vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
During the Covid-19 Pandemic a Forbearance was offered, I took the three month option with Wells Fargo, at the end of this I filled out the online form to end the Forbearance period XX/XX/2020, no response has been given to me. I called in on XX/XX/2020 and was advised that it takes up to three weeks to receive paperwork and to hold tight, this was never received. 

Follow up email sent through the secure message center of Wells Fargo on XX/XX/2020 and still no response, another email has been sent as calls during the day take multiple hours to get through or just drop half way through, it's exceedingly difficult to get through. 

During these follow-ups i was never advised on how to catch up with the missed Escrow payments as well as applying the payments to the correct time period. 

I'm seriously worried about about what is going to happen next, Wells Fargo has sent me a Foreclosure notice and is at this point blatantly ignoring my tries to get back on track following proper procedure.

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 2020-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I'VE RECEIVED COUNTLESS HARASSING PHONE CALLS AND SEVERAL LETTERS INDICATING I OWE MY PERSONAL PHYSICIAN {$430.00}. THE LETTER IS FROM A COMPANY CALLED " CONVERGENT '' OF XXXX, WA ( FORMERLY XXXX   XXXX ) DATED XX/XX/2020 AND INCLUDES MY DR.S GROUP NAME " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. 
I IMMEDIATELY CONTACTED MY PHYSICIAN WHOM I HAVE NOT SEEN IN NEARLY TWO YEARS AND THEY CONFIRMED I HAVE A XXXX BALANCE AND THEY'VE NEVER HEARD OF CONVERGENT. 

I HAVE TWO SIGNIFICANT CONCERNS, THE FIRST BEING THEIR ABILITY TO IMPACT MY CREDIT SCORE AND THE SECOND BEING IF I WERE  ELDERLY OR INFIRMED I WOULD PROBABLY PAY THE BILL WITHOUT QUESTION. 

SHOULD YOU REQUIRE ANY ADDITIONAL INFORMATION PLEASE CONTACT ME AT XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: AZ

Complaint narrative:
I've tried writing them to correct the errors on my report or remove the inaccurate tradeline if they're unable to truly validate the information. I have copies of FCRA violations going back almost a year. And all I get from the CRA is Verified as Accurate, and their letters saying they will not investigate this anymore. But clearly anyone can see from the reports pulled from XXXX XXXX XXXX, XXXX, XXXX XXXX, AND the XXXX XXXX  itself ALL have incoherent information. I even sent them copies and ask how did they verify, and I got their same response, Verified as accurate, or meets FCRA requirements. I don't think the FCRA allows blatant account errors across all 3 bureaus, considering they ARE contacting the source, they should get the same info right? I have files for proof of the violations, and proof they've dismissed them for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
SOUTHWEST CREDIT SYSTEMS, is violating FCRA statutes FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] and 605 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: NC

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted 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 2020-07-28 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: NC

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted 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 2020-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Hello. On XX/XX/2020, Santander reached a settlement of {>= $1,000,000} to provide relief to consumers because they provided loans to consumers who were not qualified. The settlement also states that Santander will request that the defaulted loan be removed from the consumers credit report. I Have contacted Santander and I qualify for this removal from my credit report as I fit the criteria because my account was charged off within a year of receiving it. Please remove the derogatory account immediately as its been affecting my credit for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I was notified by a third party ( XXXX XXXX XXXX whom received a phone call from XXXX XXXX Credit Card by Chase bank, that my credit-card was 6 months past due on payment. 

I immediately called the company and explained that the account was closed in XXXX, XXXX. They said they had no record of that and that they allowed reoccurring payments to proceed. They stated that after no payments from me, XXXX XXXX, that they closed the account and reported it as non payment. 

Never once was I notified that this card was past due, as it was clear that the account was terminated. I was further advised that if I payed the account in full, they waived all the fees, that they would notify the credit bureau of their mistake. This did not happen, once I made the payment, they immediately transferred me and I was advised there is nothing they can do for me. I have never had something like this happen, you can see all my past history. 

Additionally, we NEVER received ONE email, text or correspondence from this company. The agent on the phone advised me that they have no legal requirement to call me or notify me. 

We tried settling the issue professionally with Chase, but they lied and stated that if I paid them, they would fix it. The bottom line, I respectfully request that this false and erroneous non payment be removed from my record ; as Chase did absolutely nothing to help with the situation nor attempt to notify me regarding this matter besides today, XX/XX/XXXX. 

Thank you for your time and consideration. Please feel free to contact me anytime regarding this matter at XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: CA

Complaint narrative:
regarding my dispute with XXXX XXXX on XX/XX/2020 amount of {$1900.00}. The company who charged my card, they forged my signature. I have provided my Driver License and my signature to XXXX XXXX to show proof of signature that was not my signature but XXXX saying I'm responsible for the charges. i did email 4 times to XXXX XXXX and fax to them but when i call to follow up they say we don't have the information i sent to them.

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 2020-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
To whom it may concern, On XX/XX/XXXX i received letters from multiple credit cards companies stating that they are closing my account without any explanation some of the accounts were more then 30 years old. The accounts which were closed are as follow. 
1, Sears ( Citibank ) 2, Costco ( Citibank ) 3, Home Depot ( Citibank ) 4, AT & T ( Citibank ) 5, Best Buy ( Citibank ) On XX/XX/XXXX I wrote back to the companies requesting the reasoning of this decision! 
Even though the credit cards were belonging to different companies the one thing in common is the bank which is ( Citi Bank ) for all the above cards. 

On XX/XX/XXXX I received a reply back from the bank stating " During a recent review of your account, we discovered information suggesting that you pleaded guilty to conspiracy to distribute prescription pain medication to patients without examination or medical need. As a result, the above- referenced account was closed on XX/XX/XXXX. 
We appreciate the opportunity to respond to your inquiry. 
Sincerely, Card Services '' I am XXXX year old XXXX XXXX XXXX XXXX  with NO knowledge of medicines/ prescriptions neither have i been writing or giving out prescribed medicines nor have i ever been convicted or plead guilty of any such crime. I believe banks have got my information mixed up with someone else. 

I seek help from your department to get this issue resolved for me. 

Thank You Best Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had a {$10000.00} limit on Capital One credit card. I didnt use it for over 2 years. With XXXX going on and people out of work I am looking to use it but they dropped my limit to {$500.00} without notice plus affected my credit. {$10000.00} gap. I would have to reapply to try to get {$10000.00} limit, not sure why?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I received a collection notice from Gulf Coast credit bureau. I do not know what this is for. I have tried to call and email the company for details. They do not respond. They have already affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: KY

Complaint narrative:
THERE ARE SEVERAL ALLEGED COLLECTION AND CHARGE OFF ACCOUNTS AS WELL AS UNKNOWN INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA XXXX AND XXXX IM DEMANDING THE REMOVAL OF THEM

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 2020-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
There is an account in my name open at XXXX XXXX Bank which is the result of identity theft. I first received notification of this account on XX/XX/20, called the bank that evening and spoke with someone named XXXX who said she would make the account balance {$0.00} and forward the case ( Case ID XXXX ) to the identity theft department. XXXX verified that the thief opened my account online using my name, DOB, address, and SSN, but had used a false driver 's license number/expiration, false phone number, and used a first name instead of mother 's maiden name. I never received a call from XXXX XXXX Bank XXXX XXXX department. On XX/XX/20 I created an FTC identify theft report on XXXX XXXX XXXX # XXXX ) and sent a letter from that site to XXXX XXXX Bank requesting that they close the account and notify any reporting agencies that this account was due to identity theft. On XX/XX/20 I received a voicemail from someone identifying herself as XXXX XXXX from the office of the chairman at XXXX XXXX Bank XXXX, and called her back leaving a voicemail. I have not heard from her again. I received another checking account statement on XX/XX/20 and called XXXX XXXX again and left a voicemail asking to close this fraudulent account, send me written verification, and notify reporting bureaus. Today I received a report from XXXX stating that in regard to this account, " The source has verified the information to be accurate and complete. As a result, it will remain on file at XXXX. '' I have attempted 4 times to close this account and clear my name on consumer reports by both phone and written requests. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: GA

Complaint narrative:
ALL OF MY STUDENT LOANS WERE PAID OFF BY NELNET. BUT THE LOANS STILL REMAIN ON BOTH OF MY CREDIT AGENCIES AS OPEN. PLUS THEY ARE SAYING THAT I OWE FED LOAN SERVICING AND THE DEPARTMENT OF EDUCATION AND THEY ARE BOTH IN THE SAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/20 paypal placed two of my payments from a vendor that's paid me hundreds of time on paypal into a hold. when i contacted customer service on XX/XX/20, i was told there was no security hold and they would be released. when i went in on XX/XX/20, i found they were not released and contacted customer service. ive received so many different versions from these csr 's working at home. no one can give a straight answer and they just have no clue what they are doing. i can't get a manager on the phone or anyone to release these funds. they sent me instructions to send to the client that did not work and then when i asked for another route, we started back at the beginning with a csr that's unfamiliar with the situation. their own security system shows no reason for these to be held but it's like their managers are remote so aren't working currently. seems like they are holding the funds just to collect extra interest. very shady.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: Specialized Loan Servicing Holdings LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, Specialized Loan Servicing  Reported my mortgage as " closed at Consumers Request ''. My mortage is current and I did not request the account to be closed. This company continues to retaliated against me by reporting erroneous information to my credit file. Please see attached supporting documentation which includes a copy of my XXXX  Credit file and my account status with SLS as of today ( XX/XX/XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Dear Champion Mortgage Customer Support, This office represents XXXX XXXX XXXX, surviving spouse of XXXX XXXX. XXXX XXXX received the enclosed correspondence, implying that she is required to select an offered option in order to retain her home. 
This matter has already been litigated to a Final Judgment in her favor, enclosed. As such, correspondence such as this borders on harassment and unfair and deceptive trade practices. 
You are hereby ordered to cease such threatening contact immediately. If further intimidating correspondence, such as the enclosed options letter, is received by XXXX XXXX, she will proceed with filing a CFPB complaint and all other legal alternatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: AZ

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting a current balance of {$900.00} as well as XXXX XXXX XXXX days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. ( I have attached a copy of the Police Report I filed for reference. ) This false reporting of an account that is past due and does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
Original loan balances {$19000.00} ( Subsidized ) and {$10000.00} ( non-subsidized ) Current loan balance {$45000.00} Amount paid since XXXX : {$110000.00} I had a few late payments and put the loans in deferment when I got divorced, but something seems really wrong here. 
AES recommended to place notes ahead of time on payments to pay the subsidized loan a certain amount, etc. Nothing helps to reduce the principal. 

XX/XX/XXXX : After graduating I began repayment of student loan XXXX XXXX XXXX ( XXXX XXXX XXXX : XXXX ) subsidized loan ( {$19000.00} ) and subsidized loan ( {$10000.00} ). 

XXXX My spouse and I were badgered to consolidate our loans via telephone, so we did. Then AES purchased the loans. Our interest rate is 7.63 % The unsubsidized loan : I am not sure how, but by XX/XX/XXXX our new balance was {$38000.00} XX/XX/XXXX All Loans Disbursement {$48000.00} new balance {$87000.00} ( There was no disbursement taken by us. AES can not explain this transaction or why my balance is now {$87000.00}. ) XX/XX/XXXX All Loans -Loan Consolidation {$39000.00} {$48000.00} ( Now my balance is $ XXXX AES can not explain why ) The Subsidized loan : XX/XX/XXXX our new balance was SUBSPC + {$13000.00}. 
XX/XX/XXXX : Current Balance of this loan : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL OF MY STUDENT LOANS WERE PAID OFF BY XXXX. BUT THE LOANS STILL REMAIN ON BOTH OF MY CREDIT AGENCIES AS OPEN. PLUS THEY ARE SAYING THAT I OWE XXXX XXXX XXXX AND THE DEPARTMENT OF EDUCATION AND THEY ARE BOTH IN THE SAME.

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 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL OF MY STUDENT LOANS WERE PAID OFF BY XXXX. BUT THE LOANS STILL REMAIN ON BOTH OF MY CREDIT AGENCIES AS OPEN. PLUS THEY ARE SAYING THAT I OWE XXXX XXXX XXXX AND THE DEPARTMENT OF EDUCATION AND THEY ARE BOTH IN THE SAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: GA

Complaint narrative:
ALL OF MY STUDENT LOANS WERE PAID OFF BY XXXX. BUT THE LOANS STILL REMAIN ON BOTH OF MY CREDIT AGENCIES AS OPEN. PLUS THEY ARE SAYING THAT I OWE FED LOAN SERVICING  AND THE DEPARTMENT OF EDUCATION AND THEY ARE BOTH IN THE SAME.

Company response to consumer: Closed with non-monetary relief