vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has charged me over 1200 in Overdrafts in just 3 months. They would charge overdrafts on pending items, when cash was deposited same day. They would then hold checks whenever they felt like it. Then they started calling me daily on paying overdrawn account because I refuse to pay it. They have overcharged me an excessive amount of fees and I got tired of it. Since leaving that bank I have not been charged any fees or overdrafts as i have had direct deposit. The amount in over drafts of XXXX on some low dollar amounts is ridiculous also you can not charge OD 's on pending items which they did again and again I kept all the screen shots and emails with them. Then they would call and harass 10-12 times a day excessively Wells Fargo can stop calling me 10 times a day regarding my overdrafts. To date I have been charged a little over 1200 in fees from Wells Fargo and you harass me for overdraft at XXXX. You already profited over 800 on my account and that is a rip off. I will be sending all of this to the CFPB and printed it all out for them so they can see the 20 calls a day and how Wells charges and made it difficult to do anything having so much money charged and the small items I was charged XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I paid the bill XX/XX/19 I called company XX/XX/XXXX to inform that payment was made via their own website as per their letter for acceptance of a reduced payment option. They reported as derogatory on my credit on XX/XX/19 even though I gave verbal confirmation receipt information and was assured that it was paid in full. I received notification from experian that this was reported. they are in violation of federal consumer protection laws. 
Thank you. 
XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Today ( XX/XX/2018 ) I learned my outstanding mortgage balance is nearly {$10000.00} higher than it was a month ago. I called XXXX XXXX XXXX XXXX  to get it either 1 ) corrected or 2 ) explained why this occurred. Instead of providing help they asked me to send them evidence and mail them a credit dispute. 

I'm mailing the letter tomorrow and will attach the screenshots showing the discrepancy between what TransUnion and XXXX  ( XXXX XXXX ) and XXXX XXXX app. 

Additionally, considering how fraudulent XXXX has conducted themselves in the past, I'm inclined to not pay another mortgage payment until this is resolved.

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 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Today ( XX/XX/2018 ) I learned my outstanding mortgage balance is nearly {$10000.00} higher than it was a month ago. I called XXXX XXXX XXXX XXXX  to get it either 1 ) corrected or 2 ) explained why this occurred. Instead of providing help they asked me to send them evidence and mail them a credit dispute. 

I'm mailing the letter tomorrow and will attach the screenshots showing the discrepancy between what XXXX  and Equifax ( XXXX XXXX ) and XXXX XXXX app. 

Additionally, considering how fraudulent XXXX has conducted themselves in the past, I'm inclined to not pay another mortgage payment until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I contacted XXXX back on XX/XX/XXXX I was told that my loans would go automatically go back forbearance until I receive a determination. It is now XX/XX/XXXX, my loans are now back into repayment. My Borrower Defense to Repayment is still valid an should be processed in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have called Trannsuion and sent letters by certiftied mail three times to have 48 inquiries investigated and removed from credit report. They told me to fill out an Identity Affidavit I done that on this website. And sent them the information. I have heard nothing from this website with results and Transunion is still refusing to remove the inquiries, and has not sent me anything of the results from the investigation. No copies of the credit application showing my signature.

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 2019-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: MI

Complaint narrative:
ON XX/XX/2019 I DISPUTED THIS MEDICAL ACCOUNT WITH ALL 3 CREDIT BUREAUS, IT WAS REMOVED FROM XXXX BUT STILL REMAINS ON XXXX  AND XXXX. I NEVER RECEIVED ANY LETTERS REGARDING THIS ACCOUNT TOTALING {$120.00} BEFORE IT WAS PLACED ON MY CREDIT FILE. I CALLED LJ ROSS ASSOCIATES AND SPOKE TO A REPRESENTATIVE. I INFORMED THIS PERSON I HAVE MEDICAL INSURANCE AND DID SO DURING THE DATE LISTED ON CREDIT REPORT FOR THIS ACCOUNT AND MY MEDICAL INSURANCE COVER MY MEDICAL CARE 100 %. THE REPRESENTATIVE STATED THEY WOULD CONTACT THE ORIGINAL CREDITOR TO TRY TO OBTAIN INFORMATION ABOUT THIS ACCOUNT. LJ ROSS VERIFIED THIS ACCOUNT RECENTLY WITH BOTH XXXX AND XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I spoke with Barclays card customer support approximately XX/XX/XXXX inquiring about the account coming off the credit Reporting agencies. I was told by a young lady that it was set to be removed off XX/XX/XXXX, 5 years after the account closed. It is now XX/XX/XXXX I called to inquire what the hold up was, as credit cards from the same year are set to drop this year with it. After being transferred several times they explained it is up to the credit agency to remove such account not them and that there is nothing they can do at this point. They clearly dont know what is going on nor what they are doing because they havent reported anything since XXXX. They change there answers too frequently. I would like what was told to me to be upheld. Calls are recorded and I urge the company to go through all of my recorded phone calls over the last two years so that this can be corrected immediately. Secondly I tried to re open my account or a new one and the company wont even consider me based on my credit report but instead an internal file on me. That is no longer accurate.

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 2019-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XXXX Hurricane Irma hit my house in the Florida XXXX XXXX  claim check was deposits Ocwen mortgage company/debt collectors. Not sure which it is Ocwen received funds in XX/XX/XXXX Ask for inspection no inspector since XX/XX/XXXX to date XX/XX/XXXX. 3 months Ocwen doesnt know why?? No inspection Ocwen loan services Loss draft XXXX XXXX  XXXX XXXX, Ohio XXXX XXXX Called lost draft department 24 times Resultion department Inspection dispatch Inspection company. XXXX XXXX. XXXX florida No answer to questions Also. They refused to connect me to the US when asked 10 times

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover does not correct my XXXX bureau with proper balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX does not correct my Equifax bureau with proper balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
I was taken to court by eagle loan I have a court agreed payment.i have been paying on this until XXXX XXXX  which is the attorney for eagle decided to refuse payment and saying I breeched the contract.this loan was for my husband and I and without warning they have refused payment and sent out a garnishment to my husband 's wages.i tried to speak to XXXX XXXX today but they don't care and stated a breech had occurred and I didn't send there 15 day notice back to them.i have never seen anything in my contact from the court about this.XXXX XXXX refuses to send me statements I have requested and the balance has gone from XXXX to XXXX I have been paying on bthis since last year and the balance keeps riseing.with the upcoming wage garnishment we can no longer afford the basic nessary things and have no choice but to claim bankruptcy and when I asked XXXX XXXX to please stop and let me continue paying they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I spoke with XXXX XXXX  customer support approximately XX/XX/XXXX inquiring about the account coming off the credit Reporting agencies. I was told by a young lady that it was set to be removed off XX/XX/XXXX, 5 years after the account closed. It is now XX/XX/XXXX I called to inquire what the hold up was, as credit cards from the same year are set to drop this year with it. After being transferred several times they explained it is up to the credit agency to remove such account not them and that there is nothing they can do at this point. They clearly dont know what is going on nor what they are doing because they havent reported anything since XX/XX/XXXX. They change there answers too frequently. I would like what was told to me to be upheld. Calls are recorded and I urge the company to go through all of my recorded phone calls over the last two years so that this can be corrected immediately. Secondly I tried to re open my account or a new one and the company wont even consider me based on my credit report but instead an internal file on me. That is no longer accurate.

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 2019-01-25 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: NY

Complaint narrative:
I spoke with XXXX XXXX  customer support approximately XX/XX/XXXX inquiring about the account coming off the credit Reporting agencies. I was told by a young lady that it was set to be removed off XX/XX/XXXX, 5 years after the account closed. It is now XX/XX/XXXX I called to inquire what the hold up was, as credit cards from the same year are set to drop this year with it. After being transferred several times they explained it is up to the credit agency to remove such account not them and that there is nothing they can do at this point. They clearly dont know what is going on nor what they are doing because they havent reported anything since XX/XX/XXXX. They change there answers too frequently. I would like what was told to me to be upheld. Calls are recorded and I urge the company to go through all of my recorded phone calls over the last two years so that this can be corrected immediately. Secondly I tried to re open my account or a new one and the company wont even consider me based on my credit report but instead an internal file on me. That is no longer accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
I have an account with TD Bank, they lower the credit ampount because of your non and slow monitoring of falsified information on crdit report. due non compliance of the law by creditor 's report say {$1500.00} was spent but amount onreport is lees and doesnt reflect this. 

In additon to this they have charged me and not in compliance to law and are attempting to loan shark, if this continues I will be force to close all accounts because their dishonesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Sometime in XX/XX/2017 I became aware of a collection item on my credit report. 

The collection agency is CRME representing XXXX XXXX XXXX XXXX CRME - XXXX XXXX XXXX Immediately upon learning the collection was on my credit report, I called and spoke to a CMRE representative who gave me the account background. This was a medical invoice generated when I went to XXXX XXXX XXXX XXXX XXXX for services. Apparently, one of the attending physicians or labs was a non-provider under my insurance company. I explained to the CRME representative that I had no knowledge of the invoice and that I had never received an invoice in the mail. Upon receiving the name of the physician/lab involved, I contacted them and was told that all information on my account had been turned over to CRME and that they couldn't work on my account. The medical facility confirmed that they received returned mail from my address. Neither of us were sure why. 

Upon speaking with CRME, they too confirmed that mail to me from them was returned undeliverable. Nonetheless, I was told that all they could do to help me was take a payment. So, I paid it once I confirmed it was my debt. The CMRE representative as sympatric to my issue and did offer to close the account for a reduced amount. 

It appeared that I have had no other recourse and was in a never-ending loop. 

In the interim, this collection remains of my credit report with all three bureaus and is driving down my credit score. My FICO score is very important in the decisions I make related to my credit and finances. I think its unfortunate that organizations can make decisions that can ruin your financial future based on not receiving the correct billing information from the primary medical provider.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25 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: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX -each bureau reports a different date of last activity Date XXXX  ShowsXX/XX/XXXX Experian Shows XX/XX/XXXX XXXX  Shows XX/XX/XXXX Experian, XXXX, XXXX is showing a monthly payment as well as a past due on closed account of {$1000.00} how is this possible? ( THIS ACCOUNT NEEDS TO BE DELETED PLEASE ) This is how I know that it wasn't a proper investigation. FCRA is very clear about the law.

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 2019-01-25 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: CA

Complaint narrative:
XXXX  XXXX XXXX # XXXX -each bureau reports a different date of last activity Date TransUnion ShowsXX/XX/XXXX XXXX   Shows XX/XX/XXXX XXXX Shows XX/XX/XXXX XXXX, TransUnion, XXXX is showing a monthly payment as well as a past due on closed account of {$1000.00} how is this possible? ( THIS ACCOUNT NEEDS TO BE DELETED PLEASE ) This is how I know that it wasn't a proper investigation. FCRA is very clear about the law.

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 2019-01-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX # XXXX -each bureau reports a different date of last activity Date XXXX  ShowsXX/XX/XXXX XXXX   Shows XX/XX/XXXX Equifax Shows XX/XX/XXXX XXXX, XXXX, Equifax is showing a monthly payment as well as a past due on closed account of {$1000.00} how is this possible? ( THIS ACCOUNT NEEDS TO BE DELETED PLEASE ) This is how I know that it wasn't a proper investigation. FCRA is very clear about the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Two Privacy notices, were provided by M & T bank and and a company named XXXX XXXX XXXX in addition to a mortgage interest statement. The issue is the amount of information that can be shared by the institution and institution affiliates. 

7 rows of reasons we can share you personal information. While 7 rows of reasons were shown both M & T Bank Corporation and XXXX XXXX XXXX can share all 7 rows of information without the account holders consent. Additionally only 3 of the seven rows can be limited by the consumer for sharing. The consumer also has to opt out of all sharing by calling the institution. This is the opposite of most consumer services where companies are limited from disclosing or sharing information at all unless the consumer consents.

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 2019-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX I received a message from XXXX XXXX ( they are servicing my XXXX XXXX XXXX ) saying my loan was in natural disaster forbearance. I was not at all impacted by any natural disasters at that time and I did not request forbearance status. I called XXXX to ask what was happening. They stated that my loan was placed in forbearance automatically. This was the time of the Camp Fire so I can only imagine that their reasoning ( on the surface ) was that the loan originated in California ( I graduated from University of XXXX  XXXX XXXX in XX/XX/XXXX I currently live in XXXX ). When I stated that I did not need forbearance the messaging was along the lines of " don't worry about it you can continue to pay. '' I logged in to my account yesterday to see that my auto-debit had been paused. Interest had been accruing. I was under the impression that my auto-debit would continue. I believe that XXXX intentionally manipulated and mislead myself ( and likely others ) under the guise of being compassionate in the face of a disaster. I have filed a formal complaint via the phone with them directly and requested that the interest be reversed. I have made the missed payments.

Company response to consumer: Closed with explanation