vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I opened a business checking account on XX/XX/XXXX through an advertised Wells Fargo promotion with the following terms : Deposit $ XXXX w/in 10 days, have at least $ XXXX in acct on day 60, and make 5 or more transactions ( including ACH ). 

I completed those terms on XX/XX/XXXX. The promotion advertised that within 30 days of completing terms, {$300.00} would be deposited into my account, which would be XX/XX/XXXX ( which has long since passed ). 

I called XXXX about a week ago ( beginning of XXXX ) and was told by the representative that I had met all terms of the offer and was told to wait another few days for it to post in the account. I waited and nothing posted. I called again and spoke with a representative and then a supervisor. Both of them informed me that unfortunately WF 's system had coded 3 of my external bank transfers as an " online transfer '' as opposed to an ACH. The other 3 were correctly coded as an ACH transaction. Note, all of these transfers were done with an external bank and were ACH transfers ( not wire transfers, ATM deposits, etc. ). The last person I spoke with told me I needed to go into a branch and speak with a branch manager in order to see if they could fix the problem. I don't think it's ethical for WF to make me have to jump through so many hoops in order to get the promotion that I am owed, especially since I was told that I already met all of the requirements before. It seems like WF intentionally coded my transfers as an " non-qualifying transactions '' so that they wouldn't have to fulfill their end of the bargain.

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 2019-04-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
this company cannit show any proper debt validation for me to be correct in paying anything based on policy of the fcra

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 2019-04-15 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: HI

Complaint narrative:
Submitted earlier complaint with CFPB, which closed despite improper resolution. See attached documents in reference to complaint. 
Sent fourth letter to XXXX XXXX  department following up with complaint, they haven't responded for a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc
State: WA

Complaint narrative:
XXXX XXXX XXXX has been attempting to collect a medical debt from me. The debt is listed as XXXX XXXX XXXX on my XXXX XXXX credit report. I have supplied PSC with digital images of the court documents clearly showing that my ex spouse is responsible for this debt to no avail. This debt should not be on my credit report and I want it removed.

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 2019-04-15 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: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
There is a charge or a card on my credit report that I just noticed for {$760.00} from Commonwealth Finance. I have never done business with them and have no clue who these people are. I own no such card or loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I Made full payments on XXXX on my credit cards to help raise my credit XXXX XXXX XXXX and Capital One, unfortunately my bank account was closed due to fraudulent activity and the paymentswent back then they decided to close my account with no questions ask didnt let me pay the balance not even to reopen my credit accounts they completely shut it down and sent it to collections, which has damaged my credit. Please help it wasnt my fault, they way XXXX XXXX handled the situation was very wrongfully done. No customer care at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I did get a message from XXXX XXXX in my voice mail on XX/XX/2019 she says she appreciates all the additional data she got from me on my last long message i sent through on Wells Fargo site and she is going to forward the additional i sent through. 
I told her i went through a lawyer and nothing happened. I told her through lawyer i sent 33 pages the first time, later bank statements, IRS statement ( got no return money. 
The big thing was that XXXX XXXX said nothing could be done as i did not pay the {$1000.00} for 2 months? if i had did that they would have considered a lower payment. He said that is why nothing happened. My lawyer told me not do do that as i did not have the money. 
I was working hard to pay on lights, gas, medicine as i am XXXX. 
I have begged every week or 2 for them to let me start paying ASAP, I have always paid my bills just ran out of money in savings. Still owe over {$10000.00} in credit card debt.I pay min plus om both cards every month.

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 2019-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
Just recieved notice from XXXX XXXX that a new collection company, common wealth finacial, put a debt on my credit report for over {$500.00}. I never recieved written notice or any phone calls at my home address even advising me that i had a debt. The dates open say from 1 month ago. I have no knowledge of this debt. I believe this is fraudulent account. Because of this my credit score dropped 7 points. The best part is that it says the account was opened 1 month ago. I want to bust this company for doing this to me. I looked up common wealth financial and they have a reputation for showing up on credit reports. Thank you for you help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: IN

Complaint narrative:
( All documents, proof and/or evidence attached ) attached : return receipts, validation letters to XXXX and XXXX XXXX, certified return receipt mail sent to Equifax, XXXX  and XXXX. 
The following account/accounts that fall under have failed to be validated. I have sent the creditor ( XXXX XXXX XXXX XXXX letters of validation ) Neither has been able to validate the accounts that fall under Account # XXXX. 

-Sent XXXX Validation request dated : CERTIFIED MAIL AND SIGNED RETURN RECEIPTS ATTACHED 1st request for validation : sent XX/XX/XXXX XXXX request for validation : sent XX/XX/XXXX -Sent XXXX XXXX Validation request dated : CERTIFIED MAIL AND SIGNED RETURN RECEIPTS ATTACHED 1st request for validation : sent XX/XX/XXXX 2nd request for validation : sent XX/XX/XXXX I requested a method of verfication from Equifax, XXXX and XXXX via certified mail/return receipt : ( Attached as rd.1 letters ) Equifax : Signed for XX/XX/XXXX XXXX : Signed for XX/XX/XXXX XXXX : Signed for XX/XX/XXXX for the following accounts : 1. XXXX 2.  XXXX 3. XXXX 4.  XXXX 5. XXXX 6.  XXXX 7. XXXX 8.  XXXX 9. XXXX 10.  XXXX 11. XXXX 12.  XXXX 13. XXXXXXXX 14.  XXXX 15. XXXX -Per a previous dispute with the credit bureaus they stated that the creditor XXXX has validated these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
Repeatedly called my cellphone before XXXX post and when I spoke with one supervisor about it, she thought it was funny but according to the last supervisor I spoke to, my account was never documented. Also called back to back on the same day leaving numerous messages one of them in a threatening manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
In XXXX my XXXX year d son had XXXX testing. He has Medicaid and always has since birth. The testing was to be covered by his Medicaid   as all testing and medications are. We referred and advised his insurance would be accepted. I received a bill for my son a year after the exam and advised that it was covered by insurance and that he was a minor and should not receive a bill. Now XXXX while I am in the process of closing on my first home a collection has appeared for this very bill. Which one doesnt belong to me and two was to be paid by Medicaid. I never received a bill in my name regarding this collection nor did I ever receive a phone call. Now Im am in jeopardy of losing my home over a bill that was covered by Medicaid.

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 2019-04-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XXXX I mailed certified a dispute letter to Equifax. They received it on XXXX. To this day I have not received my investigation results. They have 30 to investigate my dispute. I called on XXXX and they stated they didnt start the dispute process. That is violation of fcra laws. I need for all accounts included in that dispute to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC
State: TX

Complaint narrative:
I went to a emergency room for medical problems that I was having The veterans administration paid both bills and notified myself that the bill had been paid in full. I then looked at my credit score and it had dropped a substantial amount because the bill was turned over to PMAb collection agency and in turn they posted on my credit report as a collection. I have tried to contact the XXXX XXXX hospital to clear this matter up and to tell them I had paid the bill on there website but I have had no success. My credit fell dramatically and is hurting my buying power.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In the month of XX/XX/2018 I agree to allow American Express to debit the balance owed in two payments. The two payments of XXXX XXXX on XX/XX/XXXX and the second one for XXXX for one week later to pay the balance of the Amex Account. 
The payments were not posted as directed over the phone, the exact balance of the amex bill was deducted from my state Bank account. for a total of XXXX. I have repeatedly reported to Amex to no avail. This account has been unfairly and incorrectly reported to the three credit reporting agencies negatively and in collections. Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
( All documents, proof and/or evidence attached ) attached : return receipts, validation letters to XXXX and XXXX XXXX, certified return receipt mail sent to XXXX, XXXX and Transunion. 
The following account/accounts that fall under have failed to be validated. I have sent the creditor ( XXXX & XXXX XXXX letters of validation ) Neither has been able to validate the accounts that fall under Account # XXXX. 

-Sent XXXX Validation request dated : CERTIFIED MAIL AND SIGNED RETURN RECEIPTS ATTACHED 1st request for validation : sent XX/XX/XXXX 2nd request for validation : sent XX/XX/XXXX -Sent XXXX XXXX Validation request dated : CERTIFIED MAIL AND SIGNED RETURN RECEIPTS ATTACHED 1st request for validation : sent XX/XX/XXXX 2nd request for validation : sent XX/XX/XXXX I requested a method of verfication from XXXX, XXXX and Transunion via certified mail/return receipt : ( Attached as rd.1 letters ) XXXX  : Signed for XX/XX/XXXX XXXX  : Signed for XX/XX/XXXX Transunion : Signed for XX/XX/XXXX for the following accounts : 1. XXXX 2. XXXX 3.  XXXX 4. XXXX 5.  XXXX 6. XXXX 7.  XXXX 8. XXXX 9.  XXXX 10. XXXX 11.  XXXX 12. XXXX 13.  XXXX 14. XXXX 15. XXXX -Per a previous dispute with the credit bureaus they stated that the creditor XXXX has validated these accounts.

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 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
Freedom Mortgage sold my loan to XXXX in XX/XX/2019. Since I have arranged auto-pay from my billpay account, the XX/XX/2019 payment has been processed and paid to Freedom Mortgage. My bank has sent the proof to Freedom Mortgage that payment of {$1100.00} has been remitted to Freedom Mortgage on XX/XX/2019. However, this {$1100.00} has not been post to my mortgage account at Freedom Mortgage or XXXX. I have tried to contact Freedom Mortgage regarding this 'overpayment ', but as of XX/XX/2019, they still have not contact me and return this 'overpayment ' to me.

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 2019-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: CA

Complaint narrative:
2 loan companies ( XXXX XXXX, XXXX XXXX, addresses below ) and two credit reporting company ( XXXX, XXXX ) are involved. 

This was a request to XXXX XXXX  and XXXX XXXX to remove from XXXX, XXXX, and XXXX a loan reported for {$310.00} in XX/XX/XXXX, and taken to collections in XX/XX/XXXX. A request for removal of the loan from my credit report was made to XXXX, which was denied despite evidence the loan was fraudulent. The loan was fraudulent, was a result of XXXX XXXX obtaining a frozen credit report, and has been reported to the FTC. A police report was filed. 

A request for my frozen credit report was requested from XXXX  by XXXX XXXX in XX/XX/XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX ). XXXX XXXX is a over-the-phone loan service providing loans to low-credit distressed customers at high rates. XXXX provided XXXX XXXX with a copy of my XXXX credit report, which includes social security numbers and personal information, despite my having a credit freeze on XXXX   reports. 

The same month, XX/XX/XXXX, an account was opened in my name and social security number by XXXX XXXX in XX/XX/XXXX, as reported by XXXX ( see Exhibit C ). This was not me and opened without my consent or knowledge. 

The same month, a loan was taken and a new loan account was reported in my name and social security number by XXXX XXXX in XX/XX/XXXX, as reported by XXXX ( see Exhibit C ). This was not me and opened without my consent or knowledge. 

The XXXX XXXX was never paid, and was taken to collections by XXXX XXXX for an outstanding balance of {$310.00} ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, ( XXXX ) XXXX ) in my name and social security number as known to XXXX XXXX in XX/XX/XXXX, as reported by XXXX ( see Exhibit D ). 

Fraud alerts were filed, one with TXXXX ( see Exhibit E ), one with XXXX ( see Exhibit F ),  and one with XXXX ( see Exhibit G ). 

XXXX failed to show that identification had been provided in making the loan, and refused to correct the record. There has been no response from XXXX XXXX or XXXX XXXX. 

A police report was filed. 

In summary, the XXXX XXXX loan and the XXXX XXXX accounts were the result of credit fraud of an unknown party, and not by any knowledge or action by me or my family. This information is provided so as to obtain a police report, that can be used in the clearing of this fraud from my credit history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Dated XX/XX/XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: AZ

Complaint narrative:
On XX/XX/XXXX I was alerted by XXXX XXXX that Contract Callers Incorporated reinserted a previously deleted debt. Contract Callers Incorporated reported the collection date as XX/XX/XXXX. I believe this is an attempt to falsely reset the statute of limitations for debt collection. I was never notified about the reinsertion. I called and requested the false information be removed. Contract Callers Incorporated has refused to remove this falsified 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 2019-04-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
This is my 3rd request to the CFPB ( Consumer Financial Protection Bureau ) and 2nd request to obtain information for the below mentioned dates. 

I hereby request a copy of every and all mailed Periodic Statements to me during the following Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Beginning in XX/XX/XXXX, I was informed that the FDIC Office, designated to address all matters pertaining to the failed XXXX XXXX/XXXX XXXX, was scheduled to closed. This, I was told over the phone on the same day as it was announced to me that, the last 5 loans where sold. The new Loan owner, was bound by law, to establish contact within 30 days. When asking for Name and contact information, I was told that she, my FDIC Contact representative didn't have that information, she only new that the office was to be closed by the end of XX/XX/XXXX and It was the Law that the New Loan Owner would contact me with in 30 days. 

When I didn't receive a my periodical scheduled Statement, I became nervous and the 1-800 number to learn who to make my payment to? But I was told that the 30 Day 's did not begin until XX/XX/XXXX and I should be patient! 

I became exceedingly nervous and shared my concern with my employer, The City attorney of the Town I live in. A matter fact, I decided to seek councilI with anybody I though could help me understand what was happening. Everybody believing that the due process is to wait! 

XX/XX/XXXX came and still no contact with the new loan owner. This continued till XX/XX/XXXX, when RoundPoint send there 1st statement! 

Today, I believe to know the name of the highest bidder, XX/XX/XXXX, was XXXX XXXX XXXX ( XXXX ). I believe that XXXX XXXX XXXX failed to forward periodical scheduled Statement and therefor walked away from my contract! 


Press Release XXXX XXXX XXXX XXXX FDIC Announces Winning Bidder .... 
The FDIC has signed a bid confirmation letter with XXXX XXXX XXXX ( XXXX ), ... 
XXXX XXXX XXXX Thank you for your diligent in this matter.

Company response to consumer: Closed with explanation