vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this 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 non-monetary relief
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I XXXX XXXX am in a position to file for a Chapter 7 bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this 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 2019-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: TX

Complaint narrative:
I XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OH

Complaint narrative:
On XX/XX/2019 I made a purchase of three items from XXXX. On XX/XX/2019 I received a package from that merchant with the correct name and tracking number, however the contents of the package was not what I ordered. I contact the aforementioned merchant, explained the situation and was advised of the following : XXXX stated via chat that they understood I received the wrong items. They further stated thats I received the wrong package by error and that my package was still enroute. They advised to wait 2-3 business days and I should have the items I ordered, I simply received someone elses package by mistake is what they continued to advised. I proceeded to wait 2-3 business days, however the second package with the correct order never arrived. I contacted XXXX several times after that and was told they could not send a replacement order to me. 
I again explained that a package had arrived it just had the wrong items. 
I received no assistance from XXXX. I then filed a dispute with my Discover card. They stated that XXXX advised my order was shipped/delivered to me and they ruled in XXXX favor. I contacted Discover, who had incorrect details of my dispute and they re-opened my claim. Today, they ruled once again in XXXX favor. This issue is this, Im not contesting whether or not I received a package, Im disputing the charge because I did not receive what I ordered. I offered to send the incorrect item back however was told bun XXXX that it was not necessary and that my correct order will be arriving within 2-3 business days. 
The amount was {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: AZ

Complaint narrative:
On XX/XX/XXXX, I received an alert that my credit report from Equifax had been pulled by XXXX XXXX. Since my cell phone service is with them, I thought they were just doing a random check. Then i realized that the account is not under my name and they would not have my social security number. I then called XXXX on XX/XX/XXXX and spoke with customer service. They explained that they did not see an account with my Social Security number. I explained about the credit pull and asked to speak with the fraud dept. I was transferred and spoke with someone in the Fraud Dept. When they looked up my information, they stated that they see that an inquiry was pulled and that the realized that the account being opened was fraudulent and that no account was opened. I asked about the credit pull and they stated that a request had already been sent to Equifax to have it removed. 

I then went to the Equifax website and put in a dispute for the credit inquiry under the the reason that I did not authorize the report.. Their confirmation states that it could take up to 30 days for the dispute process. I received a response back within 48 hours stating that they would NOT remove the inquiry as it was a true reflection of a request on my credit. On XX/XX/XXXX I then put in another request to have it removed under the reason of this is a fraudulent inquiry. I again received a response back within 48 hours with the same response that they would NOT remove the inquiry as it was a true reflection of a request on my credit. I then called Equifax and was told the same thing that it was a true reflection of a request on my credit. I can now see that Equifax allows you to put in a dispute for fraudulent activity but denies the claim everytime. They also stated that they have not received and request from XXXX to remove the inquiry. 

I then called XXXX and requested to speak with the fraud dept once again. I was again told that the request had been submitted to Equifax to have the inquiry removed. 

It is now XX/XX/XXXX and the inquiry is still on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I XXXX XXXX am in a position to file for a Chapter 7 bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this 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 2019-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
Today, XX/XX/2019, I attempted to make my mortgage payment online as I do every month however the online system would not allow me to do so. I also called hoping to be able to make my payment by phone and their system would not allow me to do so. I am not 30 days or more late on my mortgage. It is the last day of the month and I am trying to make a payment so that I do not get a 30 day late on my credit report. The online mortgage system stated I was not eligible to make an online payment because my account is past due. As of today, it is not past due. Tomorrow it will be if I can not make the payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

Please provide the following : 1 Agreement with your client that grants you the authority to collect on this alleged debt. 

2 Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3 Any insurance claims been made by any creditor regarding this account. 

4 Any Judgments obtained by any creditor regarding this account.

5 Name and address of alleged creditor.

6 Name on file of alleged debtor.

7 Alleged account number.

8 Address on file for alleged debtor.

9 Amount of alleged debt.

10 Date this alleged debt became payable.

11 Date of original charge off or delinquency.

12 Verification that this debt was assigned or sold to collector.

13 Complete accounting of alleged debt.

14 Commission for debt collector if collection efforts are successful.

Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.

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 2019-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: AL

Complaint narrative:
On or about XX/XX/2019, The Money Source ( TMS ) acquired service of the mortgage on my home. At that time there was an outstanding hail damage ( roofing ) repair to be made, first half of the insurance check to cover repairs had been released by my previous mortgage service provider XXXX. Due to weather and backlog, our roofer did not complete repairs until early XX/XX/2019, at which time my wife began to make attempts to have TMS to begin their procedures to close out this repair and pay the roofer his final check. Following two weeks of attempts, I had to once again give TMS permission to speak with my wife as now they state that I can not give verbal permission over the phone and must do so by mail ( given different stories on how to go about this by each person I spoke with ), anyway after giving what TMS said is last time of verbal permission, their representative told my wife that they do not have the funds from the insurance claim nor have any knowledge of this, as well she was told that we would have to figure out where the funds were. I specifically spoke with an agent from TMS in XXXX concerning this claim and my concerns about this going smoothly, I was assured that after a period of about 30 days funds would be ready for release following inspection of completed repairs. My wife and I have both spoken to an agent from XXXX who states that funds were wired to TMS, however XXXX has yet to provide proof, this has been going on since approximately XXXX XX/XX/2019. Repairs on my roof are very close to 30 days past, at which time the roofer may choose to submit a lien on my mortgage, which will affect my credit. Check amount is $ 4,600+. There is no record available to me anywhere indicating where these funds are, as if they just disappeared. I am beginning to suspect insurance fraud by means of asset diversion. I do not know or have proof of which company ( XXXX or TMS ) has these funds, I do know that my wife and I signed the insurance check and submitted it to XXXX upon recipt from our insurer. As our current mortgage service provider, TMS should be providing assistance with getting this matter settled and to prevent a lien being placed on this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Called on the XXXX of XXXX to discuss why XXXX $ was taken out of my debit account when I can not afford this payment. In order to lower my payments I submitted an income drive repayment plan application. Fedloan sent me a letter saying it was still pending but they needed more information. I sent all correct documents such as my most current tax information. When I called Fedloan customer service they agreed with me in that letter I was sent did not make sense and therefore my application should not be pending. The agent I spoke to, ensured me that my next payment would not be debited from my account because she will suspend it. As of today, XX/XX/XXXX, when I look at my bank statement it says my debit account is XXXX $ because Fedloan RETRIED a payment of XXXX XXXX They are not giving me clear information and clearly aren't following through with the requests i've made. I am also trying to take my account and routing number off of my Fedloan account online and I am unable to do so. I refuse to make any more payments until this situation is rectified on their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I am XXXX XXXX I bank with Wells Fargo out of XXXX New Mexico. I recevied a check from XXXX XXXX on Monday XX/XX/2019. I called the company that the check came from and they advised me it was a good check. i then called the bank the check was written off of. The banker advised me that it was an open account, I deposited the check on XX/XX/2019 into the atm at Wells Fargo. When the atm printed out the recite it said the founds would be aviable on XX/XX/XXXX XXXX I called Wells Fargo XXXX, The amount was not avalible in my account. The transaction had been processed tho. i talked to a representitive they told me the money was posted and then withdrew from my account because there was a stop payment on it. They told me there was nothing they could help me do about this stop payment. i could contact the maker of the check. 
I was in a class action lawsuit. When I recieved the 1099 Settlement check the teller at Wells Fargo asked me how much was the check for. I told her thats what i am trying to find out. They would not deposite the check into my account until i found out how much the 1099 settlement check was for. i contacted my attorney and spoke with the parilegal. I was advised to get ahold of the Defendent in my class action lawsuit. I advise the parilegal that would be conflict of intrest, The Paralegal said well i will call the Defendets lawyer. When i had called my attorneys office back i talk to the paralegal and i was advised to go ahead and deposite the check, i went to the atm on XX/XX/2019 because the bank had already closed for the day. when the atm read the check it was for XXXX i recieved the recite from the atm. The recite said deposit will be avalible on XX/XX/2019. When i checked my online banking it said the amount had been posted and then the bank took it out of my account. i called the XXXX number multipule times to find out what was going on about this check, I was question about the amount about this check, i would tell the representitive that this was from a class action lawsuit and it is confidental. i told them that i had documentation from the courts and my attorney about how much the check was for. They told me they did not want to see the documentation, My account now has been closed because of both of these transactions. I believe that Wells Fargo did not make my funds availible for me when the recite said i would have money avalible to me. There is more information about my account i can proved you with. If you need any documentation let me know and i will send them to you email or by mail. 
My contact information : XXXX XXXX XXXX XXXX XXXX XXXX New Mexico XXXX ( XXXX ) XXXX XXXX Thank You 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 2019-06-30 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: FL

Complaint narrative:
sent ftc to Experian and northern leasing company please remove the inaccurate information I sent the documents

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 2019-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My personal information has been leaked several times now, Experian AND XXXX  HAVE A RESPONSIBILITY TO PROTECT PERSONAL INFORMATION. MY CREEIT CARD AMOUNTS HAVE INCREASED IN THE PAST AND MY REPORT WAS NOT AFFECTED OR IT ONLY DROPPED A COUPLE POINTS ... .TODAY I LOOK AND MY XXXX CREDIT REPORT DROPPED OVER 40 XXXX POINTS! I want my credit rating restored to 700 and for Experian to no longer have access to my personal information. These credit ripoff agencies are causing monetary damages and more. I'm going to contact a lawyer.

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