vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I was contacted by Fair Collections & Outsourcing Inc. on behalf of XXXX XXXX XXXX XXXX XXXX XXXX for {$2200.00}. I do Not owe that amount. I transferred from one unit to another. I requested a Walk through after I vacated the premises and was denied. I sent a check of {$410.00} on XX/XX/2020 to Fair collections & Outsourcing for what I feel I owed. The check was returned on XX/XX/2020 with a letter informing the payment of {$410.00} was unauthorized and or unacceptable. I offered to go to court to allow a judge to make a decision if I owe. I have received notification this was put on my credit report and I want it removed because I do Not owe that amount. I tried to pay what I owe.

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 2020-10-16 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: Rocket Mortgage, LLC
State: RI

Complaint narrative:
XXXX XXXX had an offer to check for a mortgage refinance with Rocket Mortgage by Quicken Loans. At the end of the form it says, " Submitting this form won't affect your credit. '' Then it redirects you to another site owned by Rocket Mortgage. The site ask you for more questions, and at the end when you send the form a hard credit pull showed on my account. This is a deceptive practice. They shouldn't be advertising a product or service that doesn't follow their initial statement of not affecting your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is not supporting or protecting me and my acct. I was the victim of fraudulent charges amounting to approx. {$4200.00}. Wells Fargo was alerted to the problem the same day I was made aware my acct was wiped out. Initial call to bank closed the affected card and identified the transaction and then was given a partial provisional credit while Wells investigated. 10 days later Wells says they are taking back the provisional credit and that they determined the charges appeared valid and closed the case. I called back and re-iterated that these were all fraudulent charges and that they need to be reversed. Wells states there is nothing they can do, they are sorry, and I need to call each individual vendor that made the charges. I even went so far as to do that, and only one reversed a charge ; all the others stated they could do nothing and that I just need to call the bank ( wells ) to make a claim. So Wells is not protecting me, indeed they are seemingly more interested in protecting the criminal. I have been a Wells customer for 30 years and this is how they handle my case. 
On XX/XX/XXXX I was charged 7 various charges totaling {$4100.00} One charge was for a " test entry '' of XXXX cent. followed by 6 out of pattern charges. This should raise a flag (? ) On the same day I made Wells aware, and the above timeline took place. To date i am out all but one of the charges, and Wells is refusing to assist. I also have XXXX  lock and monitoring, and they too will not assist in the identity theft stating that their service which i pay monthly for, doesn't include Debit cards.

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 2020-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XX/XX/2020 I made 3 reservations for 5 hotel rooms for a family wedding in XXXX, NY. The rooms were paid in full on my credit card with the understanding a full refund was available if cancelled within 21 days of the event ( XX/XX/2020 scheduled wedding ). 
the wedding was cancelled due to covid and I notified XXXX and the hotel directly to cancel the reservation on XXXX XXXX. The hotel kept giving me excuses why I hadn't received my refunds so I pursued a dispute with my credit card company ( Capital One ). They processed the credits to my account but then reversed 4 of the 5 credits saying the hotel had processed refunds. The hotel only processed 3 refunds not 4. They erroneously referenced the wrong ARN number on their response to Capital One. I again disputed the 4th refund and provided full information to Capital One. They sent me a letter asking for additional information on XX/XX/2020. I replied that the requested information had already been uploaded to them. They have closed out the dispute without a refund and told me to pursue to refund with the hotel. I pursued again with hotel and XXXX and they said no refund because I am pursuing it with the credit card company. I have exhausted every avenue and I would appreciate help in recovering my {$160.00} erroneous charge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
UWM sends us VOE faxes 6-8 a day for an employee who does not work for us. We received to date 76 faxes. We have reached out to UWM many times with no resolve. We may be forced to change our fax number which is unnecessary expenses on our part and a great inconvenience for a problem that is not ours

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Good Afternoon ; i'm actually really shocked due to the repeated phone calls, used abusive language about an alleged XXXX debt for {$930.00} that i don't recall ever owning or had any prior relationship with XXXX nor CCS collection agency. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Our mortgage was sold to PHH Mortgage Company last year. We were in the process of modification with the prior company Ocwen. They lost the modification information so we had to start all over again. They reported negatively to the credit bureau on multiple accounts. Now after we finally get things situated, they still don't have the payments updated correctly and it is still effecting my credit score negatively. I have spoken to them several times on behalf of this issue. They are outsourced and very hard to speak to so I also believe there might be something lost in translation at times or the lack of caring for customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My debit card from Wells Fargo got charged 3 times without my approval, the amount was {$700.00} three times which equals to {$2100.00} that has been stolen. The first theft was on XX/XX/20, the second XX/XX/20, and the last one on XX/XX/20, and it's all from the same address ( XXXX XXXX XXXX XXXX XXXX XXXX CA ) 1st ( XXXX ATM ID XXXX CARD XXXX ) 2nd ( XXXX ATM ID XXXX CARD XXXX ) 3rd ( XXXX ATM ID XXXX CARD XXXX ) The theft, according to my bank statement was a ATM withdrawal which somehow was authorized with an ATM access code. I reported this to my bank Wells Fargo as soon as I realized that someone is withdrawing money from me, after weeks of investigation from Wells Fargo on my claim, they decided to deny my claim. This is completely crazy because they didn't even tell me the reason why my claim got denied. I've provided them with all the information that I possibly could but still, they denied me. I've never lost my phone, debit card, OR given out my personal information on the internet bank to anyone. Please please help 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 2020-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Today, XX/XX/XXXX, I received yet another phone call from this company Convergent Outsourcing. They are looking for a XXXX XXXX. When the phone calls started happening XX/XX/XXXX, I told them that XXXX XXXX does not have this phone number and has not had this phone number for quite some time as I have had this phone number for over a year. I do not know a XXXX XXXX, told them that and to take my number off of their list. They said they would remove my number from their list. According to my phone logs, I have received a call from them XXXX ( twice ) ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and again today XX/XX/XXXX. Today, I told them again what I told them at the beginning of the month - XXXX XXXX does not have this number and to take this number off of their list. 

Further, I am on the Do Not Call list and do not have an established business relationship with them so there is absolutely no reason for them to call me. It's a huge problem because if I am on another call when that number calls me, it hangs up on the other person and I have already told this uninvited number to stop calling me. It has become a form of harassment.

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 2020-10-16 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Good Day, My name is XXXX XXXX XXXX, I am writing to complain on XX/XX/XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XX/XX/20 XXXX/XXXX/20 They're are multiple attempts other then this dates I have attach. 

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: CL Holdings LLC
State: TX

Complaint narrative:
Good Day, My name is XXXX XXXX XXXX, I am writing to complain on XX/XX/XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX/XXXX/20 XXXX/XXXX/20 They're are multiple attempts other then this dates I have attach. 

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, and TransUnion has XX/XX/XXXX and XXXX  Has NOTHING!. Please tell me how this information was verified by the same creditor but still report inconsistently across the three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account name : Dept XXXX Account # XXXX Account name : DeptXXXX Account # XXXX Account name DEPTEDXXXX   Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: F.H. Cann & Associates, Inc.
State: IL

Complaint narrative:
The company F H Cann & Associates Inc. keeps contacting my brother repeatedly about my supposed debt. I've never heard from them, never received any letter from them detailing the debt. The company above revealed to my family member that they are trying to collect debt and keep spam calling them multiple times a week. They are not supposed to call more than once to obtain information about my whereabouts, yet they are spam calling every week. They are not supposed to talk to anyone other than my parents and potential spouse, yet they are contacting my brother repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Now as an excuse you are saying the complaint did not come from me. THE COMPLAINT CAME FROM ME. YOU DID NOT DO/COMPLETE YOUR INVESTIGATION WITHIN THE LEGAL 30 DAYS.

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 2020-10-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion refused to look into this record on my file and told me to go dispute with XXXX XXXX XXXX. 

I have received a derogatory mark on my credit by Transunion onXX/XX/XXXX in a form of account in a collection filed by XX/XX/XXXXt XXXX on behalf of XXXX XXXX for {$9100.00}. 

I have filed a dispute on transunions dispute site in XX/XX/XXXX. And called them in XX/XX/XXXX. On the call Transunion refused to open an inquiry on the derogatory mark and asked me to take my dispute and evidence to the collector XXXX XXXX XXXX. 

I called XX/XX/XXXXon on XX/XX/XXXX and informed them that they have incorrectly listed a collection on my record, and that I have done my XXXX at the University of XXXX ( XXXX ) and my masters in XXXX University ( XXXX ) and have never gone to XXXX University nor have I lived there ever. In fact I have lived in XXXX all XXXX, and lived/worked in XXXX all XXXXduring the debt would have taken place. 

XXXX XXXX XXXX responded that they will look into it and someone will call me back. 

Fast forward no call back from XXXX till XXXX, so I called on XX/XX/XXXX and XXXX said please email your dispute to XXXX ( attached is a copy of the email exchange ) I explained the situation, they said they will contact the original debt issuer XXXX University, they did and responded that XXXX provided documents stating the debt. Worth noting XXXX never provided SSN # and the XX/XX/XXXX filed to Transunion with no SS # where Transunion happily reported it with no # SSN. 

I have provided XX/XX/XXXX with all the evidence that shows that I was living/working in XXXX XX/XX/XXXX all XXXX and XXXX ( attached ). Nevertheless they refused to look at my evidence and refused to remove their collection from my records. 

XXXX XXXX is finally asking me to contact XXXX University. Transunion and XXXX XXXX are refusing to look at the evidence and take this case of mistaken identity / identity theft seriously. Boh parties Transunion and XXXX collection are giving me the run around and pointing at other parties to take my dispute to when both are responsible for filing and reporting on my credit and consequently ruining my score.

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 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Went to open new phone service with XXXX I had my own XXXX XXXX  they broke my phone they gave me new phone they said my bill would be {$60.00} when I got first bill it was over {$160.00} I didn't renew they kept changing me each month I didnt have service

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 2020-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I can't Nordstrom to let them know due to the pandemic covid 19 I might be late on some payments they told me they wouldn't be reporting late payments and I still got late payments I called them back and told me to call the credit bureau to take them off for me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I am living in XXXX and have been for the past few years. for the past 4 years i have used my debit card without any problems, but beginning in XXXX my card started being declined. at first i was able to contact the bank, Huntington bank, to put a travel authorization on my card to allow it to work for a month, but now the bank says there is nothing that can be done and i cant access my money form XXXX even though have a chipped card, PIN and have contacted the bank multiple times about this issue. i just want to be able to use my card here as i have for the past 4 years.

Company response to consumer: Closed with non-monetary relief