vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-26 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX, 2015, I used the web services of all XXXX major credit reporting agencies as part of a major credit-relevant transaction. For all agencies, I requested the minimal cost ( {$1.00} ) credit report. For Experian and XXXX, without my knowledge, I was enrolled in credit monitoring services. This resulted in monthly charges to my account ( {$21.00} for Experian, {$17.00} for XXXX ), until I finally noticed these charges on my credit card statement this month ( XXXX ). I called each agency, cancelled my enrollment in their credit monitoring services, and requested full refunds. Each agency refunded only XXXX month 's worth of charges. 

I am generally a web savvy consumer. I find it very hard to believe that I was provided with reasonable notice or information that by requesting my {$1.00} credit report, I was also enrolling in a credit monitoring service. I strongly suspect that Experian and XXXX are using their critical roles in our credit reporting system to charge customers monthly without those customers ' affirmative consent or knowledge. Given the trust that we must place in these agencies, this is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently obtained my credit report and noticed several Hard Inquires to companies that I did not authorize. I initially reached out to XXXX and Experien to notify them of the unauthorized access to my personal credit report but was met with little to no assistance. Both CRA kept insisting that I claim that I was a victim of fraud in order to transfer me to the Fraud department. After several attempts, I succumbed to the pressure and had them put a fraud alert on my credit file, which still did not resolve my issue. 

I was advised that Hard inquires can not be disputed through the CRA but through the individual collectors themselves. I then contacted the creditors via phone and certified letter only to be told that they did not have any accounts open and my name, therefore could not provide me a written letter to send to the CRA for deletion. I 'm hoping by filing a complaint here, I would be able to rectify this situation and have those unauthorized inquires removed from my credit file.

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 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I asked for my yearly credit reports from Experian, XXXX online. I never received any of the reports. I did this in XXXX and around XXXX I checked with all to see if my annual reports of hard copies had been sent to me. The hard copy reports had not been sent, but XXXX XXXX, and XXXX stated they had been sent, but I never received them. Experian would not even let me check to see a status unless I bought a XXXX look to see if it was there. I have till this day not received any of them, and I have a dispute I want to check with XXXX, and they will not even let me see my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I contact Experian about some thing they got on my credit report that is not my.like XXXX.refuse to move it off

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This item shows as XXXX years old and should not be appearing on my credit report. For XXXX it does not ..., XXXX not appearing however for XXXX it is still there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX BANK IS REPORTING ACCOUNT XXXX AS CHARGE OFF I NEVER OPEN AN ACCOUNT WITH THEM. I CONTACTED THE CREDIT BERAU AND THEY WONT DELETE IT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is reporting incorrect information for XXXX accounts on my credit report. I have attempted to contact them directly on XXXX separate occasions and they refuse to correct it. They are incorrectly reporting the date of first delinquency for both accounts as XXXX XXXX. I have contacted the original creditor ( XXXX XXXX XXXX XXXX ) and verified that they date of first delinquency for both accounts is XXXX XXXX. I have also requested that XXXX, Experian and XXXX correct they information but they have not. The XXXX XXXX account numbers are XXXX ... and XXXX ... The Original creditor is XXXX XXXX XXXX XXXX and the account numbers are XXXX ... and XXXX ... As you can clearly say on my credit reports, XXXX XXXX is reporting the correct date of first delinquency but XXXX is not. At this point I want all the XXXX XXXX accounts removed from my credit reports.

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 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have an account with Credit Check total. I logged in a few days back and discovered within XXXX weeks a number of unauthorized inquiries processed with about XXXX weeks spend of each other. I am not activity seeking credit a this time SO I require a removal of all unauthorized inquires as this is not right! 

I have now enclosed two items with My address which I judge to fulfill your requirement for a complete investigation : 1 ) My State Drivers License 2 ) My full credit report from Experian Credit report showing my address

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 2015-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We purchased our home in XXXX. In XXXX my husband, who is the mortgage holder, became permanently XXXX. We began having difficulty making our mortgage payments and since then we have exhausted all of our funds i.e. IRA 's, Stocks etc. in order to make our mortgage payments but unfortunately the last mortgage payment we were able to make after exhausting all of our funds was in XXXX XXXX. Since then Wells Fargo has begun foreclosure proceedings. We have had our first foreclosure conference so far and the XXXX conference is scheduled for XXXX XXXX, XXXX. During the XXXX conference, the referee told us that we had to apply for a loan modification but in order to be approved we had to increase our income. I explained to her that I am seeking employment but that right now our only source of income is my husband 's social security XXXX income I also informed her that we can access my husband 's pension early if we choose to and that in XXXX XXXX, I can retire at age XXXX. The referee said that we should include in the modification request, proof of how much additional income we will be getting with my husband 's pension and with my social security, which we did. A Wells Fargo representative called today stating that our modification request was denied because a ) our investor does not participate in HAMP. When we first got our mortgage, it was a XXXX XXXX mortgage ( who does participate in HAMP ) but I was told that it has since been sold and the investor now is XXXX ( XXXX, who does not participate in HAMP, ) and B ) our income is too low. I asked how it was determined and I explained again about the pension and retirement income but he said that those amounts could not be taken into consideration because we are not yet receiving that income. I would also like to add that we do not have major credit card debit, we do not have an auto loan ( our car is 8 years old, ) and the only reason we are in this position is because my husband became ill. He is an end XXXX. He is XXXX. He is currently in a XXXX and will be coming home hopefully within the next month after having been in XXXX on and off for almost a year. We do not want to lose our home that we worked so hard for and we are respectfully asking if there are any other options for us. We have not yet received a formal denial letter for a loan modification. A Wells Fargo representative called me today by telephone to alert me of the denial.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
the credit card issuer navy federal fabricated the credit card credit amount which was maxed out based on revenge for filling prior complaints regarding fabricated credit by navy federal and their agents and associates in fact. 
navy federal futher failed to return fraudulent payments of XXXX to a va inspecter related to the home mortage at XXXX. 
navy federal failed to pay back fraudulently stolen money from I pay global of over XXXX dollars I filed a fraud complaint regarding navy federal fabricated prior credit denials for mortgage on XXXX XXXX XXXX. 
my home XXXX XXXX which was corrected after my initial ftc complaint. then let the mortgage run out claiming my name was un would not be accepted by them as grounds for no va loan but my name was registered at va as such when done. also their agents refused to give me pr proper answers to questions regarding an inspection by a home inspector. 
this droping of the mortgage application by fraud of nfcu is used by them to now claim my fault credit card dbt high is my fault when theirs for fixing credit and mortgage application denial and denying subswquent XXXX on bad creted nfcu manufactured with prior budys at credit bureaus and others. 
futher the fabricating of credit by nfcu is equal to or higher than what is claimed owed on fabricated credit card debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank reduced my available credit line from {$12000.00} to {$2900.00}. I have a perfect pay history on this ( and all ) accounts. This effectively created a maxed out tradeline, which hurts my credit scoring. I was given no advance warning. This was done because the card was on auto-pay and not utilzed. I am in the process of refinancing my home mortgage and a maxed out tradeline hurts my credit eligibility. 

This practice is inconsistent with consumers ' best interest and harmful to tradeline reporting. This should not be done if tradeline is in perfect standing. 

Wells Fargo refused to restore original credit line without pulling my credit again ( as a hard inquiry ). Pulling my credit as a hard inquiry further lowers my credit rating. 

Very harmful practice to consumers. This is a punitive practice targeting consumers who do n't use the Wells Fargo credit card as often as they would like.

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 2016-04-20 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo bank refused me credit card XXXX. 

I have credit line for over XXXX $ using only XXXX-XXXX % of revolving at any time with several other banks.I have perfect repayments record. I felt odd when the conversation happened where they asked me to send a copy of my 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 2015-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I recently had a reoccurring transaction put my bank account in the negative by {$4.00}. I was going to attempt to deposit cash in an ATM after work to rectify this. However, by the end of the evening, XXXX transactions from the two days prior had cleared and I was charged overdraft fees for both. Now I was at negative {$74.00}. My bank then cleared the rest of my transactions by the following morning, for a total of {$280.00} in fees. I called and explained that there was funds when those previous transactions went through but my bank claims I had been negative for several days. This would not have been the case if it were n't for their fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have a rental property valued at {$50000.00} more than what is worth, tried to keep afloat by renting at much lower amount than my mortgage. In the meantime, my husband and I have used just about all of our savings to pay for other necessary expenses such as : property management fees, homeowners insurance, homeowners association fees and other expenses related to the up-keeping of the property. Throughout the months I have contacted my bank ( Wells Fargo ) seeking some assistance as to it has gotten harder and harder to financially support the avoidance of foreclosure but to no avail all I heard was to do a short sale or foreclose and was told you do n't qualify for any of the programs because your loan was not from XXXX XXXX or XXXX. Now, after struggling to make payments on time I have been late 2 times and they are telling me that because I was late I am not eligible for the program ... .very deceiving, called 4 months ago and was told that did not qualify for any assistance even if I was up to date now, because we were late 2 times we do n't qualify because of it. Getting assistance from family has allowed us to make payments on time but is getting harder since the situation is not getting any resolution. Please assist us in finding ways to continue to pay for the property at a reasonable price and to be able to avoid foreclosure since it does not benefit any participating party. We want to do the right thing!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I am disputing the results of Wells Fargo 's investigation into my claims of Predatory Lending and Mortgage 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 2015-11-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I advised grand daughter that I may have a available balance on my debit card for a purchase. If not the purchase would be declined. She was able to make XXXX purchases and accrue up to XXXX in over draft fees. When I called Wells Fargo about the transactions I was informed, because you are a good customer we approved the transactions. I feel violated. IS THIS LEGAL?????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
To Whom It May Concern, I XXXX XXXX a XXXX veteran banked with Well Fargo up to 2 months ago. I withdrew because Well Fargo was taking my Educational Money from the VA Educational fund allotted to me for me to continue my education in College. The VA Education department has been sending me letters for the last 3 years that they have overpaid me when I have never been paid a dime. Now, the VA Educational department is threatening me by re-cooping my military XXXX checks to repay a debt I have never received any money for. I need your help in tracking this dilemma. 
Sincerely yours, XXXX XXXX Phone # 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 2015-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I keep receiving calls from Wells Fargo Home Finance indicating that someone named XXXX at my number needs to speak with them. There is no XXXX at my number and I 've had this number for 5 years. I 've received 17 calls in 7 days including weekends and I 've told them numerous times to stop calling me as I am not the person they are trying to reach.. This is ridiculous and they wo n't stop despite telling me they will stop stating " It takes time to remove me from their call list ''. XXXX it does n't. They pull up the record to my number and told me how many times they called me as soon as I tell them to stop calling me. This is carelss harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
In XXXX XXXX, I received a letter from NFCU stating my credit card interest rate was being changed from 6 % to 17.99 %.. I contacted NCFU to try and work something out to lower the rate. They referred me to personal finance management. asked me for all of my financial information. While working with the finance mgmt., I received numerous calls every day. XXXX to my cell phone and XXXX to my home phone. THey declined to do anything about the interest rate. THey told me have my daughter quit he guitar lessons, sell my car, get a second job and put my kids to work. They then called me and said I was approved for a lower rate program if we scheduled a one time payment of {$230.00} and thereafter XXXX per month for 5 years to get the card paid off. We scheduled this payment for XXXX/XXXX/XXXX. I then received a call on XX/XX/XXXX that I was not in the program there is nothing they can do " and that I have plenty of money ''. They calculated our finances and we came out negative {$130.00} every month - to then say " You have plenty of money '' is not right and I am upset. I requested to speak with a manager and have not received a return call. I left a voicemail and e-mail. I have been harassed over this card, while trying to work something out to get it paid.off. I am frustrated. Please help.

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 2015-08-06 00:00:00
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
back in 1985 my father win the XXXX lotto for XXXX XXXX XXXX XXXX XXXX u.s dollars he was getting us XXXX a year XXXX taken out income tax plus all is money was going direct deposit electronically deposited to wells fargo bank when my father die my lawyer rite the bank to fine out how much money he had in the bank rite back to us .dollar fixed deposit of {$490000.00} us dollar savings of us XXXX XXXX regular savings {$XXXX} XXXX tt dollars and a XXXX XXXX of {$19000.00} tt dollars when we when to the bank to get the money they said that the XXXX us account is not there that they made a mistake that is not true. The banks are stealing us government dollar and people are suffering my sister have XXXX and this money will help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Hi, There is a foreclosure sale date set on my property for XXXX/XXXX/15. I have tried to request postponement and the lender has denied the request. I just received an offer on the property XXXX/XXXX/15. I have sent a copy into the lenders. I know this is very short notice but I 'm asking for you to help me with postponing the foreclosure if possible. My XXXX failed and I 've had to relocate to find other work to make a living. I feel that a short sale is the best option for everyone at this time and will appreciate anything you can do to help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation