vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I've had my student loan transferred from Wells Fargo to XXXX XXXX XXXX. It was setup on autopay at WFC and I saw the account disappear awhile ago on WFC website. I've been receiving a ridiculous amount of email and paper mail from Wells Fargo explaining that they're transferring student loans and to wait for XXXX to pick up payments. I've not received a text, email or letter from XXXX and it is not 2 days after my student loan typically auto deducts. I'm currently trying to call them, but A LITTLE COMMUNICATION WITHIN WEEKS should be expected. Wells Fargo has confirmed that intentionally delaying the transfer/setting up auto payment would be financially beneficial for XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recov Assoc, is attempting to collect a debt for a loan. I have never had any communications, verbal / written with firm. I have never taken or received any loan, signed any contract with this firm. 

Amt : {$1600.00} Portfolio Recov Assoc XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Friday morning I went to the grocery store and was able to use my bank card without any issues. This was around XXXX XXXX XXXX. Around XXXX I attempted to purchase a prescription that was ready to be picked up and my card was declined. I had a gift card so I used that. I called citi bank and they told me that a fraud alert was activated and I would just need to verify my identity and my card would be able to be used. I always get a text message however this time I didnt. So I verified my identity and then the person said oh this is in the backroom department I said can you tell me why my account is being held. She knew nothing! Said nothing! It has been over 3 days and I havent resolved this issue and I have called over 8 times to resolve this and no one has a reason as to why it is being held. Its in the backroom that doesnt have a phone number. I cant even make this up. Citi bank is holding my money hostage and I have no way of getting even information from them as to why!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I.C. Systems is attempting to collect a loan. I have never had any communications, verbal / written with this firm. I have never received a loan or requested any loan from this firm. This information was communicated to XXXX Credit.

I.C. Systems, refused to remove the information from my credit report.

I.C. Systems.

Amt : {$400.00} Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, MNXXXX 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 2021-04-19 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've noticed some inquiries on my report that do not belong to me. I did not authorize them and believe these to be fraudulent. Please remove these from my report and add a security alert for my future protection. This is scary and I don't want it to happen again. I'm thankful that there attempt ended in failure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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've noticed some inquiries on my report that do not belong to me. I did not authorize them and believe these to be fraudulent. Please remove these from my report and add a security alert for my future protection. This is scary and I don't want it to happen again. I'm thankful that there attempt ended in failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: FL

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX and XXXX of this year I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have been diligently working to improve my credit. I have started by paying down my credit cards. One of which I paid down is first premier. I have been anxiously awaiting my score to improve from the payments I have been making and I woke up this morning to see that TransUnion has dropped my score XXXX points because of the payment?!!! Please I need to be explained to how can making more payments drop my score?!!!! I swear this credit bureaus make money from keeping people with poor credit scores low. This is disgusting and needs to be stopped. I have been paying off collections and reporting inaccuracies and its getting me no where. I want them to explain why paying off my card has caused my credit score to decrease!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months they said i would have to wait 180 days to be able to transfer my funds out which was on XX/XX/2020 so it has been more than 180 days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I disputed a medical bill that was in my credit report. I got served with papers about being sued for 2 medical bills. One was for my daughter who was XXXX at the time and the other was for my daughter who was covered by a form of XXXX called XXXX plus. I called the collection agency called professional finance and explained the situation. They said just get a letter from XXXX XXXX XXXX plans and send it in showing she was covered and i was told I would not have to provide an answer through the court. I requested the letter end of XXXX and It took a couple of weeks to come in. I emailed it on XX/XX/XXXX then I called them. They said they received it and would get back to me. I didnt hear anything back so I called back several times and left voicemails. I then received a letter in the mail about court being in XXXX I called them again and was finally able to get through they stated they received the proper paperwork and they dismissed my daughters medical charges who was no longer a XXXX and they were still working on the other one even though it had been 3 weeks since I sent in the proof. About a week later I noticed it was off my credit report so I thought it was taken care of. Then XX/XX/XXXX i got a deferred judgment letter saying they were granted the judgement. I called again and was told I owed {$350.00} ish dollars that included {$160.00} in court fees. I explained the situation then was told she would email the head of legal department and that I should be good. I called again the next day and was told still no response call back on Monday. This is very frustrating to me and I am a single parent income household. I did everything I was asked to do and still ended up with it this outcome. Im very frustrated.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Starting in XXXX of XXXX, all information for Income Sensitive Loan repayment Recertification was submitted to Navient. Follow up calls from myself to verify they received all the paperwork XX/XX/XXXX, spoke to a rep XXXX who stated the recertification was " under review '' and an answer would be coming in XXXX days. Phone call to Navient XX/XX/XXXX to follow up, states the recertification is not complete spoke to customer service rep XXXX XXXX, who then spoke to his supervisor and stated they are putting an escalation on the recertification paperwork and it would be completed XX/XX/XXXX. Opened my email XX/XX/XXXX to find 3 different letters from Navient stating that Standard Payment plan was back in effect as well as stating that the Income Sensitive Plan was not an option due to using the 5 years already, 5 years that nobody tells you have to begin with. Hours spent on the phone today XX/XX/XXXX with a rep who then states there are discrepancies for forbearance time and proceeds to go back to the year XXXX. Every year when it is recertification time, I and probably several others go through the same time consuming, unproductive phone calls with representatives who go back and forth, back and forth, and these are the supervisors they have hired. Ridiculous service, the ways student loans are sold are a disservice to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERFIRST MORTGAGE COMPANY
State: CO

Complaint narrative:
To Whom It May Concern : I applied the refinance rate on my original home mortgage through Interfist Mortgage Company. Throughout the entire process, Interfirst Mortgage company misled me that my loan was approved, thus, I was forced to order the appraisal on my house for the amount of {$620.00}. Later on, my loan was denied and I had to pay out of my pocket for the appraisal fees. I have tried to contact XXXXnterfirst to resolve this issue internally many times through emails and voicemail but they ignored my email and my voice mail. My loan was denied due to lenghth of my employment, they should have known from the begin of the process that my loan was not approved due to my employment ( I start the new job ) because of COVID but they didn't say anything, they made me to go through the entire process until the last minutes and denied my loan although I had a good credit history. I had proof that they misled me to order the appraisal. Can you please publish this so other would not have to be on my situation. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX XX/XX/2021, some one withdrew {$870.00} from my unemployment account which is managed by Bank Of America. It was done at a teller machine located at a place I never go. I have the only card for the account, which was in my pocket. The card was only used to withdraw money at one location only, located in XXXX, Md. never used to make purchases in stores,

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 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been able to set up long term payments with all my other credit card companies to avoid having to declare bankruptcy due to the ongoing COVID situation that has reduced my income, however Capital One has not provided any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a {$9000.00} from the XXXX of Arizona. I had a chase account and called chase to see where that money came from as I knew it might not have been mine. I spoke to a representative and he referred me to an investigator. He asked me where do I think that money came from, if I where sure it wasnt mine and a couple more questions that I dont recall at this moment. The investigator explained to me that my account would have to be closed so that the funds can be given back to whom it belongs. He also explained the process ( contacting the bank from which it came from, starting a claim process etc. ). He always reassured me that I was going to be able to open my account back up. I chose not to open a back account back then because I was not working and knew that without a direct deposit on my account I would have to pay maintenance fees. As of, Friday XXXX XX/XX/XXXX ) I tried opening my account back up. I went to my nearest chase branch but the nearest date they had was XX/XX/XXXX and I needed an account before then. I decided to try and open an account online but I wasnt able to so I called chase. They referred me to a representative who explained to me that theyll need to clear the incident up. She told me that she had cleared it up and was able to open a new account. So today, Monday XX/XX/XXXX, I called my chase representative to make an appointment to open my account. And she tells me that she wont be able to open an account because I have a fraud record in chase. I explained to her that how can it be fraud if I myself was the one who called about it and did all the due diligence to give the money back to its owner and that at no time no one told me that I wouldnt be able to open a new account. She told me that it is a common practice that chase tells costumers one thing over the phone when they know quite well that theyre lying. I asked her what could I do then? And she told me that she would recommend me to open an account at another bank because chase its not going to let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC
State: IN

Complaint narrative:
A year ago someone from DNF Associates LLC contacted me regarding a department store debt. The lady on the phone demanded payment over the phone but without providing a mode to verify the debt. I asked her if she could send me a statement in the mail, or if I could log in to an account online, if there was any way I could visually see that they held the debt before submitting a payment. She was very rude and insisted that she could not issue any paperwork to me until I gave her a payment, and there was no way to see the debt online. I told her I was uncomfortable giving a random stranger that called me demanding a payment over the phone my banking information. I made it very clear that I was not refusing to pay, but that I was not going to give my banking information blindly over the phone. At the end of the conversation I was informed that I would be sued. I, again, told her I would be happy to submit payment as soon as I had some way of validating who she was representing and where the payment would be going. I was just served with papers stating I am being sued in small claims court. I feel that this is unjust. I should have been given the proper documents and been able to make the payment without being sued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted a request to XXXX XXXX the creditor ) to provide me with documentation which they have refused numerous times to comply with. Per FCRA guidelines the creditor must comply with providing requested documentation to the consumer or the account must be removed from credit reporting. 

I paid a collection account in full in XX/XX/XXXX. I received a paid in full notice from the collection agency who received the payment. In XX/XX/XXXX I opened an account with XXXX after comfirming my previous account was paid off. Later that same month the account appeared in collections again with a new agency. I contacted XXXX and asked for them to investigate which they did. XXXX stated the payment made in XXXX was returned in XXXX, XXXX weeks later. I received no notice of such from my bank. I asked for XXXX to supply me with a copy of said payment reversal which theyve refused and told me to obtain any documentation from the collection agency that I had paid, which has been out of business due to COVID-19. I received a notice of the full balance due from a new agency and paid a settlement offer just to stop fighting with XXXX. They are not compliant with FCRA guidelines, and theyve now been paid hundreds more than the original full balance paid in XXXX. Please see the attached correspondence as well as the paid in full notice dated 1 month AFTER XXXX claims the payment had been reversed. 

This dispute has been filed directly with Experian as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have been trying to find out how some of this information came to be on my credit report. It is a public record, that should be removed. Experian is whom I have repeated mailed letters to but nothing in regards to this has been done yet. 

Date : XX/XX/2021, XX/XX/2021, XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
For the last several days Ally Bank will not let me access my account they won't give a reason they say call customer service and when I do I get put on hold and they never answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I applied for a CareCredit card to help pay for my XXXX XXXX I was given a {$4000.00} line of credit. There are two payment platforms that are available to pa the bill. My chart gives me the option to pay my bill via the website https XXXX XXXX. I have also signed up at Synchrony bank to see my bill. I have been paying my balance down through XXXX. 

I sent the records of my billing payments to Synchrony. They haven't updated their records accordingly. I recently got a message from them saying they won't do it because it's not on their platform. I feel like I am going to be penalized because of this billing 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 2021-04-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I disputed inaccurate information and haven't got anything back within FCRA time frame of 30 days. fcra requires my credit report must be 100 % accurate.. I disputed these inaccurate errors XX/XX/2021 via certified mail with return receipts and still have yet to get a response. That is in FCRA law violation

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