vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In late XXXX I had a hardship due to the hurricane that year. I called Wells Fargo and was given a work out plan. Instead of them putting the missed payments at the back end of the loan which other companies did they lengthen the process offering a modification which would have further extended my loan to a 40 year loan with a 6.75 % interest rate. When I declined the modification they explained over the phone that if I made payment and was behind just 2 payments it would avoid foreclosure. I expressed to the representative that I would make the payments which I did. I made two payments within two week of speaking to the representative. A few days later my payment was credited back to my account and I realized that something was wrong. When I called Wells Fargo I found out that I was in foreclosure. The representative had given me incorrect information and submitted foreclosure proceedings, in my opinion because I did not accept the modification which would have ultimately made the bank more money. Over the course of XX/XX/XXXX - XX/XX/XXXX I spoke with numerous representatives, most of them gave me conflicting information. An investigation was done and the Bank admits that I was given incorrect information but was not willing to accept responsibility or take my home out of foreclosure. I was harassed by people with my information and attorneys who wanted to either purchase my home or help me avoid foreclosure. Ultimately I was able to borrow money and pay almost XXXX which originally started off as few payments of almost XXXX. I would like a full investigation into Wells Fargo 's practices. They have been known in the past of shady practices and they obviously have not changed, they continue to take advantage of customers at their most vulnerable time. Please investigate the mortgage practices of Wells Fargo. I am expecting that this matter will be resolved

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 2020-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
***PLEASE REVIEW, URGENT INFORMATION REGARDING THE PRACTICES AND TACTICS OF COMMONWEALTH FINANCIAL***** I have never before in my life had an agency that is so incompetent and downright sleazy than this debt collecting company. Upon first review of looking up this company - immediately red flags. No one says ANYTHING positive about them, and for good reason. Let me tell you my story - I owe XXXX $ on a medical bill that I could not afford at the time. This bill went to collections, where Common Wealth Financial inherited by account. Upon first contact with them, they were aggressive, unprofessional, and exceedingly degrading. They were telling me, the customer, upon first contact, that not paying medical debt is illegal and that the account will incur interest with them, and that I needed to pay 1/2 of if off immediately to avoid more fees/other charges. They would not allow me to set up a payment plan - they told me that since my balance was " low '' for medical, that my treatment wasn't that extensive and that I should be able to pay it off since I'm " better now. '' This is so absolutely degrading and unprofessional and how they are still allowed to operate is beyond my comprehension - I am sure that this account, my story, is one of thousands since many people that I personally know can attest to the treatment that this " company '' is known for. 

I am not asking for my debt to be cleared. I am not writing this because I am upset about the debt. I am upset at the blatant disregard that this company has for the individuals that it is supposed to serve. Please look into this very closely. I am currently thinking about getting attorney representation for this. No one should have to go through this, and maybe with all of these accounts of negligence, they can finally be held responsible for their malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
ON XX/XX/20 I submitted a payment for {$100.00} in which they claim a computer error deducted. {$180000.00}. I called CITI XXXX about this payment process on XX/XX/20 was given a confirmation.number XXXX.Made two calls since one on XX/XX/20 spoke to a XXXX Supervisor was told it would take 10 days..Afterthe frist call on XX/XX/20 it would only take XXXX to 7 days to return funds to my account. Last four of credit card is XXXX Check noXXXX please investigate this manner Thank You

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 2020-02-20 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: ID Analytics, Inc.
State: CT

Complaint narrative:
I am not sure of where these inquiry came from, XXXX  and XXXX  inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: PA

Complaint narrative:
I recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft. 

The Accounts im disputing are - XXXX XXXX XXXX/XXXX XXXX   Account # XXXX Amount {$510.00} - XXXX XXXX Account # XXXX Amount {$4900.00} - XXXX XXXX XXXX # XXXX Amount {$4100.00} - XXXX/XXXX Account # XXXX Amount {$1600.00} - XXXX XXXX Account # XXXX Amount {$8400.00}

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 2020-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I do in fact owe this debt. I am experiencing a financial hardship. However, i am experiencing phone calls after XXXX XXXX. daily. As well as calls mulitple times throughout the day. This is unprofessional business practice. I have informed you to stop calling after hours. If this does not stop i will file a cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: AR

Complaint narrative:
I pulled my credit myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$0.00} XXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX AR XXXX {$320.00} XXXX XXXX   XXXX {$41.00} BANKRUPTCY CHAPTER XXXXXXXX XXXX {$0.00}

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 2020-02-20 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: AR

Complaint narrative:
I pulled my credit myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$320.00} XXXX XXXX   XXXX {$41.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-02-20 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: CT

Complaint narrative:
I am not sure of where these inquiry came from, XXXX and XXXX   inquiry

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 2020-02-20 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 6
16, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my 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 2020-02-20 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 was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me our a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$780.00} XXXX XXXX XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian is reporting 2 accounts from XXXX totaling {$2000.00}. I have no knowledge of these accounts. I received no goods or sevices from this company. These accounts should be deleted. The other agencies deleted these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/2019 at XXXX I purchased a diamond ring at JCPenny store XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX phone XXXX XXXX XXXX his name is XXXX, XXXX   XXXX told me about return policy. I returned a ring back to store at different location and they did not allow me to return a ring she told me " because of commission so we can do exchange '' or returning it back to same store where a ring was purchased. That did not make any sense to me so they did not issue return receipt even they have a ring. I left a ring with a jewelry department manager but no return receipt was given. I am a customer I followed the store policy I turned item with a receipt but they did not give me a return receipt that is the store 's problem. The ring was charged on the JCPenny credit card it is Synchrony Bank ( www.synchrony.com ) the bank has asked me for payment even I have made dispute of this charge due to returned item. 
I have attached documents for your review.

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 2020-02-20 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: MO

Complaint narrative:
XXXX XXXX XXXX ' not mine XXXX XXXX ' not mine XXXX XXXX XXXX  ' not mine XXXX XXXX  ' not mine XXXX XXXX XXXX  ' not mine XXXX XXXX ' not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: MO

Complaint narrative:
XXXX XXXX XXXX ' not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX  ' not mine XXXX XXXX ' not mine

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 2020-02-20 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I did not get this card. I have not lived in that apt since before it was dated. 
there is a XXXX balance that has not been paid- it is affecting my ability to buy a house. my credit has dropped significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
This is a follow up to my complaint XXXX. Given Freedom Mortgage has not replied other than to have someone named " XXXX '' call me from phone # XXXX and leave me a call back # XXXX which is a fireworks company in XXXX IN. 

I am submitting the document I sent them today ( for the 3rd time ) showing that their harassment of me is completely unfounded.

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 2020-02-20 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my 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 2020-02-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I spent several hours on the phone with GC, which is a debt collector for XXXX, and they took my personal information including new address and phone number. I received emails with documents to sign that were docu-sign and none of my personal information was updated on these forms. These forms look like the same forms that are on the studentaid.gov website that is filled out for paying back the loans. I had my wages garnished in XXXX without my knowledge for a while until my employer told me, or actually, the payroll debit was who told me, it was money network who told me, which was odd, and then my XXXX tax return of {$1300.00} was taken for the tax offset. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing on behalf of my mother, who is XXXX. I recently received power of attorney over her affairs. 

Starting no later than XXXX XXXX and possibly before then, somebody provided XXXX XXXX with the information necessary to charge their bill to my MOM 's account. As an elderly person, my Mom did not adequately check her bank statements and was debited via ACH over {$200.00} per month without any authorization. 

I contacted Bank of America and they disputed the previous three transactions and said that is all they can do. I contacted XXXX XXXX XXXX team and they confirmed for me that XXXX does NOTHING to verify that when they are given an account number and routing number, it actually is authorized. The name of the person who did this is NOT the same as my MOM 's or even close. XXXX said there was nothing they could do ( other than give me {$600.00} credit to MY XXXX account as my Mom has a phone on my account ). Keep in mind : my MOM has NO relationship with XXXX directly. She just has a phone on the XXXX network through my account. 

I think XXXX is skirting ACH rules that require their originating bank ( or them through contract XXXX to require further verification that a routing number/account number is indeed authorized to debit money from said account. Plenty of places use micro deposits or voided check to do this. XXXX told me multiple times they do NOTHING and rely on the consumer to protest invalid transactions. 

This is elder abuse. I want XXXX to refund ALL the money to my Mom 's 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 monetary relief
Consumer complaint received 2020-02-20 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: AR

Complaint narrative:
I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me our a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX {$780.00} XXXX XXXX XXXX {$230.00}

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 2020-02-20 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: AR

Complaint narrative:
I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me our a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX {$780.00} XXXX XXXX XXXX {$230.00}

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