vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-08 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: AZ

Complaint narrative:
I notified XXXX XXXX XXXX that I was leaving for a XXXX XXXXXXXX. I set up auto bill pay with them before leaving, as I knew I wouldnt have internet most places. After arranging bill pay, I learned during a brief period of internet availability that they hadnt pulled the payments in 3 months, and had been reporting me to the credit bureaus. I paid the past due balance, notified them I was XXXX, and told them to pull all future payments automatically for the duration of the XXXX. I came back from another remote area of the country on XXXX and saw that it had gone past due again. The missed payments were XXXX, XXXX, and XX/XX/2017, then again XXXX of the same year. The missed payments have caused my credit score to take a more than 100 point hit. I have since paid off the account, but after disputing the circumstances with TransUnion, the missed payments remain on my 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 explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GREAT LAKES
State: FL

Complaint narrative:
Based on the option I selected for this complaint, the 'error ' is that XXXX XXXX   XXXX XXXX XXXX ( and the 3 major bureaus ) continue to report an unverified, invalidated account without having provided original documented proof for MONTHS. I have repeatedly disputed the student loan account with XXXX XXXX XXXX XXXX and they continue to come back via the bureaus stating that the accounts ' info is all accurate, valid, verified, and mine -- all without providing a shred of proof to back this all up. Since XX/XX/2018, I have constantly asked for the original instrument of indebtedness in its original form bearing my actual, wet signature. It has been about 7 months and I still have not received this original documented proof that the account is 'mine ' and 'verified '. XXXX, in particular, has even had the audacity to tell me over the phone that they do not have to provide proof to the consumer on accounts. It is EXTREMELY DANGEROUS to my identity as a consumer for me to not know or receive original proof of a contractual agreement with a company. This opens the door to all sorts of problems. If I do not get proof from the bureaus or the original creditors, then where in the world am I supposed to get this information? As a consumer, do we not have a right to see the proof behind these so-called " valid '', " verified '', " accurate '' accounts? I am outraged that I have not received this proof from XXXX XXXX XXXX XXXX or the 3 major bureaus in months. I have been monitoring my credit and making sure all accounts are validated in order to remain on my reports. I am trying to do my due diligence, but these companies are deliberately hindering this process by not giving me due process. Moreover, they are violating the FCRA & FDCPA. I demand that XXXX XXXX XXXX XXXX   provide the original instrument of indebtedness in its original form bearing my actual, wet signature for the disputed account. If they do not have this, then I in turn demand that they DELETE the truly unverified, invalidated, inaccurate account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed in buying a car that was stolen.. was making false payments and was asked to use cashiers check. 

Wells Fargo is still displaying foul practice even after being loyal for 10 years.. discrimination and robbers.. theyre own employees do wire fraud

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 2018-09-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have been trying for months now to obtain a copy of the original contract between XXXX XXXX XXXX XXXX and their client XXXX XXXX prior to my wage garnishment. XXXX only provided a copy of a statement dated XX/XX/2018 from XXXX XXXX, which is not the contract. XXXX has be bouncing around this request for months now, and I demand the request 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 2018-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Bank of America won't loan me any money, even though I am a customer and have my SSDI check deposited directly into my Bank of America account, they won't loan me any money because I participate in The Social Security Disability Program. This also violates my rights under ADA. I need a vehicle and have the funds in a payment strategy but they still discriminate against me. This puts a heavy strain on my legs. When I go for a car they put extra demands on me that they don't do to others. The vehicle has to be brand new and a certain model. Bank of America is being discriminatory and harmful towards a handicapped man and won't even loan money to a customer that deposits money in their Bank which they make money on in interest but because they say I'm poor they won't loan money to me! This is unfair and not right. 

- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New Mexico 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 2018-09-08 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: NJ

Complaint narrative:
I purchase a XXXX XXXX from XXXX back in XXXX! I had the car for over 12 months, i decided to refinance the vehicle with XXXX on XX/XX/XXXX so i can get a 4 door, at the time i had a 2 door .... 
I sat down with a XXXX rep to refinance the vehicle .... I SPECIFICALLY TOLD THE XXXX REP, I ONLY WANT TO USE XXXX XXXX TO REFINANCE THE VEHICLE, because at the time i had XXXX XXXX ... 
He stated ok, so we proceeded to finish the paper work.. I get home to find out that i have 6 inquiries on my transunion report, so i returned back to XXXX to fix the problem. 
They apologize to me & wrote a letter stating that it was their fault ... 
I then mail the letter to transunion on behalf of XXXX, transunion said its nothing they can do.. They inform me i would have to write a letter to the companies that had the hard inquiries listed on my credit report.. 
So emailed the certified apology letter that XXXX gave me, i received nothing ... I need help getting unauthorize inquiries of my 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 explanation
Consumer complaint received 2018-09-08 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: NV

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX   XXXX XXXX XXXX has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: NV

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX   XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: NV

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have now tried several times to deposit checks from a checking account which has already been saved ( though not yet used ) from another account in my Bank of America account. They said that the account is verified ( evidenced through my Pay From Account page on Mobile Banking ), and yet the remove each and every check that I have tried to deposit. These checks have already been saved. I have written express and demanding letters to Bank of America financial centers in XXXX, OH, in XXXX, FL, and in XXXX, DE. I have not yet received adequate compensation and it is now well over a month, and Bank of America is in significant arrears to me. Their customer service is frustrating me to an endless degree.

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 2018-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo is denying us a loan modification, they will only agree to a short sale. My husband and I will be filling paperwork with the Attorney General office to attempt to avoid foreclosure. Prior to our mortgage ballooning 17 months ago we were never behind in our mortgage for 10 years. WF continues to deny us being that our income doesnt meet the qualifications for new mortgage. Our income is more now than it was when we purchased our home. We know now that after 10 years we were sold a home that we did not qualify for in the beginning. Why should we now suffer due to being scammed? Please help us with this situation.

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 2018-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: CA

Complaint narrative:
AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, SC XXXX I have received two collections from this company same same balance owed, unfamiliar with it and trying to work it out but the derogatory mark is having a major impact on my credit score. A mistake has been made on my credit report I believe the company has put in this account twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I had a 2012 XXXX XXXX financed by XXXX XXXX the car was total out, my insurance company paid which I thought they were responsible for paying the car off. I was total there was a charge off amount of XXXX owe on the car. I car XXXX XXXX and when into a payment plan to pay off the XXXX which I paid the amount off. The problem is if XXXX XXXX accept the payments for the charge off. Why on all my credit reports the charge off amount of XXXX still shows when they accepted the payments. So the debt would be paid if full which it was. I understand the late payments showing but if the company agrees the accept payments to fulfilled a debt how can it be a charge off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In XX/XX/XXXX I was trying to purchase a home and found out that a Mortgage and HELOC account I had with Chase Bank was being reported as discharged in Bankruptcy that was finalized in XX/XX/XXXX. 

However, we had reaffirmed the Debt in our Bankruptcy, continued making payments on the Mortgage and HELOC and sold the home in XX/XX/XXXX, so it could not possibly have been discharged almost 2 years before it was sold by us! 


In spite of this I have tried to get Chase bank to correct and they have refused. I have filed a complain with all three credit agencies and they each said that they conferred with the bank and the bank confirmed that what they are reporting is accurate. I attached all of our payment history for the mortgage and HELOC which shows the payments being made through XX/XX/XXXX, but this was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP

Complaint narrative:
I was in the market to refinance my mortgage. I authorized XXXX XXXX to pull a hard inquiry on my credit on XX/XX/XXXX. I have learned upon reviewing the credit reporting agencies reporting that several creditors that I have no accounts with have entered numerous inquiries to my credit report around that time without my authorization. I made it clear that I was shopping rates and that I absolutely did not want me credit to be run multiple times if a potential creditor could not beat the offer I was given by XXXX XXXX. The amount of inquiries for speaking to only 3 lenders and only aggreing to allow my credit report to be pulled by only XXXX XXXX to my understanding is alarming. 

The creditors that have non account holding inquiries are the following. 

1 ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXX ( ( TWICE ) XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 3 ) XXXX XXXX XXXX ( 4 TIMES ) XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2018-09-08 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: EQUIFAX, INC.
State: AP

Complaint narrative:
I was in the market to refinance my mortgage. I authorized XXXX XXXX to pull a hard inquiry on my credit on XX/XX/XXXX. I have learned upon reviewing the credit reporting agencies reporting that several creditors that I have no accounts with have entered numerous inquiries to my credit report around that time without my authorization. I made it clear that I was shopping rates and that I absolutely did not want me credit to be run multiple times if a potential creditor could not beat the offer I was given by XXXX XXXX. The amount of inquiries for speaking to only 3 lenders and only aggreing to allow my credit report to be pulled by only XXXX XXXX to my understanding is alarming. 

The creditors that have non account holding inquiries are the following. 

1 ) XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXX ( ( TWICE ) XX/XX/XXXX& XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 3 ) XXXX XXXX XXXX ( 4 TIMES ) XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: Experian Information Solutions Inc.
State: AP

Complaint narrative:
I was in the market to refinance my mortgage. I authorized XXXX XXXX to pull a hard inquiry on my credit on XX/XX/XXXX. I have learned upon reviewing the credit reporting agencies reporting that several creditors that I have no accounts with have entered numerous inquiries to my credit report around that time without my authorization. I made it clear that I was shopping rates and that I absolutely did not want me credit to be run multiple times if a potential creditor could not beat the offer I was given by XXXX XXXX. The amount of inquiries for speaking to only 3 lenders and only aggreing to allow my credit report to be pulled by only XXXX XXXX to my understanding is alarming. 

The creditors that have non account holding inquiries are the following. 

1 ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXX/XXXX ( ( TWICE ) XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 3 ) XXXX XXXX XXXX ( 4 TIMES ) XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2018-09-08 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The Account for Child support was placed in collections in the year XX/XX/XXXX, I have filed multiple disputes and sent letters to Experian and the accounts continued to reage, Now it's showing on the reports as closed but negative with late payments, Therefore this account should have been removed no later than XX/XX/XXXX but is still being reported.

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 2018-09-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I had to chose something for " What describes your problem '', to move forward.That is not my problem.Select portfolio is at it again. Yesterday I was contacted by one of their debt collectors looking for payment. I advised the person that I had submitted ALL the documentation needed ( required ) to " ask for some help '' ( deferment ). I was laid off XX/XX/XXXX. This debt collector was unprepared for this ( they just called to collect ). After 5 minutes I got very irate as the person started saying things that weren't correct. I faxed everything I was told as needed for help on the XX/XX/XXXX. My bank statements, the acceptance letter, a quit claim deed ( showing my wife transferred ownership to me ), proof of residency and the 4506 t. First I was told SPS had received only 2 documents? It goes downhill from there. The debt collector did find all the documents but that's not my complaint. The person ; after making many miss statements, told me that my last correspondence with SPS was on XX/XX/XXXX. The person I spoke to on XX/XX/XXXX asked me if I " wanted to discuss the documents needed '' and I said NO. Not true. This debt collector then recanted and said I was told by so and so what documents to send. The debt collector confirmed the documents were received the next day. Now I'm told I need to resend additional documents ; " one not mentioned to me in the past '' ( copy of my XX/XX/XXXX tax extension ). I alerted this person that in a past phone call I alerted SPS I had filed an extension. I was told by a prior debt collector, '' no problem just send the XX/XX/XXXX''. Why does the XX/XX/XXXX and XX/XX/XXXX returns even matter? I'm asking for help because of unemployment now. Prior tax information is not relevant At the end it got funny. This debt collector said Oh well I called you because you wanted help. I said NO you called me to collect payment. Enough said? The same XXXX still goes on. I provided overwhelming proof of my current situation but SPS is intent on hassling people. Ironically the day before I received a letter from SPS as why they couldn't move forward. I needed additional documents. Nothing about needing the XX/XX/XXXX extension.You would think from XX/XX/XXXX until yesterday XX/XX/XXXX : ONE someone could have called me and TWO the process would still " would have been held up '' as the letter I received did not ask for the XX/XX/XXXX tax extension info...

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