vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a customer of Wells Fargo Mortgage for 13 years. I have had an adjustable mortgage since 2006. I noticed this week that my payments of XXXX every two weeks was not properly being calculated correctly for interest and principal. I just noticed that I haven't received and documentation on this matter, since I was on a debit transaction from Wells Fargo from my bank account. every two weeks. My complaint is that when I checked my credit payment history I had paid down only a small amount of principal. If I paid XXXX monthly which is XXXX monthly I only saw XXXX in principal drop. That meant I paid XXXX a month in interest. When I spoke to the corporate office they explained, I should have told them to put the additional money towards principal. Which I didn't know to do. From what I understand, The amount to pay every two weeks was {$1800.00} I sent XXXX for 13 years and 2 months a year was three payments. All of these payments were not correctly applied to the loan. I feel this loan was dishonest and not communicated to me correctly, Thank you, I would have refinanced if I knew of there actions.

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 2019-08-21 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: AES/PHEAA
State: WA

Complaint narrative:
Applied for Income Driven Repayment plan on XX/XX/2019 and I have still not received a response. Today is XX/XX/2019 and below is what I was notified on my account : Income-Driven Repayment ( IDR ) Received Hide Details We received your IDR request on XX/XX/2019. We will review your request and send a follow up email by XX/XX/2019. This email will detail next steps and any additional actions needed. 

Reminder : Continue to make your normal monthly payment amount until you are approved and receive a bill with your adjusted monthly payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of Identity theft. Upon checking my credit report on XX/XX/2019 I noticed that XXXX XXXX XXXX is listed as a dad debt on my credit report with the amount of {$19000.00} I have never owned or leases or signed any documentation to this company in my life. I recently filed a identity theft report and submitted all documentation to XXXX XXXX XXXX and all three credit bureaus transunion XXXX and XXXX. On XX/XX/2019 I recieved a letter from transunion notifying me that XXXX XXXX acceptance did an investigation and the account was added back to 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 2019-08-21 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I disputed a GM Financial account with XXXX. The dispute was submitted on XX/XX/XXXX. I disputed the accuracy of the balance, payment history and late payments. 
GM Financial removed the monthly payment amount from the report which was {$580.00}. Reporting a balance of {$27000.00} original balance of {$28000.00}. They are reporting payments both on-time and ( late ) from XXXX to XXXX of XXXX which is also wrong but with monthly payments of {$580.00} how could the balance be {$27000.00}. No one at GM financial or XXXX seems to be able to solve this math problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Rushmore Loan Management Services is the mortgage servicing company on a mortgage secured by property in XXXX, NC which property was damaged by Hurricane Florence in XX/XX/XXXX. Insurance proceeds in the amount of {$200000.00} were delivered to Rushmore of which {$36000.00} have been disbursed to the general contractor.On XX/XX/XXXX I requested a check in the amount of {$15000.00} by email payable to me and the contractor who lifted the house. XXXX is the person assigned to the claim by Rushmore.When I last spoke with her on XXXX XXXX she said the check had been requested. The check has not been received and the contractor has demanded payment as they have done the work. It is my belief that Rushmore intentionally slow walks payments so that they can benefit from the float.I have called the CEO, XXXX XXXX as well as XXXX XXXX, the VP but neither was available.. I requested a call back and advised the receptionist of the urgency of the payment as the contractor will not lower the house on to its foundation if not paid. The house is in jeopardy if another hurricane strikes the area as it is elevated and not on its foundation. I need the $ XXXX.draw from MY insurance proceeds and I need it now. Telephone :.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On the XXXX of XXXX, our wallet was stolen which included our Bank of American credit cards. The theifs went in-store at XXXX XXXX and purchases goods for {$500.00}. 
We reported the cards as stolen and this transaction as fraudulent within 1 hour of the purchase. This was done via phone with several phone calls over the next few days to confirm the cards where cancelled. 
Additionally, the card was used for several other purchases that have been refunded. 
However, Bank of America is refusing to refund the {$500.00} purchase as they claim the card was present at purchase and a signature was used. Which is, of course, correct because the wallet was stolen. This means that the signature was forged and the merchant did not check. 
From your site, I can see that because we alerted Bank of American within 48 hours we should only be liable for {$50.00}. 
Bank of America is refusing to abide by this and is still charging us the {$500.00} even after several attempts to resolve this matter.

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 2019-08-21 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: NY

Complaint narrative:
Identity theft victim

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 2019-08-21 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I recently was told to check my account because Wells Fargo has been reported for opening fake accounts. I checked my credit report and there is a card that I never owned open. I applied for a secured card back in 2013, but the lady at the bank told me that I didn't get approved and to try again later. There is a secured card that has been reported on my credit from 2013 that states it was opened on XXXX XXXX, 2013 for XXXX dollars. That account was closed in XXXX 2013, not sure what happened because I never got approved for this card and it should not be on my credit.

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 2019-08-21 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: NY

Complaint narrative:
Identity theft victim

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 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: NY

Complaint narrative:
Identity theft victim

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 2019-08-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 a settlement agreement with Citibank re : XXXX Credit Card was settled in the amount of {$3000.00} and payment was remitted. 

Citibank accepted this settlement payment and then sold entire debt to XXXX XXXX in XXXX. 

As of today, Citibank states that they have sold the account to XXXX XXXX and will not provide proof of settlement payment in full letter as requested. Per Citibank they have no records because account has been sold and has informed me that I must speak to XXXX XXXX. 

On XX/XX/2019 at XXXX am, Citibank was faxed proof of payment in addition to settlement agreement letter. As of XX/XX/2019 Citibank states that they do not have proof of receiving this fax and they have no proof of me starting a dispute with them. 

I am receiving letters and today I received a phone call from XXXX with XXXX XXXX stating if I didn't work out the payment they would be sending this to a lawyer for arbitration thus threatening me to remit payment. I repeatedly informed her that I would not be making additional payments on an account that I settled.

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 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
On or around XX/XX/2019 I noticed this debt had been placed on my credit report. I've since contacted the original creditor ( XXXX XXXX, to verify this debt as required, requesting the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor A breakdown of the total amount due, showing principal, interest, and other charges ; and for all other charges, the date of and the basis for each charge. 

I have not received any of this information, in turn, I disputed this charge because I do not recognize this debt and I do not owe any money to this creditor. Furthermore, this debt was sold to a collections agency without my knowledge of this debt. I monitor my report monthly and I have been a responsible consumer and this is an unfamiliar debt. If it were indeed valid it would have been paid. I am requesting that this debt be removed from my report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Victoria Secret # XXXX is reporting a late in XXXX I do not owe. I tried to log in to my account and pay it but it did not go through, tried calling several times and by the time I could get someone to process my payment two weeks had passed and it triggered the late payment. This was not my fault and there should not be a late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is not so much a complaint as it is a request for my personal information. I wish to Thank XXXX, a representative of Capital One I joined Capital One on XXXX and was given a {$300.00} credit limit. I make my payments in full. If I spend {$300.00} I pay back {$300.00} that month. In XXXX and XXXX I had received Alert 's that my Personal Information maybe on the XXXX XXXX. and each time significant Point 's were taken from my credit Score. I even filed complaint 's with the XXXX. With regards to XXXX. My complaint is greater than Capital One or the Credit agencies I have been getting emails.People asking me why I am sending XXXX picture 's. I have received from one man in XXXX a Statement on XXXX saying XXXX, has my information. I have telemarketers calling me repeatedly. I have filed with the do not call registry on one that has called me 5 time 's. XXXX and XXXX. On capital One it said my XXXX account and password.Did they get it or trying to get it? I have not been with XXXX in year 's I do not remember my password. I emailed XXXX and asked please remove any of my information. Someone calling themselves XXXX emailed me and asked me if XXXX took care of the problem? I replied who are you and how did you know I messaged XXXX? they never responded to me. I contacted the FBI with regards to XXXX. Capital One has already settled if I am not mistaken and they have admitted fault The only reason I know what I know was because the Alert 's that they provided on my account. I spoke with the Law Firm XXXX and XXXX, They seem less than enthused to Represent me on a settlement that has already been paid. I am asking with Respect was I one of the many Victim 's Hacked? Is my Information out there because of the Security Breach? I believe I am entitled to know based on everything that has happened to me sense I joined on XX/XX/2019 I do not believe it is fair for a Law firm or a attorney to decide if I am entitled to compensation based on my income or lack there of. For all I know there can be arrest warrant 's for me. Because someone remembered my DOB Social and Name. Am I one of the victim 's?.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: IA

Complaint narrative:
Someone called me on XX/XX/XXXX from the number XXXX which looked like it was coming from Iowa. They sounded super scamming. I didn't trust any of it. He said his name was XXXX from blah blah blah ( couldn't understand him ) Halsted Financial Services company and on behalf of a XXXX debt. I told him no idea what he was talking about and I refuse to pay it. Called XXXX and found out it was something from XX/XX/XXXX they had given to another company ( XXXX ) that must have sold to this company. I do not recall this purchase not being paid off. 
I called back to Halsted number online and she asked for my SSN which I refused. Again no introduction seemed like a scam. She immediately put me on hold and got her manager. The manager said it's in dispute. The manager also told me I talked to XXXX   this morning which was not the XXXX that I had talked to. I told her, have you checked my state 's statute of limitations and she said she had not. I said you can not ask me for XX/XX/XXXX debt. She said her name was XXXX XXXX and the debt was from XX/XX/XXXX. I couldn't understand them, as they spoke little to no English. The whole thing feels like a scam. This wasn't even on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I never received any letter or phone call attempting to collect a debt. Furthermore, I have and always have had PPO Group insurance Plan. If I were aware of this debt I would have contacted the provider immediately to resolve any payment due. XXXX and XXXX did not follow the CFPB laws and protocol and failed to notify me of the debt thereby taking away my right to settle the debt with the medical provider.

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 2019-08-21 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a late in XXXX I do not owe. I tried to log in to my account and pay it but it did not go through, tried calling several times and by the time I could get someone to process my payment two weeks had passed and it triggered the late payment. This was not my fault and there should not be a late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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 — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I have a mortgage account for Specialized Loan Service account # XXXX which has been closed and paid off in XX/XX/XXXX. I notice a 60 day late reporting for me in XX/XX/XXXX.This is  hurting me tremendously and is completely inaccurate.

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 2019-08-21 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: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
Outsource Receivables # XXXX is reporting a collection on my account that does not belong to me. I have not gone to any medical recently and not during the time that this is reporting, nor did I get anything sent to me indicating this could be mine. I do not owe this debt, the collection is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: NY

Complaint narrative:
I disputed a XXXX XXXX account with TRANSUNION. The dispute was submitted on XX/XX/XXXX. I disputed the accuracy of the balance, payment history and late payments. 
XXXX XXXX removed the monthly payment amount from the report which was {$580.00}. Reporting a balance of {$27000.00} original balance of {$28000.00}. They are reporting payments both on-time and ( late ) from XXXX to XXXX of XXXX which is also wrong but with monthly payments of {$580.00} how could the balance be {$27000.00}. No one at XXXX financial or TRANSUNION seems to be able to solve this math problem for 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 explanation
Consumer complaint received 2019-08-21 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a collection on my account that does not belong to me. I have not gone to any medical recently and not during the time that this is reporting, nor did I get anything sent to me indicating this could be mine. I do not owe this debt, the collection is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a collection on my account that does not belong to me. I have not gone to any medical recently and not during the time that this is reporting, nor did I get anything sent to me indicating this could be mine. I do not owe this debt, the collection is not mine.

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 2019-08-21 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a collection on my account that does not belong to me. I have not gone to any medical recently and not during the time that this is reporting, nor did I get anything sent to me indicating this could be mine. I do not owe this debt, the collection is not mine.

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