vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to Equifax mentioning this unknown medical collection that does not have an account name being reported to Equifax nor does it have any contact information to obtain further information surrounding this debt.

I received a response stating that this account was verified however no additional information has been updated.

My most recent report available via my credit monitoring with XXXX dated XX/XX/2018 still does not reflect any contact information or account info pertaining to this account.

Under the FCRA any information that is incomplete, unverifiable or inaccurate should not be reporting.

This collection account that I have no additional knowledge or information is seriously hindering my credit score with Equifax as it is a serious derogatory information.

Furthermore, this is only reporting on this single credit reporting agency.

I will be sending out an additional dispute letter this week to Equifax further challenging the incomplete and missing information surrounding this one account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has an icon listed on page with my accounts once I am logged into my online banking. It is called XXXX XXXX. At the time I had no idea this wasn't actually Wells Fargo because it is actually listed on my personal account page. Why would they have another company user tool listed with my personal checking account information?? I assumed it was how we transferred money and it was in fact Wells Fargo. Well on XX/XX/2018 We thought we were buying tickets to a football game and we transferred the seller {$500.00} through our Wells Fargo account. Come to find out it was a scam and someone had made up all of their information and they took our money. The seller said their name was XXXX XXXX and listed an email address as well. But come to find out, that person doesn't really exists and they scammed us. Wells Fargo acknowledges, after reviewing that person name and email that it's all red flags that they show and things didn't match up ( we would have no way of knowing that from our end ) BUT they refuse to give us our money back. Banks are suppose to protect their clients. We have ALL of our money and 401K and IRA with them and all they are saying is that this is not fraud but it is in fact fraud. This was a made up name and person that committed fraud and Wells Fargo is treating us like we are the criminals instead of the victims. Please help! We just want Wells Fargo to do the right thing and give us our money back. They should never posted XXXX with our account information if it is not actually Wells Fargo. We didn't go to XXXX to do this transfer, we actually logged into our Wells Fargo online banking portal and XXXX is just listed under our checking account. We didn't even know this wasn't a Wells Fargo tool until this happened and Wells refused to help us. This is so misleading and unethical on so many levels. We feel so violated and vulnerable that our bank, who we believed to be a trusted partner, would allow this to happen to us. If they will not protect you from this kind of thing thing they 100 % should not have XXXX listed in our personal customer portal. We just need help getting our money back and no one will listen.

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 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I was called in XX/XX/XXXX by Sun trust Bank that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. 
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XX/XX/XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. 
When I found the car gone I immediately called sun trust as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. 
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. 
Immediately after getting my car I started the complaint process with suntrust about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. 
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. 
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. 
I was promised by suntrust in XX/XX/XXXX that all the reporting would be corrected.

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 2018-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I called Studentloans.gov on XX/XX/2018, seeing about consolidation of my loans with Navient. The rep that I spoke with kept asking for me to repeat my ssn. Then I was informed the reason why I couldn't see any loans on the studentloans.gov website is due to another ssn was attached to my account with Navient. I called Navient on XX/XX/2018, they stated to me that they could not see another ssn tied to my account, but they ask for me to send in a copy of my DL and SS card. I requested a full report of my account with them and they stated it will take 5-7 days due to mail.

The whole issue is that I don't believe what they say any more. I have called in so many times trying to get my monthly payment lowered and they place me on a forbearance and then state to look in my email. They can never tell me what the new monthly will be. I have had to call each month this year to ask about lowering my payment. One person forgot to submit my request. The other person told me to complete a consolidation. Each time it is something different to get more money out of you. I have been working on my credit for the past two years, so my wife and I can buy a house. Well It has been a roller-coaster due to Navient and their payments. Right now they sent me a letter saying monthly payments for a loan ( did not say which loan ) and the loan amount is XXXX, but my total loans show a big balance of XXXX. Not sure what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express advertises their Blue Business Plus card ( for small businesses ) as having " 0 % APR on purchases and balance transfers for 15 months ''. I was assured by 3 different American Express telephone sales reps that that is correct. I applied, but the card I received has no such offer for balance transfers. I was then informed by 5 or 6 different customer service reps ( including one supervisor ) that there is no such benefit.

As of today ( XX/XX/XXXX ) the website still shows this offer at https : XXXX I think that is fraudulent advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For the past several years I've been reporting false education late payments listed in my credit report directly to all three major credit reporting agencies. I've also taken my dispute directly with the school " XXXX  XXXX XXXX '' and they have not corrected the matter. XXXX was the original education loan I obtained and was in forbearance when XXXX was sold my loan - I was never late and the problem was with the exchange between the two institutions on how they handled handover. 

This false information has impacted my financial livelihood and is making very difficult to deal with - please help.

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 2018-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I got a call from hospital personnel, about my survey and why I was not happy with my day nurse. I told her I told the nurse I needed formula and she wanted me the breastfeed and would not get me the formula. I told her I felt the nurse was shaming me for not wanting to breastfeed. 

She said since I was not happy with the service I got, that they would be waiving my copay I was not notified that they wanted be to pay, because of the agreement I did not receive any form notification that I was owing them. I was under the impression that everything was taken care off.

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 2018-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I paid my account in full on XX/XX/2018. The amount paid was {$110.00}. I apparently did not even owe this amount. The payment was never posted and I thought I still owed a balance so I made another payment of {$25.00} on XX/XX/2018. The total balance I actually owed was {$110.00} - minus the late fee I already disputed, brought my balance to {$81.00}. I stated to them I had paid on time and my bank shows the payment was in fact processed. They reversed the late fee, and now have posted the second payment of {$25.00}, however the first payment of {$110.00} has still not been posted. I faxed and emailed the proof of payment to them. They state it is going to take up to 2 billing cycles to rectify the missing payment - in the meantime they still expect me to keep making payments. They now show my account still owes {$10.00} of a payment and the rest of the balance due. ( And the payment is late according to them. ) Due to the " late '' payment they could potentially report that to the credit company, as non-compliance. I do not wish to keep sending a payment to a company for a balance I do not owe, when in fact, they owe me. My account is now paid twice over, as the outstanding balance is only {$56.00} and I have an outstanding payment not posted for {$110.00}.

I would like to charge them interest. It seems like a fair option. They would be charging me if I had not made the payment. They charge me interest monthly, and in fact lowered my credit limit, stating that they based it on my credit history with OTHER lenders. I have a good payment history with them and pay off my bill every couple of months. I also make double payments on all my other credit cards.

I just want them to post the payment that I have proven I made. Post it in a timely manner, They have cashed the payment, and thus are collecting interest on the money I supplied to them. I want my money back, with interest. I also do not wish to wait for them to issue a refund via check when they get around to it - if they can take the payment electronically - they should be able to refund my over-payment in the same method,

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 2018-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
1.Wells Fargo Mortgage ( " the Bank '' ) has held mortgage XXXX on my home since XX/XX/XXXX. 

2. I have made transfers from another Wells Fargo account to pay this mortgage since that time.

3. At no time have I been in arrears with the payment.

4. Unlike transfers to other accounts, to other persons or businesses, Wells Fargo 's online transfer system will not allow customers to amend or alter the transfer information for mortgage payments, so consumers must rely on the Bank to make any necessary changes.

5. In early XX/XX/XXXX, the escrow for insurance payments on this loan was removed since I make the insurance payment myself. ( See escrow cancellation letter from Wells Fargo attached. ) 6. Removing the insurance payments from escrow resulting in a reduction of monthly mortgage payment from {$1500.00}, payable in two installments on the XXXX and XXXX of the month in the amount of {$770.00} each, to a monthly payment of {$1300.00}, payable in two installments on the XXXX and XXXX of the month in the amount of {$690.00} each. 

7. On or about the XX/XX/XXXX I called the Bank to have the monthly payments changed to reflect the reduction in monthly payments and was assured this was accomplished. 

8. Subsequent checks to my online account showed the reduction in the required transfer amount had in fact, NOT been made. 

9. I spoke to the bank on four separate occasions, spoke to two supervisors, and was assured the issue was resolved each time. One of the Bank 's representatives said the matter would be resolved by XX/XX/XXXX and that an email would be sent to me confirming the resolution. ( See email from Wells Fargo dated XX/XX/XXXX attached ) 10. Despite the Bank 's representations to the contrary, as of XX/XX/XXXX, the reduced payment amount for monthly transfer has not been set up by the Bank. ( See screen shot attached, taken XX/XX/XXXX ) 11.  Given the Bank 's history of illegal practices, and the false representations I have received from multiple representatives about this issue, I have no reason to believe anything they say. 

12. I would like written confirmation that the reduced transfer payments of {$690.00}, payable on the XXXX and XXXX of the month have been set up by the Bank. 

13. The amount at issue in my case is not great, but given the Bank 's past practices, if this were done to millions of consumers, it would illegally enrich the Bank by a pretty penny.

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 2018-09-25 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: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
The house shows a volunteer repo i never agreed or received anything that the home was being foreclosed. I had a buyer at the time went to look at the home and had locks on the doors. Wired the full pay off balance from my back account and still shows a repo on my credit report when it should be a paid account. I am attaching files of where the money was paid by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: DC

Complaint narrative:
Hi XXXX, XXXX XXXX billed my insurance three times for the same services. My insurance provided them with the payment for the services that were rendered but they are still trying to collect the an amount from me that my insurance has confirmed is not due to them. Both my insurance company and myself have explained this to both the service provider, XXXX XXXX, and their credit collections agency, XXXX XXXX XXXX, in early XXXX. However, I still continue to get harassing phone calls from their collection agency. If it helps to rectify the issue the original XXXX XXXX XXXX XXXX claim numbers are Claim # XXXX, Claim # XXXX, Claim # XXXX. If you call XXXX of Tennessee with those claim numbers, they should be able to assist you with any information you may need. 

Thank you, XXXX XXXX Mobile : 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 2018-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Loan issued by XXXX XX/XX/XXXX for {$5000.00} USD, payment plan of {$490.00} per month starting XX/XX/XXXX. Paid to date {$11000.00} with an balance of over {$27000.00} to date. Excessive interest rate well over 200 %, this company is exploiting low credit score & Poor American people in these outrageous over the interest rates. I have been struggling repaying this loan back and they have been paid over 100 % to date. I seen an news report on my local TV station XXXX XXXX in XXXX XXXX XXXX XXXX about companies like this. Our current rental market is beyond ridiculous and to struggle to pay this loan will be the death of me. Loan currently has an XX/XX/XXXX payoff date. At this rate I still have a balance of {$27000.00} ( breakdown 56 months at {$490.00} ) this should be an illegal practice. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: BB&T CORPORATION
State: FL

Complaint narrative:
BB & T put a report that is preventing me from opening an account from other banks due to a issue they had with a joint account holders personal account.

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 2018-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
In XX/XX/XXXX we had a conversation with XXXX in the recovery department. She discussed a loan account that fell under the bankruptcy law. We told her that we filed bankruptcy and it was discharged XX/XX/XXXX. She still tried to help us make a payment. When we called to make our loan payment of XXXX we were transferred to her and she took the payment. Our regular payment bounced because she sent a payment through of XXXX on XX/XX/XXXX which is the entire loan amount. When we tried to get the issue resolved by the department supervisor and a manager we were told that the issue was going to be resolved. Two days later it posted again. On Saturday I had to get help from the credit union ( a stop payment ). I have assessed fees for that and the returned payment. The supervisor told me that he wasn't sure why our credit union let the payment go through if there weren't funds available. They also sent us a check in the amount of XXXX which we returned. Yesterday I got a letter stating they tried to take the funds again and we need to submit a payment because there was a stop payment on that amount. They are still going by bankruptcy information from XXXX. I was told by XXXX today who also refused to let me speak to XXXX XXXX who I was advised to speak to directly. This has to stop because we don't have that amount for them to take. This letter also shows that they violated the bankruptcy law because the date they last made contact was in XXXX well before the limit of the bankruptcy law would have ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been a longtime customer of XXXX. I made sure on my shipping details that I said : put package behind brown gate on stoop. I received two items ok, but the third, which I really wanted, was missing. It was supposed to be delivered yesterday. Yesterday morning tracking information read, there is a problem. The problem was that the driver left my package off his truck. Later in the day it showed he delivered this package with my two cd 's at XXXX XXXX. Upon checking behind my gate, there were no packages. I called XXXX customer service and they said maybe he delivered it behind another gate. I said how could that be!! My address is written clearly on the front of the building and mine is the only brown gate there. I asked to speak to a Supervisor. A woman named XXXX who said she was head of Logistics got on the phone. She was rude and condescending to me. She kept saying this package was delivered and I said where? I don't have it. She said I can't help you. You will have to call back after XXXX XXXX. I might be able to issue a refund. I said, I DO NOT WANT A REFUND. I WANT MY PACKAGE. She repeated this at least six times to me and I responded the same way. She said maybe it was stolen. I  said that makes no sense because my gate is locked. She kept coming up with excuses instead of contacting the driver to find out what he did.I have never dealt with such an arrogant person as this at XXXX before. I have an XXXX and XXXX XXXX XXXX. I made sure I took care of customers. I told her I was reporting her to various agencies. She didn't care. I even reported this to XXXX customer service and got no where. If this is the way I will be treated going forward, I will refrain from doing business here. I Never in my life had someone like XXXX tell me to go looking in the bushes. What bushes??? The neighbor 's bushes??? Is she crazy. Maybe I should go to the media with this. I am outraged with this person and the whole situation.

Company response to consumer: Closed with explanation