vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-19 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: NC

Complaint narrative:
Dear CFBP I am filing a complaint against TransUnion for failing to delete inaccurate information reported from various creditors. I wrote a very detailed dispute letter and provided full credit reports to display clearly the errors that were detailed in my writing. I received notification the dispute was complete so I pulled my report on XX/XX/XXXX to see the results. Unfortunately, they simply ignored the questions posed in my letter and did not provide documentation substantiating their position. As a result, I am requesting that you require them to fulfill their obligations under the Fair Credit Reporting Act. Please see my dispute letter which is attached to this dispute that details the errors and compare that to what the credit report is now saying. I am demanding the accounts in question which are both XXXX/XXXX accounts XXXX/XXXX account number # XXXX and # XXXX, XXXX XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX and XXXX XXXX XXXX   account number XXXX be deleted from my TransUnion credit. I have included an XXXX   credit report from XXXX the file from XXXX is corrupted but this file will work for purposes of this dispute. 

Thanks for you help in this matter, XXXX XXXX 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 2019-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
They first reported it to the credit bureaus. Then I received notice of this debt. I replied back that I have no knowledge of this debt. My XXXX account has a XXXX  balance. This is the third request for them to remove it from my credit file and send proof of debt. They have done neither. If they cant provide me with proof of debt it needs to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have received repeated letters from Resurgent Capital Services, addressed from XXXX XXXX XXXX, XXXX MI XXXX. They claim that I am delinquent on a debt from a XXXX XXXX XXXX credit card for a debt balance of {$1000.00}. I sent them a letter via Certified Mail indicating that I have never had any account ever with XXXX XXXX XXXX. I disputed the debt, it is not mine. 

I received a letter later with an account summary report for the charges from XXXX XXXX XXXX credit card. The account holder 's name is the same as mine, addressed in California. I sent them a letter via certified mail disputing this debt and informing them that the individual on this account is not me. I have a common name. They are contacting the wrong person. They have repeatedly sent me further letters demanding I pay the debt. I have repeatedly sent them letters via Certified Mail informing them they are contacting the wrong person. They have never once asked for verification of identity to make sure they have the correct individual. 

I have never lived in California. I have never had an account with XXXX XXXX XXXX. I want them to stop contacting me. I have pulled my credit report several times and confirmed I have never had an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Our company 's email account was hacked in XX/XX/2019. The hacker sent emails to our customer stating that our bank account number had changed. Our customer issued due payments against our invoices ( i.e. {$83000.00} & {$11000.00} ) to the fraud account by electronic funds transfer unknowing that these payments were issued to a fraud account. The fraud account was also an account with our bank, i.e. Wells Fargo Bank N.A. 

Wells Fargo Bank N.A. accepted the electronic funds transfer despite a complete disconnect between the beneficiary name and beneficiary account number. As the fraud account as well as our company 's accounts are Well Fargo Bank N.A.  accounts, Wells Fargo Bank N.A. knew that no person had rights as a beneficiary and acceptance of the subject electronic funds transfers can not occur. 

I have included herewith email correspondence along with corresponding document exchanges with Wells Fargo Bank N.A. requesting feedback on this error on their part. They are standing firm that beneficiary account name and beneficiary account numbers are not verified prior to wire acceptance. I believe this is willful negligence on part of the bank. Furthermore, I have repetitively requested Wells Fargo Bank N.A. to provide their Incoming Wire Security Procedure & Policy, but have been denied access even though our company is their customer. I believe this is willful deceit by the bank. 

Would appreciate if Consumer Financial Protection Bureau can review this issue and provide guidance in the matter.

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 2019-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
On Tuesday ( XX/XX/XXXX ) I applied for forbearance on my private Navient student loans due to flooding in Missouri ( natural disaster, state of emergency ). I was granted forbearance for 90 days which they told me started that day. We have auto draft and the payment was taken out of our account two days later, not sure why their system didnt put a stop on it. I called yesterday ( XX/XX/XXXX ) and they said they would issue a refund that would take 3-5 business days. I called today ( XX/XX/XXXX ) to confirm the refund was in process- over {$400.00} is a lot of money to just be sitting in limbo. The customer service rep told me today I had to submit my banking information. I told her the lady from the previous day said nothing about this. She apologized and then needed my banking information to process the refund. I told her she already had it because they auto draft our money every month. She then proceeded to tell me it would take 7-10 business days. I dont understand how this company is still in business. They have zero integrity, and their customer service is difficult to understand and does not give accurate information. This 90 days forbearance is suppose to be helping me, but instead is causing a huge headache and saving me XXXX money. I am a stay at home Mom of XXXX kids and pay over {$400.00} a month, how is this right? They offer no help, and one rep even suggested to switch carriers because there was nothing they could do to help me. As of now, I am calling my bank and issuing a refund because I can not trust that Navient put a refund on my account. This is a nightmare, and I understand why they are being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a 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 2019-07-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
When I stopped doing business with XXXX they claimed I still had some hardware that I never had ( TV boxes when I only had internet from them ). Since then they have been trying to collect {$320.00} from me which they reported to the credit agencies. I disputed the first report but they just withdrew it and re-filed it under a different collection agency. There now seems to be a pattern as it has been filed and withdrawn by at least 3 different collectors so far making it impossible to properly dispute.

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 2019-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX I contacted Wells Fargo Bank in order to refinance with cash out and lower the interest rate on an existing loan with them. My desire was to refinance the loan and cash out {$30000.00} which would have brought my new mortgage to about {>= $1,000,000}. My Wells Fargo representative was XXXX XXXX. On or around XX/XX/XXXX on a recorded line, I informed her that I had a mortgage foreclosure with Wells Fargo Bank that dispositioned in XX/XX/XXXX. She stated she had run my credit using my social security number and was UNABLE to find it. She completed my credit application using the information she found on my credit report. I never personally completed the application. The process proceeded with me submitting all requested documents and paying out of pocket expenses of {$540.00}. for the property appraisal. The property was appraised at $ XXXX+ on  XX/XX/XXXX. On XX/XX/XXXX, Ms. XXXX informed me that the Underwriter had located the Foreclosure dated from XX/XX/XXXX. My application was denied for refinance due to the Foreclosure. I inquired about refunding my money for the appraisal, as I had informed Wells Fargo early on that I had a foreclosure in XX/XX/XXXX. Ms. XXXX stated that my appraisal may still be valid by the time the seven year mark ( XX/XX/XXXX ) and that I may use the appraisal at that time. I told her that was foolish due to real estate being a very dynamic and volatile market. That appraisal is a dead document at this point. Not worth the paper it's written on. 
I reached out to Wells Fargo XXXX XXXX and XXXX XXXX and XXXX XXXX handled my case. I requested that my appraisal fee be refunded. My argument was that I told the Wells Fargo representative early on in the process that I had a foreclosure in XX/XX/XXXX. I could have avoided wasted anticipation, expectation, and most of all money if she would have informed me that I would not be approved based upon the recent foreclosure. 
Mr. XXXX sent a letter dated XX/XX/XXXX denying my request for the refund of the appraisal fee I paid. 
Wells Fargo has been in the news lately for their practices and missteps. I believe that I was wronged in this incident, and respectfully request that their business practices be investigated again. 

Sincerely, 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 2019-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Purchased what I thought were 2 extra small white tank tops. The person gave me a large so I had to return to the store to get the extra small they did not have in white so I was given black when I needed white. Victoria secret XXXX XXXX XXXX XXXX pa

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I faxed Equifax my identity info and proof of address and SS number to put a freeze on my credit due to identity theft and they replied to me with a letter stating that my credentials did not match thier records, therefore they suggested I send all my information postal mail so I sent it.on XXXX XXXX They sent me another letter stating that my records to add a freeze on a child did not match thier records. This is insane because I did not even mention anything about a child. It's obvious that Equifax is fraudulent and playing games with me. I need help with this travesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: EQUIFAX, INC.
State: PR

Complaint narrative:
On XX/XX/XXXX, I called to request a new service from XXXX. But, on XX/XX/XXXX I called to cancel the order since I did not recieve the product. Months later, around XXXX, XXXX, it appeared as a delinquent account with a balance of {$97.00}. On XX/XX/XXXX, I called to solve the issue directly with XXXX. It appeared on their notes that I did called to cancel the order, but they did not do it. Nevertheless, they adjusted the balance to XXXX and notified the undisclosed ( to me ) collection agency. 
The account was pulled out from my credit report, but a year later ( XX/XX/XXXX ) it appeared again as a derogatory account. I filed a dispute with XXXX and before the 30-days investigation period ended and without notification, they closed the dispute and did not solve the problem. They did not inform me of this action. On XX/XX/XXXX, I called XXXX to see what happened but they only said I had to file another dispute, which I did. 
After many calls and tries to XXXX to find the account and any information to supplement the dispute, on XX/XX/XXXX I finally got an answer. The account was archived so that is why it never showed up on calls. The information I was given is as follows : the account was fully cancelled on XX/XX/XXXX, that the balance was adjusted to {$0.00} and that it was reported to the collection agencies, and that the collections agency should have reported this in at least 90 days. But a year after, they reported it as derogatory. There is nothing XXXX can do according to the call since they reported it and it's the collection agency 's fault. But I was not informed which collection agency or how to contact it, and that they canno provide any deletion letter or any other documentation since the account is archived. 
The only thing left is to file complaints and supply letters with information I have collected through this year as evidence. This process has already affected me emotionally and economically since I was denied personal loans offers by two companies and can not apply to others with credit score minimum requirements

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: SD

Complaint narrative:
I had attempted to make a payment online, realized I paid the wrong amount, so I called they said they couldn't get online to cancel it I had to go through my bank. Went through my bank to cancel it. They said they would call me back the next day. No one called. 2 days later they send an email. So I immediately call. He said my manager listened on our call and was able to stop the payment then proceded to tell me how much they took out. I said you never called me back to get my consent on that amount and I didn't have that amount. I asked to speak to a manager who yelled at me and told me since I put my information online that they can take out whatever they want. I said that has to be illegal. He said no, he screamed at me said I'm not a customer and im not gon na tell him what to do. I asked if I can hear the recording. He said he would email it and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am in XXXX XXXX XXXX. Stage XXXX. I need a XXXX XXXX. I am on a XXXX XXXX machine 20 hours a week. I an unemployed I do not have employment income to pay a student loan. I attempted to make 5 payments with my savings. I no longer have savings. I could not have anticipated XXXX XXXX. Navient doesn't care. Navient calls 4 times a day to collect. No respect to my XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This Bankruptcy is over ( 7 ) years old and reports a {$0.00} balance. Reporting this line item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I spoke with XXXX college on XX/XX/2019, not only it was cancel but they removed the {$1000.00} and change it to {$260.00}. I was told from two reps that they were going to forward the updated amount of {$260.00} to XXXX XXXX, however Ability recovery is refusing to honor the amount from XXXX college. Also I disputed the information with XXXX, XXXX can back saying that the amount was updated. but it still showing the amount of {$1000.00}

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 2019-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
My home loan was formerly with Ocwen, however on XX/XX/19 PHH Mortgage services took over the loan. on XX/XX/19 i submitted a payment in the amout of {$1800.00} that was a direct withdraw from my checking account and PHH rejected the payment, they sent a check to me in the mail that was made out to them with my property address on the check with no explanation as to what the fake looking check was, I contacted PHH and was told that the payment went to " the wrong mailing address '' and could not get an answer as to why my payment was rejected. On, XX/XX/19 I then scheduled another withdraw from my account that was rejected again. i again called PHH and was told to send the payment by paper check to XXXX, PA so on XX/XX/19 i sent a paper check for {$1400.00} and it too was sent back to me with the reason being that it was not enough to cover the whole payment which by this point is now several months behind. I made another call to PHH on XX/XX/19 and was told that a packed would be sent to me in the mail for a possibility of a loan modification, due to the fact that i was on medical leave and was off of work without pay for 5 weeks. i am now back to work full time, explained that to the gentleman on the phone who asked several financial questions and stated that we did qualify for the modification and we still have not received anything in the mail. I am very upset with the thoughts that I could be facing foreclosure when I have made efforts to pay my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: CITIBANK, N.A.
State: IN

Complaint narrative:
Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by Citi Bank N.A, to XXXX, XXXX  and XXXX. I discovered 12 Errors on Each report. Which indicates that Citi Bank N.A. broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019 I sent to letters on Citi Bank N.A. via Certified US Mail, inquiring about the loans reported to my XXXX and two letter XX/XX/2019inquiring about the loan on my XXXX. They responded XX/XX/2019 Informing me that there were three loans, ( XXXX, XXXX, and XXXX ) that they were responsible for reporting on. I myself only discovered two loans reported to XXXX  and XXXX. What and where did this loan third loan come from and what is the information on it. They seem to very secretive. I wrote XXXX and XXXX  but certified Us Mail With Retuned Receipts on XX/XX/2019. These accounts have been removed from my credit since they were brought and consolidated. They need to be held accountable for breaking the laws.

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