vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Sensible Auto Lending, LLC
State: NC

Complaint narrative:
Ive reached out to the company numerous times Ive never had a car loan with sensible auto and its in my credit report Ive sent them documentation that I was a victim of identity theft.

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 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XX/XX/XXXX, I closed my Wells Fargo checking and savings account. I received a statement stating that I owe {$11.00} for fees after my account was closed. In addition, the branch manager provided me with a check for {$21.00} for the remaining balance in the accounts. On XX/XX/XXXX, I called Wells Fargo to inquire why I was charged additional fees. I was told by case management that the only way to have my fees reversed would be to return to the branch and request that the bank manager call their internal collections for a waiver. I no longer have account access to see all of the charges.

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 2018-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My account was closed because the business i set up was under a XXXX " XXXX XXXX XXXX XXXX " which does not matched my name. I opened the account with my first two check that i got. I was already advertising and working with my XXXX. I opened my account at my local wells fargo bank. with no hesitation they took my money and deposited. other to say that very conviniatly for the back the teller that opened up my account summited my social security and i tin number incorrectly. two week later i got a latter in the mail stating that my account had been closed XXXX XXXX 2014. since then I 've been calling for three years non stop to get my funds back i have talked to many representatives and have given them XXXX certificate a copy of my drivers license, rent with my business name. i still have no luck. i will take all matters into consideration because is a form of theft.

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 2018-01-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to fix my old mortgage reporting for over a year submitting over 10 letters & documents. 
XXXX reports mortgage derogatory. Enclosed documents from lender directly contradict that report. 
All three CRA 's fo NOT report my succesful history UP TO THE BANKRUPTCY. 7 years of missed reporting. 
COMPLETE HISTORY FROM LENDER ENCLOSED.

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 2018-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I receive several calls a day from XXXX for no reason. XXXX reveals that they call people several times a day to harass them about collections. My phone is setup to reject their calls by allowing only a single ring so I never talk to them. Even so I get several calls a day 7 days a week. As for collections, my credit is perfect with no reason to be getting any calls from collection agencies such as XXXX. 

Any help with stopping such calls would be appreciated. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I was contacted by XXXX in XX/XX/XXXX about my social security being apart of the XXXX breach. I was told by XXXX to order a copy of my credit report and review it and the all collections and accounts are correct. In XX/XX/XXXX I contacted XXXX  about a collection from Southwest Recovery Systems account number XXXX in the amount of {$5500.00}. I made numerous attempts in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to southwest recovery systems to see if they  could send me proof that this was my collection and account. I was unable during those months to get in contact with the company as the line would disconnect every time after the third ring. I contacted XXXX who then requested a police report. I made a police report with the city of XXXX in month of XX/XX/XXXX. I was able to get in contact with Southwest recovery to send me verification of this account with XXXX XXXX XXXX. On XX/XX/XXXX I received an email from a XXXX XXXX who works at Southwest Recovery Systems. She sent me over a pdf of my account detail bill with resource property management. I do recall going to court with this company back in XX/XX/XXXX. I had a judgement in the amount of {$2600.00}. This amount included rent for XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} and legal fees of {$150.00}. There are also two late fees in the amount of {$230.00} & XXXX for XX/XX/XXXX & XX/XX/XXXX but I was no longer living at the address as I was ordered by a judge to vacate in XX/XX/XXXX. I moved into my apartment at XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX sent a detailed bill for {$5100.00} But southwest recovery systems has placed a collection for {$5500.00}. Both amounts are incorrect. The {$5500.00} has not been corrected by XXXX XXXX XXXX. The correct amount to be reported is {$3100.00}. As of today this amount has not been corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
td bank was not allowing me to access external applications so i was not able to transfer bitcoin into usd into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo bank offered a hurricane relief plan for there customers a 90 day plan to put the payments at the end of my loan. But instead they ask for all 90 day payment in full or I would be put in default of my loan .Sent me letters asking for the payment added late charges every month on my statement. They was to help me and I feel that they did not.

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 2018-01-17 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: MS

Complaint narrative:
On XX/XX/XXXX I mailed a certified letter for disputes in to Equifax along with a copy of my drivers license and social security card as proof of identity. I also mailed a copy of my complaint filed with the Federal Trade Commission. On XX/XX/XXXX I called Equifax to get an updated status of my disputes. I spoke with a representative by the name of XXXX, after telling the rep the reason for my call she initially pretended as if the company did not receive my letters. After stating that everything was sent certified mail and that it has been confirmed that the company has indeed received my documentation the representative stated that the inquiries were factual. I asked the rep what documentation has been provided to confirm that the inquiries were done on my behalf as well as asked that verification be sent to me. The representative stated that I could not be provided the information. I stated that according to FCRA law I have the right to know what is being reported on my credit file as well as any validation or verification. I stated that my disputes should be investigated under the provisions of the FCRA, 15 USC 1681li. The representative then stated that she could not help me and that I would need to be transferred to another department. I asked the representative if all detail information was included in my written letter how is it that I now needed to be transferred after asking for documentation that she claims are factual. I asked the representative for her name again for my reference and she replied that her name was XXXX which was not the name that she gave at the beginning of the call. The representative was very rude and ugly with trying to help me with this matter. Not only was this very unprofessional but it makes the company look bad as a whole. 

The inquiries that were included in the letter are as followed : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: AZ

Complaint narrative:
For some years now this has been popping up on my credit reports. Have disputed in the past because my sister whose name is XXXX XXXX has on multiple instances taking my identity and used it to get bills like gas electric water and cable wherever she would be staying. I thought I had this taken care of 2 years ago but it popped back up 6 months ago. Now it is time that we are looking for a home and I I just called and paid XXXX XXXX to there collections department. Not too ERC group. I have contacted all letting everyone know that this was my sister taking my identity. I did not go as far as getting a judgment against her for taking my identity I have just been paying for it. Like I said I paid for it on XXXX XXXX 2018 direct to XXXX collections department. I would like this removed from my reports as soon as possible. 

Thanks 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 2018-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
XX/XX/XXXX I responded to a petition from Zwicker & Associates suing for old debt. I received no other communication or notification from said company until XX/XX/XXXX, which was a copy of a petition filing for summary judgement on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX responded to my complaint to your agency ref # XXXX they stated the account was closed and returned to XXXX and that they had instructed the credit bureaus to remove the account from my credit report. 
I just received updated reports today XX/XX/XXXX showing Convergent verified this account on XX/XX/XXXX after they stated it would be removed. they are now in violation of the FCRA as well as FDCPA

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 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
FRANKLIN COLLECTION SERVICES purposely damaged my credit and caused me harm in order to get money from me that's not owed them.  I don't owe XXXX to FRANKLIN COLLECTION SERVICES  and was not given the opportunity afforded me by the FDCPA to dispute the claim until after it was placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I received a debt collection letter back in XXXX when I was residing in XXXX florida from a company by the name of Procollect for the amount of {$8100.00} resulting from XXXX XXXX. As a result, I never heard of this company or the apartment complex XXXX XXXX. The letter stated that I lived there back in XXXX which I never lived there. As a result, I contacted the company I 've gotten no response as well as disputed the fraudulent information off of my credit report they have denied my dispute and causing a huge issue on my credit history as well as credit score. When I contacted the Renter XXXX XXXX I was told they have never heard of me and they have no record of me in their system whatsoever.I do n't even know if the company Procollect is a legit company because they wo n't give out their license number as well as remove this off of my credit report. They used to send harrassing debt letters in the past which I disregarded with this outrageous balance.This company is a fraud 180 customers have complained about this company falsely accusing people of a debt that is not theirs. Also, customers have complained about this company not resolving their issue.

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 2018-01-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello I have been with this mortgage company for 12 years and I pay them every month, I disputed how they were reporting my information they have been effecting my credit score for years so I sent a letter to the bureaus to pay attention to my report and they still are neglecting to correct their mistakes. I will list mistakes now 1. High Balance is missing 2. Payment history showing 120 days late for over a year how is this mathematically possible? Does this sound right? The Limit is also missing.

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 2018-01-17 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 pulled an Experian credit report on XXXX18 and I noticed a name that does not belong on my report. Can you please remove : XXXX XXXX XXXX. 

Thank you 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 2018-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I 'm attempting to link my TD Bank account with my XXXX  account in order to purchase cryptocurrencies but I am being prevented from linking the two by TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
Paid mortgage in full on XX/XX/XXXX and have not received escrow refund. Mortgage ( ditech ) company has told me I have to wait another 30 days. The mortgage company has stated that the check was processed on XX/XX/XXXX and would not discuss taking any actions until the 30 days expires.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have called Navient through the years trying to negotiate settlement or repayment options. I had a XXXX loan which is now XXXX due to them never working with me. If I said I could only do XXXXmonth that was never acceptable. It always went into forebearance. I am about to his collections with them and need to try and stop it. Please help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: AZ

Complaint narrative:
Navient is my loan servicing company and I submitted an application for a renewal of the IBR plan I was on on XX/XX/XXXX. I received notification on XX/XX/XXXX that Navient received my application. On XX/XX/XXXX I received notification from Navient that they needed a letter for my spouses income. The letter from Navient states if you dont have this income documentation then you can provide a signed statement explaining the income. I provided this documentation as my spouse is a XXXX XXXX XXXX or self employed. That is the last communication I have received from NAVIENT!. I called them today XX/XX/XXXX and I was informed that 1. No one at Navient has looked at my IBR APPLICATION since XX/XX/XXXX, 2. I was told that we no longer qualify for IBR because my wife was making less money then in previous years. UHHH???? And they will not accept the letter I sent in because that is only for self-employed individuals. Form XXXX is a tax form that reports the year-end summary of all non-employee compensation. The XXXX form covers rent, royalties, self-employment and XXXX XXXX income, crop insurance proceeds and several other kinds of miscellaneous income. The explanation for them not sending me anything for over 10weeks about my application was that the documentation come in on different days. WHAT? Navient is the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, my son received a call from a creditor asking for someone else. I answered the phone at around XXXX XXXX and it was XXXX XXXX calling for some woman. I informed them that this was not her number but that of my son. I told them to change the number to reflect that it was not her number anymore. Then I received a call from XXXX XXXX again at XXXX XXXX asking again for the same person. I told them that again to change the number for this is not the woman 's phone number and that I would be filing a complaint against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XXXX 2017, TJX Rewards sent me a new store card that I activated to replace my old store card. I thought it was the same card - only usable at TJMaxx and its partner store. I tried over the past month to log in to my account to check and pay my balance but the card was not listed on my account and it said my old card had expired. 

I learned today after talking to customer service : the new card they sent is actually a XXXX that can be used in other stores like supermarkets. I imagine this is now on my credit report. It was misleading to send me a XXXX I did not ask for, since it was disguised as a store card. I do not want my credit report to show that I am opening new credit cards. 

I would like to close the account, but I worry that will affect my credit score. I also suspect that account managers and executives at TJX receive kickbacks for opening XXXX  under the TJX logo, similar to the XXXX XXXX XXXX situation last year.

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 2018-01-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have no knowledge of this 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