vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I have a workers compensation case that I haven't had to pay any medical bills for in the last year except I keep getting harassed by XXXX XXXX XXXX and emergency for bills I have tried to resolve from the very beginning XX/XX/XXXX is when i used their services. They have sent the bill to several creditors to collect on their behalf. the most recent letter dated XX/XX/XXXX which i have 30 days to resolve. since, I have called them in the past to give my claim number and my representative 's contact info, yet the continue to harass me. my human resources rep at my work has tried to contact the debt collector they will not speak to her, they also insist that the insurance company call THEM to verify the validity of my claim, without looking into it. today ( XX/XX/XXXX ), when I call trying to resolve it, they ask for all my personal info, but wont use it to resolve the issue. They person I spoke to from the agency even told me they'd hang up, even though they're harassing ME for over a year now. they say they have tried to contact XXXX XXXX ( my rep at XXXX -- the insurance company handling my bills ) she says she has not evidence they ever did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was a direct hit of Hurricane Irma XX/XX/2017. I was told by Wells Fargo that they would give me a 90 day disaster relief with no questions asked. I was told the owed amount would be put on the end of my loan. After my disaster relief period I have paid my mortgage faithfully every single month. Recently Wells Fargo as put my home in foreclosure status. They have listed on my credit that I have numerous missed payments. I went to refinance my home and was told I had 6 missed payments EVEN though I have faithfully made my payments after the disaster relief. I was DENIED refinancing because of this reported " missed payments '' and " foreclosure status ''. So now I'm facing ruined credit score and the possibility of losing my home. How could a company do this to someone after faithfully making their payments. They said the only resolution is to pay the {$7000.00} plus in owed payments. If I accepted the " disaster relief '' then how would I be able to come up with over {$7000.00} just like that?! I'm disgusting by Wells Fargo and the lies they told us victims of Hurricane Irma.

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 2018-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been a loyal American Express card member for many years, and reach out to you in regards to the current XXXX offer to save 10 % up to {$100.00}. 


This offer was saved to many of my cards. 

I spent {$1000.00} on multiple cards, and received the {$100.00} statement credit on each card. 


I subsequently spent {$1000.00} on more of my cards and again received the {$100.00} statement credit for each card. 

There was a technical glitch with a few of my business green cards, where the system didn't recognize the charges hence the credits didnt post I had numerous conversation 's withthe American Express online Technical Department, namely XXXX and XXXX, and a case was opened with the Amex offers team to rectify the error. 



I received a response confirming that " all '' the cards were in fact eligible for the credit, and If said credits didnt post within 90 days they would manually process the credits. 



Attached is the email received on XX/XX/XXXX asserting the offer is limited to {$100.00} total per card member, and anything above that will be charged back. 



If American Express considers each card a separate product membership as it pertains to annual fees, it must also consider each card as a separate entity eligible for the offer In question. The fact that all the cards were initially credited, clearly indicated you concur with the above noted contention. 



The charge backs are dubious and we request they be reversed, anything less that would not fall under the umbrella of fair and honest business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
DEMAND FOR REFUND OF UNPAID WELLS FARGO PAPER BILLPAY CHECK NEVER RECEIVED BY PAYEE. 

Submitted bill Pay payment. Recipient never received the paper check that bank says they mailed. Followed up with the bank using their online " Make an Inquiry '' and stated that this payment was never received by the recipient, creating claim # XXXX. Bank records indicate the check never cleared. 

Wells Fargo provided a response that implied they would actually take action to resolve the claim. However, they have done nothing, and only communicated with me when I followed up last week. Their followup was meaningless and suggested they have done all they can do. They did not do what they said they would do in the message. See copy of their XX/XX/XXXX response at the end of this message. 

Wells Fargo Claim : XXXX Payee Name : XXXX XXXX XXXX Payment Amount : {$200.00} Payment Reference No : XXXX Schedule Date : XX/XX/XXXX # # # XX/XX/XXXX Claim : XXXX Payee Name : XXXX XXXX XXXX Payment Amount : {$200.00} Payment Reference No : XXXX Schedule Date : XX/XX/XXXX Dear XXXX XXXX : We are writing to update you with the current status of your claim referenced above. We value our relationship with you and are committed to addressing your concerns and making the claim process seamless for you. 

Based on the information provided in your claim, our initial research has determined that we sent this payment as you requested ; however, we want to help you resolve the issue with your payee. 

To help you resolve the issue with your payee we will : 1. Contact XXXX XXXX XXXX 2. Work with XXXX XXXX XXXX to determine what information they need to locate and/or refund your payment - If we need additional information from you, we will contact you via phone/email - If XXXX XXXX XXXX requires your authorization to talk with us, we will attempt to reach you via phone and initiate a conference call with the payee 3.We will send you email ( s ) to inform you on our progress by sending updates to your secure Messages & Alerts inbox at wellsfargo.com and we will notify you when updates are ready for you to view To request copies of documents we used to make our initial determination, please contact us using the methods below, and have your claim number XXXX available. 

If you have questions or need further information about your claim we would be happy to assist you, please call us Monday through Friday from XXXX XXXX. to XXXX XXXX. Pacific Time at XXXX. 

Thank you. We appreciate your business. 

Online Claims Wells Fargo

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 2018-09-04 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: SC

Complaint narrative:
I sent letters to the 3 major consumer reporting agencies on XX/XX/XXXX and XX/XX/XXXX asking that they remove or block all accounts and inquiries that were showing as a result of fraud. I asked that if any accounts were verified that the proof be sent to me, my request were not honored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04 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: MO

Complaint narrative:
I have on numerous occasions filed a dispute for fraudulent information on my EQUIFAX credit report. I'm a victim of identity theft ( 2 times ) and disputed 3 inquires be removed from my EQUIFAX credit report. They have refused to help every time. I have talked to the company that made the inquiry and they closed or canceled any pending applications. The inquires come from XXXX XXXX. Someone tried to open a credit card in my name several times. I was also part of the EQUIFAX breach in XXXX and they still refuse to remove these negative items from my credit report. This is unacceptable and they should comply with my request and remove these fraudulent inquires from my report. EQUIFAX also continues to use a previous address ( 12years ago ) as my current address, even tho when I file a dispute on their website, I use my correct current address. 

I hope someone can help me and I have received no help from EQUIFAX. They continue to deny my request. 

XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card XXXX. 

XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card XXXX. 

XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
American Education Services Management needs to make a concerted effort to improve the AES website for borrowers AND co-signers. I am a cosigner for my daughter and recently attempted to setup recurring payments to her loan account while she's in school. There appears to be one option to setup recurring payments, snail mail to XXXX, PA, then watch and wait to see when change is actually implemented ( no indication of whether payment amount can be changed at later date as loan amounts grow without submitting another snail mail form ). Before throwing in the towel and surrendering to the snail mail form ( s ), I'm going to get my daughters login information to see whether i can withdraw direct from my account from her account. This process is nothing like other online processes, as online banking/bill and loan payment, online investment houses, online shopping, etc. AES Has made an already frustrating process even more miserable. Someone who understands the process needs to redesign your website and simplify the online payment process for both the borrower AND the cosigner. I suggest using online banking with online bill and loan payment options as your guide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: FL

Complaint narrative:
On XX/XX/2018 I called XXXX XXXX customer service line to have my balance and close my account because I was transferring my balances to my XXXX XXXX. The Customer service representative gave me the amount of {$610.00} and told me that if they were any over payment they will send me a check. On XX/XX/2018 I paid the balance that I was informed {$610.00}. On XX/XX/2018 XXXX XXXX submitted a check of XXXX for the over payment ( I attached a picture of the check to this reclamation ). Recently I received a call that I owe money to the credit card company. I explained to over 5 different representatives my situation and they were very rude and didn't want to deal with the situation. Now they informed the credit bureau as they say I am delinquent. This situation is turning very stressful as they are affecting my credit and don't want to even check the proof that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have requested Equifax to remove the security freeze from my account. I got successful confirmation via PDF receipt and phone. When trying to set up a new gas account, however, I was told that the credit freeze still existed. Previously, when trying to set up my security freeze with Equifax ( when they had the data breach that compromised my information ) they were extremely difficult to work with and it took me several weeks to the put the freeze into effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: State Collection Service, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX ( {$270.00} ), and XX/XX/XXXX ( {$430.00}. Police reports filed in the state of which I reside. Disputing the validity of the debts with the credit bureaus with validated status returned with no proof of claim. I'm not sure how theses accounts were opened and being reported in my name but i've stressed nearly all resources to get them resolved. Contacted company requesting validation of debt but have yet to receive anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
On XX/XX/XXXX I checked the status of my credit report and discovered a new derogotory remark on my record. It was a debt for XXXX cable home services from XXXX. Trident Asset Management is the collection service on behalf of XXXX XXXX XXXX. XXXX bought the debt from XXXX and is now trying to collect from me. I called XXXX 's in house recovery team to locate the original account ( despite knowing that I have never held a XXXX account ) and they verifed that they have never had an account number of XXXX held by XXXX XXXX ( or XXXX ). I contacted Trident Asset Management to dispute the debt, and they requested I provide proof of a different internet service provider. I am still awaiting documentation proving my subscription to XXXX internet services during that time. I have told Trident Asset Management over the phone and in writing that I never owned that debt and refuse to pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I used two credit cards of Bank of America to pay for a product belonging to " XXXX   Mastermind company ''. After the payment to this company I was supposed to receive a service, which they didn't provide it ( which this company has done this to many people, they are fraud and scam, which everybody including me has filed a complaint to FTC which you can see the complaint here in this link http : XXXX ) therefore ; I contacted the BOA and asked for dispute and I provide them with plenty and needed documents. The BOA did not do anything about it and they just say that because the contract says it is " nonrefundable '' they can not do any thing about it. I used other credit cards for the same issue, like XXXX and XXXX the accepted my reason and they really worked on it and they resolved it. 
the amount is {$5200.00} on card ending in XXXX and {$5000.00} on card ending in 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 2018-09-04 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: SC

Complaint narrative:
I sent letters to the 3 major consumer reporting agencies on XX/XX/XXXX and XX/XX/XXXX asking that they remove or block all accounts and inquiries that were showing as a result of fraud. I asked that if any accounts were verified that the proof be sent to me, my request were not honored.

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 2018-09-04 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: SC

Complaint narrative:
I sent letters to the 3 major consumer reporting agencies on XX/XX/XXXX and XX/XX/XXXX asking that they remove or block all accounts and inquiries that were showing as a result of fraud. I asked that if any accounts were verified that the proof be sent to me, my request were not honored.

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 2018-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Vehicle was repossessed on XX/XX/2018. I called Bridgecrest ( XXXX XXXX ) to see what amount I could pay to retrieve the vehicle. I was told that I had 2 weeks to pay this amount. When i went to get the vehicle, it had already been sold. I was told it was sold at an auction but i was never notified that the vehicle was going to auction. I also never received a notice of the amount that the vehicle sold for.

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 2018-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have multiple fraudulent transactions on my account. Someone stole my phone and my wallet from my house. It had to be one of the babysitters because they knew my pin, which is my gate code. And the only people that know my gate code and are my relatives and the babysitters. 

- XXXX 's XXXX - {$1.00} - XXXX XXXX - {$5.00} - XXXX Withdraw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL - {$22.00} - XXXX Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX {$15.00} - XXXX Withraw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL - {$100.00} - XXXX Withraw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX is defrauding consumers by not awarding points according to a promotion 's terms. 

I have an XXXX XXXX Visa card. They run a promotion several times a year, and each promotional period they cheat me and other card holders out of hundreds of points. 
The promotion states that for 3 months, the credit card holder will receive XXXX additional points each day they use the credit card for a purchase outside the XXXX XXXX brands. 

During the most recent promotion, on 8 separate days when I USED my card ( that is, took it out and made a transaction ), I did not receive the XXXX points. My account summary shows incorrect transaction dates. I called customer service and provided details of each transaction and requested the missing XXXX points. I received a letter dated XX/XX/18 stating their points were correct and they would not be issuing me the missing points. I filed a complaint with the XXXX XXXX XXXX. In response, Synchrony sent me a letter insisting their records are correct and they were going to give me XXXX extra points as a " courtesy. '' They stated they go by " transaction date '' in rewarding points. I tried to tell XXXX XXXX in this complaint that their " transaction '' dates do not correspond with the dates I " USED '' my card ( which is the wording in their promotion ) and that I had proof. They were unwilling to look at my proof. Synchrony sent me a print-out of my activity summary, including transaction dates. I will use their own printout and my receipts to prove they are intentionally defrauding consumers. I am attaching their letter to me and two sheets they sent me showing how they awarded points based on transaction dates. Two examples : Note their records show a transaction date of XX/XX/XXXX for Lowe 's at {$5.00}. Note that my receipt shows I USED my card on XX/XX/XXXX ( NOT XX/XX/XXXX ). And Synchrony Bank 's records show they did not give me the XXXX ponts for USING my card on XX/XX/18. Another example : Their records show a {$3.00} Walmart transaction date of XX/XX/XXXX. My records prove I actually made that transaction -- aka USED my card -- on XX/XX/XXXX. So instead of giving me XXXX points for the Lowe 's transaction that actually WAS done on XX/XX/XXXX, they wrongly applied the XXXX points to the Walmart transaction and did NOT give me the XXXX points for the Walmart purchase on XX/XX/XXXX. That's called fraud. The last two times they ran this promotion, they also cheated me out of hundreds of points.

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 2018-09-04 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: AL

Complaint narrative:
I sent letters, along with my identification, and a Federal Trade Commission XXXXdentity Theft Affidavit to the 3 major Equifax, XXXX, and XXXX  on XX/XX/XXXX and XX/XX/XXXX asking that they remove or block all accounts and inquiries that were showing as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: TN

Complaint narrative:
EQUIFAX HAS WIPED MY ENTIRE CREDIT REPORT CLEAN ... ..ITEMS I PREV DISPUTED AS BEEN PLACED BACK ON MY REPORT IN WHICH IS AGAINST THE FAIR CREDIT REPORT ACT. FIRST SOUTH FINANCIALLY WAS REMOVED OFF MY REPORT ON XX/XX/18 UNDER NUMBER XXXX THEY HAVE ADDED IT BACK TO MY ACCOUNT.

Company response to consumer: Closed with explanation