vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I have been Trying to resolve amounts owed to Wakefield and Associates. I have valid back dated insurance and they will not run it for all Accounts, despite being they would and providing documents requested. They have refused to give me names and addresses of previous creditors stating it was illegal. They have tried to get me to pay interest on bills paid retroactively. After explaining to them the law, they said they would agree To wave interest, when I had to goto the companies direct because they refused to run my post dated insurance. I have been made fun of, and they are still holding up one account for nearly XXXX. And are requesting additional documentation for running The insurance while giving many different stories about what is required. I am currently trying to go directly to the original debtor because they are being so difficult, and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I would like assistance with disputing a charge on my account for {$14000.00}. It was paid to Citi Mastercard on XX/XX/18. In total they charged me {$14000.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.

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 2020-06-05 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: CA

Complaint narrative:
I found out there are 3 accounts with XXXX XXXX  being reported to credit reporting agencies which are not mine I filed police report and notified my identity theft issue with XXXX, XXXX  and Equifax on XX/XX/2020, and since then I have seen no results nor any proper investigation and i have been given run around by these credit reporting agencies for the past 70 days. Based on FCRA I was suppose to get results by 30 days and so far my identity theft issue has not been take care of. At the time of this COVID-19 that even US Senate specifically asked these credit reporting agencies to look after the consumers and protect consumer 's credit worthiness I see clearly that these agencies are ignoring the FCRA and US Senate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: Navient Solutions, LLC.
State: CT

Complaint narrative:
On XX/XX/XXXX and on XX/XX/XXXX I had a total of two unsubsidized direct loans received to me to pay for school at XXXX XXXX XXXX XXXX in XXXX, CO and XXXX XXXX XXXX XXXX in XXXX, CO. I received the loans with the understanding I would have to pay them back. However, I was not informed by Navient and in fact mislead with my loan going into forbearance with no status update/options from the company. I received automated calls which I mistook for spam and when I tried to reach somebody at Navient they were not helpful in describing my options and how the interest that would accrue from a delay would negatively impact my credit score. 

Had I known that my loans needed to be paid at a certain date in XXXX or XXXX without any delay, I would have contacted my parents to help pay for them. Ultimately, my dad helped pay for the loans in XXXX which amounted to well over {$1000.00} in interest. 

I would like for this loan history to be erased from my credit score because I was greatly misled by Navient for about 5 years regrading my loans. I had no idea what my repayment options were even after attempting to look into my account several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
All I want to do is link my PNC Bank account with XXXX and PNC will not allow me to do that. They are keeping me from making investments for my future earnings. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: TX

Complaint narrative:
I would like assistance with disputing a charge on my account for {$6500.00}. It was paid to Discover Credit Card on XX/XX/18. In total they charged me {$6500.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I sent request for verification / validation of debt. Company failed after 30 days to submit proper paper work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
Hello, I received a copy of my credit report and there is an account. I am not familiar with any account with Enhanced Recovery. I have reached out to Enhanced Recovery and have been unsuccessful in communication and verification of any debt with this company. I am requesting Enhanced Recovery remove this account from all XXXX, XXXX and XXXX. Please find the attached letter to Enhanced Recovery. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax should not be reporting that I am ( 120 ) days late with a current balance on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and therefore there is no payment to be late on. XXXX and XXXX are reporting correctly. This false reporting of a lates is seriously harming my credit score and these line items either need to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to no report accurate information. I have contacted the bureau to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I would like assistance with disputing a charge on my account for {$7000.00}. It was paid to Wells Fargo Cash Wise Visa Signature Card on XX/XX/18. In total they charged me {$7000.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.

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 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Action Collection Agencies, Inc.
State: NJ

Complaint narrative:
Debt Collector ( ACA ) contacted me. I indicated that I was the person they intended to call. Debt Collector indicated that ( 1 ) they had just received this debt and ( 2 ) attempted to request information from me about my contact info. I indicated that ( 1 ) prior to requesting any information from me, I expected to receive a mini-miranda about the usage of any information that I may provide in accordance with 15 USC 1692e ( 11 ) and ( 2 ) that I would like a validation of debt. 

Caller proceeded to put me on hold for almost 15 minutes before connecting me to a manager. Both the caller and the manager refused to provide me a mini-miranda required by the FDCPA ( and continued to refuse to do so for the entire length of the 20 minute call ) unless I provided them information about myself. 

Further, I indicated I would like a validation of debt. I was told this was mailed a year ago, despite that the debt collector indicated that " they had just received this debt. '' I indicated I had received no such validation and that I would like a validation of debt per 15 USC 1692g (  a ). 

The manager stated that the call was going nowhere and hung up on me. After 19 minutes on the phone ( 15 of which were on hold ), which is frankly just rude. 

I would appreciate if the debt collector would comply with the FDCPA. A simple mini-miranda and an agreement to send me a validation of debt would have been sufficient to proceed with the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I would like assistance with disputing a charge on my account for {$1500.00}. It was paid to Amex Everyday Credit Card on XX/XX/18. In total they charged me {$1500.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have several things to appear on my credit that does not belong to me. One which is my niece by marriage by the name of XXXX XXXX we have different names. Socials and date of births but yet they continue to add her debts on my credit report. Also they have attached my decease husband social on to my credit report and it is causing score to drop extremely low and I am currently trying to purpose a new home and my credit report is stopping that. I would like for you to check into it so that these items can be removed from my report because it is affecting my credit score really bad.

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 2020-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I previously placed an extended fraud alert on my credit file with the three national credit bureaus because I was the victim of identity fraud. On XX/XX/2020 I applied online to purchase a new XXXX XXXX phone from XXXX. They redirected me to TD Bank 's website which handles their credit. I applied for credit with TD bank and was told to call a telephone number which I did. I spoke to a TD Bank representative who asked me a few questions and then indicated that my request for credit was denied and I would receive a letter in a few days. I received the letter around XX/XX/2020 and I am uploading it with this complaint. The letter indicated that I should call or apply online for another letter which would explain why my application was denied. I applied for this second letter ( the " denial reason letter '' ) both in writing via email and by calling the toll free number in the first letter. I did that on XX/XX/2020, the same day I received the first letter. I've called now at least four times and the representative keeps saying that they'll investigate and get back to me but I've never received any return call from them. I spoke to a supervisor who said that because of my extended fraud alert, they use some outside service, whose name she would not disclose to provide information that they use to determine whether or not to grant credit and that, based on the information from this secret outside service, they chose to deny credit. I believe that the information that this secret service provided falls under the definition of " consumer report '' as defined in 15 USC 1681a ( d ) ( 1 ) since it is information " bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility '' for personal credit. I believe, therefore, that this secret organization falls under the definition of " consumer reporting agency '' as defined in 15 USC 1681a ( f ). This secret organization obviously has incorrect information but I don't know who they are so I can't help them correct the misinformation. I believe that I am entitled to know who they are under 15 USC 1681m ( a ) ( 3 ) ( A ). In addition, I am entitled to receive the information required 15 USC 1681m ( b ) ( 2 ) ( A ) ( I ) if the secret organization is deemed by you not to be a consumer reporting agency. I have literally spent hours on the phone with TD Bank but no one will answer my questions or call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: GA

Complaint narrative:
It has been a month now I dont have access to my checking and brokerage account. The company told me that they suspended my access to my accounts to protect my identity and I have to verify my identity with their authentification team so I can confirm that those accounts was opened by me which I did the same day of our first communication about this issue. They told me that everything has been verified and I should wait a maximum of 24h for the fraud department to unlock my account since they are the only department that have the ability to do it, but since then nothing has been done yet. Every time I called them they just tell me that I have to wait. Around 2 weeks ago I finally received a letter trough mail from the fraud department stating that I have to call them but I tried to contact them several times using the number they told me to call and I couldnt reach anyone.

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 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: VA

Complaint narrative:
I checked my credit and saw this collection agency listed on my credit report. I sent this collection agency multiple letters to validate/verify the debt and each request was ignored. They only continue to send letters asking that I pay the debt and continue to report to the credit agencies without any proper debt validation. I also disputed the account with the credit bureaus and the collection agency is replying that the debt is accurate without proper proof or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX {$89.00} XXXX {$760.00} XXXX {$220.00} XXXX {$100.00} XXXX {$250.00} XXXX {$330.00}

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 2020-06-05 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I would like assistance with disputing a charge on my account for {$1300.00}. It was paid to Chase Slate Visa Credit Card XX/XX/XXXX and XX/XX/XXXX. In total they charged me {$1300.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/2019 I noticed a hard Inquiry was placed on my credit report from SYNCB/TJX CO I did not apply for a credit on this date this company has been giving me the run around for months!!!!! They keep telling me they are going to remove the hard inquiry and they have not removed it to this date!

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 2020-06-05 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I would like assistance with disputing a charge on my account for {$16000.00}. It was paid to XXXX XXXX XXXX XXXX on XX/XX/18 and XX/XX/18. In total they charged me {$16000.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.

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 2020-06-05 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: FL

Complaint narrative:
I did not recognize this account because it is fraud. You have to remove this account 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 2020-06-05 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My complaint is with JPMorgan and Chase and XXXX. XXXX  continues to report misleading credit information on their fee for service site. XXXX. Credit scores and account information on their website contradict and are completely different then what is reporting to agencies such as JP Morgan and Chase and XXXX. 

XXXX  displays more positive account reporting. After attempts to be approved for tradeline credit based on their fee for service account, lenders such as JP Morgan and Chase report back with profoundly lower credit scores and defamatory credit information such as recent delinquencies, bankruptcies, chargeoffs as well as low available credit. I was also informed by XXXX XXXX  uses a 3rd party called XXXX. I have never initiated nor authorized any services from XXXX. XXXX has blocked and flagged my individual personal credit as problematic, high risk and extrey derogatory. Neither JpMorgan and Chase nor Experian have credit score information and scores matching JpMorgan and Chase ' letter of declination. I find this practice to be fraudulent and quite discriminatory. I'm a conversation with the lending representative, he could not answer many of my questions of standardization of credit approval. He said it is case by case and based on reporting from XXXX. The same website reporting contrary information. I paid this company XXXX a month to monitor my credit ACCURATELY. Their ratings are noticeably lower than XXXX  and XXXX  in my case. None of the scores listed on any of JPMORGAN AND CHASE 'S declination letters matched XXXX  customer reported information. Nor did JP Morgan Chase 's credit journey third party site.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
During the time of the Covid-19 PHH Mort Svs or XXXX told me that my late payment will not be report as delinquent on my credit report. I call in XX/XX/2020 ( to inquire about plans for Covid-19 ) and then I called XX/XX/2020 to see if account was current and it was and that no delinquent information was reported to my credit. Looked at credit report on XX/XX/XXXX and all three months were reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation