vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To whom it may concern : I have sent several letters to Experian/XXXX to validate XXXX XXXX. I advised them at the time of purchase I was incarcerated ( see enclosed ). I also ask XXXX XXXX to validate the said account and have not heard back. 
Each time that I send Experian letter to inquire about this entry on my credit profile, they send the same standard response. THE INFORMATION HAS BEEN VERIFED and that is was a joint account. 
I asked that Experian send me a signed copy that I agreed to this purchase. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) if they can not send me a signed contract or send Verification they must delete the entry.

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 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a Credit Card Debt from Capital One Credit card. I asked for verification and they sent me a copy of a letter from Capital One stating that XXXX XXXX XXXX has the debt, HOWEVER ; PRIOR to this, the debt was DISMISSED by XXXX XXXX, so this debt does not exist. It was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
EOS is attempting to collect a debt from a XXXX XXXX XXXX on behalf of XXXX XXXX. They were allegedly sent my phone number by XXXX XXXX. I have repeatedly ( XXXX times ) received calls from their team. I have repeatedly ( XXXX times ) told them that there is no one here by that name, that I do not know this gentleman, that he is not part of any social or professional networks, and that I have not done business with XXXX XXXX or any affiliated service provider. They deny that I am telling them the truth and keep calling back despite me advising them not to call me again and alerting them to the fact that my phone number is on the Do Not Call Registry. Nothing phases these people. 

If this were not troubling enough, I called XXXX this morning and after a series of transfers was directed to their Fraud department. They have no record of my phone number in their system and do not know how XXXX got my number so there is nothing that they can do to call off these dogs. So clearly there was a mistake made somewhere, but I am now being harassed. 

Anything that you can do to assist would be greatly appreciated. The calls during work are especially problematic as is the obtuse nature with which their employees behave.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: FL

Complaint narrative:
I received a copy of my credit report and there was a collection reported from XXXX XXXX XXXX but the bill was paid directly to the provider. There was a mix up with the insurance and it wasn't until a little later I was informed that my insurance coverage did not pay for it so I paid immediately. This never should have been sent to collections it was paid before this even started to report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XX/XX/2018 received a call from Navient that my student loans were in default : I explained that my student loans were in deferment. Navient stated as of two days before XX/XX/2018, it came across their desk that it was turned over to them in default. I explained that I haven't received anything stating my loans were no longer in deferment : Navient stated loans were in default and interest has been accruing and demand I pay something. Navient also stated the amount was {$250000.00} which is incorrect because one letter states I owe XXXX. Navient also contacted my children for my information. I also just received a letter stating my wages will be garnished by the IRS. They are not even trying to work with me to find out why my loans, all of sudden are in default and why are the amounts incorrect with added massive fees. I also checked the student loan databases and Navient has added these incorrect amounts to my student loans which are very confusing. That is not the amount I owe after I left school.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
Hi, I was contacted my XXXX with United Collection Bureau Incorporated for a medical bill that my husband owes - I do not owe this - and they keep harassing me. Futhermore, this is a debt he doesn't owe because we were told that our insurance company would cover it for my XXXX XXXX  XXXX XXXX. We paid money up front for this and I am being harrassed. I told these people at least twice, this is my husband 's debt and to not call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I called sunrise credit services to pay for a balance I had for XXXX XXXX however the representatives that I spoke with, stated an account from spectrum was opened in my name to an address : XXXX XXXX XXXX XXXX NY XXXX that I did not authorize and was not aware of. A debt of {$260.00} was attempted to be collected however I refused to pay because I never opened up an account for XXXX not did I ever reside at that location.

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 2018-08-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: IN

Complaint narrative:
We had an arson fire to our large garage and hired a company for board up service. The company we hired was XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, In. XXXX. One young man showed and put up s few pieces of cheap flake board on one garage door and a small window that the arsonist broke for access. This took an estimate of one hour. My mistake was not asking the charge for this. No contract. They billed me {$550.00} I was taken aback, needless to say. I think this is grossly excessive. My complaint went nowhere. They have sent this to a collection agency.

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 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I recently saw activity on my credit report that was not done by me. This item showed up on my credit report on XX/XX/2018 : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 I have contacted XXXX/Walmart at XXXX and they claim they have no record of an account with my information or any pending applications. XXXX  told me that they would need a letter from XXXX/Walmart in order to remove the hard inquiry. I can't get a letter from them because they have no record of any transaction using my info.

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 2018-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Banco Popular mortgage has 2 properties or lots that used to be ours and are on each side of our house and the house 's mortgage is with Banco Popular, all 3 lots have unstable soils and cost close to $ XXXX millions to repair or cure the 50 feet deep of unprepared soil that we inherited and we gave Banco Popular the soil studies to confirm our situation, We could sell those properties but we had to deceive or commit fraud against the potential buyer so we got hit and lose a lot of our capital, Banco Popular are offering these properties without the full disclosure that we gave them and the new buyers want to construct residences without the curing and ignoring the history of land slides in these properties, we just did another soil study and comparative topography of the area and just to reconfirm that lots are unstable and are worst and if the curing is not done will affect our house that is in the middle, all of this is confirmed by my structural and soil engineers, what can you do to help us? we had to bankrupt under chapter XXXX to protect us, BPPR just don't care and keeps hurting others because if the expensive curing is not done will damage our house, the new residence and life can be in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/14, I paid off a student loan with XXXX in full via debit card, over the phone, in the amount of {$4300.00}. Instead of applying the payment as directed the payment was distributed to all loans ( I had XXXX loans ). When I contacted XXXX and insisted the money be re-appropriated they did not close the loan instead kept the loan open as 92 % paid and charging interest. After numerous calls, they would not resolve their mishandling of my payment. Subsequently the loan is now with Navient and I am still dealing with the same inaction on this particular loan. In spite of my efforts to deal with this and the fact that I have a bank statement that shows the payment, they refuse to terminate this loan. On several occasions diverting payments from other loans I am repaying. It is obvious that this pattern is intentional with both agencies, and I don't know how, or who to resolve this matter. The amount they claim I owe is less than {$700.00} mostly interest since XX/XX/2014, but, I paid the loan in full, four years ago and feel I am being defrauded and not have to pay any further. I need to know where to turn to, so I can resolve this act of fraud by these agencies as it will unfairly affect my credit. In short, I WANT TO FIGHT BACK! but I don't where to turn sincerely XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-21 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Financial removed their bureau report from my account resulting in an upswing in points. Ally has twice reported the same account to my bureau report that, including late payments from XX/XX/XXXX and XX/XX/XXXX, that have been negatively impacting my credit again. I do not understand why the entire account is reporting after being removed from my credit report

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 2018-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I FILED A COMPLAINT WITH CFPB NUMBER XXXX REGARDING WELLS FARGO BANK, WE HAD BEEN COMMUNICATION OVER THE PAST YEAR REGARDING AN INSURANCE CLAIM REIMBURSEMENT. ON XX/XX/2018 I  COMMUNICATED WITH XXXX XXXX, XXXX XXXX ON A RECORDED LINE THE ABOVE NAMED REPRESENTATIVE OF WELL FARGO DID EXPRESS TO ME THAT HE COULD NOT UNDERSTAND WHY XXXX XXXX OF WELLS FARGO ALSO WOULD INDICATE THAT I WAS NOT A " PERSON OF SUCESSION '' WHEN IT WAS RIGHT THERE IN THE FILE ( THIS IS AVAILABLE SHOULD YOU DESIRE THIS RECORDED CONVERSATION ). ABOUT AN HOUR OR SO LATER I RECIEVED A SECURED EMAIL FROM XXXX XXXX ADVISING ME THAT I WAS NO LONGER " A PERSON IN SUCESSION '' AND THEY COULD NO LONGER DISCUSS ANY MATTERS WITH ME UNDER THE FAIR DEBT AFTER 3 CALLS TO MR. XXXX AND NUMERIOUS E MAILS REQUESTING A FOLLOW UP OR HIS SUPERVISORS NAME NO COMMUNICATION HAS BEEN RECIEVED. YOU ALSO CLOSED THE ABOUT CITED CASE XXXX AS THEY INDICATED THAT I WAS NO LONGER A PERSON OF SUCESSION. HOW AFTER OVER A YEAR PLUS OF INTERACTION WITH ME HAVING ME ENDORSE CHECKS FOR THE ESTATE, ENDORSE CHECKS FOR THE CONTRACTOR AND ENTER INTO CONTRACTS WITH THE CONTRACTOR, ALL SUMMITED WITH XXXX SHOULD YOU NEED TO REFERENCE ANY OF THIS MATERIAL. 
WE WOULD LIKE THE {$5700.00} RELEASED TO THE CONTRACTOR OR A CONTINUED DISCUSSION ON WHAT WELLS FARGO WOULD REQUIRE TO RELEASE SUCH FUNDS. LOOKING FORWARD TO YOUR RESPONSE.

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 2018-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a copy of my credit report and saw XXXX XXXX reporting an account with a XXXX balances. I was upset because I actually paid the provider 's office directly and it never should have gone to collections. There was confusion with my insurance company and once I was made aware that there was a portion I was responsible for I paid it right away.

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 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I reached out to Equifax by phone and mail. I explained that these same inquires were deleted and now they have repaired. I need those items gone and never appear again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I tried several times in XX/XX/XXXX-XX/XX/XXXX to open a checkings account, and to my acknowledge i was unable to open a bank account because they were previous accounts open up in my name, that i was unaware of. My identity was stolen in XX/XX/XXXX, but apparently many things were opened, received, and borrowed under my name. i requested a report from XXXX XXXX, and to my knowledge these accounts does not belong to me. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
On XX/XX/2018 I signed a three year lease agreement on a XXXX XXXX from XXXX XXXX. At the time the car was not on the lot but expected to arrive within the week. They had told me it is showing on their database as in transit to arrive soon. I left expecting my XXXX within a week at the latest. Two weeks went by and I left for a family vacation without my new car, which I  expected to have for the trip. During my trip they called me to come in for a courtesy vehicle. On XX/XX/2018 I received the courtesy vehicle and again they told me my car should be in this week. They stated the computer showed my car in transit. On XX/XX/XXXX, I made a phone call to XXXX railyard. The manager said that vin number was not showing in her system which means it was not on its way. After that, I went to dealership to complain and ask if they could give me one of the four XXXX 's that were sitting on their lot. They stated it was out of their hands and they could not because I had signed a lease to a particular Vin Number. They continued to tell me my car was showing in transit. I have also been in contact with cooperate headquarters. They could not give me any answers nor were they willing to help me. I wanted out of my lease and after three weeks, I never received an answer. On XX/XX/XXXX, after a phone call to XXXX, I learned my car was finally showing " in transit ''. It's arrival date was XX/XX/XXXX On XX/XX/XXXX, I went to XXXX to pick up the vehicle. They were not willing to make this situation right in anyway. They put the blame on cooperate and cooperate put the blame on XXXX. I was inconvenienced and lied to for almost two months and all XXXX offered was to pay my two lease payments ( which I never actually had the car ). I am very disappointed and completely unsatisfied with XXXX XXXX of XXXX, Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I used the XXXX app to send {$200.00} to my mother. Id used it before with no issues. My mother registered with XXXX so I added her as a contact. On the app, it said the money was sent to my mother and the transaction was completed. However, the last digit of her phone number was entered incorrectly, so the money was sent to someone else. 

I called Wells Fargo the same day to figure out why she didnt receive the money and they told me it was sent to an account with XXXX XXXX XXXX, which she does not have. When we realized the phone number was incorrect, I called Wells Fargo again to see what could be done. They filed a money movement claim, gave me a case ID number, and assured me they wanted to help me get my money back. 

However, on XX/XX/XXXX I got a letter stating the case was closed and there was nothing they could do. If Wells Fargo puts this service in their app to encourage customers to use it under the guise of it being safer than XXXX, why do they not protect the customers who use it? By offering it through their own app, they market it as something trustworthy and do not educate their customers about the potential risks or the fact that they can not help if something goes wrong. I expect my bank to protect me, especially when using one of its services ( the Wells Fargo App ), and instead am left wondering why they would partner up with a service that does not have customers best interests or safety in mind. 

Furthermore, the person who received my money must have also been a registered user already based on how quickly the money was transferred. ( It was not left pending, as it would have been if the user was not yet registered. ). Why didnt XXXX protect me and my money by checking that what I entered matched XXXX own records? They allow the contact to be saved with whatever name is entered by the sender. I feel like I was not informed that this was possible and assumed the information was correct because it saved with the right name. There is no step in place to protect the sender - even the confirmation step only shows the saved contacts name, not phone number, for final verification.

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 2018-08-21 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: DISCOVER BANK
State: MD

Complaint narrative:
In XX/XX/XXXX I scheduled a one time payment that would bring my account current. Days before that payment was due I received an email from the company stating that they were taking an amount which was not the amount that we agreed on so I emailed back saying do not take any payment from my account because that is not what we agreed on. Yet days later I found out that they took it anyway. When I notified my bank they fixed it and removed any overdraft fees. Now in XX/XX/XXXX I received a message from discover saying that they received my payment and they were thanking me. I immediately called them because I had never scheduled a payment with them. When I called the rep stated that they had signed me up for automatic payments and i let her know that I did not authorize that and due to me losing my job and being homeless I would not do that. She apologized and stated that she would cancel it I let her know that this was going to put my bank account in the negative and I didnt want that she said that there was nothing that she could do. I went into my bank and let them know that a transaction was probably going to come through that I did not authorize and they stated that they would keep an eye out for it. Well after days had passed I got an alert from my bank saying that my account was in the negative and I immediately knew why. I reached back out to my bank and she tried to file a claim but since it was rejected she said that she could not and that the credit card company would have to fix it which they refuse to do. I have spoken with them several times and I am getting nowhere. This all began with setting up a one time payment and discover taking it upon themselves to sign me up for autopay and now they will not fix this. After filing this claim I will be reaching out to any and every agency that I can to complain. I was even advised to reach out to them about a hardship program that they have for people that have fallen on hard times and they said that they dont have anything that can help my situation.

Company response to consumer: Closed with explanation