vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My Wells Fargo Credit card is inactive and I have been trying to pay it off and close the account for a couple of years now. Automatic payments were set up through Wells Fargo on three different occasions. These payments of {$200.00} a month were dropped at least twice. Back payments and late fees accumulated. XXXX XXXX XXXX has record of two years of payments initiated by Wells Fargo. Wells Fargo denies I ever made arrangements with 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 monetary relief
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I have received several collections on my credit report and disputed it because I have no idea where they came from. I asked for verification in the form of a document that would say I am assuming responsibility for the debt. RMP Services I have 8 accounts active. I would think it was the credit agencies job to verify accounts but no they just keep parroting whatever RMP says and verifying it or telling me to talk to them. I just need to see whatever I signed whenever I supposedly authorized these services. They are saying they already sent it but my mailbox was broken into. They stole a debit card and used it for {$1600.00}. They also stole any mail I had. I have a police report if you need to see it. I just need these accounts deleted immediately. 

RMP Services LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
In XX/XX/2019 I submitted a complaint ( # XXXX-XXXX  ) about a debt that was listed on my credit report that a debt collector refused to remove - although the case was dropped in the XXXX XXXX XXXX Court ( see attachment ). The company agree to remove the debt and it's since been removed from my credit report as an outstanding debt. Previous dispute response from Financial Management Services : " The records confirm that the suit was dismissed in court by consent, however, there remains an outstanding balance in the amount of XXXX. In the event that the consumer has documentation showing that the balance is paid as stated in the complaint, she should provide that information to this office. In light of the court dismissal, this office will agree to remove the debt from the consumer reporting agencies, but the account will remain open. '' However its still listed on my consumer report and my tenant screening report - when I attempt to rent. I have not been able to get approved for a place to live due to this information remaining.

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 2020-08-04 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: Pressler & Pressler, LLP
State: NY

Complaint narrative:
There is an outstanding debt of XXXX owed to XXXX XXXX XXXX. I have made payments towards this debt up until the point I filed for divorce ( late XXXX ) and it became impossible to do so because this debt became a debt that was part of my divorce litigation. I have reached out to XXXX to explain my situation and asked for a settlement/hold pending divorce and Judge 's ruling on responsible party for debt. My divorce proceeding was scheduled for XX/XX/XXXX but Covid has interrupted further proceeding. As of today, we are still waiting on a final date once the Court reopens. 

XXXX has refused to consider my situation and forwarded this debt to a debt collecting law firm without notifying me or giving me an option to settle this debt pending divorce settlement. Subsequently, I received a letter from the debt collecting law firm ( Pressler, Felt ). I have reached out to said debt collecting law firm on numerous occasion ( 4 times ) at which point no one have picked up the phone call. Approximately one month ago, I was served with a the attached summons at which point I promptly reached out to Pressler regarding my situation and explain that I can not answer this summons in Court since the Court is currently close except for essential services ( which this does not qualify for ). I explained my current financial situation in this pandemic and my pending divorce and this debt being an issue. I am unsure how to proceed with a summons that I can not answer given the fact that the Court is currently close and this can put my credit in jeopardy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
I have filed a complaint about this issue before, and it is still unresolved. ( See CFPB Complaint XXXX ). I have been attempting to deal with this issue for 7 months. XX/XX/2020 we submitted a request for PMI removal. Eventually, NewRez responded and sent a local Broker to perform a Broker Price Opinion to establish current market value for our property. The Broker did not provide an accurate valuation of our property, as he compared our 5 bedroom +Office, 5,262 square foot home on nearly 2 acres of land with homes which were 3-4 bedrooms, 4,000 square feet on lots in most cases less than an acre in size. He listed our home as having 4 bedrooms, 2.1 bathrooms, 3080 square feet. Clearly, this was inaccurate. Despite NewRez requesting him to update information when presented with this, the Broker did very little. I am currently involved in a formal complaint against him with the Tennessee XXXX XXXX XXXX. However, despite hundreds of pages of documentation supporting our claim that the BPO was inaccurate, NewRez will not refund us the BPO fee, nor have they responded to any request we have made to pay for a full appraisal of the property. I emailed them again XX/XX/XXXX requesting this be performed. I received no response. I emailed them again today demanding someone contact me about this matter, or else I will be taking legal action against them. I have hundreds of pages of documentation about this issue, which detail how the Broker undervalued our home. I disputed the issue as requested by NewRez and provided them 6 additional comparable properties. They sat on it and never did a thing. At this point, I am at the end of my rope, and am out of patience. I feel them to be negligent in their duties as servicer of my loan. I am attaching copies of all documentation relating to this issue. This is the 7th CFPB complaint I have been forced to file against this company. They do not respond to phone calls or email communication apparently, unless it is about a CFPB compplaint.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
THIS ACCOUNT IS NOT MINE I HAVE NO CONTRACT WITH PORTFOLIO RECOVERY. I REQUESTED A COPY OF A CONTRACT OR AGREEMENT WITH THERE COMPANY WITH WET SIGNATURES OR INFORMATION DELETED FROM ALL 3 CREDIT BUREAUS. INSTEAD I WAS SENT A SCREEN SHOT OF BILLS WHICH IS NOT A LEGAL DOCUMENT NOR WHAT I REQUESTED. THIS IS NOT MY ACCOUNT WITH PORTFOLIO RECOVERY. SINCE MY ORIGINAL REQUEST WAS NOT ANSWERED & THERE IS NO PROOF OF THIS FRAUD ACCOUNT THIS IS TO BE REMOVED FOREVER! 















BILLS FROM OR REQUESTED THIS FRAUDULENT ACCOUNT REMOVED. I WAS NEVER SENT THE INFORMATION REQUESTED BUT A SCREEN SHOT OF A SCREEN

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
I agreed to pay a settlement to XXXX XXXX XXXX for two different accounts XXXX and XXXX XXXX who my debt originated with. Also paid Debt Recovery Solution, LLL and XXXX XXXX XXXX. I was told it would update and be removed from my credit report. I would like to see this done asap. These collection are hurting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: GA

Complaint narrative:
I HAVE THESE FRAUD ACCOUNTS ON MY CREDIT FILE AND I FILE AND FTC REPORT BUT THE ACCOUNTS ARE STILL SHOWING ON MY CREDIT I NEED THESE ACCOUNTS REMOVE ASAP. 

1, U.S BANKRUPTCY COUT ACC # XXXX 2,XXXX XXXX XXXX # XXXX 3, XXXX XXXX # XXXX 4,  XXXX XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6, XXXX XXXX XXXX XXXX XXXX 7, XXXX XXXX XXXX # XXXX 8, XXXX XXXX # XXXX 9, XXXX/XXXX XXXX # XXXX 10, 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 explanation
Consumer complaint received 2020-08-04 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: GA

Complaint narrative:
I HAVE THESE FRAUD ACCOUNTS ON MY CREDIT FILE AND I FILE AND FTC REPORT BUT THE ACCOUNTS ARE STILL SHOWING ON MY CREDIT I NEED THESE ACCOUNTS REMOVE ASAP. 

1, U.S BANKRUPTCY COUT ACC # XXXX 2,XXXX XXXX XXXX # XXXX 3, XXXX XXXX # XXXX 4,  XXXX XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6, XXXX XXXX XXXX XXXX XXXX 7, XXXX XXXX XXXX # XXXX 8, XXXX XXXX # XXXX 9, XXXX/XXXX XXXX # XXXX 10, 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 explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
Plus Four Collections never mailed me a 30 day notice to this debt.

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 2020-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MA

Complaint narrative:
Hi XXXXERC ; For the last 30-60 days, I have been writing and getting on the phone with this company to resolve unknown debt on my name. I even talked to several representatives and they mentioned that they don't even have my social security number or DOB associated with this account. Therefore, I request that this be removed or provided all the details shown on the attachment emails I've sent to them. I was shocked that you guys still pre-printed all the templates of statements and send it to me. This is not a true validation of debt as described by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I tried to open an checking account at XXXX and they denied me due to wrong information on my account. They said I had a negative reporting from XXXX. I have never done business with XXXX. This is fraudulently on my account. How do I get this off of my information. The entity showing this on my profile is called Chexsystems.

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 2020-08-04 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 {$2200.00}. 
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. 

-- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -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 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've called Experian Credit Bureau starting on XX/XX/XXXX till today XX/XX/XXXX no person available only recordings ... no help then or now. Went to website and still- no help and had a form to mail so sent form overnight and they received it on Friday morning still no response as of today XX/XX/XXXX. Trying to purchase a vehicle and need them to unfreeze my account. Please help. 
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 2020-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I called Jefferson Capital Systems, today, XX/XX/2020. In an attempt to clear up, as in request a settlement on this collection notice on my credit report. I spoke to XXXX who was extremely rude, and constantly interrupted me and spoke over me. She gave me an amount of {$200.00}, to settle the account, to which I am in agreement to pay. I simply ask that they send me something in writing and I will pay it. They said they sent me something in the mail in XXXX which I have not received. I live in an apartment complex and our mail gets put all over the place. I have even had medication from the VA found in different mailboxes on at least two occasions. I said I would even take an email. I got tired of talking to her and asked for a manager. I ended up speaking to XXXX another extremely rude and disrespectful person. I told her that I would even accept an email while we were speaking on the phone and pay it over the phone. They refuse to send me anything until I gave my checking account information or debit card information. I cleared up an account with this company from a letter I had in my hand with an agreement. Please listen to the tape they have and you can easily hear me trying to make an arrangement to get this paid while be interrupted and spoken over which is very disrespectful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
Please provide Validation of Debt, Assignment of Debt, Method of Verification used. I will also send this request through the CFPB as I did not receive a notice in the mail to dispute this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: KEYCORP
State: IN

Complaint narrative:
Key Bank collector agency, Has refuse to Accept, My requests to stop collection due to the COVID-19 Pandemic executive order.

Myself I had take the time to email them I had take the time to mail document to the Main office in Ohio. They had not done anything to help me from collection then never follow the executive order. According to The collection agency Key Bank they don't follow order. 

This communication between they debt collector In my private telephone line it need to be stopped immediately.. They collect the agency has not stop trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have a Mortgage Loan with PNC Bank and I have setup Auto Payment with no End Date, which it said that it will scheduled till End of the Loan. But due to some glitch or error in PNC online Banking the auto pay ended on XX/XX/2019. So the payment was not made and account was reported as delinquent to credit agencies. I have reached out to PNC and requested to correct the report as it the the fault of PNC but they responded they reported accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: GA

Complaint narrative:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of accounts that are not mine : XXXX XXXX Acct # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Acct # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX   Acct # XXXX, These inquiries that are not mine : XXXX | XX/XX/2020, XXXX | XX/XX/2020, XXXX XXXX XXXX  | XX/XX/2020. I have contacted the FTC and the local police and I am doing this on my own behalf. I need those items removed as soon as possible please.

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 2020-08-04 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: GA

Complaint narrative:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of accounts that are not mine : XXXX XXXX Acct # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Acct # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX   Acct # XXXX, These inquiries that are not mine : XXXX | XX/XX/2020, XXXX | XX/XX/2020, XXXX XXXX XXXX  | XX/XX/2020. I have contacted the FTC and the local police and I am doing this on my own behalf. I need those items removed as soon as possible please.

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 2020-08-04 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: GA

Complaint narrative:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of accounts that are not mine : XXXX XXXX Acct # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Acct # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX   Acct # XXXX, These inquiries that are not mine : XXXX | XX/XX/2020, XXXX | XX/XX/2020, XXXX XXXX XXXX  | XX/XX/2020. I have contacted the FTC and the local police and I am doing this on my own behalf. I need those items removed as soon as possible please.

Company response to consumer: Closed with explanation