vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My job was eliminated on XX/XX/XXXX 1. Wells Fargo ( XXXX ) placed me on Forbearance program for 1 year 2. I regained employment in XX/XX/XXXX and requested a Modification 3. The first Modification returned with a first payment of {$25000.00} which I could not make. 4.The next Modification came back with a first payment of {$50000.00} and the 3rd {$65000.00} 5. XX/XX/XXXX I filed a Chapter XXXX paying the court monthly payments towards the arears. 
5. My position was eliminated again XX/XX/XXXX and I regain Part time employment in XX/XX/XXXX. No mortgage paid since XX/XX/XXXX 6. Consumer Link worked with Wells Fargo until they received a call in XXXX stating they were no longer going to negotiate with them because my home now had equity ( they were paid monthly for a total of {$2800.00} and I received {$970.00} back when XXXX refused to continue to negotiate. 
7. Several more bankruptcies were filed to keep my home out of foreclosure 8. XX/XX/XXXX, I signed a retainer with XXXX XXXX XXXX from XXXX XXXX, California ( retainer {$2500.00} ), total {$5300.00}. They have done nothing except collect documents from me and tell me I need more income. I have had two brief telephone conversations and no updates. 

My home was scheduled for Auction on XX/XX/XXXX at XXXX XXXX, I filed a chapter XXXX Bankruptcy at XXXX XXXX and notified their attorney 's office to stop the auction, and my home was sold in spite of the Bankruptcy. I was not notified by Wells Fargo that the Auction was not postponed I discovered that information several days later when I called XXXX to discuss options going forward since XXXX XXXX XXXX was doing nothing except waiting for me to get a job. I do have some income from XXXX and two retirements ; however, I do need to get at least a Part- time job. Unfortunately, even though I have two masters Degrees, I am XXXX years old, and it has been very difficult to find employment. 
I have spoken with WFHM Corporate and requested a written response explaining why the Bankruptcy was ignored and why I was not notified that my home was sold after I filed the

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AL

Complaint narrative:
To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... your company has a large amount of fraud charges on my credit report that is not accurate s with loans on my report and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! The amount was for XXXX for enhanced recovery company if you would contact me regarding this matter I will greatly appreciate it thank you! 


Thanks XXXX XXXX XXXX Sent from my 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 2018-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Reference Case ID XXXX Ive contacted Navient regarding my student loan. And the extreme interest being paid Ian on an interest only payment plan which should have ended sometime ago. I paid on time, every 2 weeks and paid more than the requested amount however my yearly interest paid continues to go up and the loan balance hardly budged. Im concerned Ian being scammed somehow as they can not is cola in this. XXXX was the end of the interest only however it was the most I had paid towards interest almost XXXX more. I have asked for a very detailed statement for the past several years, asking to explain the payment breakdowns, balances, interest etc. I believe they are not being honest with this loan and request it be resolved. I have paid XXXX in interest alone since XXXX ... and my loan balance hasnt moved but slightly ... something isnt right. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: PA

Complaint narrative:
XXXX XXXX XXXX open XXXX Amount XXXX account paid in full XX/XX/2018 For the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I began monitoring my credit report. I noticed that I had a collections on my account in the amount of {$4100.00} for a XXXX account. The Collection company was Deversified Consultants. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX Florida XXXX. 

( XXXX ) XXXX. I disputed this information on my credit report asI had no knowledge of the account and did not purchase anything or have XXXX services. The dispute came back as valid in XXXX. I disputed this account for a second time. I called Diversified Consultants and they said that I would need to contact XXXX to clear the account. 

I then filed a complaint with the federal trade commission, and sent a notarized investigation request/ affidavit to XXXX. To this date XX/XX/XXXX I have had no correspondence from XXXX or Diversified consultants, and the negative account remains on my credit report as a collection in the amount of {$4100.00}. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
spoke with Equifax on XX/XX/XXXX in regards to removing the public record items from my credit report. Question three representatives whether or not my name, address, social security number or birth date was included. The first agent stated no, but refused to remove the information. The second agent refused as well. Placed on hold for a third agent/supervisor who never picked up the line. Items Tax Leins appear on Equifiax and Transunion XXXX Bankruptcy appears with all three agencies Tax Lein Date Filed - XX/XX/XXXX - {$4700.00} Court File - XXXX | Case - XXXX and XXXX Date Filed - XX/XX/XXXX - {$1300.00} Court File - XXXX | Case - XXXX and XXXX Bankruptcy Date Filed - XX/XX/XXXX Court File - XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
1. This is a complaint and a request for a cease and desist demand directed to TransUnion and XXXX XXXX XXXX XXXX for unlawful credit reporting and re-aging. XXXX XXXX hold no legal or equitable interest in my property, and the account is time barred. 

2. Whereas, the CRA is reporting obsolete information as to account # XXXX which was previous account # XXXX, and are continuing to unlawfully use the re-aged account for more than 18 month beyond the date the account was scheduled to be removed from my credit file. 

3. XXXX  and XXXX, In response to a previous DISPUTE, correctly deleting the time barred account. However, TransUnion chose not to REMOVE THE obsolete ACCOUNT from my credit file.

4. Failure to comply with federal regulations by TransUnion credit reporting agencies must be investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). TransUnion representatives are fully aware that they are operating in violation of the law to benefit a purported creditor.

5. Please be advised that according to TransUnion 's historical records and XXXX previous trade-line, account # XXXX has been intentionally misstated as XX/XX/XXXX, which is two full years pass the previously reported date of removal. 

6. As proof see ( EXHIBIT-4, TransUnion credit report number XXXX dated XX/XX/XXXX ). It clearly and specifically shows in their own historical reports that the " ESTIMATED MONTH AND YEAR THAT THIS ITEM WILL BE REMOVED : XX/XX/XXXX ''. 

7. TransUnion has a duty imposed by 15 USC 41, et seq. to follow it own historical records that legally require the deletion of the above reference account # XXXX automatically. See EXHIBIT-8, results of XXXX  dispute investigation, and the CRA 's removal of the obsolete account record. 

8. I have reason to believe that the present CRA is operating on behalf of the debt collector to the determent of the consumer in this case. Therefore, I ask this agency to force compliance with the FCRA, and to compel XXXX XXXX XXXX XXXX to immediately cease and desist as to any and all forms of collection, and that the CFPB takes action against the CRA and the debt collector for pursuing disputed, unverified and time barred debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2017 I went online to an Experian website that advertised {$4.00} to check my credit score in which I paid for with my debit card. un be knowing to me a month later Experian started fraudulently taking {$24.00} a month from my banking account and there after. I immediately tried to call Experian to report the fraud but was just put on hold for hours on end!!! Experian have been charging my account {$24.00} a month for a membership that I never consented to I see they have different web sites to check your credit, some mention about a membership some don't. The one I applied to check my credit score didn't. I even printed out the website like the one I visited that mentioned nothing about a membership. How sad Experian feels the need to abuse their customers!

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 2018-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
i was approved for deferred payments and i still was billed late statements after accepting my payments this happened on 6 occasions please credit my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
on XXXX2017 I applied to become a business member with Transunion to report my companies tradeline product to consumers credit.

My Company met all credentials to become a business member in addition to getting the XXXX XXXX XXXX reporting software.

Because I am a small XXXX  Owned Business and don't have money for Transunion to have financial/corporate gain, Transunion decided not to extend a business agreem

ent to my company. XXXX XXXX XXXX XXXX is r
equesting a complete response detailing why the business agreement was not extended specifically to my company.

The answer of ( We have reviewed your complaint along with the information you provided regarding this issue. TransUnion has reviewed your request for membership. TransUnions review process is intended to ensure compliance with TransUnion business practices and policies as well as applicable laws, rules, regulations, and standards that apply to TransUnions businesses. Our process generally includes review and third party verifications of each applicants business credentials and on-site inspection. After careful review of your application and data gathered during our credentialing process, TransUnion has decided not to extend membership to your company. ) is not sufficient XXXX XXXX XXXX would like to know 1. What review and third party verifications were completed ( aside from the onsite inspection ).

2. What Data about XXXX XXXX XXXX XXXX  was collected?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/XXXX I responded to an advertised balance transfer offer on the Citi 's website, which I use to monitor and manage my Double Cash Credit Card account. The offer was for 0 % percent interest rate on balance transfers until XX/XX/XXXX ( the website advertised that the offer would be expire on XX/XX/XXXX ). I followed up with Citi this morning to confirm that the balance transfers were approved under their advertised offer. In two separate conversations ( one via chat and the other over the phone ), I was informed that the balance transfers were done at the typical 24 % rate and that no 0 % offer on balance transfers were ever offered to me. In my chat conversation, I asked that the my balance transfer request be cancelled and was informed that it was too late as the checks had been cut. After confirming this issue over the phone with Citi, and confirming the balance transfers were not executed under the 0 % interest offer, I closed the account but was told I could not pay off the balance as the balance transfers were pending.

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 2018-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have made repeated attempts at speaking with American Express, and on rare occasions I will get a Representative who forwards me to a person who is to be following up with my requests. Either A ) I am hung up on, B ) The person whom I receive mumbles in the background and puts me on hold multiple times, C ) Claims that providing further assistance goes beyond their scope, at which time I'm transferred yet again to another agent, D ) Attempts to collect the same debt more than once occur ( even after the same debt has been satisfied with regards to a Payment Program ). 

People are losing more faith in American Express as the minutes go by, and now I can see why. If your workers have no desire to follow through with their responsibilities, how do you expect your cardmembers to take your company seriously? It's clear that American Express is a lost company with zero initiative. In addition to this, other cards are used virtually everywhere. American Express, not so much. I won't even challenge American Express with this complaint, because I can already put a wager on little quality and know that will be the outcome. Whoever is in charge of your customer service people is doing a horrible job, because those people all seem to have different definitions of just about everything, and can never be consistent with the information provided to cardmembers, not to mention what your policies state and mean. Just go ahead and listen to the recent " recorded telephone conversations ''. That should give you a better idea of how long I've had to wait on hold, to be hung up on, to be promised this and that, only to get a different person who seems to have no idea what I'm talking about. I thought there were worse companies, but American Express is literally the worst company when it comes to communication. Do with that what you will.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-05 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: CL Holdings LLC
State: WI

Complaint narrative:
My information includes a false " also known as '' name of XXXX XXXX XXXX and an address of XXXX XXXX, XXXX, MI XXXX both of which were added to my personal data without my knowledge. Neither the name of the address is true. I believe a debt collection co, probably did this as I have received notices from XXXX XXXX, XXXX as well as XXXX XXXX XXXX , XXXX stating that I have a delinquent utility bill with XXXX XXXX in XXXX, MI. All of the above is false, and I believe I am being targeted because of my age, XXXX years old and retired. XXXX XXXX has 1013 complaints against them from BBB and several of the complaints when read, are so similar to my situation that one has to believe that this is a scam that has succeeded. Even the same utility company is named, XXXX XXXX in several of the complaints so XXXX and/or XXXX likely bought a list of delinquent accounts from XXXX for pennies on the dollar and are now out trying to collect anything they can. Why else would the first notice offer to settle a supposed debt of {$970.00} for a quick fee of {$240.00}? How can XXXX  allow false information to be added to my profile without my being informed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05 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: PA

Complaint narrative:
XXXX XXXX XXXX open XX/XX/XXXX Amount XXXX account paid in full XX/XX/XXXX For the amount of 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 2018-02-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX open XX/XX/XXXX Amount XXXX account paid in full XX/XX/XXXX For the amount of 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 non-monetary relief
Consumer complaint received 2018-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I purchased {$200.00} worth of Ethereum totaling XXXX ETH after fees off Coinbase. There was an error and I received an email cancelling the order. The occurred on XX/XX/XXXX. My bank account was debited {$200.00} and the charge is not reversed. In my transactions, I see the amount purchased and another event called " Sent to coinbase '' showing the purchased Ethereum transferred out of my account. Coinbase has not responded since.

Case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
I never paid for this company for anything there are stalking my credit it's not mine I told them To cancel before I don't kno anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
spoke with XXXX  on XX/XX/XXXX in regards to removing the public record items from my credit report. Question three representatives whether or not my name, address, social security number or birth date was included. The first agent stated no, but refused to remove the information. The second agent refused as well. Placed on hold for a third agent/supervisor who never picked up the line. Items Tax Leins appear on XXXX and Transunion | Bankruptcy appears with all three agencies Tax Lein Date Filed - XX/XX/XXXX - {$4700.00} Court File - XXXX | Case - XXXX and XXXX Date Filed - XX/XX/XXXX - {$1300.00} Court File - XXXX | Case - XXXX and XXXX Bankruptcy Date Filed - XX/XX/XXXX Court File - XXXX or 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 2018-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
spoke with XXXX on XX/XX/XXXX in regards to removing the public record items from my credit report. Question three representatives whether or not my name, address, social security number or birth date was included. The first agent stated no, but refused to remove the information. The second agent refused as well. Placed on hold for a third agent/supervisor who never picked up the line. Items Tax Leins appear on XXXX  and XXXX | Bankruptcy appears with all three agencies Tax Lein Date Filed - XX/XX/XXXX - {$4700.00} Court File - XXXX | Case - XXXX and XXXX Date Filed - XX/XX/XXXX - {$1300.00} Court File - XXXX | Case - XXXX and XXXX Bankruptcy Date Filed - XX/XX/XXXX Court File - XXXX or 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 non-monetary relief