vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am still having issues opening a Wells Fargo Bank checking account after Wells Fargo Bank has informed me by U.S. mail that they would have the consumer reporting agency XXXX XXXX XXXX to delete all adverse information from my consumer report with XXXX XXXX XXXX. I tried to open a Well Fargo Bank checking account online in XX/XX/2020 and was denied, even after Wells Fargo Bank told me they would submit information to XXXX XXXX XXXX to delete negative information from my consumer report. I feel like Wells Fargo is discriminating against me because of my race and me having my previous debt with Wells Fargo Bank discharged under Chapter XXXX on XX/XX/2020 in bankruptcy court with the United States District Court-District of Minnesota.

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 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc.
State: OH

Complaint narrative:
I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE and Assignment of Debt. 

Please provide the certified mail with receipt, which show I was aware of this debt. 

There are violation of the Fair Debt Collection Practice and Fair Credit Act Account : ASSOC CREDIT SERVICES # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under Convergent Outsourcing and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as Convergent Outsourcing had not responded nor was the account reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.

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 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a TJX Reward masgtercard thru Synchony Bank for several year Alway pay my balance fully each month. My fico is XXXX Last month XXXX I receive my bill an realized that i didn ; t pay the month before so i had a late fee and a new balance for this month totallly aprox XXXX. I realized that I paid my XXXX  card by mistake ( I pay all my cards thru bill pay at XXXX XXXX XXXX and XXXX  was on top of TJX  card so you see why i made this error ) I immediately on XXXX I call TJM  card or Synchony Bank, I told them i would make the XXXX immediately and they saidd they would remove the late charge. I paid on XXXX {$18000.00}, XXXX in nstead of {$1800.00} by mistake, another error on me leaving a credit of {>= $1,000,000} at Synchony bank. they told me they could give me my money until XXXX XXXX. I called today and they closed my card for for High risk. They srre still not clear on when I anm getting my overpayment back. I have never held a balance or have been late. They still havn '' t return my credit. My concern is that they are using high risk as a reason for closing my card and contactingg any of the bureaus with this information, Maybe because i dont hold balances, i really dont know. When I ask to a supervsor, there was none avasilable. 
At this point I want my credit refunded immediately, proof that there are no derogatories on my credit and a clear reason my card was canceled. 

Appreciated

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 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In late XXXX, I contacted Chase Bank to inquire about re-financing my mortgage to lower my rate and take out some equity. Even with the new amount, I would have lowered my monthly rate by {$10.00}. I have been with Chase about 18 months and never had a late payment. I have a XXXX credit score and my wife has a XXXX score. They said I could do it but, would have to have 18 months of payments in my savings account and charge an additional {$500.00} for processing fee. I am XXXX years old and my wife is XXXX. We wanted the money for some home repairs and pay off some bills. Chase is discriminating against middle income people. Plus, they get re-financing substitutes from the federal government. Can yu help with this problem. Oh, I am also a veteran - Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX e-mail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc.
State: NY

Complaint narrative:
Having already submitted a complaint on this issue to CFPB ( Complaint # XXXX ), the company 's reply is a simple untruth. 

I had received a direct deposit on XX/XX/2020 for {$500.00} and thus am eligible for the said promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I submitted the paperwork for the debt showing and explaining that I did not authorize those charges. I also submitted the paperwork showing that I had to file a lawsuit to collect the debt along with the bankruptcy that was filed dismissing my judgement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I filed a Police report. 
The Bank also said they did not care about the fair and debt collection practices law of 1973

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service Company, INC
State: TX

Complaint narrative:
COLLECTION COMPANY NAME. CREDIT SERVICE. DATE OPENEDXX/XX/XXXX WITH COLLECTION. FIRST REPORTED XXXX.ORIGINAL BALANCE : $ XXXX.RECENT BALANCE {$1400.00} AS OF XXXX.THIS COMPANY CONTINUES TO REPORT ON ALL THREE OF MY CREDIT REPORTS INTEREST ON THE ORIGINAL AMOUNT $ XXXX.THIS IS A MEDICAL BILL, NOT A LOAN. THEY CAN'T ADD INTEREST ON A MEDICAL BILL. I'VE DISPUTED THIS SAME ACCOUNT MULTIPLE TIME WITH THE CREDIT REPORTING AGENCIES. THE DISPUTE PROCESS IS SUPPOSE TO BE 30-60 DAYS FOR VALIDATION TO BE DONE. I'VE DISPUTED THIS AGAIN A COUPLE OF DAYS AGO AND IT HASN'T BEEN 30-60 DAYS. I RECEIVED A MESSAGE ON MY CREDIT REPORT WEBSITE THAT REPORTING AS ACCURATE INFORMATION. IT'S LIKE THE CREDIT REPORTING AGENCIES ARE NOT DOING A FULL INVESTIGATION. THIS INFORMATION IS TRUE ... I CALLED THERE OFFICE TODAY XXXX TO VERIFY THERE ADDRESS, THE ACCOUNT # XXXX AND GAVE MY LAST OF MY SSN THEY PULLED ME UP IN THERE SYSTEM. DON'T LET THEM TELL YOU THAT NO RECORDS ARE FOUND ON ME THERE LIARS! 

" NOTE THE ORIGINAL CREDITOR I NAME IS XXXX XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am in a mortgage modification with the criminal company Wells Fargo, the terms of which was fraudulently represented to me, and have tried every remedy to change the situation, to the detriment of my physical, mental and financial health. The most recent indignity was the shocking experience was to find out that the complaint to their executive offices ( with a reference # ) which was mysteriously withdrawn for no reason. The rep helping me today was genuinely shocked and in and promised to escalate a new complaint. 

I am being stonewalled at every attempt to resolve this, by paying off or paying down or refinancing at a lower interest rate that I deserve due to my good credit and payment history, but get runarounds, form letters and some erroneous correspondence that has nothing to do with my inquiries or concerns. 

My paperwork is very organized when you need more details and figures. 
I have contacted lawyers, legal aid, bar association, etc. Our local town affordable housing rep has been of no help though I have made her aware of situation. I refuse to be taken advantage of any more.

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 2020-11-13 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I just checked my XXXX credit report and have found a couple of unauthorized inquires I would like removed ASAP. I respect accurate reporting and need these inquiries removed per FCRA standards. 

Inquiries to remove are as follows : XXXX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX and XX/XX/2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX- Account number XXXX. 
In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

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 2020-11-13 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: NY

Complaint narrative:
as Experian was previously notified, I am a victim of identity theft. PLEASE stop telling me that i am not sending in my on complaint to the CFPB and to Experian. Please look at the information that i have sent. thank you

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 2020-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Kept receiving phone calls regarding my student loans and possible loan forgiveness. The calls kept coming from a XXXX XXXX at : XXXX, XXXX with a callback number of : XXXX I called them back on XX/XX/20 and spoke with someone named XXXX XXXX XXXX XXXX ) He said he was a student loan forgiveness consultant, for a Revised Pay as You Earn Program by the Dept of Education and could provide complete loan forgiveness options after 4 monthly payments of {$240.00}, then it would be a XXXX balance monthly for loan forgiveness. 
He logged into my Navient acct and provided me a temp password and gave incorrect loan info ( I have since changed my password on Navient ) He knew my social security number, and other identifying information which was concerning, I never provided it, however I did confirm that it was correct. 
I asked for a website to reference, and he gave the something called XXXX ( which is now an invalid url ) Told him I'd look into it and call back in a couple days ' time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I just checked my XXXX  credit report and have found a couple of unauthorized inquires I would like removed ASAP. I respect accurate reporting and need these inquiries removed per FCRA standards. 

Inquiries to remove are as follows : XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CAP ONE NA Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13 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: AL

Complaint narrative:
In XXXX and XX/XX/2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX. 
In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

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 2020-11-13 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: AL

Complaint narrative:
In XXXX and XXXX XXXX XXXX, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX. 
In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CBC Companies, Inc.
State: MN

Complaint narrative:
Innovis informed me previously by U.S. mail that they deleted the following fraudulent accounts from my consumer report : XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX/XXXX XXXX # XXXX. The fraudulent accounts are still listed on my Innovis Consumer Report. Furthermore, I requested for Innovis to Opt In for me to receive pre-approval offers for credit in the mail, and Innovis still have Opt Out on my consumer report. Innovis is in complete violation of the Fair Credit Reporting Act ( FCRA ) under federal law. Innovis is continuing to violate the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JP RECOVERY SERVICES, INC.
State: MD

Complaint narrative:
I have been receiving harassing and repeated telephone calls on a daily basis from an unknown entity. The unknown entity used caller id spoofing in order to deliberately falsify information transmitted to my caller id to disguise their identity. The unknown entity used Maryland area codes and numbers in order to make it appear the calls were being generated from a local number. After significant research I discovered the calls were being generated from a JP Recovery Services located in XXXX XXXX, Ohio. The most recent call came from XXXX XXXX XXXX XXXX. According to their website they are " [ a ] nationally licensed team of healthcare professionals [ that ] works with hospital systems, physician groups and private practices to achieve optimum recovery on any type of account. '' Furthermore, they " integrate cloud-based technology, analytical recommendation software, and multi-channel communications to assure that we are offering the best options to patients. '' It also appears that XXXX ( a credit reporting agency ) is a technology partner. To date, I do not have record of receiving a written validation notice from JP Recovery Services regarding any alleged debt owed and my rights to dispute the validity of such alleged debt. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
Collection was placed on my credit report. Contacted reporting agencies to dispute information. Sent a debt validation directly to the reporting agency but no response. Reporting agencies did not resolve the issue. I was a victim of identity theft within the last 7 years and this might have been a residual effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: KS

Complaint narrative:
I had sent my my friend some money to his account from my Netspend XXXX XXXX by XXXX XXXX XXXX XXXX. I filed a duplicate payment dispute and they denied my claim but then they still deducted from my friends account in which his account then became negative. I have not been credited to my account any money, netspend said I would not get any credit but they still took money from my friends account and wont put it back. I have talked to them but I am getting nowhere with netspend. If they aren't giving me the credit then they need to give my friend back his money.

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 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MO

Complaint narrative:
I was forced to sign an IRS document sharing information between the IRS and discover card. I am not legally obliged to do so, and they forced me to close my accounts. They closed my online and app accounts ( on phone and mobile ) and did not allow me to make any further purchases. Being left in the dark for two weeks, I then had my account closed for no reason. They say it's a " business decision. '' I then have to call in, and the people I spoke to are not even the same team who closed my account. The only way to get in contact with them is by mail. My credit score was also hit due to closing an account on my record. It is absolutely terrible business practices coming from Discover Card. 

I will follow through and hopefully bring Discover Card to a small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a line of credit through Lowes. The account was delinquent due to COVID issues. The creditor told me that as long as the account did not go past 90 days it would remain open after the past amount was paid. They did not honor that. I made the payment of everything that was showing due between 30-90 days and they closed it. ( payment was made on XXXX still showing nothing in the 90+ day due and it was closed on 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