vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
The caller identified herself as XXXX and that she was trying to collect a debt. When I asked her for info on the creditor she stated that she was not given that info. She said the debt was for over {$4800.00} but she was offering a settlement for just under {$1500.00}. When I told her that the debt had been paid in XXXX, she stated that we had been ripped off and that I should XXXX the company. The credit bureaus no longer have a record of this debt since XXXX. She threatened several times that her attorney WILL be taking us to court immediately.

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 2020-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This account continues to report inaccurately as delinquent on my credit report. I have contacted the company on various occasions in XXXX, XXXX and XXXX to correct. However to date this matter has not been resolved. I requested proof of past due status as reported XXXX - XX/XX/XXXX ; and CO from XX/XX/XXXX - XX/XX/XXXX ; however I have not been provided any validation of the 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 2020-04-24 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: EQUIFAX, INC.
State: AR

Complaint narrative:
This account continues to report inaccurately as delinquent on my credit report. I have contacted the company on various occasions in XXXX, XXXX and XXXX to correct. However to date this matter has not been resolved. I requested proof of past due status as reported XXXX - XX/XX/XXXX ; and CO from XX/XX/XXXX - XX/XX/XXXX ; however I have not been provided any validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This account continues to report inaccurately as delinquent on my credit report. I have contacted the company on various occasions in XXXX, XXXX and XXXX to correct. However to date this matter has not been resolved. I requested proof of past due status as reported XXXX - XX/XX/XXXX ; and CO from XX/XX/XXXX - XX/XX/XXXX ; however I have not been provided any validation of the 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 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to CFPB regarding inappropriate actions taken by Shellpoint Mortgage/New Rez, the mortgage servicer who services my home loan. Shellpoint was not paying my taxes on time despite receiving monthly escrows and constant phone calls from me urging them to correct this error. On XX/XX/XXXX I contacted CFPB for a status update since I hadn't received any feedback. In turn, CFPB shared a letter addressed from Shellpoint to me indicating that they acknowledge the error ( see attached ). However, Shellpoint also said that due to anticipated tax increases my escrow payments will be increased.This is not accurate because ( 1 ) my property taxes have not changed and are not scheduled to change anytime soon ( see attached tax bill for 2020 ), ( 2 ) in NJ property taxes do not change unless your property has been altered, which is not the case in my situation and 3 ) taxes are determined XX/XX/XXXX of the previous year, so my taxes are pre-determined. " In New Jersey, taxes on real property -- land and structures -- are assessed based on their value on the first day of XXXX of the year that precedes the first installment of the tax bill. Your property tax bill is divided into four installments due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. '' I have been in the same house for nearly 17 years. 
Based on the above, there is no basis for Shellpoint to increase my escrows. Again, my desired resolution here is to be allowed to pay my taxes directly as I do not trust the practices of Shellpoint ; they are known to be nefarious. 

cc : NJ Consumer Affairs Attorney General Office of NJ Department of Banking & Insurance of NJ

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: OR

Complaint narrative:
I recently got a call today from a company called XXXX  I honestly have absolutely no clue what this is all about. When I tried to callback I get a automatic system robot not a actual human being. No actual person, or name or reference to what this is pertaining to. I do not have any outstanding debt from this so called company. Please inform them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am in the process of refinancing my mortgage with Wells Fargo, the current holder of my existing mortgage. On XX/XX/2020, I was asked to sign a release for multiple years of my tax returns. I was also asked to sign a form titled, " Borrower Consent to the Use of Tax Return Information. '' I reviewed the form with my attorney, who recommended I cross out the lines allowing use of my tax return information for purposes of " marketing '' and " as otherwise permitted by applicable laws, '' leaving in the sections on " providing an offer '' and " originating, maintaining, managing, monitoring, servicing, selling, insuring, and securitizing a loan. '' On XX/XX/2020, I was asked via the online system to resign the form without the crossed out sections. On XX/XX/2020, I was told by the Wells Fargo agent I am required by federal law to sign this form, including allowing Wells Fargo to use my tax information for marketing purposes. Is this a true statement? Why would I be expected to agree to use of such personal information for marketing and unspecified purposes?

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 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion freezes my account at a different periodicity then they do my husbands. 

I am using my husband as an example because we have had the same experience. 

When we moved to XXXX  from XXXX XXXX- Transunion froze my credit report without informing us. They claimed that they thought my identity was stolen, however my husband 's profile was experiencing the same changes and his credit was not frozen. 

It took no fewer than 12 hours on hold, and cost us more hotel rentals and kept us from getting in to a rental property by a week. 

Today I attempted to check my credit again, and my account is frozen. There is no way to talk to a representative and I was on hold for hours. 

I want transunion to have to talk to customers before freezing account and they should have to tell people when their account has suspicious activity.

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 2020-04-24 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: MA

Complaint narrative:
I noticed i had a fraud alert on my credit report active until XXXX XXXX i thought alerts lasted 1-2 years before re-instatement. I have made serval attempts to have the alert removed temporary or permanetly. I have called the Experian and nobody ever answers. I have sent certified letters and nobody responses. I had finally spoken to a representive that supposalbly removed the alert or phone number verfication alert, But, evevytime i apply for credit i get denied do to the alert on my report. i have tried so many times to contact all agencies but nobody answers the phone. I need to remove the alerts and confirm my phone number is updated correctly which it shows on my credit report to be correct.I have had the same phone number for 20 years

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 2020-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Aldous and Associates falsely Reported collections on my Credit Report! 
This is not my account, Nor has this company contacted me to prove so!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My auto loan company failed to advise me that the automatic payment withdrawal from my bank account wasn't posting to my account for 2 months ( XXXX & XX/XX/XXXX ). I received a letter from the auto loan company XX/XX/XXXX stating that my account continues to be in default. As soon as I was notified of this, I checked my bank account for accuracy, found out that my automatic recurring payment was only active for 6 months, did not receive any notice from my bank account either that my automatic recurring payment would be ending, but my bank has also changed names 2 times. My account is current, however, my credit score has been NEGATIVELY impacted due to this issue that could have been easily avoided with communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
i had XXXX  XXXX service which was automatically applied to my credit card on a monthly basis.Icancelled that service within the required time period and returned their equipment.Icalled CAPITAL ONE, my card company and told them the XXXX account was cancelled not to accept or apply any requests for payment to my card, their represenative who are in XXXX XXXX assured me they had put a stop order for any transactions from XXXX XXXX XXXX  ; i called back several to assure there were no charges being applied again all in XXXX XXXX XXXX XX/XX/XXXX i got a bill from capital one and there was a charge for {$100.00} for XXXX XXXX that they assured me would not be applied.i called CAPITAL ONE they told me they did not know what happened or why the transaction still posted., they did not offer to help or fix the problem and after spending hours on hold and numerous calls all to no avail ; i had no recoursebut to cancell the credit card. i also sent a letter to capital one customer center in utah and have heard nothing from them.this company is terrible you cant get a phone number for any office in the U.S. all the numbers listed for calls end up in XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP
State: OH

Complaint narrative:
XX/XX/XXXX, {$750.00}. XXXX called and left me a voicemail saying that I needed to pay this amount or they was going to have me taken to court. Said that they mailed a letter to me 45 days ago which i have never received. I asked them for a " validation notice '' which he refused to send me one stating that it would give me another 30 days? Got his name and phone number and asked him for an address where to send payment to, which is a P.O. Box in California. I've tried to look up their company online and cant find it anywhere " XXXX  XXXX XXXX '' address XXXX XXXX XXXX XXXX California # XXXX. XXXX XXXX extension # XXXX Phone number XXXX. ID # XXXX. When i first called them they said they were transferring me to the legal department and put me on hold and someone picked up but never said anything for about 2 minutes so i hung up and tried calling the number back from a different phone and it said that it was disconnected. XXXX XXXX called me back on that number several minutes later. He stated that he had my email, ssn, address, phone number and email and was going to email me a letter to notarized within the next 40 minutes which i have yet to receive. The debt that I allegedly owe is from XXXX which after doing some research in the state of Ohio the statue of limitations is 6 years on any debt as of the last day the account was used or paid. I called who he said that the creditor was, US Bank  and they stated they sold the debt in XXXX to XXXX XXXX XXXX XXXX. I spoke with XXXX which said that a debt that old is out of its statue of limitations and that it sounded like a scam to him. He also gave me his main headquarters number XXXX and said i should call them as well. When i spoke to XXXX XXXX he explained that XXXX XXXX XXXX is who he was trying to collect the debt for now and after looking them up on the internet i seen that the owner is being charged in a {$76.00} XXXX dollar scheme. It just seems all to fishy to me. Especially when they are refusing to send me a written validation notice which is required by law.

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 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I had taken my sick pet to the vets, he was going to need immediate care. I only had a limited amount of funds on my person, so the vet recommended this credit card ( Credit Care ) as a means of getting my dog into XXXX asap. At the time the service had a special rate going on ( waived the interest ). I had been paying the card monthly without fail. The limit was for {$3000.00} ( that was in XXXX ). I have never failed to pay the monthly bill, but today XX/XX/XXXX, I find out that after Six years of paying this bill I still owe XXXX. I called the company ( Synchrony Bank ) and they told me that during the time of getting the card I was only given the special interest rate if it was paid within the 12 months. After the first year and it was not paid in full then I was being charged 26  %  Interest rate.. So, in 5 years on a {$3000.00} credit limit I have already paid back Double that, plus, they say I still owe almost another {$2000.00}, which does not include interest if I only pay the minimal amount due. Please help. Had I known then the cost I would never have applied for the card ... but for my pet being very ill. I have paid addition {$500.00} dollars ( XX/XX/XXXX ) to try to get closer to a pay-off and not incur these High Interest Rate ( 26. %  ).

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 2020-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Beginning XXXX, XXXX up to and including XXXX, XXXX, the Bank charged my checking account a Client Analysis Fee that I never agreed to neither was I consulted about ( See Exhibit 1 ). In addition, the Bank, for same period, charged me the regular service charge, to which I agreed ( See Exhibit 2 ). The so-called Client Analysis Statement is a fraud designed to deprive customers of their funds in order to increase the Bank 's profit ability. I wonder how many customers have been subjected to this fraud. It's important to investigate and rectify this situation.

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 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
We reached out to our Mortgage Provider Select Portfolio Servicing for a Forbearance due to the crisis as we did not have sufficient income coming in to pay the mortgage. They gave us a 90 day forbearance and over the phone they said that those payments would simply go on the end of the loan. Not too much longer after we recieved a statement in the mail that we were approved for the forbearance but we would owe all 3 months plus late fees at the end of the 90 days. We feel like this impossible to repay if we have little to no income now how are we going to have not only the normal payment ready to pay but 3 MONTHS additional owed plus LATE PAYMENTS. Which would be almost 4000 dollars plus an additional payment. Now they are sending us constant email reminders about we need to try to pay if we can afford to and that it would help avoid additional late charges as well back balance due! Are normal payment is around 900 dollars a month.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Midwest Recovery Systems
State: WI

Complaint narrative:
I received an email from XXXX XXXX stating there was a change to my account on XXXX. 

Upon further investigation through the app I discovered a false claim that I had withdrawn a payday loan on XX/XX/2020 in the amount of {$1100.00} from XXXX XXXX. ( This is how XXXX XXXX has it listed ) Outside of the TV commercials, I can only assume that it is XXXX XXXX. ( it has some weird guy in a cape offering money in the commercial. ) I do not take out payday loans. Even during this covid-19 crisis I have no need to get a payday loan. 

I will also point out that my credit score was in the mid 700 's but this hit knocked me down to the mid 600 's. 

I assure you that a credit score in the high 700 's does not come from having debt. 

I tried to contact the creditor accusing me of this debit ; Midwest Recovery Systems but this seems to be a fraudulent company. 

When I call, they claim to have high call volumes and put me on hold. There is no music and then after two and a half minutes they ask that I leave a message. I have tried this multiple times with the exact same result. 

I left a message only stating my name and phone number with no other details. This company has not returned my calls and I am not comfortable using their email contact as they are asking for personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I called Equifax to dispute fraudulent activity on my credit report after submitting several dispute letters. The representative told me it's their policy not to dispute fraudulent activity and directed me to file an FTC report and a Police report to dispute. XXXX, Employee # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: PNC Bank N.A.
State: NY

Complaint narrative:
On XX/XX/2020 and XX/XX/2020 PNC Bank charged my account XXXX each time without telling me they would do so. They said I signed an agreement 6 years so saying they might do that but haven't produced the agreement. They started these charges right in the middle of the pandemic. Grossly unfair. I contacted them on XX/XX/2020 ( XXXX XXXX and XXXX XXXX ) and they said there is nothing they can do. If it started in normal times I would have noticed right away but these are NOT normal times. Companies should be trying to help consumers, not hurt them, during this time. They said I received emails on this but they never tried to call or send a letter or anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-24 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I noticed i had a fraud alert on my credit report active until XXXX XXXX i thought alerts lasted 1-2 years before re-instatement. I have made serval attempts to have the alert removed temporary or permanetly. I have called the XXXX  and nobody ever answers. I have sent certified letters and nobody responses. I had finally spoken to a representive that supposalbly removed the alert or phone number verfication alert, But, evevytime i apply for credit i get denied do to the alert on my report. i have tried so many times to contact all agencies but nobody answers the phone. I need to remove the alerts and confirm my phone number is updated correctly which it shows on my credit report to be correct.I have had the same phone number for 20 years

Company response to consumer: Closed with explanation