vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-23 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: CA

Complaint narrative:
XXXX XXXX and Barclays Bank Deleware on XXXX & XXXX reinserted them back. They deleted them and now they re-inserted them. They never notified me or called me or mailed me under the law of FCRA. To whom it may concern : On date XX/XX/XXXX to XXXX, XXXX, I discovered negative accounts XXXX XXXX and Barclays Bank Delaware on both XXXX and XXXX that are deleted and had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
CitiMortgage paid our 2017 property taxes of XXXX my wife and I paid them back in full and paid our winter taxes on XX/XX/XXXX2017 and they told my wife that they would return our mortgage back to normal of XXXX a month and they lied like they always do, now they are trying to foreclose on our house they raised our monthly payments to XXXX a month through all this we have never missed a payment and they are still going ahead with foreclosure on us and we have never missed a payment in sixteen years we less than half the time to pay off our house please help us keep our house. I have put a lot of our money in the house to keep it up just to lose it to a big back even after we lost half of its value in the house after the market crashed we stayed when everyone else left there house we stayed and continued to pay for it. They have damaged our credit so we ca n't refinance with another 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 2017-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America said I have unpaid and suspected fraud activity on my account and was closed. The amount was paid and they send me a check back, so now XXXX XXXX  has closed my account down to due to Bank of America mistake. I need my name cleared.

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 2017-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
A debt was sold to a new collection agency ( XXXX ) for XXXX who did not notify me within 5 days that the debt was being sold or even call me or send me a letter to give me the oppurtunity to settle the debt or dispute it before it was added to my credit report which is a violation of the reinsertion law they reported on XX/XX/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 2017-12-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting two accounts for student loans with a company called XXXX ( Account # XXXX ) that was opened due to identity theft. I have sent in police reports to prove this identity theft and these account still have not been removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: 1st Money Center, Inc., Hurst, TX Branch
State: IL

Complaint narrative:
XXXX XXXX is working with several coin companies on pump n dumps and costing americans billions of dollars by the day scamming people with pay to play tactics. i can send you more proof plus my XXXX login. So far hes pumped XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
XXXX XXXX under a company called XXXX XXXX sent a credit card application with my name on it to an address that I do not live at and I have never lived there.

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 2017-12-24 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I HAVE CONTACTED XXXX XXXX TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF {$120.00}. THEY SOLD THIS ACCOUNT TO XXXX XXXX AND THE ACCOUNT WAS PAID IN FULL. THEY SHOULD NOT REPORT THIS ACCOUNT SINCE THEY SOLD THIS ACCOUNT TO A COLLECTION AGENCY. THE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES. PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A COSUMER 'S ACCOUNT TO A LATER DATE AND DUPLICATIVE REPORTING, PARTICULARLY FOLLOWING ACQUISITIONS OR SALES, MERGERS AND OTHER TRANSFERS. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION.

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 2017-12-24 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: MOHELA
State: CA

Complaint narrative:
XXXX is reporting two accounts for student loans with a company called Mohela ( Account # XXXX ) that was opened due to identity theft. I have sent in police reports to prove this identity theft and these account still have not been removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: RFNA, LP
State: KY

Complaint narrative:
XX/XX/XXXX obtain personal loan ( {$2200.00}? ) from XXXX XXXX in  XXXX, KY. They claim I have 7.5 payments left when I went into office in XX/XX/XXXX. This loan was for 24 months. Interest is high. I pay {$160.00} a month and originally went in office to find how much of each {$160.00} is going towards the principal. They claim they would have to calculate it as their computer only shows payments made. I calculate {$160.00} for 16 months is {$2600.00} paid in, but told pay off I would need another {$1200.00} as of XX/XX/XXXX. If I had paid it off that day would of totaled {$3800.00}. 24 months at {$160.00} would be {$3900.00}, so something funny there. I would save {$71.00} interest for paying off early!. 
With this loan life insurance and an auto club was added into as well. ( have viewed comments where this is a common thing they do ) I cancelled both, and was told {$39.00} put back to acct from life insurance and XXXX XXXX. sent me a check under {$200.00} refund. But that was " cash I used '' I was told so I have a suspicion this was additional money added to loan, Then, instead of remainder of policy being cancelled out, they just added refund as additional on top. Suspicions because I am unable to get anything from them. I sent an email to their main office, ( XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX, LA XXXX ) but got an email back stating : Please expect correspondence from XXXX XXXX via certified mail to the address of record. Please let me know if I can assist you further. This was on XX/XX/XXXX. 

A note, never been late, always on time, as they take out of bank acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is charging me 24 % on my credit card unpaid balance for no logical, justified or apparent reason

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 2017-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: DC

Complaint narrative:
Due to the fact that I a not a U.S citizen, I did not understand that when resolving issues, like these i had to go to all credit agencies, and because of this lack of knowledge I only contacted XXXX to have the problem resolved. XXXX XXXX XXXX recently bought an outstanding {$1000.00} XXXX debt in my name dated XX/XX/XXXX. However I had contacted XXXX about this issue ; listed under 'XXXX XXXX XXXX ( ERC ), and had it removed from their records back in XX/XX/XXXX ( XX/XX/XXXX ) when i showed proof that the social security they had on file that was connected to the debt was n't my social security. Then issue still exists under my XXXX and my XXXX files and I 'd like it removed from these scores also.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
This loan is under American Eduction System, under the name of XXXX XXXX or XXXX XXXX for attending XXXX in the XXXX XXXX area in California. We believed this loan was originally for our older son XXXX XXXX, however he attended XXXX XXXX XXXX garduating in XXXX. The loan was issued in XXXX when neither one of them were attending XXXX. We have been trying to get loan history and whos loan this is and have not been given any information. We now believe that we have been paying on this loan for 10 years without actually owing any monies. The reason we have waited to dispute this is beacause we did have 2 kids go to XXXX and we did take loans out for both, however when we took the loan to the kids, we decovered the descrepancies in the loans. All loans for XXXX XXXX started in XXXXXX/XX/XXXXandXX/XX/XXXX, with XXXX XXXX which were sold to XXXX services. XXXX XXXXXX/XX/XXXXStafford XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 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: FL

Complaint narrative:
Hi guys how you doing, well what happened was that i saw my credit score drop XXXX points on XXXX XXXX so when i look in to it i saw two new hard inquiries Syncb/XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX   XX/XX/XXXX Please i need your help clearing this. I did not apply for or request credit from neither one. Thank you and Happy Holidays.

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 2017-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We have been working with XXXX XXXX XXXX XXXX for almost 7 months to complete a re-fi cash-out on a small vacation property. Our credit scores are exceptional and financials impeccable. Wells Fargo has either lost, misplaced or had documents expire which has prolonged this transaction beyond an acceptable time frame. The rate lock has expired at least 4 times. The title commitment expired after 6 months and Wells Fargo wanted to charge us the {$100.00} fee for updated title documents. I refused to pay that since that was due to their slow process. The appraisal had to be updated after 4 months. The payoff of the original mortgage had to be updated at least 4 or 5 times. There were at least 6 emails from Wells Fargo that stated we were in " Final review ''. That never happened because financial documents kept expiring and had to be resubmitted and then reviewed by their underwriting team. Turned into a vicious cycle in which I finally refused to submit more and more documents. Had to get upper managers involved to try to resolve this matter which may now be close to completing. This should have been finished months ago. LTV is less than 45 %! Could have paid this mortgage off with our own funds but wanted to lower the interest rate, lower the payment, and use the additional funds to pay off another investment property. Whole process has been unacceptable. We have completed many, many loans and this has been the worst loan of them all!!!

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 2017-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Bureau, Inc.
State: OH

Complaint narrative:
Sent a letter all 3credit bureaus for the credit collection agency, American credit bureau to validate that i owe this debt and the collection agency sent letter with black marker scribbled on it. I feel this is a HIPPA violation.

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 2017-12-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XX/XX/XXXXask for information on how information was obtained and proof that debts where in fact mine and who collected this information and process this verification obtained I received a letter dated XX/XX/XXXXthat ALL INFORMATION WAS VERIFIED and not one item was confirmed with proof of verification as stated by federal 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 2017-12-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XXXX ask for information on how information was obtained and proof that debts where in fact mine and who collected this information and process this verification obtained I received a letter dated XXXX that ALL INFORMATION WAS VERIFIED and not one item was confirmed with proof of verification as stated by federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XX/XX/XXXXask for information on how information was obtained and proof that debts where in fact mine and who collected this information and process this verification obtained I received a letter datedXX/XX/XXXXthat ALL INFORMATION WAS VERIFIED and not one item was confirmed with proof of verification as stated by federal 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 2017-12-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
RE : Experian & XXXX Reporting To Whom it May Concern : I have filed 4 credit disputes with the above referenced agencies regarding erroneous information. All I have received is a statement stating they have checked and confirmed the existence of and correctness of stated report. 
They have failed to prove the listing reporting debt holder is the owner of debt. 
They have failed to show me the debt is mine and that the debt exists. 
Lastly, they do not accurately include my statements of the disputed information. 
These actions have caused me significant harm and cost during the past 18 months. My attorney is preparing legal action against all parties, but recommended that I contact the appropriate government authorities prior to my legal actions against the parties. 
I would greatly appreciate substantial assistance in this important matter. I know I am not the only person who has suffered at the hands of improper and / or illegal reporting of alleged debts. 
I have over {$30000.00} in outstanding debt and more than {$150000.00} in prior debt properly paid, however, their system is incorrectly stating I have a {$19.00} balance owning to XXXX and another {$1000.00} to some XXXX/XXXX company. Experian is also showing a debt to some debt collector agency neither Experian nor this XXXX are able to establish that I am the debtor, nor that either are the owners of this alleged debt. This is unacceptable. 
Please Help. Thanks Very Much. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2017-12-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
RE : XXXX & TransUnion Reporting To Whom it May Concern : I have filed 4 credit disputes with the above referenced agencies regarding erroneous information. All I have received is a statement stating they have checked and confirmed the existence of and correctness of stated report. 
They have failed to prove the listing reporting debt holder is the owner of debt. 
They have failed to show me the debt is mine and that the debt exists. 
Lastly, they do not accurately include my statements of the disputed information. 
These actions have caused me significant harm and cost during the past 18 months. My attorney is preparing legal action against all parties, but recommended that I contact the appropriate government authorities prior to my legal actions against the parties. 
I would greatly appreciate substantial assistance in this important matter. I know I am not the only person who has suffered at the hands of improper and / or illegal reporting of alleged debts. 
I have over {$30000.00} in outstanding debt and more than {$150000.00} in prior debt properly paid, however, their system is incorrectly stating I have a {$19.00} balance owning to XXXX and another {$1000.00} to some XXXX/XXXX company. XXXX is also showing a debt to some debt collector agency neither XXXX nor this XXXX are able to establish that I am the debtor, nor that either are the owners of this alleged debt. This is unacceptable. 
Please Help. Thanks Very Much. 
Sincerely, 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 2017-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I paid the balance of the credit card when it was due but it still charged me a late fee because the credit card company takes a couple of days to receive the money even though I paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX reported {XXXX} with a remark stating loan modifiedon XX/XX/XXXX. This account in question supposed to be a mortgage which I dont have. The property thats been referred to was taken back in XX/XX/XXXXby XXXX XXXX XXXX ( principal balance was XXXX ) that was the last time I heard anything about the property. Until XXXX XXXX XXXX  appeared on my credit report this month. The company stated to me that the loan was transferred to them by a company named XXXX ( I do not know the company ) in XX/XX/XXXX and I modified the loan in XX/XX/XXXX. I do not live in the property nor do I own the property since XX/XX/XXXX. To my understanding XXXX XXXX XXXX has received and holding insurance proceeds on my behalf which I did not give them any consent to do so. I have requested for the alleged application that I sign to request loan modification which the company is unable to provide.

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