vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have been currently working with my mortgage loan provider regarding past due payments on my mortgage account due to my husband having lost his job. I started working with XXXX XXXX at Wells Fargo bank and besides her just not being prompt or sensitive to such an important matter like our home is. Once our case was reviewed for repayment options we were told options through Wells Fargo were denied, but nothing specific was disclosed. I appealed their decision once my husband was able to acquire XXXX part time positions and asked for our case to be reviewed. According to the rep during this process our foreclosure status would be suspended. I received a call from her telling me our appeal had been denied. I began to ask questions regarding this decision. I wanted to know why and exactly the reasons why since we have more income now to cover our mortgage costs. I have yet to receive a phone call explaining anything from her or anyone at Wells Fargo, and when I contacted the foreclosure department and they advised me that my home is now in active foreclosure. I asked the rep in the foreclosure department to go over all of the fees to reinstate the loan and NOT one person can give me a break down. I really feel that we are being taken advantage of and I do not think this is even legal to do. I will be seeking legal counsel.

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 2016-09-09 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo opened an UNauthorized credit card account for my son. He had just turned XXXX years old, was a XXXX and had no job, instead took care of his sick father. He was not financially capable of repaying this nor did he have any kind of financial literacy regarding credit. This was in XX/XX/XXXX. I was not aware of any of this until he had a balance charged off. XX/XX/XXXX I sent Wells Fargo a letter stating that issuing my son a credit card was in violation of The Credit Card Accountability, Responsibility, and Disclosure Act of XX/XX/XXXX which states numerous criteria but one of which is that a parent must co-sign which I 'd NEVER do. I 've asked them to remove this from his credit report based off of the this, but they did not comply. XX/XX/XXXX, my son was approved to attend XXXX University which only XXXX applicants get accepted per year. His credit report was pulled, the Wells Fargo charge off appeared and they denied him admittance until this issue is resolved. Wells Fargo has a history of this type of behavior which I feel is predatory. Please assist me in getting this resolved immediately.

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 2015-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX /15 i got started in the IL.Hardest Hit program, I did all the requirements requested in a very timely matter as requested, such as to provide all documentation as requested. I even had to give them XXXX years of Tax returns with with over at least XXXX pages! BY the time I was almost in the program Wells FARGO CAUSED me to not be eligible by saying to get my loan current, the amount would be {$34000.00} on XXXX/XXXX/15 IL. Hardest Hit program sent me a email to inform me that! I was in shock, as soon as I got home that day I called Well Fargo they told me that the amount was {$18000.00}! They also faxed me a XXXX document the same date XXXX/XXXX/15 saying that, and i also got a letter stating the same thing XXXX days later! The same night I faxed and emailed theXXXX letter stating what the amount was, so she said she would forwrad it to her boss! XXXX days later they told me that wells fargo was adding escrow fees and some other fees to prevent me from getting into the program!!! That was {$35000.00} that wells fargo kept me from getting also since they sold my lone! 
THANKSXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: OK

Complaint narrative:
Please accept as addendum to XXXX # XXXX. I previously submitted a complaint regarding my payment history over the life of an auto loan with Exeter Finance Corp. The complaint was submitted to Exeter Finance by CFPB on XX/XX/XXXX. The substance of my complaint regards conversations with Exeter Finance XXXX employees providing me inaccurate information regarding the loan - particularly on XXXX occasions I applied to defer XXXX payment each to the end of the loan however Exeter XXXX 's state each Deferment represented XXXX payments each. When provided the Deferment information I disagreed with the info and both Exeter XXXX 's then stated my account was past due for the previous or XXXX previous months which is also inaccurate - the XXXX 's both confirmed payments were paid as agreed for the previous and preceding month for each Deferment but continued to insist their information was valid by stating the account was past due for some other month which was also incorrect. 
In addition when I purchased and signed the XXXX in XX/XX/XXXX the financing arrangements were made by the dealership and I was quoted an interest rate of 20.99 %. The cost of the vehicle I purchased was {$12000.00} - the amount financed for the vehicle was {$10000.00} - I paid {$500.00} down in cash and traded in a XXXX XXXX XXXX in good condition. I was not told by the dealership the value of my trade-in. As of XX/XX/XXXX I have paid XXXX total payments. At the end of the loan I will have paid {$15000.00} and with the final XXXX ( XXXX ) payments due to pay the loan in full the interest rate is actually 50 % - not 20.99 % as stated in the XXXX On XX/XX/XXXX I spoke with an off-shore XXXX XXXX who stated if a payment is " late '' the full payment is applied to " interest '' - not the loan itself which does NOT explain a 50 % interest rate charged from XX/XX/XXXX until the date of the first late payment on XX/XX/XXXX. 
In addition both the Dealer and Exeter Finance Corp were aware the vehicle - XX/XX/XXXX XXXX XXXX - was a salvage title vehicle or ineligible for resale due to a malfunction of the vehicle 's passenger side airbag that was the subject of a XXXX recall in XX/XX/XXXX. I was not informed of the serious nature of the vehicle 's airbag status because I have never been provided title to the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The site will not load can I get a phone number to call. I only have my cell for internet use and I am worried now that it 's hacked

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The website locked up before I could view my report. When I tried to return to the page, it said I 'd already gotten my yearly report when, in fact, I had n't had the chance to view it at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The collection files are third party account that are from Fraudulent account. The account was removed for fraud in XXXX of 2014. I do n't know how the accounts was resubmitted to my report. The accounts should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting a judgment on my credit file and it is not mine. And to top it all the date is incorrect. They have the date at XX/XX/XXXX and then in XXXX when I disputed this they changed the date on XXXX XXXX to XX/XX/XXXX and then it just got changed back to XX/XX/XXXX. It is unverifiable and they have not verified this as I requested for the past 3 months. So I am asking to have it removed per the FCRA and they wont. This is not fair that they can do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I put in a dispute to Equifax regarding my XXXX balance on XX/XX/XXXX via fax since they will not allow me to access my credit report via the internet. I found out on XX/XX/XXXX that the account was never disputed and that it would be another 30 days before anything happened. This has caused a huge problem since I need to go for a loan and am now out of time. I need the balance to show correctly immediately. Spoke with XXXX XXXX in Office of Consumer Affairs, stated at that time the dispute was not processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I recently discovered while checking my credit on credit karma that there is an address that is not mine. This address I have never been to and I want this to be remove from my credit reports has I think this could be a person trying to do fraud using some of my information. 

The wrong information on my credit reports are as follows:XXXX , CA XXXX - this has NEVER been my address and have NEVER even been in the area. I just recently moved to XXXX. 

Could I have some help on how I can remove these from my credit reports? 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
My mortgage company claims to be missing a mortgage payment from XXXX 2015 that was withdrawn from my account {$1500.00} on XXXX XXXX, 2015, I also made a payment of {$3100.00}, on XXXX/XXXX/2015, although I was behind those XXXX payments would have had me caught up on my mortgage. I called to place and investigation and no one ever got to back to me, I have been having problems with this mortgage servicer ever since my mortgage was sold from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I placed a dispute for validationof accounts in XXXX of 2017 For the tradelines showing on my credit report of XXXX and XXXX accounts of XXXX. These accounts were not validated therefore were removed frm my credit report. I received notice that between XX/XX/2017 and XX/XX/2017 that the tradelines of XXXX were removed from my credit report. also received notice that XXXX XXXX TRADELINES WERE REMOVED FROM MY REPORT. However after checking my credit report Equifax placed these tradelines back on my credit report without giving me notice or without them receiving a letter of reinsertion from the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax has changed the status of closed accounts to open status. It seems as when you dispute items on your credit report Equifax will change the status from closed to open on old accounts. I feel that this is an effort to lower your credit score. I have spoken with another family member and they mentioned that they had the same issue with Equifax reporting closed accounts as opened. Equifax should be investigated for this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is not responding to my requests to investigate and remove XXXX account from my credit file that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I 've tried multiple times to get my annual credit report from equifax. I 've gotten my reports from XXXX and XXXX without a hitch, yet every time I attempt to get my report from equifax at the verification step it has references to loans/cards that have nothing to do with me. Selecting none of the above for each one of these causes a failure in identity verification ( again, on equifax only, I had no issues whatsoever with XXXX or XXXX. ) and tells me to MAIL ( yeah, sending sensitive information through the mail is a really good and secure idea, there ... ) copies of payroll stubs, ect. This same thing happened last year ... If there was a case of identity theft I 'm sure it would have shown up on my other XXXX reports, which it did not. Why is such a group of incompetent ( and ignorant from what I 've gathered over the web, since I 'm not the only one experiencing this ) morons in charge of peoples credit like this? It seems the easiest course of action with them is to subscribe to their service to remedy this, which seems an awful lot like bate and switch, which last time I checked was still illegal ( not to mention immoral, not that today 's businesses readily practice moral or ethical means of operation ). They are screwing over MANY Americans on a daily basis with these practices and should be shut down until they can get their heads out of their butts and shape up, yet these are the people in charge of our credit. This makes as much sense as a chocolate teapot ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX is reporting on behalf of Equifax , They are showing XXXX accounts open that should be closed through a discharged bankruptcy.Equifax says they have them showing closed but yet they show open through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
After requesting each consumer bureau remove negative XXXX reporting off my credit report I directly contacting XXXX by phone XX/XX/XXXX, I was told by supervisor " XXXX '' in XXXX XXXX, MO.that XXXX will not remove the negative collection report off my credit report. I had always disputed the fact that although habitually delinquent due to XXXX/loss of income at the time I had always paid my account. I was too sick too fight the mega-giant, my account was closed in XXXX and with my XXXX settlement in XXXX I paid their collections. Now I was well enough to search my financial records, XX/XX/XXXX I made a written request to remove the false report and provided bank records demonstrating that I had indeed paid my account and was falsely sent into collections. This written request and evidence has been ignored. According to " XXXX '' at XXXX ( there was XXXX accounts under my old phone number when I called XXXX I never made a payment from XX/XX/XXXX and my account was closed and sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed a judgment on my credit report twice for XXXX XXXX in the amount of {$1100.00}. I have provided Equifax a copy of the alleged judgment against me that shows a different person 's name and a different amount. Despite sending this information twice to Equifax they have repeatedly stated that they have verified this account and it belongs to me in their investigation results. I contacted Equifax directly at XXXX on XXXX XXXX, 2016 and spoke with XXXX in customer service regarding the dispute results for the most recent investigation. I asked the representative what information they had received from the XXXX County Courthouse or original creditor to prove that his account was mine and his response was he did not know. He then stated that he would send it back for " re-investigation '', I asked what where going to do when they review it again, he again stated that he did not know. I asked him did he have a copy of the information that they received to verify this account and he said that he did not have access to that information. He also stated that he could not tell me what would be done differently and that was all he would be able to do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently inspected my Equifax credit report via " XXXX ''. I noted that they had the wrong form of my name on my report. My legal name is XXXX, and my Equifax credit report has the name " XXXX ''. Informally, I 'm known as " XXXX '' among family and friends, and at one time I spelled the short form of my name " XXXX ''. But since then I 've changed the spelling of my informal or " nickname '' to " XXXX ''. NONE of this has any bearing on the name that SHOULD be on my Equifax credit report, because for business purposes, when I sign anything or conduct ANY kind of business, I ALWAYS go by my legal name, " XXXX ''. Per Equifax 's instructions, since one of the items I was disputing was the name on the report, I faxed copies of my birth certificate and state-issued Identification card via fax, along with a written detail of any other information I wanted to dispute. Before faxing the documents, I made certain that all info, INCLUDING my birth certificate and State ID were clear and legible. 
Unbeknownst to me, once they received my faxed documents, they downloaded them on their computer system in XXXX, Georgia ( I do n't know what they did with the hard copies after that ), and when their customer service agents now try to access them in whatever country they 're outsourced from, they 're reduced to fit their monitors and resolution, making my birth certificate supposedly impossible to read by them -- but the ID is still legible. 
I 've told them repeatedly that I do n't have any other documents they might find acceptable, and that they should go by the State ID I sent, which they agree is legible, since it 's not my fault they converted the hard copies to an electronic form that 's illegible. I also reiterated to them that I ensured that the hard copies I sent were clear and legible, so I 've done my due diligence. Now they 're refusing to update the name on my report to my legal name, purely on a technicality in their regulations, even though the issue is their fault and not mine. 
Do I have any recourse against them, or any way to compel them to make the necessary changes, or to attempt to locate the original hard copies I faxed, or am I at their mercy, even though I 'm in the right? 

Thanks in advance for any assistance or information you are able to offer. 

Sincerely, XXXX XXXX XXXX, OH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was notified of an unpaid collections of XXXX $ from XXXX dating back to XXXX XXXX for the first time XX/XX/XXXX. The person whom notified me was the broker trying to approve my home loan on the purchase of my first home. I do not have any XXXX and have been a Customer who has always paid on time for XXXX or any other product. The day I found out about the unpaid collection, I called XXXX and paid the XXXX $ 's. The Customer Service agent was unable to tell me what the outstanding amount was for but did let me know the Collection will no longer be showing on my Credit Report at all ( Paid or Unpaid ). I found a home XX/XX/XXXX and had my broker run my Credit Score to lock in my interest rates for my home loan, the XXXX was still there. From the beginning of XXXX until now ( XXXX XXXX XXXX ), I have called XXXX over XXXX times to get this issue resolved and off of my credit report. Their Customer Service has submitted and routed XXXX XXXX XXXX numbers incorrectly. Each Ticket # takes 30 days to process ; therefore, every new ticket # is starting my problem back to Day XXXX. I spoke with a colleague on my issue and he was able to give a phone number for a XXXX XXXX in which escalates your issue. On XXXX XXXX I submitted an Electronic Ticket ( XXXX # ) through this hotline in hopes of XXXX contacted the Credit Bureaus to get the Collections notice off of my Credit Report. This ticket # is listed as resolved in their Customer Service XXXX, XXXX informed me they contacted XXXX and Equifax to take this off of my report ; however, the existing problem is not resolved. XXXX will not give me any supporting documents where they have contacted these credit agencies and they also notified me it will take up to XXXX more days. After contacting XXXX Customer Service multiple times, submitting XXXX Resolution Requests, speaking with their Internal Credit Department, Billing, XXXX XXXX XXXX, and their Escalation department, I am stuck with dealing with a bad and erroneous Credit Score. Each month I will be paying XXXX $ 's more in interest on my home loan because of this. I was patient and understanding but now I am hopeless and mad. This issue should of been resolved in XXXX if it ever was an issue to begin with. Now I will be haunted with this issue every month for XXXX years.

Company response to consumer: Closed with explanation