vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
RE : Individual Account ending in # # XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. 
Date Assigned : XX/XX/2020 Balance Date XX/XX/2020 Paid original amt. {$100.00} Identity theft/unauthorized account opening / Fraud. 

There was identity theft/unauthorized use concerning my personal credit account under collection. I do not have any account number ending in # # XXXX with XXXX XXXX XXXX ( XXXX ) account. I never received any outstanding bills from XXXX XXXX XXXX. XXXX XXXX XXXX has forwarded a collection to : Helvey & Associates, XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX ( Office : XXXX and email : XXXX ). Helvey & Associates has failed to send me any notification in writing to collect debt nor was I aware of such debt. Helvey & Associates has invertedly attached a collection to my credit report without my knowledge. The derogatory public collection is damaging to my credit report and has followed by credit score significantly. In addition, the debt has a zero balance and marked as paid. 
I have called and asked Helvey & Associates to delete this reported collection to both XXXX  and XXXX  but has refused to do so. I have contacted XXXX XXXX XXXX and they have stated a notice was given to remove any collection since this individual account was already paid. In addition, the account number associated with this collection did NOT match my account number, so I am assuming this is a fraudulent account that got filed under my credit report. 
I have asked XXXX  and XXXX to please Deleted this collection under my credit report. XXXX  and XXXX  have failed to Delete this collection notice in a timely manner. This is my filed complaint with the Consumer Financial Protection Bureau and State Attorney General office. Please send me a letter or email confirmation action on deletion per requirement. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I have a vehicle loan with PNC Bank that I was granted an accommodation under the CARES Act due to Covid 19 hardship. Federal law prohibits negative credit reporting while under a covered period. PNC has reported late payments on my credit report XX/XX/XXXX and XX/XX/XXXX while I had accommodations in effect and also had my account in a repossession status in XXXX that I paid over {$1700.00} to get it out of the repossession. My account was also current when the accommodations were made. I spoke to a supervisor XXXX on 3 several occasions. We went over my account and balances. I attempted to explain to him the errors. XXXX continued to explain that the reporting was accurate. I also sent a letter via certified mail with return receipt to PNC Bank on XX/XX/XXXX asking them to remove those late payments on my account pursuant to the CARES ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I have contacted Nordstrom, at least 3 times, in efforts of resolving issues with payments that are made on my account. In XXXX, I called and was told that payments were being held on my account because my account was new, which is totally not the case. This account with them has been open since XXXX and I have had the same bank account since XXXX, none the less, my payments being on hold because they feel like it is unacceptable. I contacted Nordstrom again today and spoke to XXXX in California. I have made 3 payments to offsets charges on my card, one for XXXX, one for XXXX and one for XXXX, all made in store and 2 with cash. All payments are on hold. This is ridiculous. In addition there is a credit of XXXX on my account that is just sitting and instead of Nordstrom adjusting the bill PRIOR to reporting it to the credit bureaus, they report a high balance which effects my utilization which is simply inaccurate reporting according to the FCRA. This is by far THE WORSE department store card that I have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I tried several times on the Experian website to get my score but it kept giving me an error message. My real complaint is that when I tried for hours to get customer service on the phone, I was never able to get a live person to assist me with the internal server error message. I tried every possible way and telephone prompt to get someone to talk to me but nobody in customer service existed. The entire experience was a nightmare. Worst Customer Service EVER! The error on the website ( after I was already logged in ) was " We have encountered an internal server error. Please note that your order has been canceled. Sorry about the inconvenience. Call us toll-free at XXXX Hours of operation : Mon-Frid ... '' My question is why in the heck would a business indicate I can call for assistance, when it is a perpetual loop of an automated service, that can not help me get my score, no matter which prompt I select, I could never talk to a live person and received no guidance to get 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 2021-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got a call from third party debt collection company called ( XXXX XXXX ) they said they were contacting me on behalf of Check n Go for a debt I had back in 2015 for {$690.00}. They told me they will take me to court if I didnt pay the {$690.00} today. I wanted to make sure this was a legitimate company. So I asked some additional information, wanted there website, asked for the main number. The guy refused. Then I asked can I just pay check n go directly. He said no, I have to pay them or they were turn it over to XXXX superior court, and I will go to jail. Then he went on to say I had a failure to appear in court already. But he will solve it today over the phone with payment. 

At that point i told the guy, can I call back so I can get more information.he said no this is my last chance because they contacted me before. So I just hung up the phone. After I hung up, I looked up check n go. All the locations are closed. I remember when I got this call few months back. I also looked up check n go. All locations were closed then too. Not sure if they were closed because of COVID-19 or if they went out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: NJ

Complaint narrative:
This is not a duplicate complaint! Barclays will not respond to my calls or emails regarding the handling of my dispute. I previously filed a case with CFPB. The response from Barclays included the response from the merchant regarding the dispute. The documents supplied by the merchant do not belong to me! Their response is fraudulent. Barclays denied my dispute based on fraudulent documents. Also, Barclays claims that I have not provided proof that the merchant was refunded in full by the airline. That is completely false. I emailed documents to Barclays on XX/XX/XXXX that included a response by XXXX XXXX to the US DOT complaint that I filed. Attached to the response were copies of the original credit card transactions made to purchase the tickets and copies of the refund transactions to the merchant 's credit card. The merchant ( travel agent ) was fully refunded by XXXX on XX/XX/XXXX. I have brought these inconsistencies to the attention of Barclays, but nobody will respond to my email messages. In addition, the phone number supplied to me goes straight to a voicemail. I did leave a voicemail with a specific message and call back number, but nobody has called back. It seems they just want to ignore the problem.

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 2021-04-26 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: NJ

Complaint narrative:
There is a bankruptcy on my report that equifax did not verify with the court and its not mine, they are using infirmation from a 3rd party credit reporting agency who im also disputing it with, because they did not verify using my 9 digit social nor did they verify with the court. Equifax removed this bankruptcy then readded it to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: UHG, LLC
State: NV

Complaint narrative:
Debt collector is calling before XXXX on multiple Occasions. They have my address so they clearly know where I live and that it is in pacific time. It has happened several times as early as XXXX XXXX. I asked them to stop and why would they call so early when its obvious the time given you have my address so therefore should know my time zone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: OH

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly. I've attached letters I sent over 50 days ago and including a new set of letters demanding a response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Wells Fargo after 9 years decided to close our account because a customer alleged fraud. They said it was going to be closed XX/XX/XXXX, yet here on XX/XX/XXXX, without being able to put money in the account, its going to go negative. They keep saying there are " pending transactions '' but that just is not true, there have not been pending transactions for a month straight, they are REFUSING TO CLOSE THIS ACCOUNT. Its like they are trying to get it to go negative. I want this on the record with as many sources as possible as there will be a Federal lawsuit eminent if it continues.

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 2021-04-26 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: National Consumer Telecom & Utilities Exchange, Inc.
State: IL

Complaint narrative:
NCTUE stated : " XXXX XXXX XXXX has advised the NCTUE that the accounts have been updated within their internal systems to reflect a zero balance and XXXX XXXX XXXX sent an update to the credit bureaus XX/XX/2021. It can take up to 120 days for the update. The NCTUE has agreed to review the consumers data report periodically to verify the updates have been made. '' XXXX XXXX XXXX zeroing out fraudulent accounts has nothing to do with me. The three XXXX XXXX XXXX accounts # XXXX XXXX, XXXX, and XXXX never belonged to me and should have never been placed in my name since XXXX XXXX XXXX was never able explain why these accounts were placed in my name. 

Further, the issue I have with XXXX XXXX XXXX is currently in arbitration. If XXXX XXXX XXXX can not state with specificity why it maintains that I am responsible for the three accounts by continuing to report same, why is it fair for NCTUE to continue to collaborate with XXXX XXXX XXXX to deceive a consumer and NCTUE not follow its own dispute protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
In process to buy this house I signed a contract with the builder and paid earnest money directly to him, one of the conditions included in the contract was that I had to go through his preferred lender to get the discounted price. I furnished his lender with all documents required, months later when it was time for closing the lender asked me if I had a cosigner, I provided my cousin XXXX XXXX name as a possible co signer. When both of us arrived at closing attorneys office we were told only XXXX is going to sign the closing documents, he started signing the paper an we were told by the closing attorney at the closing table that my name is in the Trailer Deed and I will be able to refinanced later to transfer the deed to my name. Not knowing what we know now we went through the closing. It was clearly fraud and deceptive lending practice. 
Throughout the financial crisis of XXXX I went through at least 8 lenders asking for loan modification in response what I got was several attempt to foreclose, as a result my cousin and I had to file several bankruptcy case to save our home, by the way most of those lenders have been shut down by the Federal Government for fraud and deceptive lending and CEO of the one those lender was prosecuted and served time in a federal prison. 
After long fight and two failed litigations we finally got a loan modification which raised our payment significantly, it was definitely a set up for failure, but I had no choice but to accept it to save the roof over our head. In XXXX my wife was diagnosed with XXXX XXXX after a major XXXX and XXXX she survived but lost her ability to work, this situation again created yet another financial crisis for me, not to mention current COVID 19 crisis added more trouble to my existing difficult situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: VA

Complaint narrative:
I notice there was some fraudulent accounts on my credit report after applying for credit i contact Experian and after disputing the accounts i filed a FTC report and then sent to Experian, They removed the accounts and then 3 days later put accounts back on my report. So i called Experian and ask what was the problem they said creditors told them to put back on report i got in touch with the creditors and put them online with Experian and one of the creditor had told Experian that they haven't talking to them, so i call to talk to another agent with Experian and She said hold on I going to removed them again cause u filed a FTC Report and it shouldn't have been put back on your report. The next day back on which the agent said my supervisor had these accounts put back on because you don't have a real FTC Report and i said are u XXXX the reference number is right there in black in white unless the FTC company and online is fake.I am so tired of Experian really bad business and something have to be done about this company.

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 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/2021 I XXXX XXXX contacted Chime via my smart phone and requested a check in the amount of 9000.00 to be mailed to me from my account on XX/XX/2021 the check was printed from my account on XX/XX/2021 the check is showing cashed in my account I never received the check so I reached out to Chime letting them know I never received the check but its saying its cashed Chime later got back to me informing me that there is nothing they can do because the check has been cashed they forwarded me images of the check and told me I would have to go to the other Financial institution that cases the check and investigate it myself. I called the other bank and they informed me that there was nothing they could do for me that Chime needed to contact them. So as of today XX/XX/2021 I still have not received my 9000.00 or any help from Chime

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient is not following the XXXX and XXXX administrations ' forbearance of student loans for Covid-19. The current XXXX administration has pause payments until later this fall and Navient is still seeking payments without pausing payments. My credit has been affected from the start of the pandemic with Navient disregarding both administrations ' mandate of pausing payments and reporting negative payment history. The company would put me in these short grace periods and come back stating I need to start paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northeast Recovery Solutions, LLC
State: TX

Complaint narrative:
I was in the process of applying for a loan and my credit report was ran on XX/XX/XXXX. It showed that I had an outstanding balance of {$1500.00} from XX/XX/XXXX with NATIONWIDE RECOVERY SYSTEMS ( NRS ) on behalf of XXXX XXXX XXXX. On XX/XX/XXXX, I called NRS to verify what this was about since I was unaware of it. I had not received a single notification about it in 4 years. They confirmed that the initial bill was mailed to an incorrect address and was returned. I gave them my correct address, informed them that I wanted to pay the balance and asked for a letter showing that the original invoice went to an incorrect address. I was told they could not provide that information because they didn't have a template letter for that. I asked to speak with a supervisor and was put in contact with XXXX XXXX. I explained to him that didn't know I had a balance with XXXX because it went to an incorrect address and that I was willing to pay it off in full now. I also asked for him to send me a letter stating that or proof that the original invoice had an incorrect address and he refused to provide me with such communication. Mr. XXXX said they could only send a confirmation letter stating that I paid the full amount. He also informed me that my other option was to dispute the charge. I wasn't going to dispute the charge since it was legit, wanted this off of my credit report and I went ahead and paid the balance because they said it would show ''PAID '' faster if I went through them rather than if I paid it through XXXX. I am absolutely disgusted with the lack of customer service Mr. XXXX provided. He offered no suggestions on how to reach a solution to my inquiry. He did not offer to find out if there was something else he could do. He only repeatedly denied my request So after some research and finding out that what I had requested ( proof that the original bill went to the wrong address ) was nothing new and outside of a reasonable request, I came here to file a complaint. I am in the fortunate position where I am able to routinely pay off my monthly bills. My credit report will show an exceptional payment history except for this one incident. It is nearly impossible to pay an invoice when you are unaware that you even have one. Debt collection agencies are very quick to make folks lives difficult and when they have an opportunity to assist with a simple gesture, they refuse that service. Nobody wins. That is sad and unfortunate and I believe there needs to be better training - especially at the managerial level at NRS.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-26 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. I HAVE DIPSUTED THIS FRAUDULENT ACCOUNT SEVERAL TIMES. ITS CAUSING ME A LOT OF UNNECESSARY HARDSHIP. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY PROFILE.

Company response to consumer: Closed with explanation