vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-02 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: IL

Complaint narrative:
I contacted Trans Union. I told them they have erroneous information on my credit report. I said my balance should be no more than {$150.00} on my XXXX XXXX XXXX account ending in XXXX regarding XXXX XXXX, XXXX. Here is the information I told Trans Union that I gave XXXX XXXX. 
I received a letter from XXXX XXXX about a XXXX XXXX account opened by XXXX XXXX, a XXXX, where he overcharged me for services I did not receive. I talked to XXXX, a Manager, at XXXX XXXX  on XX/XX/XXXX that I did not receive the XXXX XXXX treatment XXXX XXXX is showing on the ledger. In addition, XXXX XXXX said I would be pay for one treatment and get the next one free. I had asked XXXX XXXX for a copy of the billing for each of my six visits and to show what he is billing XXXX. He never sent me the information I requested. I stopped going there because I feel this is fraudulent activity perpetrated against me, a senior. I went over the amount I was disputing with XXXX from XXXX XXXX which is {$1200.00} which leaves me with a balance of approximately {$150.00}. I paid XXXX about {$60.00} on this account this month. XXXX never went over the information in the letter they sent to me prior to sending it. I could have told them at that point what I was still disputing. They should communicate properly with their customers, especially seniors, when they are being taken advantage of. XXXX has all this negative information reflected on my credit reports. I need this resolved right away.

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 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, XXXX, and XXXX credit bureau are reporting that I have a collection account with XXXX XXXX in the amount of XXXX dollars for services rendered for a medical procedure. They are reporting a date of XX/XX/2018 as the date of being delinquent, when in fact this collection is over 6 years old. The debt has been recently sold to a new debt collection company and The collection has be re aged which is illegal and has caused my credit score to drop significantly. I opened a dispute with Experian and the results stated " Updated '' but the dates were not updated and nothing was changed on my credit report to reflect the correct delinquent dates. This collection is showing on my credit report as a new collection and only reflects that it has been 1 month since the collection was opened instead of a collection that is over 6 years old. Please correct and advise.

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 2018-08-02 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:
Experian continues to report address that do not belong to me or that I have never lived at. They continue to report my Name incorrectly. My name was changed by sealed court order to prevent XXXX XXXX. They are enabling this by contuing to report incorrect information. I have told them this. I have told them about the identity theft. I've faxed the police reports and FTC reports to no avail. 

My name should be listed as XXXX XXXX and only XXXX XXXX. 

My address should appear as XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX and Only XXXX 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 2018-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We have a XXXX loan ( purchase and renovation loan ). The process with Wells Fargo was terrible. Our appraisal came back low and even though we sent them houses on our same block that were valued for more they did not force the appraisal company to revisit the final report. Because our neighborhood is improvised they even discounted the value of our home even more. This was not fair since homes were selling for more in the same neighborhood. We felt discriminated against since we live in a low socioeconomic area. WF changed reps many time during the process so there were time lags as well. We had to write numerous letters on the same topic. One rep would promise one thing then they would leave and we would have another rep. We quickly responded to every request but to keep pressing for a close date then we were told the interest rate had to be increased since so much time had gone by. We felt we had to accept so we could close. We finally closed in XXXX after starting the process the prior XXXX. We now need an extension of this loan because it took us longer than expected to get permits from the City of XXXX. Even though this was not all our fault ( see letter attached ), WF will not extend our loan or roll it into another loan. We are in midconstruction and cant get another loan in TX until 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 2018-08-02 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: IL

Complaint narrative:
I contacted XXXX XXXX. I told them they have erroneous information on my credit report. I said my balance should be no more than {$150.00} on my XXXX XXXX XXXX account ending in XXXX regarding XXXX XXXX, XXXX. Here is the information I told XXXX XXXX that I gave XXXX XXXX. 
I received a letter from XXXX XXXX about a XXXX XXXX account opened by XXXX XXXX, a XXXX, where he overcharged me for services I did not receive. I talked to XXXX, a Manager, at XXXX XXXX on XX/XX/XXXX that I did not receive the XXXX  XXXX treatment XXXX XXXX is showing on the ledger. In addition, XXXX XXXX said I would be pay for one treatment and get the next one free. I had asked XXXX XXXX for a copy of the billing for each of my six visits and to show what he is billing Medicare. He never sent me the information I requested. I stopped going there because I feel this is fraudulent activity perpetrated against me, a senior. I went over the amount I was disputing with XXXX from XXXX XXXX which is {$1200.00} which leaves me with a balance of approximately {$150.00}. I paid XXXX about {$60.00} on this account this month. XXXX never went over the information in the letter they sent to me prior to sending it. I could have told them at that point what I was still disputing. They should communicate properly with their customers, especially seniors, when they are being taken advantage of. XXXX has all this negative information reflected on my credit reports. I need this resolved right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted XXXX XXXX. I told them they have erroneous information on my credit report. I said my balance should be no more than {$150.00} on my XXXX XXXX XXXX account ending in XXXX regarding XXXX XXXX, XXXX. Here is the information I told XXXX XXXX that I gave XXXX XXXX. 
I received a letter from XXXX XXXX about a XXXX XXXX account opened by XXXX XXXX, a XXXX, where he overcharged me for services I did not receive. I talked to XXXX, a Manager, at XXXX XXXX on XX/XX/XXXX that I did not receive the XXXX XXXX  treatment XXXX XXXX is showing on the ledger. In addition, XXXX XXXX said I would be pay for one treatment and get the next one free. I had asked XXXX XXXX for a copy of the billing for each of my six visits and to show what he is billing Medicare. He never sent me the information I requested. I stopped going there because I feel this is fraudulent activity perpetrated against me, a senior. I went over the amount I was disputing with XXXX from XXXX XXXX which is {$1200.00} which leaves me with a balance of approximately {$150.00}. I paid XXXX about {$60.00} on this account this month. XXXX never went over the information in the letter they sent to me prior to sending it. I could have told them at that point what I was still disputing. They should communicate properly with their customers, especially seniors, when they are being taken advantage of. XXXX has all this negative information reflected on my credit reports. I need this resolved right away.

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 2018-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I've had to put my home on short sale 3 years ago because XXXX keeps denying that they did something wrong. I see that they are settling law suits for bogus and inflated loans. I provided all of the psperworks where my income was inflated inorder to refinance. They told me that at that time, there wad no imcome check and why did I had to provide my income with copied of XXXX and pay stub. I need to knoe who or where I can go to to have them review They have closed my case and I feel that they were XXXX XXXX me. My husband XXXX passed away and my child and I was literally out of a home. My address was XXXX XXXX XXXX, XXXX Florida XXXX. My # is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
We bought a new car on XX/XX/18. We are co-owners. The dealership submitted numerous applications to secure the loan. We were ultimately approved for the loan by a credit union for an interest rate of 3.99 %. XXXX  was one of the lenders that denied the loan. My complaint is that we did not receive our credit denial letters from XXXX  until today, XX/XX/18. We received one letter for each of us. The letters are dated XX/XX/18. The Fair Credit Act states that creditors only have 30 days to send denial of credit letters. It even states on the bottom of our letters that our credit was pulled from XXXX  on XX/XX/18. XXXX is obviously considerably over the time that the law allows.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ask them to send payment quote and they say {$60000.00} was due on home. This look like a balloon payment that we don't know where it came from. We missed 6 payment so the Government paid this amount {$24000.00}. Don't know why it is so high. I don't know where the {$34000.00} came from. We have been in this house since XX/XX/XXXX and only missed those payment when unemployed. We don't know what to do about this, I t is due XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
Began calling on XX/XX/XXXX, called me 3x and left messages not informing me of what they wanted, but demanding I call immediately ( messages are saved ), called my father and lied about who they were on XX/XX/XXXX as well as claiming I gave them permission to contact him and called me still not leaving info on who they were the same day. 
I called and left a message on XX/XX/XXXX telling the callers not to contact my family and to stop claiming they had permission from me as they explicitly did not have permission to contact anyone other than myself and after a brief time I spoke to XXXX that same day who was rude and threatened to sue me, garnish my wages and said they had already damaged my credit by filing twice on my credit. She initially would not tell me who she was or what it was for until I confronted her when she admitted it was for a 3yr old debt to a school I went to. She claimed I owed over {$200.00} and I said I would contact the school and handle it directly with them. This call should be recorded as she claimed it was. 
I spoke directly to the school they claimed they were collecting from and was told I had no debt, after pushing for more information from XXXX I was informed I did have some books I owed money on and that the debt may have been sold. I requested to handle it directly with them since the company was claiming I owed more than what the school was and due to the harassment. The school said they would contact me via email or phone to confirm I could pay them directly. 
Contacted my sister and lied about who they were as well as also telling her I gave them permission on XX/XX/XXXX after I had already told them to stop harassing my family. 
I received more calls on the XX/XX/XXXX myself as well as the XX/XX/XXXX and XX/XX/XXXX. 
The company also harassed my aunt on XX/XX/XXXX and refused to identify themselves to her. 
At date I have not heard back from the school and have refused all further contact with the debt collectors. 
I'm happy to pay my books off, but not to the company that is harassing me and my family.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello I have a checking account and a debit card with Citibank When reviewing one of the statements I noticed a charge called " Foreign Transaction Fee '', I looked further and it turned out I was charged XXXXUSD of this fee in total over the past 15 months or so I raised this in the bank 's branch and ask to refund the fees as I wasn't aware about them, they told me that they notify the new clients about the fees and refused to refund it.., but I was never notified about this fee, neither verbally or in writing. Also other banks have never charged such a fee to myself so I couldn't imagine it was possible.. 
Can you please advise what could be my potential next step to try and have this fee refunded? 
If it helps - the Citi bank 's person name who refused to refund the fee is : XXXX XXXX ( Vice President, Branch Manager, NMLS ID : XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX ) thanks a lot in advance for your kind help with this have a nice day!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: DC

Complaint narrative:
I am having some issues with my credit report with Items on it the are not mine. Its possibly fraud. I would like to have a copy of my credit report. I am disputing the follow account they are not mines : XXXX XXXX BAL : {$1100.00} XXXX XXXX 30 DAYS LATE. 
I HAVE NEVER OPEN ANY ACCOUNTS WITH XXXX XXXX XXXX FOR ANY BUSINESS PLEASE DELETE OR BLOCK THIS ACCOUNT.605B.Block of  information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605A.Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a auto loan with Wells Fargo dealer services. I called on Tuesday XX/XX/XXXX to close the loan. I was told Im not allowed to make payments over {$4900.00} and would have to make 5 separate payments over the next 5 days but only 2 payments can be scheduled at a time. Or I would need to pay {$65.00} for a wire transfer fee and estimate the days required for them to process it and add additional interest. I dont feel its right to be forced to pay interest because the bank cant handle a payment. After looking at all payment options it appeared to be cheaper to make 5 payments of {$4900.00} until it was paid off. However the first payment I made they applied to the next 4 months of payments rather than the principal and charged additional interest on top of the daily interest. I am now forced to drive an hour and pay cash in person at the bank. I dont think they should make you jump through hoops to make payments and charge interest whenever they want. The customer service representatives stated that anything additional would be applied to the principal. That was a lie. It was applied to the next 3 payments and additional {$18.00} in interest was charged. I always pay on time and have had multiple car loans. No other loan company has ever been so dishonest or make it so difficult to make a payment. They would rather just squeeze you for as much interest as they can.

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 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Columbia Recovery Group LLC
State: AZ

Complaint narrative:
This company has not responded to the original complaint I filed through CFPB in XX/XX/XXXX. Yet, since then they have updated my credit report several times, increasing the balance every single time. Everytime I have had it investigated through XXXX, they respond to XXXX stating they have " corrected the balance ''. They never actually " correct '' the balance, they add bogus charges and it passes XXXX 's dispute process because they claimed they've corrected their error. 
This is such a fraudulent, conniving and manipulative practice and I can't believe they are still getting away with it.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Plus Inc
State: CA

Complaint narrative:
This business used my information without my knowledge or approval. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This business used my information without my knowledge or approval. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries.

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 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
This business used my information without my knowledge or approval. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK

Complaint narrative:
I got divorced in XX/XX/XXXX, so I had a reduction on income and had a Loan Modification around XX/XX/XXXX, through Select Portfolio Servicing. My interest Rate was at a non-fixed rate, so they fixed it at 8.75 %. They also reduced my payment by {$400.00} while they were doing the Loan Mod. A couple months later when they fixed my interest rate, they said that's all they could do to help my payment went back up to the Regular amount it was before I called about a Loan Mod. They reported me to the Credit Bureau as late during those 3 trial months of the Loan Mod. I have noticed that only around {$35.00} a month was going toward my principal each month, so a couple months ago I called them to get a amortization Schedule to see when more would go on the principal. I purchased the house in XX/XX/XXXX for {$150000.00} now in XX/XX/XXXX .... 12 years later I still owe {$140000.00}. I knew something wasn't right. The person I spoke with at Select Portfolio told me they couldn't give me an amortization schedule because I was on a Balloon Payment and they I better hurry and start making extra payment because I will still owe around {$100000.00} at the end of my 30 year note! I told them I never would have agreed to something like that and the home mod was suppose to be helping me, how was that helping me?! I asked for them to send me paperwork stating all of this and they still haven't sent me anything, that's been a few months ago now .... I am confused and feel I need to sell my house to get out from under this terrible scam they are doing. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC
State: UT

Complaint narrative:
Nstar/Cooper is reporting a negative balance and negative account since XX/XX/2013 and the account was taken care of in the loan modification in XX/XX/2013.

Company response to consumer: Closed with explanation