vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I filed bankruptcy went to get a van in XX/XX/2015. I had been paying on the vehicle for over a year and XXXX XXXX did not report one payment made. I came to find out that they put on our credit in the same month we purchased, that the account was in default. We told them they said it was nothing they could do, but kept wanting us to pay. We gave the vehicle back because they refused to fix this issue of reporting to the bureaus. Now they want to post on our credit a repossession. We have emails and proof from past credit reports pulled of their postings

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 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX, I attempted to get my free credit reports using XXXX. I filled out the form, and sent it to XXXX, and received a complete and accurate credit report on line. When I tried this for Equifax, I was told that I had to request the credit report by mail, and that I had to supply documentation in the form of a copy of my Social Security card and my driver 's license. I have requested credit reports in the past, and I have never been asked for more information than has been on the request form. 

I will be sending the credit request form but not the other documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX a hard inquiry was reported on my credit report from Syncb/walmart and another was reported on XX/XX/XXXX from XXXX/XXXX. I have not applied for credit from either one of the companies. I contacted XXXX to inform them of the error and to ask them to remove the inquiry from my report. As of today, I have not received a reply/response from XXXX. Both of the inquiries were based out of XXXX, Florida. I do n't want to wait 2 years to have it dropped off of my credit report. 

I do n't have any additional information of these accounts to present to you, but I can just show you what is displayed on my credit report. 
XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + Thank you for your assistance.

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 2017-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
MY HOME IS BEING FORECLOSES IN XXXX CO.XXXX XXXX XXXX WITH A FRAUDULENT ROBO SIGNED ASSIGNMENT. THE ASSIGNMENT WAS CREATED AFTER THE CUT OFF DATE OF THE TRUST. XXXX XXXX IS THE TRUSTEE FOR THE HOME EQUITY ASSET TRUST 2006-5 HOME EQUITY LOAN TRUST FOR THE CERTIFICATES HOLDERS. THIS TRUST WAS CLOSE WHEN THE ASSIGNMENT WAS CREATED. I SENT A QWR AND DEBT DISPUTE LETTER TO SELECT PORTFOLIO. THEY CLAIMED THEY COULD N'T TRANSFER MY CALL TO THE OMBUDSMAN DEPARTMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX we tricked in refinancing our mortgage muly mother and father are foreign so they barely understood the terms that the wachovia rep was telling them.they said if we had refinanced with wachovia which is now well fargo we would get {$27000.00} check.so my father decided to refinanced with wachovia because we needed money at that time to do some renovations through the house. One month later when i called XXXX XXXX XXXX or who over got my father to sign those papers said that we would get NOTHING IN RETURN.WE ALL SAT THERE SO SHOCKED AND DISBELIEF THAT WE WERE TRICK IN SIGNING OVER TO WACHOVIA TO GET XXXX FOR NOTHING WE WAS PROMISED THAT WE WOULD. Ok now we sign in not knowing it was an adjustable rate mortgage now ANOTHER PROBLEM. Now we heading to foreclosure around XXXX and i just started college and i had to look for an foreclosure agency to help us ..oooo the XXXX had just begin from always missing document and they never recieved thos and that.so now after a year we got a modification but now switch to well fargo so we thought this would be goood EXCEPT ITS AS IF WE JUST PURCHASE THE HOUSE BRAND NEW WE HAVE BEEN LIVING IN THAT HOUSE 16 YEARS AT THAT TIME BASICALLY WE GOT RIPPED OFF.NOW NOT ONLY WE PAYING AS IF WE BOUGHT THE HOUSE OUR MORTGAGE PAY OFF IS XXXX WHICH DOES NOT MAKE SENSE IF WE REFINANCE A 30 YEAR MORTGAGE IT SHOULD BE XXXX IF ITS STARTING IN XXXX BUT THEY PUT XXXX XXXX FAIRLY CONFUSED WHY IS IT XXXX IF ITS 30 YEARS PLEASE HELPPPPPPPPP BECAUSE WE ARE DEFINITELY GETTING RIPPPED OFF BY WELL FARGO BIG TIME

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 2017-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have two credit cards with capital one each with a paltry {$500.00} limit. As a result of my mother 's XXXX last XXXX I have had to travel frequently to where my parents resided for a week or two at a time. This forces me to pay the total balance on the credit cards multiple times per month in order to have credit for rental car/hotel reservations, travel, etc And though each card has been paid from the same bank account via ACH more than 100 times eachover the course of the year, and the bank account has been verified umpteen times, and there has NEVER been a problem of any kind with a payment,, the computer freezes the payments almost 100 % of the time, with no indication as to why, how long or any other specifics. I 'm always told " it because of suspected fraud '', and since I long realized that the suspected fraud is me paying off the cards, I feel at this point that I 'm being harassed and discriminated against as a result of prior credit issues. 

I have spoke to so many people at Capital One and wasted so much time on this issue that it just simple leaves me numb. I would like it to stop, or alternately to find an attorney willing to sue them on my behalf for discrimination and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I currently have a dispute pending with Transunion and for some odd reason they have placed me in the priority department that has no direct number and when I leave a message multiple times they do n't return my call. If I 'm not mistaken its illegal to have a department without a number. Not to mention I have multiple inquires on my account that I did n't not authorize at all. I would like these inquires removed immediately. No one from the overseas call center or the United States call center has been able to assist because my file is locked. This is very frustrating because the inquires are a result of someone using my name. Transunion told me I have to contact the creditor and that 's FALSE according to the FCRA. The must provide me proof that I authorized these inquiries. I do n't want a computer generated answer back either. I 'm tired of wasting money on certified letters.

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 2017-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Keep submitting documents and agents keep being switched on my account just being ran around in circles

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 2017-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I received a letter from Central Financial Control that was dated XX/XX/XXXX. The outstanding balances are for the following medical bills and dates of service : {$350.00} XXXX XX/XX/XXXX {$1000.00} XXXX XX/XX/XXXX{$350.00} XXXX XX/XX/XXXX {$550.00} XXXX XX/XX/XXXX Within the letter, they state that the letter is " an attempt to collect a debt by a debt collector, any information obtained will be used for that purpose. '' And for the account that is still within the limitations, they are n't reporting the balance correctly, as according to their correspondence. 

This is in clear violation of Florida 's statute of limitation for attempting to collect a debt. I am filing a dispute for Central Financial Control 's disregard for the law and consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
XXXX XXXX in XXXX XXXX Wisconsin from whom I purchased a desk top computer and returned for service assured me they would be able to fix the problem I was having and after many attempts I took it back to them for further analysis and fixing. They eventually after several contacts told me they would have to send it to their service center which they did and contacted me several days later telling me they would charge an additional {$750.00} to repair which happened to be a factory defect ( a defective program interfacing with the 'touch screen ' ) I called the XXXX factory technical department and was told by they to have the XXXX XXXX XXXX XXXX service center return it to their store where I would need to pick it up and resend it to the XXXX. Service Center. They told me I was being 'grossly ' overcharged by XXXX XXXX   and appeared I was being 'stiffed ' by them for more than double their estimated cost of repair. Charges by XXXX XXXX were disputed by me for an amount of {$190.00} which were in addition to charges of {$210.00} I disputed earlier and successfully defended by American Express. I have a full set of notes regarding the experience I had with XXXX XXXX and recently cancelled my in store cresit card with them since I refuse to do any further business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX, I took out a mortgage loan with XXXX, XXXX D/B/A XXXX XXXX XXXX XXXX, A Limited Liability Company for the amount of {$420000.00}. On XX/XX/XXXX there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX, XXXX D/B/A XXXX XXXX XXXX XXXX, A Limited Liability Company to XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX started a foreclosure action against me for the amount of {$420000.00} which is about {$2900.00} from the original mortgage 10 months earlier, but I had already paid about {$27000.00}. How is that possible? I tried fixing the problem several times by submitting loan modifications on XX/XX/XXXX I was denied a loan modification because the investor declined. On XX/XX/XXXX I was offered a Trial Payment Plan, but I had to decline the offer because they were increasing my mortgage payment by {$530.00} and wanted a down payment of {$50000.00}. On XX/XX/XXXX I was denied again because the investor declined a loan modification. It seems like they do not care whether I pay them back or not, which is why they a offering me an impossible loan modification. I am a victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
id theft victim report enclosed to police and id theft gov violates cra inaccurate information must be removed

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 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
NCAC is attempting to collect a debt I allegedly owe in the amount of XXXX for an Apartment complex I lived in XXXX to XXXX. Upon Move out I was told that I was to be emailed and mailed a copy of my move out statement - which I never received from XXXX XXXX. By the time I received any notification of any monies owed, the " debt '' had already been sold to a collection agency NCAC. I contacted the leasing office to get verification of debt and to find out how they came up with such a ridiculous amount even after keeping our apartment deposit and pet deposits. I was told that it was no longer their problem and to take it up with the collection agency. OnXX/XX/XXXX I sent a certified letter which NCAC recieved onXX/XX/XXXX asking for proof that I owed NCAC XXXX and to show proof of a signed contract that I owed NCAC any money. They failed to provide any such contract between me and them and instead sent me a copy of my lease with XXXX XXXX and a move out statement. On XX/XX/XXXX I sent another letter again asking for proof that I owed XXXX to the National Credit Audit Corporation and how they came up with that exact amount. They received the letter onXX/XX/XXXX and I once again received no such proof and was only sent a copy of the lease and a vague move out statement. On XX/XX/XXXX I requested new copies of my credit report from the Bureaus and NCAC also failed to mark my account as disputed within the appropriate timeline provided by law. 

As per the law not only were the unable to furnish any proof of how the debt had been calculated they were also unable to prove or furnish any signed contract I had with the NCAC making me liable for this alleged debt. 

They also violated the law by not marking my account as disputed within the allotted timeframe of 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I opened an account with a bank institution and they kept telling me i was late on my payments even though i was n't. They added so many extra fees and late penalties even though i could show them that i paid every bill that i received that i finally just closed the account and since they refuse to work with me then i refused to work with them. But now they have put things on my report that are damaging it severely.

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 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has failed to conduct a proper investigation on the inquires that are unauthorized on my credit report. I have attached the letter I sent them and they sent me a computer generated response saying the inquires were factual and there is no way they did a proper investigation while seeing proof I authorized these inquires. I 'm just asking them to comply with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Hello, I have been getting the run around about resolving this loan for over a year with Navient. No one can seen to tell me who this loan belongs to, or if it has been sold to another creditor agency. I 'm not sure and can not get answers on how my old XXXX XXXX government loan transferred to a private loan. I have been trying to get answers, and no one can seem to help me. My loan from 2006 started off as {$1500.00} and is now is {$5000.00}. This loan should be a federal loan and not private. In 2006 when I started XXXX University, I was under the impression that I was signing up for a federal loan, per my documents that I have. All of my federal loans are consolidated and I would like to get this loan consolidated and taken care of as well as soon as possible because it 's having a major impact on my credit score. The loan is even being reported on my credit as EDUCATIONAL. So confused about what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP
State: NY

Complaint narrative:
I depositeda cashier 's check XXXX/XXXX/XXXX, at my account in Key Bank ; checked bank XXXX/XXXX/XXXX and teller said funds would be available in morning, XXXX/XXXX/XXXX. I received cashier 's check per XXXX XXXX mail received - letter is attached. I transferred 2 money grams to address assigned, after checking account for availability of funds. Each was {$930.00} and each cost was {$11.00} per transaction. I work 2 jobs and also received pay from 1job on Friday XXXX/XXXX/XXXX. I periodically checked account through the weekend and had over {$300.00} in my account. I checked account Monday XXXX/XXXX/XXXX and was over {$1900.00} negative. I called customer service at Key Bank at XXXX PM and was told it was just a hold on the check. I asked if I should put a hold on my account so no other funds would be withdrawn, but was assured by rep that balance would be over {$300.00} in morning. I called customer service today, Tuesday morning at XXXX and was told same, by XXXX it would fall off and balance would be positive. I checked at XXXX : and still negative. I called customer service and was told it was not valid, no funds available and to try reaching out to XXXX XXXX. I assured him that I had been trying. I went to the Key bank in XXXX and was given the # for fraud. I went home and called the fraud department and asked about reimbursement and how I could have carried out transaction if funds not available. I was told that they did not have anything to help but filed dispute. I do not want to see anyone else go through this but also feel the bank has to be responsible for misrepresentation. I am terrified as my direct deposits from work will continue to go toward a negative account that just continues to go in the negative. I ca n't pay bills, buy food or anything and I am really terrified.

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 2017-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My wife and I both had XXXX accounts with XXXX XXXX. I am listed as the primary on my XXXX and my wife is listed as an authorized user. My wife 's account list her as the primary and I am listed as an authorized user. My wife XXXX XXXX X/XX/17. I notified XXXX of her XXXX and asked that they close the account. XXXX made an un-authorized change to my wife 's account changing me from an authorized user to the primary. I have asked multiple XXXX representative how this has happened without any explanation. I have also requested for a copy of the application and they claimed they may not have it. My wife XXXX XXXX  without an estate to pay her debt. Since I am not a co-signer to the debt and only an authorized user I can not be held responsible for her debt. To date XXXX has removed my wife 's name from her account which shows they recognized her XXXX and wanted to quickly change responsibility to someone else. They had closed the account and within the last month they re-opened the account to an open status. My account still has my wife 's name as an authorized user but it has a closed status.

Company response to consumer: Closed with explanation