vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My husband and I opened up a Wells Fargo credit card account. we wanted to see how much credit we can get in order to get 0 % interest on a balance transfer from my husbands high interest XXXX  credit card ( card is only in his name ). When we got approved, we were notified that the amount we are approved was {$4000.00}. We decided not to go through with the card. ( no information was given regarding my husbands XXXX credit card. On XX/XX/2019, We were checking our accounts and realized that there was a payment of {$3600.00} made on my husbands XXXX card. We called XXXX and asked if they can tell who made the payment on the account because we didn't make any payments. They were not able to tell, they ended up reversing the payment. As soon the payment was reversed, we noticed a payment of {$3600.00} made on my XXXX credit card that is only in my name. I called XXXX again and they were able to find out who made the payment. I was informed that Wells Fargo did a balance transfer to their credit card without my authorization. Not sure how they were able to get both of our credit card numbers.XXXX is refusing to reverse the payment and Wells Fargo is not requesting to have the payment withdrawn.

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 2019-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: KY

Complaint narrative:
I was preapproved for a fha mortgage at Primary Residential Mortgage. We went through the approval process providing all information that they asked for, the whole time being told that everything was great and that we could close on our house in as little as 3 weeks. We sold our home intending on downsizing and improving our finances. Through no fault of our own, our previous mortgage holder did not report our house payments to the credit bureaus or correctly apply the payments to our bank statements. That credit union subsequently went under and was taken over by another credit union. The new credit union started to report our payments to the credit bureau on time and with no issues. We only had 8 months of payment history. Under fha guidelines the mortgage company doesn't need a payment history if your credit scores are above 620 which our 's are. We were denied after 45 days and we sold our house, so we were going to be homeless. We talked to another mortgage lender who said there was no way the should've denied us. After working with that lender the denial from the first lender appeared on the fha file and that lender can not ok the mortgage because the first lender reported that the denial was because of unacceptable payment record on previous mortgage even though they only have 8 months of previous payment history that is perfect as reported to the credit bureaus. We applied for the initial mortgage in early XXXX and was denied on XXXX XXXX. I contacted Primary Residential Mortgage several times to get them to correct the denial reason so I can go forward with another fha lender and they refuse and do not care that my family has nowhere to live. Do not ever use Primary Residential Mortgage. They are too big to care about people. They just care above the money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
Hello My name is XXXX XXXX I financed a car back into XXXX from credit acceptance XXXX, in XXXX I lost my job and husband in the same year and became behind on my payments. They came and took the car and they never sent me itemized bill or any options to get the car back. Some time in XXXX I was notified about this and I asked for an itemized bill or a statement for what for what owed them since the care was sold. At the end of XXXX I lost my job and now was looking for new employment. In XXXX and XXXX, I started to received threatening calls from a man but would never identify himself. He sounded like a scam or someone who was trying to scare me in to giving my information out. The calls stop and about 6 months ago they started again. I found a new job and have been working on my life and now my credit. this debit is 11 years old. I never had a chance to fight it or see if they cost was true and now because I am working again and working with agencies to help better my credit they have are now going after my wages ..This debit is 11 years old. This is a lot of money coming out my check and I don't believe I should be responsible for the full amount they are asking if any.. How long will this debit haunt me.. I am trying to get ahead and just like that i am pulled back down for a 11 year old debt. Is there any help for me. 
thank you for any assistance XXXX XXXX XXXX is the Attorney for credit acceptance XXXX. When I called them they said they will have to go to a storage and pull my file since it is old.. '' Ya think XXXX 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 2019-04-01 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: AmeriCollect
State: NJ

Complaint narrative:
I have three collections reporting from Americollect, I requested an investigation from them directly and from XXXX. I have not gotten a proper response from Americollect I am unsure of the correct reporting and I don't believe XXXX  has done a proper investigation into this matter. They just keep verifying the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Money was transferred through Wells Fargo on a XXXX account. A complaint was filed with Wells Fargo informing the person never sent the purse. A request was made to Wells Fargo to return the money and Wells Fargo said no. Wells Fargo should not be doing business with XXXX. Wells Fargo needs to note this on their Web-site and try to do more to help people from being scammed. 

Wells Fargo was on the news last year for fraudulent bank accounts which sounds like Wells Fargo doesn't have a problem taking money from people. And now Wells Fargo will not return my money. 

Date of Transaction : XX/XX/2019 XXXX # XXXX XXXX {$400.00} 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 2019-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: NJ

Complaint narrative:
I have requested validation in regards to the following collection, I got a printout from them saying the amounts, I don't know if that is the amounts I was told how much of it insurance was supposed to cover. I therefore requested more information to which I got no response yet they keep verifying this information the 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 2019-04-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2019, Equifax received an initial certified letter from me, disputing and requesting verification of various accounts reported by Equifax on my personal credit file ; the verification request included my social security information, as well as the accounts and account numbers in question. 

On XX/XX/2019, I received via regular mail a copy of my credit file dated XX/XX/2019. In their reply, Equifax has stated they have " verified the accounts '', and that they " have updated '' and/or " modified '' various fields within each account in question. 

On XX/XX/2019, Equifax received a follow-up certified letter from me requesting again to provide their method of verification of each account listed on the initial dispute letter. 

On XX/XX/2019, I received a response from Equifax sent via a regular mail, which included a copy of my credit file dated XX/XX/2019 which states similar information as their earlier reply which says they have " verified the accounts '', and the " have updated '' and/or " modified '' various fields within each account in question. 

Equifax has refused to provide their Method of Verification for the accounts listed in the dispute letter according to the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : " if requested by the consumer, a description of the procedure used to determine the accuracy of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' As stated above, Equifax received certified mail from me on Thursday, XX/XX/2019 at XXXX, but did not reply within the timeframe set forth in the above mentioned paragraph. Therefore, all items referenced in my initial dispute must be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: RI

Complaint narrative:
I received a collection notice for " XXXX XXXX '' which is my married name and my XXXX name, but I do not use it on any credit applications. 
The debt is {$180.00} plus {$17.00} interest. The holder is supposedly XXXX XXXX XXXX XXXX. 

This is not a valid debt. The collection agency ( Collection Bureau of America ) has failed to provide proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Medical Management, Inc.
State: CA

Complaint narrative:
XXXX XXXX debt was already paid in full and I would like that to be removed from my credit report or updated immediately please.

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 non-monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I. XXXX the bank on XX/XX/2019 spoke with a representative at citizens bank to see if I deposited {$50.00} if that amount of deposit would be sufficient. He stated yes. This morning I wake up and my account is overdrawn {$65.00} there stating that the {$50.00} I deposited wasnt not sufficient but it is. I had {$12.00} plus the {$50.00} is {$62.00} My 2 transactions arent coming out until XX/XX/2019. 
This bank wants to make up there own rules. And charge me XXXX twice.

Citizens bank. 
Now my account is going to keep getting negative until I can get enough money to cover the overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with 2 accounts listed under XXXX XXXX XXXX XXXX. I requested a validation on XX/XX/XXXX as there were accounts listed that I did not recognize as I have always had insurance that fully covers my medical. On XX/XX/XXXX I reviewed my credit profile again as XXXX XXXX XXXX XXXX had not responded and 1 account was reflecting as disputed however I never received validation and the other account was still reflecting as not disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX. Credit report was reviewed again on XX/XX/XXXX and the accounts are still reflecting on my report and I do not believe the accounts belong to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on the accounts and these accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and that all information is correct.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I borrowed {$300.00} from CheckSmart in late XX/XX/2019. I made a payment of {$100.00} om XX/XX/2019. I receive a monthly pension. When I went to pay off the balance, I was informed I still owed {$310.00} to get rid of the loan. The other option they were trying to get me to agree with, was to sign a contract to pay {$57.00} for 12 months. Then at the end of 12 months pay {$370.00} in one lump payment. Facing further entrapment if I failed to pay off the loan in full, I chose to sacrifice, and get it over with. I thought the new guidelines were written to help consumers get out of the payday advance trap by making sure payments went toward the actual balance. Instead, Checksmart is  defiant, and making matters worse for consumers. It's an insult, the way they take advantage of people who aren't good at math or don't have the option of paying the whole balance then and there. Wasn't the new rules supposed to start in XX/XX/2019? It seems like part of the {$100.00} I paid at the beginning of XXXX, should have gone toward the balance since the new regulations were supposed to have gone into effect then, or do I have it wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 2019-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
ATTENTION : HUD-OIG AND CFPB AMENDED XX/XX/2019 VA HOME LOAN OVER PRICE {$300000.00}. BUILTXXXX. 

XX/XX/2019 COMPLAINT AGAINST ( UWM ) UNITED WHOLESALE MORTGAGE. 

PRICE PLACED UPON THIS HOUSE WE BOUGHT IN XX/XX/2019, ISN'T EVEN WORTH. {$300000.00}. I DISCLOSED HERE BELOW THE CONDITION FINDING HUMONGOUSLY BAD. 

THANK YOU FOR THE INFORMATION : I CERTAINLY ASKING FOR HELP WITH OUR ( VA HOME LOAN ) THROUGH ; " UNITED WHOLESALE MORTGAGE '' HERE IN XXXX, ARIZONA. WE FELT LIKE WE BEING OVERLY CHARGED. AS FAR AS PRICE WISE FOR THIS OLD HOME WE BOUGHT FROM THEM ... IN THE AMOUNT OF : {$300000.00}. AND ISN'T WORTH THE PRICE. 

AFTER A MONTH WE MOVED IN..WE DISCOVERED SEVERAL DISCREPANCIES INSIDE THE HOUSE. IT DEEMED LIKE NO INSPECTION WAS EVER MADE TO THIS HOUSE BEFORE PUT IT ON THE MARKET. ACCORDING TO ITS CONDITIION. " DIRTY FLOOR, CEILLING LIGHTS & FANS AREN'T WORKING PROPERLY, REMOTE-CONTROL TYPE FANS & LIGHTS FIXTURED. SOME CEILLING BRACKET LEFT WITH WIRES HANGING WITHOUT A LIGHT BRACKET. 

SLIDING DOOR IN THE BACK TO THE SWIMMING POOL. AND PATIO CAN'T EVEN OPEN, WAS FULL OF MUD, AND DIRTS. WE HAVE TO SCRAPED THEM OFF CLEAN, IN ORDER TO FREE THE GLASS DOOR, AND SCREEN DOOR TO MOVE FREELY. 

THE SWIMMING POOL WAS ABSOLUTELY DIRTY FILTHY, CAN'T EVEN SEE " TILES DESIGNS '' DUE TO SCUMS COVERED IT. WE HIRED POOL PEOPLE TO DRAINED AND CLEAN-UP INSIDE, AND REFILLED COST US HUGE AMOUNT OF MONEY. SPRINKLERS WAS NOT WORKING AT ALL, EXCEPT ; WASTING LOTS OF WATER FLOWING EVERY WHICH-WAY ; AND NOT SPRINKLING UP AS IT SUPPOSE TO : COST {$700.00} DOLLARS. TOILETS, KITCHEN, GROVES ALONG THE WALLS INSIDE THE WHOLE HOUSE ITSELF ARE EXTREMELY DIRTY. 

WE DID SIGNED THE CONTRACT, and it falls under : " FALSE STATEMENTS STATUTE '' SECTION ( 2 ) Especially, the general federal Statute, 18 U.S.C. 1001, which makes it a crime in dealings with the federal government to ( 1 ) falsify or conceal a material fact, ( 2 ) make a materially false statement, or ( 3 ) make or use a document known to contain a materially false statement or entry. Wilful Concealment. 

To which ; Compensatory Damages, and Punitive Damages can be consider from the defendant 's conduct is deemed especially egregious. Discourage repetition of such conduct, and set an example for others who might be tempted to engage in similar conduct. 

We are asking for a Rectification price ; placed upon this house. Its NOT Worth {$300000.00} dollars. According to its condition ; NOT reasonable, logically justifiable or justified, conforming to or in accordance with established rules, standards, principles of LAWS AND CONSTITUTIONS. Also ; my Tax-Exemption and my VA home loan benefit, entitlement has not been considering, nor acknowledge at all. Still shown on ESCROW payment  legitimately. 

Respectfully : XXXX & XXXX XXXX XXXX XXXX VETERAN XXXX   XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX, Arizona XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I submitted an online payment of {$200.00}. to my Care Credit account managed by Synchrony bank on XX/XX/2019. After my account closing date, I received notice of no payment received. I immediately contacted Synchrony Customer Service they claimed the {$200.00}. payment was never received. I was forced to make a double payment to keep my account in good standing, then I disputed the non-payment issue immediately. Some how Synchrony Bank has lost the {$200.00}, and will neither refund it or apply it to my account, because they dont see where it went. I have submitted the information from my credit union, XXXX, showing that the electronic payment was sent and received by Synchrony Bank. While XXXX XXXX XXXX researched the matter, tooth the customer service manager and our local branch manager noticed that in the history of our payments to several different cards, Gap, Walmart, and Care Credit cards all held by Synchrony were bearing the same ACH number. XXXX managers both stated that this is highly irregular and was suspicious, as each individual credit card payment should bear its own ACH number. Synchrony also ran my credit right after my complaint and slashed my credit line down to the point it affected my credit score. They did a similar action to my wife several months ago, affecting her score as well. I feel Synchrony bank is practicing unfair and possibly illegal credit operations. I am again, faxing more information to them today, however, 3 months have passed and I doubt there will be resolution. I would like to either have the monies refunded to me with the same interest they charge me or the same be applied to my Care Credit Account. Thank you for your assistance. 
Respectfully, 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 monetary relief
Consumer complaint received 2019-04-01 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: GA

Complaint narrative:
Hello Consumer Finance, My name is XXXX XXXX and my dispute is with Experian giving me a very low credit score verse XXXX and XXXX. My credit scores with XXXX XXXX and XXXX  is a XXXX. 
Experian is giving me a XXXX based off the same creditors information provided to all three credit reporting companies. 

I made contact with Experian on XXXX2019, XXXXXXXX2019, XXXX19 and XXXX19 through email and my online communication was with XXXX, Experian Social Support Rep. 

I have paid my creditors on time and my debit/Credit utilization is 1 %. I can not believe Experian rating is 95 points less than the other two credit reporting companies. 

Best regards, 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 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: First Data Corporation
State: GA

Complaint narrative:
I was informed that I failed a XXXX test and I would like to dispute that accusation.

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