vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I would like to file a formal complaint against Wells Fargo concerning my home mortgage loan. In XX/XX/XXXX I acquired a home mortgage loan for XXXX. at a rate of 8.875 % for 180 months fixed rate loan, not a balloon payment. One of the conditions of the loan was that it be set up on an auto pay for the amount of {$430.00} which I signed a form to approve the set up with my bank. I have always made sure the money was in the account to cover the date of the auto pay. Every month I received a statement from Wells Fargo reflecting the amount of {$430.00} owed and paid. In the earlier years of the loan there was no interest rate listed or maturity date. Later on in years around XX/XX/XXXX I noticed there was a maturity date as well as an interest rate. I started adding payments left on loan to find out that this simple fixed rate loan was not XXXX  out. I contacted Wells Fargo to tell them about this and my concern, and in the end, they sent me an offer to re-finance the balance. That was not agreeable to me. I was counting on putting this debt behind me paid in full per our auto drawn agreement. Most recently I have again reached out to Wells Fargo and I still have no resolution. Wells Fargo has on my statement a balance of over {$20000.00}. They can't explain what's wrong or what they are going to do. Since I have reached out to Wells Fargo concerning this matter, I have received a statement with an amount different from all the previous statements ( {$500.00} ). I have accepted each statement as a contractual agreement on what was to be paid each month. I have one more payment due XX/XX/XXXX. I am not prepared to pay any more than I have agreed to per our auto pay agreement. This is a financial hardship on me and my family. I'm Hoping you can help resolve this as I don't know where else to turn. I've seen many things about Wells Fargo being deceptive in their business practices and I'm afraid for myself and my family of becoming victims. 
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 2018-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
Hello,. In XX/XX/XXXX, I purchased my home at XXXX XXXX XXXX XXXX XXXX, VA XXXX. My mortgage became serviced with PennyMac. In XX/XX/XXXX, my husband and I began to run into financial difficulties. I applied for a loan modification in fall XX/XX/XXXX, I was approved. My paperwork and first payment for the trial payment plan for the loan modification was due by the end of XX/XX/XXXX. I sent in the agreement, and the first payment before the end of XX/XX/XXXX. In XX/XX/XXXX, I receive a letter stating that they never received my documents so the trial payment plan was cancelled. I did not make my payment in XX/XX/XXXX as I was trying to communicate with them to figure out what to do. Towards the end of XX/XX/XXXX, beginning of XX/XX/XXXX, my husband called the company to discuss that we did send everything in, and needed the trial payment plan reinstated for their mistake of losing our documentation. They refused, and continued to state that they never received it. In XX/XX/XXXX, we received documentation that our house would be in the foreclosure process. I even sent in documentation for the fax confirmation. They continued to refuse. I finally filed a complaint with the CEO, with the federal consumer protection, and with the XXXX XXXX XXXX. It was then that they called saying oh we will fix it. They refused to reinstate the old one, however, and made us put in a new application. We put in the new application and they did not approve it. We then got notice that our house was due to be auctioned in late XX/XX/XXXX. I filed new complaints with the XXXX XXXX XXXX and federal consumer protection, they then allowed me to send in another application for a trial modification, and postponed the auction. All this time, however, they have still refused to admit their mistake of losing our original documentation and have refused to reinstate our modification that was messed up due to their mistake. The new application was also denied. They said we could put in another application, but honestly, due to their mistake, I am so peeved and wish they would just own up to it and reinstate. I am at my last resort. My house is due to be foreclosed on XX/XX/XXXX. I am so close to filing a lawsuit, but figured I would reach out to you all first

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion/ XXXX  Wrong address on file I only live for the past three years at my current address only XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  FL XXXX I never lived any were else My name is XXXX XXXX Only and its spell wrong and other names which I only go by my legal name only XXXX 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 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX - XXXX Division and XXXX  XXXX XXXX XXXX XXXX dba XXXX   XXXX XXXX XXXX are in violation of Tex. Fin. Code 392.402.404, Sec. 392.101. BOND  REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.

( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.

( c ) The bond must be in the amount of {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
We have tried a number of times to come to some type of solution to save our home from foreclosure. When they initiated the foreclosure were were only {$10000.00}. in arrears.

We tried to make payment arrangements. We tried top do a forbearance. We tried everything we could to avoid foreclosure. We had an attorney who to our knowledge was familiar with the foreclosure process but did not represent us in the manner in which we wanted. Leaving us in a very bad situation. We have overcome our hardships and we have money saved to workout a solution to save our home. Please help us save our home from foreclosure. We have XXXX  ( XXXX ) small children under the age of XXXX. We need our home for our children. We are both working and do have savings to pay ourm mortgage.

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: DISCOVER BANK
State: NY

Complaint narrative:
never applied with this company. they say they have an application from me but this has to be fraud because i never put one in.

Discover Bank Inquiry from XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My employer is having troubles with my background check, so i went looking online for an XXXX, then a malware took me to this site that i can check my credit report for free. so i can verify if my information are really wrong before calling or going to a government offices. while browsing to this site, giving my info even my bank details and ssn. an email from my bank. a transaction was made {$20.00} from that site. and i havent get any info about my credit. i did not know what did i purchased. when im about to cancel my subscription it has no options. i called the hotline they ask me again bout my personal infos. then they will cancel it for the next 2 days. but im worried about my infos. and i read alot in forums that they continue to charge on their account even they cancel their subscription. this happened just now XX/XX/2018 at XXXX the site is TransUnion. another site is XXXX. .. all of them are same scammers! i erased my browsers data trying to erase my info with them but its too late.

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 2018-10-17 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: FL

Complaint narrative:
XXXX Equifax Wrong address on file I only live for the past three years at my current address only XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  FL XXXX I never lived any were else My name is XXXX XXXX Only and its spell wrong and other names which I only go by my legal name only XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX/ XXXX  Wrong address on file I only live for the past three years at my current address only XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  FL XXXX I never lived any were else My name is XXXX XXXX Only and its spell wrong and other names which I only go by my legal name only XXXX 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 2018-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The following account was opened in my name without my consent. Therefore, I am disputing the validity of this debt and requesting for the creditor to remove this fraudulent account immediately from my XXXX  credit report. Thanks. 

American Express

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: GA

Complaint narrative:
I am requesting that XXXX delete and remove this fraudulent account immediately from my Equifax credit report. Someone opened this account in my name without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: STATE FARM BANK, FSB
State: GA

Complaint narrative:
I am requesting that State Farm Bank remove and delete this fraudulent account because used my personal information to open this account without my permission. My rights have been violated by State Farm Bank. Please remove this fraudulent account immediately from my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/XXXX at XXXX EST I applied for a Care Credit account in the amount of XXXX to finance a XXXX  XXXX. The providing bank, Synchrony, proceeds to auto approve me for {$1000.00} credit card and tells me I cant close my account for 3 days, and Ill have to call back, even though the amount is no where near the request I made. No where in the Terms & Conditions does it mention auto approval for an amount I didnt actually request. What a way keep us racking up debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: GA

Complaint narrative:
I am requesting that XXXX XXXX XXXX remove and delete this fraudulent account because used my personal information to open this account without my permission. My rights have been violated by XXXX XXXX XXXX. Please remove this fraudulent account immediately from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX needs to delete and remove this fraudulent account from my Equifax credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
ONLINE INFORMATION Services Account # XXXX needs to be deleted and removed immediately because it is fraudulent and someone used my name without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
SYNCB/XXXX XXXX Account # : XXXX was opened in name without my consent. Therefore, this fraudulent account needs to be deleted and removed immediately from my XXXX credit report.

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 2018-10-17 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: GA

Complaint narrative:
I am requesting for my dispute to be forwarded to XXXX Consumer Affairs Office because these fraudulent accounts are not being handled properly nor correctly. 

The following fraudulent accounts need to be deleted immediately from my Equifax credit report : 1. XXXX Account # : XXXX 2. XXXX XXXX XXXX   XXXX Account : XXXX 3. XXXX XXXX XXXX  Account : XXXX 4. XXXX XXXX XXXX  Account # : XXXX 5. XXXX XXXX Account : XXXX 6. XXXX XXXX Account # : XXXX 7. XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: GA

Complaint narrative:
XXXX XXXX Account # : XXXX was opened in name without my consent. Therefore, this fraudulent account needs to be deleted and removed immediately from my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18 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 — Was not notified of investigation status or results
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I filed for a lease extension at the termination of my lease through XXXX XXXX and they never told me that this was a new application. I had no idea that my auto payment was not going to continue to make the monthly payments. In 36 months I was never late a day. I was traveling and the only number that they had on file was my mother 's, she has been busy caring for my father in the hospital. She doesn't open mail in my name so she missed the letter that they sent me. Because I was completely uninformed that this was a new application, and there was no continuation of the previous auto payment my credit score has been severely impacted, so my new lease is greatly suffering.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo has failed to supply the requested information I have asked for in regards to an FHA backed loan that is in my name. In XXXX, I notified XXXX ( the case manager at that time ) via the phone, that I wanted a copy of all paperwork regarding the short sale pending on property XXXX XXXX XXXX XXXX, Ohio XXXX. I also informed XXXX that the federal document, XXXX, regarding the short sale clearly states in line one of paragraph 2 that the realtor listing the property is to be unrelated to you ; the listing agent XXXX XXXX is XXXX XXXX 's biological aunt. Lastly, I informed Wells Fargo by message of this information on XX/XX/2018. I also informed Wells Fargo that a third party is living in the home and may presumably be paying XXXX rent while the mortgages payments are still not being made. It clearly feels that Wells Fargo is ignoring the facts that have been provided and thereby ignoring the federal requirements of this transaction. Further, they have been advised that monetary gain may be being received by XXXX for a federally backed loan that is not being paid. 
Wells Fargo responded to my written inquiry, via their internal message center, on XX/XX/XXXX stating XXXX XXXX was assigned as my point of contact until the issue was fully resolved ; I have never heard from him. Next Wells Fargo sent a letter to me from XXXX XXXX, dated XX/XX/XXXX, stating that my inquiry was important to them and they would respond by XX/XX/XXXX. In another letter dated XX/XX/XXXX, by XXXX XXXX, Wells Fargo stated that my concern was important to them and they would respond by XX/XX/XXXX. In a letter dated XX/XX/XXXX, by XXXX XXXX, Wells Fargo again stated my concerns were important to them and they would respond by XX/XX/XXXX. It is now XX/XX/XXXX, almost two months after I initiated my complaint and they refuse to provide copies of all documents related to this short sale or address my concern about their disregard of federal form rules. These are not federally protected documents, and would be accessible under the Freedom of Information Act even if  so.

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 2018-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ASG Solutions LLC
State: OH

Complaint narrative:
I am filing a complaint about a debt that was paid with a collections company under a settlement agreement, This account was settled in Full for {$430.00}. I have the letter that was sent from ASG Solutions LLC. I believe my file was mismanaged and the fund were applied to another XXXX XXXX XXXX XXXX {$740.00}. I recently pulled my credit report from all three credit bureaus, XXXX, XXXX  and XXXX   and to my amazement, saw that ASG Solutions LLC have never updated the account. I immediately disputed this by phone, as I had not even received a statement from you. All these bureaus verified the update. I tried numerous times to get my statements from you, but never received them. Finally, I was able to get someone on the phone and paid the balance. You assured me everything was fine and reported properly. What happened? I settled this account! I have my cell phone statements to verify my numerous requests for my statements.

Company response to consumer: Closed with explanation