vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On or about XX/XX/XXXX I charged gasoline at a XXXX XXXX on XXXX XXXX and XXXX. At that time, my card was evidently recorded without my knowledge and subsequent charges were made on XXXX between XXXX and XXXX at multiple locations. Upon receipt of my XXXX statement, I informed them of the fraudlent charges and cancelled my card. I believed the matter was solved, but I have subsequently received serveral calls and emails from initially, XXXX XXXX. After explaining the situration, I thought the matter was resolved. Recently, I had an email exchange from LVNV Funding LLC regarding the same charge which was {$1200.00}. After I explained ( again ) the fraudlent charge, I thought the matter was resolved. Yesterday I noticed on my XXXX credit report a collection was filed on XX/XX/XXXX. I state again, this is not my charge and it should be removed from my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding LLC has not provide me with the information requested and is currently reporting inaccurate information on my XXXX and XXXX XXXX consumer report which is hindering me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have attempted to resolve this issue with TRANSUNION multiple times. Do to a language barrier with all TRANSUNION representatives this is nearly impossible. 
I am requesting the following inquiries be removed. These are not mine. 

( XXXX XX/XX/2021 ) ( XXXX XXXX XX/XX/2021 ) ( XXXX XXXX XXXX XX/XX/2021 )

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 2022-01-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I leased a XXXX XXXX from Toyota Financial Services in XX/XX/XXXX. All lease payments were made on time - and even in advance. I had paid everything through XX/XX/XXXX when I returned the car to a Toyota dealership on XX/XX/XXXX but it appears that it took Toyota a couple of months to process the paperwork. I have called them numerous times, and even attempted to send them the receipt from the dealership showing that I was no longer in possession of the car since XX/XX/XXXX - all to no avail. They don't accept emails and apparently their fax number is never monitored. 
Toyota Financial Services posted a late payment note on my credit report for the month of XX/XX/XXXX, almost 2 months after I returned the car, and they won't bulge. They won't even return my calls! 
My XXXX credit score, which I monitor through a service, went down from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. It is unacceptable that I should pay a price for their highly disorganized services and their total lack of customer support. I will never lease a car with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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:
I have sent out multiple letters to XXXX and Experian regarding a bankruptcy that they have published on my credit report. I have provided both documentation from the court and a copy of my XXXX report that PROVES the reported bankruptcy should NOT be on my credit report. Both agencies continue to provide me with generic responses and neither agency has responded to my multiple method of investigation request.

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 2022-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I have three collection accounts with Harvest Associate. I sent a request for validation of these accounts several times to this agency. They refuse to send me anything. I have medical insurance and met all of my deductions. This is against the law. These are Erroneous accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NJ

Complaint narrative:
Received an email about act XXXX from a debt collector saying they want XXXX Or they will garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo has reported inaccurate information, late payments, to all 3 major credit card companies. 

The problem originated with Wells Fargo when they failed to notify me, via email, that on XX/XX/21 they deleted my mortgage auto-payments.

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 2022-01-26 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: GA

Complaint narrative:
I have sent out multiple letters to TransUnion and XXXX regarding a bankruptcy that they have published on my credit report. I have provided both documentation from the court and a copy of my XXXX report that PROVES the reported bankruptcy should NOT be on my credit report. Both agencies continue to provide me with generic responses and neither agency has responded to my multiple method of investigation request.

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 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
XXXX applied to refinance mortgage due to promotional {$1000.00} credit towards closing XXXX approved for new mortgage but {$1000.00} closing credit was not listed and were told the credit would be in the final paperwork XXXX & XXXX contacted loan originator and processor about lack of credit in final paperwork XXXX emailed loan originator about the matter XXXX rec 'd email from loan originator that verified the promo code for the {$1000.00} was on the initial loan application XXXX rec 'd email from processor asking the closer to look at our loan XXXX loan originator called with " great news '' that after a lot of back and forth with different people/departments that the " promo code for {$1000.00} was on the initial contact '' and that in " 7-14 days '' we " should receive a {$1000.00} check! '' XXXX called about check since it was not received XXXX spoke to XXXX who could not resolve or direct our call, but said she would email our loan originator to contact us. 
XXXX I am submitting this complaint to your bureau.

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 2022-01-26 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: GA

Complaint narrative:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

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 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: CA

Complaint narrative:
I vacated military housing in XXXX California and I returned my cable equipment - router/modem, cables and remote control to XXXX XXXX via FedEX to the address provided by customer service. My cable and internet service was discontinued via my cancellation on XX/XX/202 because I was moving. 

The FedEx delivery confirmation states the package containing the equipment was received @ XXXX am XX/XX/2021 and signed for by a person identified as : XXXX. 

A company called XXXX XXXX sent me a notice for " XXXX XXXX '' for {$100.00} in XX/XX/2021. I responded with a certified letter that the debt was in error and the equipment was returned. I included the confirmation of FedEx delivery with the letter. No response or resolution was ever communicated to me via XXXX. Never heard from them again. 

Now as of XX/XX/2021 I have a new company - Collection Bureau of The Hudson Valley, XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX citing reference # XXXX stating the same thing- I owe them {$100.00} for unreturned XXXX equipment. This collection is in error. I contacted them via their email procedure and included the delivery confirmation as an attachment. 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
This debit is not mine please have it removed ASAP. Someone used my information to open a phone account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: PA

Complaint narrative:
I was overlooking my credit report and noticed some misinformation on it. I noticed a credit card was opened in my name using my information somehow. I never gave anyone my information or permission to use it this was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Santander bank closed my account without warning and charged me a {$50.00} XXXX fee. They claim they sent me a letter about this but I never received any such correspondence from Santander. 

They are liars and they STOLE {$50.00} from my account. 

As you can see from the attached bank statement, they STOLE {$50.00} from me on XX/XX/XXXX. And then sent the remainder of my funds to the State of New York.

I filed a complaint with the New York De
partment of Financial Services but they told me I had to file my complaint with CFPB, which is what I'm doing right now. 

The bank sent me an email with a contact name and phone number. I spoke with Executive Office Advocate XXXX XXXX from Santander bank on XX/XX/XXXX. She can be reached at ; office hours are Monday through Friday XXXX to XXXX Phone XXXX She is a liar and basically assumes that I received their correspondence informing me of my accounts inactive status. But just because the bank mailed it doesn't mean I received it!

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 2022-01-26 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: AES/PHEAA
State: WA

Complaint narrative:
Back in XX/XX/XXXX, I resubmitted my employer certification forms for the past 5 years essentially. ( XXXXonwards ). With the new PSLF waiver : " Past periods of repayment will now count regardless of whether you made a payment, made that payment on time, for the full amount due, on a qualifying repayment plan. '' So after i submitted my Employer certification form, I never received updated payments on 7 ineligible payments I made back from XXXX. I was told after about 3-4 months, I should verbally call for a recount. This would cost me about XXXX if not included, as I would have to make those payments later on under a different income. These ineligible payments were at a time period where there was little information given on how to qualify for PSLF. Payments as low as XXXX cents that were missed. 

I attempted to contact myfedloan multiple times, including most recently today XX/XX/XXXX. The only thing that happens, is I get transferred over to another PSLF department, and never get through to anyone. I have the ID # of the phone call if that helps, who transferred me again to PSLF department and have been waiting >30min with no person I've been able to ask for an official recount on those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: OH

Complaint narrative:
During the course of 30 years, my student loans have been closed, transferred, and resold to various financial lenders ( Direct Loans Servicing System, XXXX XXXX, XXXX, Nelnet, and the Department of Education ). After reviewing my credit report I notice several inconsistencies regarding the account DEPT. OF EDUCATION/NELNET # XXXX in the amount of {$56000.00} and {$66000.00} both payment status section. XXXX is reporting a balance with derogatory payment status. XXXX is reporting a balance of {$66000.00} a current payment status and XXXX is reporting a balance of {$66000.00} and {$56000.00}. Now all three of these balances cant be accurate. In addition, DEPT. OF EDU/DIRECT LOAN SERVICE SYSTEM XXXX and XXXX reported closed {$0.00} balance on XX/XX/2013. These student loans have been closed, transferred, and resold to various financial lenders ( Direct Loans Servicing System, XXXX XXXX, XXXX, Nelnet, and Department of Education. These accounts appear to be furnished by the same creditor so why is all the provided data differently? It is your duty to ensure that all information reported is consistent and most importantly, accurate and you have failed to do so. Please INVESTIGATE, REMOVE/DELETE these ERRONEOUS ITEMS IMMEDIATELY. Let this be a formal complaint against XXXX XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: NY

Complaint narrative:
Hello I am writing because I am having continuous issues with the three credit bureaus and my credit report. I have sent numerous letters to the credit bureaus and I have even submitted a few complaints with CFPB and I am now submitting this complaint again and a complaint with the XX/XX/XXXX. On Transunion, XXXX, and XXXX they're reporting portfolio recovery accounts that are in violation of 15usc 1681e-d. These companies like to get away with whatever they want. I have sent numerous letters to the credit bureaus and the only thing that portfolio will send me is a bill that is not validation of a debt. They have never provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX recovery. That means I have no contractual agreement to pay them an alleged debt. I am also writing here because XXXX XXXX agreements is reporting an account as an installment account and it is a sales agreement please delete this account from my report immediately, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 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: NY

Complaint narrative:
Hello I am writing because I am having continuous issues with the three credit bureaus and my credit report. I have sent numerous letters to the credit bureaus and I have even submitted a few complaints with CFPB and I am now submitting this complaint again and a complaint with the FTC. On XXXX, XXXX, and Experian they're reporting portfolio recovery accounts that are in violation of 15usc 1681e-d. These companies like to get away with whatever they want. I have sent numerous letters to the credit bureaus and the only thing that portfolio will send me is a bill that is not validation of a debt. They have never provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXXXXXX XXXX. That means I have no contractual agreement to pay them an alleged debt. I am also writing here because XXXX XXXX agreements is reporting an account as an installment account and it is a sales agreement please delete this account from my report immediately, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: NJ

Complaint narrative:
I sent Trans Union a dispute regarding XXXX XXXX XXXX and the validity of this fraudulent item on my consumer report. Nothing has been done about this account that does not belong to me.

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 2022-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commercial Trade, Inc.
State: CA

Complaint narrative:
Had medical plan at the time, but the doctor decided to bill it anyway even thus medical doesn't allow beyond defined cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
We have been business customers of Wells Fargo for close to three years and started having a problem late summer of XXXX with holds being placed on deposits made to our business IOLTA account. We would make deposits at the branch and be given a receipt the funds would be available the next business day. Only to receive an email the next day saying a hold had been placed on the deposit. This did cause issue with one client being disbursed funds. The reason for the holds was " refer to maker '' The branch tried to tell us that the check might not have cleared and that is why a hold was placed. This is not true or accurate as it would have come back as a deposit return. We had a meeting with the branch on XX/XX/XXXX that included bank employees XXXX XXXX, XXXX XXXX and XXXX XXXX. We were told that the holds were being placed because of a change to their system and they apologized for the frustration it had caused. That this would stop and that XXXX would be our point of contact if hold issues arised. Everything was fine until XXXX of XXXX, when holds started being placed again. I tried to contact XXXX and got no response via either email or phone. Than I had a hold placed on a deposit and two days later made a second deposit that was more than two times the amount of the deposit that had been held. This deposit was not placed on hold. All of the deposited checks were drawn off of XXXX XXXX XXXX. I tried again to ask that this hold be removed as I could tell from the collected balance that the funds were received by Wells Fargo and the branch refused. Stated that the hold was placed to " protect Wells Fargo '' The branch is arbitarily placing holds on deposits and I feel the branch management does not even understand hold policy or procedures. Why a hold would be placed on a smaller deposit but not a much larger deposit being drawn off of the same bank and within days of each other, makes zero sense. I try to call the branch and get no answer, just short rude emails from XXXX. I contacted Wells Fargo customer advocate on XX/XX/XXXX, she also attempted to call the branch multiple times and did not get an answer. I have been told Wells Fargo has increased their holds due to the pandemic and fraud however we have been customers of Wells Fargo since before the pandemic, we keep multiple accounts, have never bounced a check, had a deposit returned and we keep a six figure balance most of the time. To be treated as a possible threat of fraud to the bank is horrible customer service. I would like Wells Fargo to treat us as valued clients

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