vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A credit card was opened in my name, without my knowledge some time in 2012 after my father and I visited a local branch and opened a student checking and savings account when I started college. I'm told this was done on line and that it was used for on line purchases. What complicates things is my father 's cell phone was used to set up the account and when he got calls and bills in the mail he made minimum payments thinking he was helping me. when I told him I never had a card he stopped. At that time, we began calling and writing to get this resolved. We have been unsuccessful and Wells Fargo isn't being forthcoming.

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 2018-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wife and I recently applied to have our home loan modifying with Wells Fargo and were turned down. Wells Fargo responded to our request to reduce our mortgage payment by saying they would offer us a short sale option We receive social security and can afford a reduced payment plan if the loan were modified with payments were stretched out over a longer period of time. I am XXXX XXXX XXXX and a XXXX XXXX XXXX veteran My wife is XXXX. We truly believe that Wells Fargo is discriminating against us because of our age. We have lived in this home for 45 years and don't want to leave. This is where we want to live for the remainder of our lives.

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 2018-03-01 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:
XXXX and Equifax are reporting a charge off that is 9 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: Bliksum, LLC
State: CA

Complaint narrative:
I began the dispute with XXXX XXXX beginning in XX/XX/XXXX and believe the reporting is inaccurate and in violation of consumer protection law. Specifically the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX Wells Fargo closes both of my Checking and Savings account that held over {$2000.00} due to suspected fraudulent activity and did not notify me the reasons only until I called their fraud department. The issue was somebody who agreed to send me {$1500.00} for bitcoin had reported on XX/XX/XXXX that I somehow committed fraud when I had indeed sent {$1500.00} in bitcoin days after. I sent the conversation by fax to their department and have been in attempts to contact the person in dealing. Wells Fargo has told me it will hold the funds and account closed for at least two weeks until the resolution is investigated and resolved. Meanwhile I can not pay rent today, phone bill, buy food to eat, etc. even though I have not been proven guilty nor innocent. I have been with Wells Fargo for almost ten years and have never committed fraud so I dont believe this is warranted. I believe they should at least release rest of my money and hold the {$1500.00} which is being disputed until resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo foreclosure fraud, No Standing to Foreclousure 1 ) XXXX XXXX Could not have effectively transferred assets after the date of XXXX XXXX 's Bankruptcy filing and after a bankruptcy court approved liquidation plan onXX/XX/XXXX and assignment of my mortgage between XXXX XXXX XXXX XXXX To XXXX XXXX  was dated XX/XX/XXXX. ( By XXXX XXXX office by Robo -signing and his document-processing firm XXXX XXXXXXXX XXXX ). ( Has not provided proof of authorization by bankruptcy court ) 2 ) .Second item of fraud, The Power of attorney which is between XXXX XXXX and Wells Fargo XXXX XXXX XXXX is not stated in the " Limited Power of Attorney ''. Note Wells Fargo Can '' t be the Attorney-in-fact for XXXX XXXX XXXX XXXX ( Robo-Signing ). Which is violated New York State Power Attorney law.it is suppose to say " XXXX XXXX XXXX  XXXX, by wells Fargo N.A as attorney-in-fact ).

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 2018-03-01 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have been keeping a close eye on my credit report because I have been a victim of fraud. Equifax is very aware of this information yet the do not seem to care or want to help me fix this issue. I have disputed my personal information on multiple occasions and it seems like they just keep adding it back or adding more wrong info to my credit file. This has happened so many times now that I am no longer able to dispute my personal information online and when I call the member service number they still do not want to help get my information correct. I want all personal information removed from my credit report other than my name - XXXX XXXX XXXX, my address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and employer XXXX . There should be nothing else under my personal info at all. Please delete all other information & do not add it back. I have sent Equifax letters, proof of my drivers license, my social security card, & my XXXX bill and they still insist on not deleting this wrong information. Delete " ALSO KNOWN AS '' and " PREVIOUS ADDRESS '' I have sent you proof that has been notarized. Abide by the law & remove all other information. I have also disputed a new inquiry found on my credit report that appeared on XX/XX/2018 from XXXX. This is an unauthorized inquiry. Please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
On or about XX/XX/XXXX, after repeated attempts to get proper consideration for loan modification requests from SLS, we employed the services of XXXX XXXX XXXX of XXXX for arbitration assistance in this matter. We paid that organization XXXX for the services, and agreed to pay XXXX XXXX/mo during the course of their services representing our interests in this regard. 

XXXX has not provided information that our foreclosure will not proceed forward, and we were not informed until late yesterday that they had been unable to process our requests due to a missing document. We have provided that document and expected information forthcoming that the sale scheduled for Monday, XX/XX/2018 at XXXX XXXX to be stopped and other processes taken up to ensure that we are provided fair opportunity to address the issues at hand. 

We now believe both SLS and XXXX have abused our trust and the terms of the agreements we had with those organizations and we are in danger of losing our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: GA

Complaint narrative:
I am trying to the best of my ability for a XXXX year to save my home. I have lived in this property for over twenty years and want to continue to remain here the rest of my life. I would like to receive a reasonable modification but have been told that I have to pay the arrears of {$21000.00} which I am unable to do. I deeply fill I am discriminated against. I need the mortgage company to work with me. I fell behind due to a loss of income, illness myself and partner plus a major home repair that had to be taken care of. All is well now and I am able to pay my adjusted modification mortgage when given. I am working plus my monthly Social Security is enough to take care of my mortgage, I am asking for your assistance in the handling of this matter as soon as you can as I don't want to loose my property. Thanking you in advance, Kindly,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion currently shows no credit history for me and my credit score is XXXX. I was unable to address the situation on line because they could not find my account. I was required to submit everything by paper and to date I have not received a response.

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 2018-03-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I placed an order on XXXX XX/XX/XXXX. I ordered 3 items. I received only 2 items but the 25 % coupon was not applied. I was on line again XX/XX/XXXXthose same 3 items are offered with a 50 % off code 3DAY. I sent XXXX 's a email asking the status of the item not received, the 20 % discount not being applied and letting them know that all 3 items are now 50 % wit that code. If they won't honor to send me a return label for the two items and have them picked up. The order number is 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 2018-03-01 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: CA

Complaint narrative:
I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want these removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of this fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 


I contacted Transunion through the CFPB with ALL THE INFORMATION needed according to the FCRA 2009 to furnish a block and received this which is violating the FCRA 2009 ( a ) After reviewing your complaint, we are unable to process your request because we were not able to determine the nature of your dispute. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. TransUnion declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) TransUnion has reason to determine that you have requested the block in error ; b ) TransUnion has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) TransUnion has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue I repeat these accounts are a result of Identity theft and are fraudulent that is the nature of my dispute I will repeat once again to show my Federal Trade Commission identity theft report with the balances & creditor name.. along with my police report number, I did not request this block in error, I did not make a misrepresentation of information, and I did not receive anything from these FRAUDULENT ACCOUNTS. 
They were opened without my consent, as i am a college student and should not be going through this. 


I will once more supply TransUnion with the nessesary paperwork to remove these fraudulent accounts that are causing me lots of pain and in-convince as a college student.

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 2018-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: IA

Complaint narrative:
I do not know who this company is or why they are contacting me about a XXXX XXXX XXXX. I called and they can not provide a validation of my account or any information but placed it on my credit report. I was told they tried to call in XX/XX/2017 and couldnt reach me at a number I had never heard of. I further asked if I was ever contacted via mail and they said they are not required to mail anything as a phone call is sufficient. This appeared on my report out of no where and I want it deleted immediately! I was told by their rep they are not required to know the FCRA rules cause its a third party collection agency and they purchased the debt and thats good enough for them to say its mine.

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 2018-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have recently paid Bank of America XXXX for a closed acct and XXXX XXXX XXXX for a closed acct documented and XXXX XXXX.. but bofa has place me in ews and I am unable to open any acct .. 
says account closed due to attempt to extract from acct in 2013 ( 2 ) .. I just want this removed so I. An move on with my life

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 2018-03-01 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: FL

Complaint narrative:
My husband and I recently tried to refinance our home through XXXX XXXX XXXX. Our loan agent pulled a credit report through XXXX XXXX XXXX and the numbers on the report had to be wrong. The report showed a credit score for XXXX for my husband which could not be accurate since XXXX currently shows all XXXX and no reporting history for my husband. A complaint was filed with the CFPB under XXXX. When my credit report was pulled the report also showed numbers from all three agencies even though my XXXX   credit report currently shows all XXXX  for me and no reporting history. A complaint was filed with the CFPB under XXXX. Obviously, there are issues that need to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: MI

Complaint narrative:
On XX/XX/XXXX, I received my credit file from Equifax/results from their investigation regarding XXXX XXXX XXXX XXXX account number XXXX and Equifax Confirmation number XXXX.Equifax investigation is inaccurate.On XX/XX/XXXX, I opened XXXX XXXX XXXX and is now called XXXX XXXX XXXX XXXX for XXXX XXXX in XXXX XXXX Michigan for auto repair and in XX/XX/XXXX this account was closed and paid in full.It is now XXXX, well over the 10 years and this account should have dropped off from Equifax as well as XXXX and XXXX   , but it hasn't.On XX/XX/XXXX around XXXX, I called XXXX XXXX XXXX XXXX and spoke to customer service agent XXXX @ XXXX, and she stated that Equifax, XXXX and XXXX should have removed this old account from your credit reports.I asked XXXX @ XXXX what is the the date it was closed because it does not show on my Equifax file and she stated that the closing date is not in their system but the last activity XX/XX/XXXX.I know this account is more than 10 years old.Therefore, equifax investigation is inaccurate.This closed account that's paid is hurting my credit score and overall credit and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
In XX/XX/2017 an account with Aragon Agency appeared on my credit reports. I immediately called the agency and was told it was for a past due XX/XX/XXXX account. I have never lived in Nevada and have never signed up for an account with XXXX XXXX. The company said that they would send a fraud claim packet and to this day I have never received anything I have also disputed with the CRAs directly and Aragon always responds that the infomation is correct and verified.

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 2018-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
This is the issue in which I am requesting a relief letter from Bank Of America. 

For consideration : BOA mortgage acct # XXXX XXXX. On XX/XX/XXXX, I filed a voluntary petition under Chapter XXXX of the United States Bankruptcy Code in the United States Bankruptcy Court. On XX/XX/XXXX, it was discharged. The debt was not reaffirmed. ( I attached a copy of the Bankruptcy doc and Letter of confirmation from BOA ) 2. A Deed In Lieu of Foreclosure was completed on the same property on XX/XX/XXXX. ( I have attached a copy of the Deed In Lieu doc ).

Note : I should not have been advised to enter into a second hardship situation on the same property that had previously been discharged in Bankruptcy.i A deed in lieu of foreclosure is a deed instrument in which a mortgagors ( i.e. the borrower ) conveys all interest in a real property to the mortgagee ( i.e. the lender ) to satisfy a loan that is in default and avoid foreclosure proceedings. Further, the deed in lieu of foreclosure offers several advantages to both the borrower and the lender. The principal advantage to the borrower is that it immediately releases him/her from most or all of the personal indebtedness associated with the defaulted loan. 

My question/issue : I contacted Bank Of America in XXXX XXXX for advice on how best to vacate the property at XXXX XXXX XXXX XXXX XXXX, Al XXXX that had been previously discharged in Bankruptcy in XX/XX/XXXX. I was advised to initiate a Deed in Lieu of Foreclosure. 

According to the description or definition of a Deed In Lieu stated above the Deed In Lieu process should not have been required because I was no longer responsible for the debt after the bankruptcy discharge on XX/XX/XXXX XXXX see attachments ) The guidance I received from BOA has caused a great deal of confusion thereby increasing the waiting time for me to become eligible for a new mortgage. My waiting time should be four years from the date of the Bankruptcy that occurred in XXXX XXXX which would have made me eligible as early XXXX ; however, having been advised to enter into the Deed In Lieu, the waiting period started with the transfer of title in XX/XX/XXXX. Therefore I will not be eligible until XX/XX/XXXX. 

Why did BOA allow this action to take place?

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 2018-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
I refinanced several of my federal student loans through another lender ( XXXX ). A payment to close out those loans was sent to the loan servicing company on XX/XX/XXXX, but was applied incorrectly across all my loans instead of paying off the specific ones noted on the paperwork. On XX/XX/XXXX, I called federal student loan servicing to ask for the allocation to be adjusted to match what was sent from the refinancing company. They submitted this and told me it would be resolved in 7-10 business days.

After the 10 bushiness days had passed, I called again on XX/XX/XXXX and was told that this was still in process, but would be escalated to a supervisor and resolved in 24-48 hours. As of today, XX/XX/XXXX, the loan allocation is still not resolved. I did call again on the XX/XX/XXXX, but was told that it was in process and would be  resolved soon. 

In the meantime, I've had to make another full loan payment, which is going towards loans that should no longer exist.

Company response to consumer: Closed with explanation