vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
wells fargo foreclosed on our home broke the bottom door apartment although we were home up stairs we were supposedly working on modification with themthey claimed i never had a court case case #  XXXX  never had my day in court but did they show up? this should be investiated we sined for PARTIAL PAYMENT PROGRAM WHERE THEY EVER PAID on our behalf from the government? they keep saying what happened as if they are right wheres the investigation? check were sent back because they said it wasnt the full amount of mortgage owed when it was only suppose to be a monthly payment.said we idnt keep in touch i have dates times and names so how can that be. im not giving up on things they said we were working on and then got put out

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 2017-06-09 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On or around  XXXX  2017  a fraudulent credit card application was submitted using my social security number.  <P/> After receiving a letter from  XXXX   XXXX  confirming the fraudulent activity. I contacted the  XXXX  credit reporting agencies for copies of my credit report for review of any other unusual in formation on my report. I received copies from  XXXX  of the  XXXX  bureaus   XXXX   and  XXXX .  <P/> AS of this date  XXXX -2017 Equifax have not responded back. I forwarded a written letter as well as a confirmation letter of the fraudulent activity to Equifax and has still not had a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09 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: FL

Complaint narrative:
The credit bureau is not supposed to be reporting an  XXXX   XXXX  account on my credit report. The account number is "  XXXX  ''. They told me they would send a request to the  XXXX  credit reporting agencies to have this account removed from my record completely. I was also sent a letter back in  XXXX  directly from  XXXX   XXXX  confirming that they had already sent the request for deletion. I am including a copy of this letter from  XXXX  along with this complaint. I just had my credit pulled and I was turned down because the credit bureau is still reporting this account on my credit? Why has this not been removed from my report as promised?

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 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureau is not supposed to be reporting an  XXXX   XXXX  account on my credit report. The account number is "  XXXX  ''. They told me they would send a request to the  XXXX  credit reporting agencies to have this account removed from my record completely. I was also sent a letter back in  XXXX  directly from  XXXX   XXXX  confirming that they had already sent the request for deletion. I am including a copy of this letter from  XXXX  along with this complaint. I just had my credit pulled and I was turned down because the credit bureau is still reporting this account on my credit? Why has this not been removed from my report as promised?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
2016 MidLand Agency for XXXX XXXX, is claiming I owe but I paid them in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09 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: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
Hyuandi Motor Finance is reporting inccorect information cncerning my auto loan account. They have change my status on the account several times once being contacted concerning the mistakes reported on my   XXXX   XXXX   XXXX   XXXX   credit porfiles. Each profile is stating different information and I have documentation to prove that the information is incorrect. I have placed several disputes against this company and they will make the corrections for about seven days and then automatic report the incorrect information agin.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX   XXXX   XXXX  is reporting inccorect information cncerning my auto loan account. They have change my status on the account several times once being contacted concerning the mistakes reported on my  XXXX , Experian and  XXXX  credit porfiles. Each profile is stating different information and I have documentation to prove that the information is incorrect. I have placed several disputes against this company and they will mak e the corrections for about seven days and then automatic report the incorrect information agin.

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 2017-06-09 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: CA

Complaint narrative:
Transunion verified   XXXX   XXXX   XXXX   account  XXXX *** and   XXXX   XXXX   XXXX   account  XXXX **** on  XX/XX/XXXX /2017.  XXXX   XXXX   XXXX   is a collector for   XXXX   XXXX   XXXX   XXXX   the hospital closest to my home.I am a   XXXX   XXXX   XXXX   VETERAN with full medical benefits.While we are supposed to go to a VA facility for healthcare normally, if we have an emergency, we can go anywhere.I thought I was having a   XXXX   XXXX   with all the symptoms of one.I was on the phone to VA staff explaining my situation, they told me to call  XXXX .An ambulance was called and transported me to  XXXX .When there I told them I had VA benefits.YOU MUST DELETE THIS ACCOUNT ACCORDING TO LAW.
  XXXX   XXXX   XXXX  , collecting for   XXXX   XXXX  , THE ORIGINAL CREDITOR ... ... Some time ago I visited a   XXXX   Store at   XXXX   XXXX   XXXX  ,   XXXX   XXXX   CA.I was defrauded by two store salespeople who had an intent to defraud me.
They sold me a plan of unlimited usage at   XXXX   dollars per month which I was happy with.
When the first bill came there was a multitude of added on charges and fees which were never disclosed to me and added to whatever I had to sign after I signed.I was so angry at the obvious commission ploy/ fraud that I refused to pay the bill because what I received was not anything close to what I ordered with the two salespersons.You must delete this item as you have not only committed fraud but damaged my credit standing as well.

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 2017-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a letter from Synchrony Ba nk ( lo ses card ) stating there reduced my limit from {$3000.00} to {$2100.00}. The reasons were based in a part on a credit scoring system that was used, and my score was a  XXXX  with  XXXX . I find that to be interested, my payment was due on  XXXX / XXXX /  XXXX  , I was late by two days and made the payment and spoke with their client chat support via online. I explained I was late due to being hospilized with my   XXXX   XXXX    XXXX . I asked the representative to please waive my fee, which he did and i set up recurring payments. I 've been a customer with this bank for over 2 years and made timely payments and never utilized my full credit. I called their customer service number at  XXXX  on  XXXX / XXXX / 17  at  XXXX  ;  XXXX   XXXX . I spoke with an  XXXX  explained i wanted more details and speak with someone she hung the phone up on me, I called back again and got an  XXXX  and the phone was disconnected again. I feel very frustrated that as customer I ca n't get into with the credit division and to be treated this way. If i was not in the process of getting a mortgage i would of close my credit card. The major reduction with no bank credit contact has really caused me to question this bank integrity and client service. I 'm asking for someone to please help me get into touch with this bank.

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 2017-06-09 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I bought a 36 in grilled cooking station and it has not yet arrived to me and I have a feeling it was sent to the wrong adress this is very frustrating and sad. I demand a complete refund. I had to ask my boss to be off work today just to wait for that 36 in girl it is not very professional if that was the case. That my order got lost. I want a full refund. I waited all day waiting for my order to come thru the XXXX or register mail or even XXXXShipping but it seems like is not the order was track and it said it been deliver but it 's incorrect. It 's false. I want a full refund and hope that walmart undestands my concerns about it I never had expected this or experience my order to get lost. Not very professional now I have to go to neighbors houses to see if any body received my package or if it got stolen. Either way I want a refund. It 's not my fault or responsibility to be looking for that package I am stress out right now and so mad. I hope walmart does credit the 36 in grill back to me, and if I can recuerda it if I do find it the least they can do is let me keep that one if I do find it but I doubt it I will be going to places and ask neighbors to see if they receive it by mistake. This is very frustrating, so mad.

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 2017-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VNU Group, LLC
State: CA

Complaint narrative:
I wa notified via mail that I had a payment due on an account. I did not request any products or services from this company. I contacted their fraud department and filled out their fraud affidavit as well as filed a police report. I forwarded all of this information to the company. USPS certified mail indicates that the company received this information on XXXX XXXX, 2017. There has been no further action from this company since.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In the  XXXX  of  XXXX , I applied for income-dependent repayment. This application has still not been processed as of  XXXX   XXXX ,  XXXX . The company, Navient, says that they have not received appropriate income documentation. I have sent them alternate income documentation according to their instructions. I called the company twice and each time the person helping me on the phone could not find any documentation that was lacking. I asked them to submit queries as to what further documentation was needed. The company does not tell me what further documentation they require. I believe this is an intentional action on their part to avoid giving me income-dependent repayment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
2016   XXXX   XXXX  fo r Target Stores, is claiming  I owe but I paid them in full

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: AL

Complaint narrative:
Equifax Credit Bureau has  XXXX  negative marks on  XXXX   XXXX   XXXX  accounts on my credit report. Both accounts have a mark of 120 days past due for  XXXX   2011 . I filed  Chapter   XXXX  in  XXXX   2011 . According to the Bankrup tcy Laws, I s hould not have any negative marks against my accounts once the Bankruptcy was filed. The Bankruptcy is public record, so it should not be difficult to correct this issue. However, I have file several complaints concerning these issues. Equifax is reporting fraudulent information towards my credit report. Why ca n't this be corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK
State: OR

Complaint narrative:
I have been processing  a 2nd mortgage for a home purchase through TCF Bank. They have approved the loan then kept finding little things to update and request changed ; most recently they forced our appraiser to update their appraisal for frankly frivolous reasons. Finally, today, they told my broker that he should withdraw the loan as fraud to avoid getting into trouble. I have a seller threatening to withdraw from the contract and charging me $  XXXX /day to keep the purchase alive and TCF is playing psychotic games and throwing insulting comments about terrorists and strawma n purchases. They have been abusive and defamatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On  XXXX   XXXX ,  XXXX  my Navy Fe deral Credit Union checking account was closed due to check fraud. I advised Navy FCU I had been an victim of identity theft. Navy FCU n ever advised me of any additional steps to take to revive my checking account. I recently filed bankruptcy chapter  XXXX  and on  XXXX   XXXX ,  XXXX  my chapter  XXXX   discharged. I sent Navy FCU an appeals letter along with proof of bankruptcy and identity theft. I would love to establish a new relationship with Navy FCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX

Complaint narrative:
I owed a debt to  XXXX  ; they hired RMCB to collect the debt. The initial calls were with a very pleasant young man who honestly seemed as if he was trying to work with me. I made a payment with a credit card, let 's call it  XXXX , and attempted to set up a payment plan to pay the rest. The young man was so intent on my paying a settlement that he got a satisfactory amount approved throu gh his " manager. '' I  agreed and set up the payment with a different credit card,  XXXX , than th e one I  had used for my first payment. The payment was to come out  XXXX   XXXX ,  2017 . I called in to reschedule the payment to  XXXX   XXXX ,2017. The payment came out  XXXX   XXXX ,2017, but not on  XXXX , the card from which I authorized payment! They took the payment from  XXXX , for which I had not authorized payment. To make matters worse, I received the absolute nastiest letter on  XXXX   XXXX  that had been drafted  XXXX   XXXX  demanding payment. Remember, I had already made arrangements to make this payment on  XXXX   XXXX . All they had to do was wait 3 days before sending me the foolishness that they did. Very disrespectful!  XXXX  and other businesses need to know with whom they are doing business when they hire debt  collectors. Not a g ood look for any company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I received an e-mail indicating that I had applied for a loan through my e-mail when I had not applied for anything. I notified the company that this was a case of fraud and gave them my phone number to contact me. However, they insist that I provide an affidavit and my I.D . to cancel the application. I never applied for anything! Therefore, it is not my responsibility to provide my identification to a company that I am not associated with nor want to be associated with. This kind of practice is what perpetuates identity theft and clearly no one is monitoring how they are handling their fraud cases. I want the loan cancelled that was associated with my e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Paid off loan in  XXXX  of  2017  with   XXXX   XXXX   . Vehicle was paid off with 2 pa yments of {$1100.00} and {$1500.00}. Company notified my that the title would be mailed  5-10  business days and still have n't received. Upon contacting the company they claim that the last payment should have been made by a cashiers check to clear not a credit or debit card payment. The balance is  XXXX  and shortly after paying the vehicle off I switched banks. They are now asking me to retrieve bank statements from my old bank to show proof I paid the vehicle off. I do not believe this is fair to me the consumer as I have waited almost 2 months for a title and they refuse to release it to me. I need help.

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 2017-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I spoke with  XXXX  from  XXXX  in  XXXX  of    2016  about my vehicle. I advised him that I will no longer be keeping the vehicle as my grandmother had passed on her vehicle to me which has no payment. I received several calls from the dealership trying to convince me to keep the vehicle. On  XXXX / XXXX / 16 , my vehicle was finally picked up. Since this time the dealer and owner  XXXX   XXXX  has not followed proper protocol in selling the vehicle as required to satisfy any remaining balance at the time. Instead it has been intentionally reported as an open auto loan on my credit report with a rolling unpaid balance each month. I have disputed this account several times with the dealer directly, with Equifax and with the Flori da Dept of Agriculture. The dealer would verify falsely verify the item as correct. When in fact it is not. Equifax would not conduct a fair and reasonable investigation, but instead used  XXXX  although I requested otherwise by certified mail. There are numerous inaccuracies besides the fact that I no longer own the vehicle. The dealer is claiming to be holding a vehicle for me which is also false, this is an attempt to conceal the fact that he/they have not complied with the laws both State and Federal pertaining to debt collection and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
On  XXXX   XXXX ,  2017 , at  XXXX  an individual by the name of  XXXX   from Navient called my  parents and left a voicemail informing them  Navient was tr ying to get a hold of me.  XXXX  informed my parents I owe money and it was a federal offense not to respond. She left a phone number in the voicemail  XXXX   XXXX   XXXX . My father returned the call by calling the number it came from and a female on the other end of the line answered, " Hello. '' My father said, " You called this number. '' And then the women hung up on him.  <P/> This is t he 4th time now I have requested Navient not to call my parents and the second formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I reached out to the company to dispute this collection account there was no document provided to show I own this account. Also this collection agency has not replied to any of my certified letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation