that the account balanced had change to XXXX in XX/XX/XXXX. 

I disputed this information recently for 6 months straight and have notice the amount jump back and forth from XXXX to XXXX. 
On the updated copy of credit report that I received XX/XX/XXXX the account balance shows XXXX and in another section for XX/XX/XXXX it shows XXXX. 

There is no way I am acquiring new fees to an account that was charged off in XX/XX/XXXX so, the account balance should not be constantly changing. I have disputed for over a year. I have asked for the method of validation for these amounts and they have yet to produce this information. Instead they continue to supply false information on my credit report. 

This inaccurate information that they refuse to fix has indefinitely harmed me for years. I want this account deleted immediately from my Experian credit report. I would also like this defaming account to be removed from my XXXX  & XXXX  reports please.

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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Credit card was issued to wrong address and credit company reissued another card to corrected address on file. Previous Credit card account was never deleted from credit report. in fact, credit card company reported account closed with a balance on it. Ive tried disputing account off of credit report and credit card company did not remove account.

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