vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Wells Fargo thinks that they can deceive me because I am older. I have been trying to repair my house using insurance proceeds that they have been holding. They have reluctantly released 38 % of the funds. They sent an inspector by wed XXXX XXXX. I have a very clear report stating the project is 75 % complete signed by their inspector and my contractor. Wells Fargo is now saying that they will only release 61 % of the funds. Remember, to date they have only released 38 % and we are at the very least 70 % complete. I am tired of floating money to keep the project going. We were on the phone for XXXX hour and XXXX minutes today. We have almost XXXX hours of phone calls recorded as well as over XXXX pages that have been faxed ( they do not have email yet. Do you believe that? ). We feel like we should be contacting our attorney to recover unnecessary time spent and aggravation this has caused. I also expect interest paid to me commensurate with the interest that Wells Fargo has charged me during this process. The insurance company and the contractor have performed flawlessly and Wells Fargo has committed fraud at every turn.

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 2016-11-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX i would like to report that a company by the Name of XXXX has been over drafting my checking at my bank Wellsfargo. I do n't understand how they attain my information but it 's affecting my bank account with many over draft.I'ts no way to get it touch with their company and my ssi and social secruity at risk.That all the income i have and they ripping me off.And thank in advance for your support and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
subject..wells fargo..item XXXXthis occurred about XXXX months ago..originally in 2012 i opened a savings acct. that was valued at XXXX figures to be used for payments during our house renovation..when it was finished. i left approx $ XXXX in the acct.and transferred the balance left to investments accts ... the XXXX was for emergencies..several months later i noticed a slight change in the value of the act ... i opened it up and discovered wells fargo was deducting {$25.00} per month..the explanation was ..when i opened the savings acct. with XXXX figures it was considered a premium acct ... .when it dropped below XXXX it lost this status ... thus the $ XXXX. charge ... by the way..interest was .03 % ..they gave me what was deducted back ... but most important ... .they never told me of this possibility ... ... .How many do n't know this is happening to their accts. pls. pass this on to the XXXX committee that is taking wells fargo to " task '' item # XXXX ... .again wells fargo..i physically went to local branch to pay monthly mortgage ... ..teller made mistake of posting payment to my credit acct ... .i was dunned..2 weeks later for non payment ... ..then it was discovered that the posting was to the credit card acct ... ..bring this to the same senate committee ... .the error took a few seconds..by the teller making a mistake ... ... to resolve this problem when they found what happened ... took XXXX 1/2 weeks ... if it takes only few seconds to create an error ... ... .why ca n't it be fixed in a few seconds also? ... ..pass this on to the senate committee

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 2016-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo is ripping off their customers. My checking account was not over drawn and while there were pending charges, XXXX of the charges were duplicates and I had made an additional deposit on the XXXX making the checking account balance. I talked to their customer service people and they told me that their screen is not the same as my checking account, and that they create over drafts by putting in the pending charges/checks. However, the pendings charges/checks had XXXX venders that doubled their charges. XXXX has cleared and the other should drop off by monday. My available balance had over {$1000.00} in it. This bank is practicing theft by deception.

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 2016-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX SOLD MY MORTGAGE LOAN # XXXX TO THE BANK OF NEW YORK MELLON. I DO NOT KNOW WHEN THIS HAPPENED AND I WANT TO KNOW.I HAVE NEVER RECEIVED ANYTHING FROM EITHER BANK STATING THIS.YOU CAN NOT CALL THE BANK OF NEW YORK MELLON ONLY EMAIL. I WANT INFORMATION IN WRITING AND I WANT AN ANSWER

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 2015-09-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Since XXXX XXXX, 2015 we have been trying to get a Line of Credit or mortgage with Wells Fargo. Every week there was something that changed the loan. They first started with a line of credit and said no. Then we went for a mortgage and have asked for everything XXXX times. Then after we waited patiently and heard nothing for 2 weeks we called and they meet with us. The understanding was they were processing all the information and would get back to us. We waited again and called again had to be called back. Then we were told the loan would not be in both names just in XXXX XXXX and not in both XXXX and XXXX XXXX also we would have to pay off all credit cards and close all accounts. We did not like that all of our accounts had to be closed and both of our names were not on the loan. We contacted another lender and explained what had happened. He said to give him our information and he would let us know what he could do It took him 2 days and we had all the answers we are both on the loan and we are paying off some of our debt but do not have to close all accounts because that affects your credit, I notified Wells Fargo and let them know that we were not accepting the loan. 
We also asked them to reasssign our appraisal which we paid for a couple of weeks ago. YThey wold us they would not reassign our appraisal to XXXX XXXX XXXX so we may continue with our loan process. We paid {$450.00} which XXXX XXXX said was a little high for the appraisal. I would like my appraisal reassigned to XXXX XXXX Wells Fargo can do nothing with it so why wo n't they give it to us?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX. I have disputed and provided information about my bankruptcy been reported incorrectly 5 times. My bankruptcy was filed in XX/XX/XXXX, discharge in XX/XX/XXXX, and revoked in XX/XX/XXXX. I have called and send the required information to prove that my bankruptcy was revoked ; yet Equifax refuses to report it as revoked, but rather continues to report it as discharged. I called and spoke with the supervisors twice and they read the document provided were they clearly understood that it was revoked and they notify me that they do n't know how to fix it. This is completely unacceptable. At first they blamed it on the Court which I called and they were able to confirm the BK was revoked, in the State of Florida said information is public record and could easily be obtained. I have reach the end of the road, the information provided clearly states Revoked but Equifax refuses to report it as such and nobody in their office seems to know what to do. Their incompetence is costing me closing on a home. I called many times but only spoke with supervisors on XXXX occasions, they understand that the the document clearly states revoked but they do n't know how to deal with my case. My bankruptcy should read revoked, dismiss, or deleted from my file as said bankruptcy grant me no protection was it 's revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I filed a complaint with XXXX XXXX XXXX XXXX and their researched found there to be no loan of any type in my name with their company. I then sent all XXXX reporting agencies that information they still are reporting XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
A collection account ( XXXX ) was removed from my credit report after disputing it with Equifax. The account was deleted between XX/XX/XXXX and XX/XX/XXXX and then readded back to my report a week or 2 later. I called Equifax and they are refusing to remove the account. I re disputed the acct again by mail on XX/XX/XXXX along with another account ( XXXX ) and they again notified XXXX the accounts were removed off of my report but when I checked it is still showing. I was not given a 5 day notice telling me that a reinsertion was taking place which is required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my Equifax Credit Report and viewed a Credit Inquire I do n't recall authorizing. The inquire was conducted by XXXX XXXX XXXX on XXXX XXXX, 2016. I have had previous unauthorized inquiries conducted by XXXX XXXX removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Information reported by XXXX is contradictory. Transition credit report shows that this account was moved to collection with no history of being paid off. Then it shows the account was removed but it still is reflected as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The information on my credit file related to medical bills were a part of my bankruptcy and have just now shown up on my credit bureau report. These were all part of my XXXX and were included in bankruptcy that has been discharged. Should I contact my bankruptcy attorney to contact these debt collectors? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
I have contacted Portfolio Recovery Associates over ten times. I have informed them that this is a direct result of Identity Theft, and I have faxed them Police Reports and emailed them, and have since faxed them everything twice. I have sent them letters, disputed with the reporting agencies, and since they have re-aged the debt to make it appear new, and have changed the account numbers. I AM OUTRAGED AT THIS!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Notice of federal tax Lien is on my public record and it should have been remove since XXXX/XXXX/2014. All credit agency 's XXXX XXXX Equifax and XXXX still show it on my creditreport I want it off now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Professionals, Inc. (Macomb, IL)
State: IL

Complaint narrative:
I have asked Collection Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX submitted a hard inquiry to Equifax Credit Bureau on XXXX/XXXX/2015. I have no knowledge of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX Balance : {$890.00} XXXX Docket # : XXXX Plaintiff : XXXX Balance : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a state tax lien from Georgia that was paid and withdrawn in 2008 but Equifax and XXXX WILL NOT remove it from my credit file and it is showing as a derogatory public information. I have sent them court evidence from Georgia stating that the lien was withdrawn. It has impacted my financial security and stability for the past 3 years and I am of limited means and this is very frustrating. I am asking Equifax and XXXX to please remove this incorrect information from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I called XXXX XXXX to remove XXXX XXXX ( my landline ) from my XXXX XXXX package, which includes Internet and HDTV services. The phone representative not only tried to charge me re-activation fees totaling {$70.00} to de-activate and re-activate my existing account but also pulled my credit report during the call without my permission as reported by Equifax. It was clearly an unauthorized and improper credit report pull in violation of the Fair Credit Reporting Act. I tried to obtain a transcript of the call, but XXXX reports that the call was not recorded. I have filed complaints directly with XXXX and the FCC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
My name is XXXX XXXX I had a charged off XX/XX/XXXX.. from XXXX.. I only owe XXXX. I keep all my records and have found the original debt. The debt collector pressler & pressler, who bought this debt from another company : XXXX XXXX, garnished my check in XX/XX/XXXX for XXXX or more dollars & again in XX/XX/XXXX seized monies of XXXX out of my XXXX XXXX account.. Now I just received a letter from them getting ready to garnish my paycheck from my current job.. I need help.. I 've decided to call them today to speak to a lawyer and ask for a itemized detail bill of charges..

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 reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I am not sure this is the right place to do this but XXXX XXXX credit card reported a late payment for my credit card bill. it was not late. They have done this multiple times ( I actually quit using them for over a year due to issues with them ) but I gave them another shot and they XXXX again. I could not get onto their site to pay. I made contact with them and was told I would be contacted to pay the bill and no one ever called back. I kept calling and trying to logon unsuccessfully. When I finally got someone who would help me, it was past the due date. I explained the situation to them and they apologized and were supportive and removed the late fee but had already reported it on my credit score. It should n't be there. It is not a legitimate late payment because their site was down. They have notes on my file to back this claim. I want it off of my reports, all of them. It really hurt my score!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was recently denied credit based on information retained by Equifax Credit Information service. When I tried to inquire by phone at the given number XXXX, I got an automated attendent that after I told it " Denied '', it said I had to use a credit card to pay for my report/score. I tried to tell it otherwise, but it seems preset towards this option. The only other option given for communication if by mail to a XXXX. This all appears unfairly set up to discourage compliance with consumer requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
equifax refuses to remove student loan services ( XXXX, us department of education and XXXX ) from negitive accounts on my credit report. after numerious dispute attempts and supporive documentation provided that all of my student loans are in defferment. equifax has also refused to remove XXXX and XXXX XXXX from negitive accounts as requested and have placed all other accounts in closed accounts after providing chapter XXXX bankruptcy discharge documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax continues to report my child support payments. These payments are not a loan or revolving credit. I have never been late on these payments and i want them removed from my credit report. I 've asked Equifax to remove the payments from my credit report but all they do is tell me that the information is correct and they continue to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am trying to refinance my house and I have learned that credit score information provided to consumers is not the same information used by mortgage companies. One mortgage company told me that it is " the fact of life '' and difference is usually at least XXXX points. While it appears to be a small number it does impact the rates available. In my case, I checked my credit score through the credit card companies which indicated that I had score in excess of XXXX. When I applied for mortgage, I was told that my credit scores came back as XXXX, XXXX, XXXX. There is obviously different ways of calculating credit scores which are supplied to mortgage companies vs those provided to consumers. It is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For years my credit report has been merged with someone who has the same name as mine. I tried several years ago to clear up this issue ; I wrote to all three credit bureaus and sent in utility bills only to be told that my utility bills were too old. I have XXXX and the process was overwhelming. My credit report is merged with another person with my name, XXXX XXXX. She has the middle initial of XXXX and I have no middle name. I was born XX/XX/XXXX and she was born, I believe XX/XX/XXXX. I need this cleared up ASAP, as I am trying to save my house. I am trying to get a hardship/forbearance and I ca n't because there is a mortgage on my credit report that is not mine and is stopping me from getting the help need. The main item is a XXXX mortgage account number # XXXX. This mortgage is not mine. There is another account that my mortgage company needs gone, a XXXX XXXX account number # XXXX. This XXXX XXXX account is not mine.

Company response to consumer: Closed with explanation