vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX I called wells fargo to close my business checking account. The call rep informed me my account would be closed I would receive an email within 72 standard hours. When I asked for an email during the call to confirm my account would be enclosed the rep insisted on 72 hours.

My account still shows as open and I have not received an email confirming my account closure. I have checked all my email spam folders for the email address listed on their file.

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 2020-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
I have called Nationstar multiple times to request an update to my escrow as my property taxes are {$0.00} for XXXX. As of XX/XX/XXXX, they published a statement requesting an increase to the escrow because of an increase in insurance premiums. I was told it would only take 10 days to complete the update when I called in XXXX. I did not see an update by mid-XXXX so I called again. I called a third time on XX/XX/XXXX and was promised a call back on XX/XX/XXXX to confirm the update had been made. I did not receive a call so I made another call on XX/XX/XXXX. 

As of XX/XX/XXXX, the representative told me the update would take effect in 24-48 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
There is a debt from Stallings Financial Group listed on my credit report that I have disputed to get removed as collector is unable to provide proof of validation. The ladies that answered the phone at this office was very rude to my sister when I authorized her to handle the situation due to me being ill. If Stallings Financial Group can not provide the following validation below ; this debt needs to be removed from my credit report : **Provide an explanation of what this alleged account is for. 

**A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 

**Documentation showing I agreed to pay this alleged debt. 

XXXX*The Agreement that grants Stallings Financial Group the authority to collect on this alleged debt. 

**A copy of Stallings Financial Groups state license ; including license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all FTC violations see attached reasons

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 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all FTC violations see attached reasons

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 2020-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA VIOLATION I HAVE NO KNOWLEDGE OF FRAUDULENT ACCOUNT XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON MY TRANSUNION  CREDIT RPORT. FTC REPORT # 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 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX/XXXX  XXXX {$510.00} XXXX/XXXX XXXX {$2000.00} XXXX  XXXX {$2000.00} XXXX XXXX  XXXX {$680.00} XXXX  XXXX   XXXX {$740.00} XXXX  XXXX  XXXX {$530.00} XXXX-XXXX   XXXX {$490.00} US DEPT ED XXXX {$4100.00} XXXX  XXXX XXXX {$1100.00} XXXX/XXXX  XXXX {$530.00} XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$170.00} XXXX/XXXX  XXXX {$700.00}

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 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$2000.00} XXXX XXXX {$2000.00} XXXX XXXX  XXXX {$680.00} XXXX  XXXX   XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX-XXXX   XXXX {$490.00} US DEPT ED XXXX {$4100.00} XXXX  XXXX XXXX {$1100.00} XXXX/XXXX  XXXX {$530.00} XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$170.00} XXXX/XXXX  XXXX {$700.00}

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 2020-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I received Bills from Grant Mercantile Agency , Inc phone XXXX/www.paygma.com/ address : XXXX XXXX XXXX, XXXX, CA XXXX, for a medical bills for {$340.00} from original creditor XXXX XXXX  phone number XXXX. The collection agency account number for this bills is XXXX, creditor ref # XXXX. Last Charge at Creditor is XX/XX/XXXX. 

I did my research and track this down and I found out that this medical facility is in XXXX, CA and we live in XXXX which is 3 hours drive apart. I've never been to this place. 

When I called and talked to them, they're saying that they do really have a records of me making an appointment and said that I missed my appointment. And they also said that just talk to the Collection Agency. Like I said, I don't know this people, I've never had business with them, they are 3 hours away from where I live, this could be also a Identity Theft, and that is what I'm going to do is to report a ID  Theft for this fraud. 

Thanks for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-31 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money monthly. They have the wrong information. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX I sent a dispute to Experian Credit Reporting agency to dispute error on my credit report. I understand the investigation can take anywhere between 30-45 days ; with in that time frame I still have not received any response. I sent another letter Dated XXXX XXXX with in detailed advising that I did not receive an response from my previous letter & listed the items that I am disputing with more details of the dispute. 

Today is now XXXX XXXX I still have not received an response / update of the investigation.

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 2020-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I have been on income based repayment since XX/XX/XXXX. During this time, I have had multiple services and am currently with Fed Loan. I have submitted my employment certification form to fed loanfor my employer from XX/XX/XXXX to XX/XX/XXXX. This was accepted as a qualifying employer. I have made 81 payments from XX/XX/XXXX to XX/XX/XXXX. This is based on review of my bank statements to make sure payments were made. However, the count on the website for qualifying payments is still 21 ( i.e. 5 years worth of payments is missing ). I asked for a manual count in XX/XX/XXXX. I then reached out to the fed loan ombudsman around XX/XX/XXXX. I have reached out to them multiple other times for status updates and they verify that manual count is still not completed. Once i submit my new employer certification from XX/XX/XXXX to present, I should be at 102 payments ( close to forgiveness which occurs at 120 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, XXXX, and Experian has failed to provide results of my investigation on the following items : 1. XXXX - I asked them to send me the signed contract for this debt. I disputed this debt with the XXXX, and they could not provide me with any document that showed I actually created this account. They even dropped a court case against me when they realized that they could not prove this account was actually opened by me. I started disputing this account back in XX/XX/XXXX, but XXXX   and Experian said they verified the debt. How is this possible when the original creditor could not verify the debt. My last letter in XX/XX/XXXX yielded no response from XXXX  and Experian to this issue. 
2. XXXX XXXX XXXX - I asked them to send me the signed contract for this debt. I disputed this debt with the XXXX, and they could not provide me with any document that showed I actually created this account. 
3. Unverified Inquiries - I asked them to verify this inquiries were created by me by asking the creditor for my signed application. None of these creditors could provide me with a signed application. Yet, Transunion says they verified these inquiries. 
I did not create these inquiries : XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX - XXXX XXXX, XXXX/XXXX, XXXX  XXXX  XXXX According to the Fair Debt Collection Practices Act, XXXX has broken the following statues : 1. Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt I never received the following from XXXX, yet XXXX  is reporting them on my credit. 

2. Failing to follow debt dispute procedures 3. Failing to conduct a reasonable investigation my dispute 4. Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your 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 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am a victim of identity theft through Paypal credit card issued through Synchrony Bank, and have reported this via a FTC Identity Theft Report. After much work on my part, the company appears to have finally closed the account ( after a five month delay ). As is my right under Section 609 ( e ) of the Fair Credit Reporting Act, I have been seeking records relating to the fraudulent account from Synchrony Bank and Paypal since XXXX, XXXX. I have written letters to them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. With each of these letters, I enclosed the required documentation, including police reports, proof of identity, my FTC Identity Theft report, and account numbers. I have telephoned them multiple times, including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and others. Each time I inquired about this issue, the service representative specified a different address to which I should send my letter. I followed their instructions about sending the documentation and used the addresses they provided to me.They have ignored my demand for this information and have not provided any rationale for their lack of action. I demand that they send to me all records they have about this fraudulent account, as is my right under Section 609 ( e ).

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 2020-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: WY

Complaint narrative:
I received a letter from Credit Control , LLC which claims their client XXXX XXXX XXXX has " purchased '' an account from XXXX XXXX  XXXX XXXX. for {$14000.00} which is far more than I ever had a credit limit for when I was a customer of XXXX XXXX. I filed a complaint against XXXX XXXX  a very long time ago for fraud, which they paid off as part of a class action lawsuit with multiple Colorado plaintiffs but I never owed XXXX XXXX   anywhere near {$14000.00}. Credit Control is claiming that I can discharge this debt for a one time payment of {$5900.00} which confirms the debt is false and spurious. Credit Control has provided NO evidence that their client purchased the alleged debt, they have not provided any contact information other than a phone number and a Post Office box, and the letter was dated " XX/XX/2020 '' but was not received until XX/XX/2020. Credit Control has not identified any specific person at XXXX XXXX  or any contact information for XXXX XXXX  to dispute this alleged debt. In short, this meets the criteria of " phantom debt '' where unscrupulous and criminal perpetrators attempt to shake down the public to avoid shame. I am requesting the name of principals involved at Credit Control and XXXX XXXX that can be named in subpoenas for deposition and litigation.

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 2020-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC
State: AL

Complaint narrative:
Original debt was with XXXX XXXX  ; subsequently, turned over to Allied Interstate LLC, a collection company. I closed my XXXX account, I requested and paid the remaining amount due over the telephone, and sent my equipment back as contractually required. XXXX  continued to bill me after all equipment had been sent back to them. XXXX  has recorded calls concerning this issue.

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 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is a debt from XXXX XXXX XXXX listed on my credit report that I have disputed to get removed as collector is unable to provide proof of validation. The ladies that answered the phone at this office was very rude to my sister when I authorized her to handle the situation due to me being ill. If XXXX XXXX XXXX can not provide the following validation below ; this debt needs to be removed from my credit report : **Provide an explanation of what this alleged account is for. 

**A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 

**Documentation showing I agreed to pay this alleged debt. 

**The Agreement that grants XXXX XXXX XXXX the authority to collect on this alleged debt. 

**A copy of XXXX XXXX XXXX state license ; including license number.

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 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: OH

Complaint narrative:
XXXX XXXX XXXX claims to have billed Flagstar Mortgage for my policy. Flagstar claims no bill was recieved. Flagstar claims a partial payment was made but returned by XXXX XXXX. So the policy was cancelled, this is the second time this has happened. the first time XXXX XXXX reinstated a policy i cancelled instead of applying the funds to the proper policy. i called all parties about the change in policies. It was not until a claim was made and the deductible was XXXX higher than the replacement policy i purchased, When i called about the deductible I realized the old policy was back. Both parties just pointed fingers and refused to accept responsibility. It wasn't until I said I was calling the Atty General that XXXX XXXX stepped up and corrected the problem. Flagstar raised my house payment by XXXX per month to insure escrow would balance with the new policy amount. This wasXX/XX/XXXX, the same thing has happened again. In XX/XX/XXXX, I was charged XXXX for a policy supplied by Flagstar when they should have just paid the XXXX one. The 2 of them are blaming each other. In the meantime. XXXX XXXX says they can not reinstate the policy. I feel i should not have to pay the XXXX difference in the cost of the Flagstar insurance due to errors on the part of these 2 companies. I just realized I'm being charged this new amount. I'm getting the same runaround I got the first time they did this. No one wants to admit an error.

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 2020-03-31 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank account was opened in XX/XX/1999. The account has been paid and is closed. When looking at the line item on my credit reports, it has no date listed as to when this account will be removed from my credit report.

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 2020-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
XX/XX/XXXX To all parties concerning : After making a attempt to correspond with Congress Collection regarding a supposed debt owed. I am writing this letter to bring this matter to the attention of Consumer Financial Protection Bureau. This alleged debt was brought to my awareness upon viewing my credit report in late XXXX, XXXX. I hadn't received any correspondence from Congress Collection regarding this matter beforehand. On XX/XX/XXXX a letter was sent from me to Congress Collection via certified mail, exercising my right under The Fair Credit Reporting Act, Section 609. I requested that the company provide me ( in 15 days ) with information about the item reported that would validate this alleged debt. It is now approaching almost 90 days since attempting to make contact and I have yet to receive a response or proof that this item is owed. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation