vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-28 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: DISCOVER BANK
State: IN

Complaint narrative:
The above three accounts ( Discover, XXXX XXXX, and XXXX ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old. 
These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Focus Holding Company
State: NV

Complaint narrative:
I'm a victim of identity theft and I do not have any signed contracts with any collection agencies regarding this account from XXXX XXXX. I've contacted ALL 3 credit bureaus, XXXX   has completely removed this from my credit report. However, XXXX   and XXXX has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The above three accounts ( XXXX, XXXX XXXX, and XXXX ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old. 
These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!

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 2018-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
The above three accounts ( XXXX, Capital One, and XXXX ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old.

These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: CITIBANK, N.A.
State: IN

Complaint narrative:
The above three accounts ( XXXX, XXXX XXXX, and Citi-Shell ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old.

These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!

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 2018-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I tried to make a payment for my Wells Fargo credit card but the website did not allow me to add the payment account and gave " account already exist ''. Though I have not added any account in past and my credit card itself was just 3 weeks old.

When I contacted their support, the rep said this has been reported to " TECH '' and will be worked out soon.

On XX/XX/XXXX I tried again and got the same error, and after calling to Wells Fargo got the same response that this has been reported to " TECH '' and will be worked out soon.

Today XX/XX/XXXX I tried again and got the same error " account already exist '' and due to this I can not make payment and Wells Fargo is not allowing me to make a payment and seems will put charges on my account due to non-payment.

I request CFPB to write and instruct Wells Fargo to provide a resolution and also not applying the non-payment charges to my account.

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 2018-06-28 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: CA

Complaint narrative:
I mailed out a letter to Experian on XX/XX/XXXX and XX/XX/XXXX. I was asking for validation of several items, as they have come back valid in my initial letter XX/XX/XXXX. This is a copy of the 2nd letter I sent, asking for PROOF of Experian 's verification via Metro2 Compliance.

Name of Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am been working/attempting to work with Citi Mortgage on loan modification, now short sale since XX/XX/XXXX. In summary, Citi has denied any loan modification, put me in foreclosure 2 times, denied my appeals, denied an options at a court appeals hearing. I retained a lawyer to help with no outcome. I retained a company to facilitate the short sale process since XX/XX/XXXX to current. Citi Mortgage keeps asking for the same nonesense paperwork month after month to delay the process. They say confliciting information, They keep my file in one department ( retention ) for 6 months saying they want me to keep my home yet they put me into foreclusre 2 times during this process and I am forced out of my home. In 6 months of this year ( XX/XX/XXXX ) we started the short sale process, I found a buyer and the file still till this date sits at Citi mortgage. They refuse to move to the short sale department. Citi gives every excuse, keeps asking for trivial paperwork, and keeps me in the dark during the process. As of today, XX/XX/XXXX, Citi now has refused me to speak to my single pointn of contact saying they are switiching account reps and will get back with me. Citi refuses to give me names of supervisors, of phone numbers and excellation department information. I obtained a short sale approval from my Junior Lender, XXXX XXXX XXXX in 3 weeks start to finish. We submitted the approval letter to Citi and they are not working it. I have attatched copies of emails over the past 1.5 years that I have been seeking help thru Citi. You can see the pattern of repeat questions, saying they never received my documention when they did, putting me in foreclosure while they state my file is in retention and they want me to stay in my home. I have been unable to get my file escalated to a short sale in 6 months. Mu point of contact until he refused to answer my questions as of today and told me He will no longer be my contact and my account is being reassigned yet aggain ... .XXXX XXXX , XXXX. XXXX ext XXXX. I worked with XXXX XXXX on a rentention program in XX/XX/XXXX for 1 year and was denied, and they denied my appeal. XXXX. The law group handeling the foreclosure is XXXX XXXX XXXX XXXX. The lawyer I hired to help me originally obtain a retention program was XXXX XXXX. I have now obtained XXXX XXXX with XXXX XXXX XXXX who has been trying to work with Citi daily ince XX/XX/XXXX to obtain a short sale on my behalf. They /citi now refuse to access my file and answer all/any questions about my account effective today. I am asking for help. I want a short sale of my property. Citi will not facilitate. Total time workingn with Citie is now 1.5 years. All documented with my attatched documents and emails.

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 2018-06-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My property taxes were adjusted by the county tax assessor for the year XX/XX/XXXX to XX/XX/XXXX. They have also been reviewed and lowered for the next year XX/XX/XXXX. For the XX/XX/XXXX year the original amount due in taxes was XXXX. After review and appeal to the county the new amount due for XX/XX/XXXX became XXXX total, of that amount my first tax payment was collected in my mortgage payment along with my property insurance. My mortgage company Wells Fargo has paid the first bi-annual payment based on that first amount of XXXX. So they have already paid XXXX and according to the county assessor my remaining tax balance is only XXXX for this year. Now Wells Fargo has received all the new tax info from the county and done an updated escrow analysis but the are basing my next by annual projected payment on half of the total tax amount for XX/XX/XXXX which was XXXX and not what the remaining balance really is. So they are estimating my projected next payment at XXXX instead of the actual XXXX remaining balance. That is an over estimation of XXXX. The remaining balance in my escrow account right now is XXXX. That's XXXX more than I need to finish paying my taxes this year plus they have another 6 months left this year to collect escrow towards next years taxes on top of that XXXX. And they have projected me at XXXX. plus shortfall on my escrow based on a faulty over XXXX estimation of taxes remaining this year? Is this even legal? Wells Fargo has broken the law and been in trouble so many times I can't be sure nor do I trust them. Also if they are doing this to me what if they are doing it to thousands of other customers the extra money they would be raking in would be staggering?

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 2018-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MO

Complaint narrative:
Beginning on XX/XX/2018 I have requested a deferrment application. And XXXX ( PH:XXXX ) has been determined not to send me a deferrment application. Also, I'm entitled to receive a deferrment Application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2017 TransUnion XXXX XXXX Finance XX/XX/2017 TransUnion XXXX XXXX Automotive XX/XX/2017 TransUnion XXXX XXXX Bank XX/XX/2017 TransUnion XXXX XXXX Finance XX/XX/2017 TransUnion XXXX Bank XX/XX/2017 TransUnion

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 2018-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX I took out a mortgage loan with XXXX XXXX XXXX, a New York Corporation for the amount of {$310000.00}. I defaulted on my mortgage because I could not keep with the increasing mortgage payments. On XX/XX/XXXX there was an assignment of mortgage filed with XXXX County 's Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX XXXX, as nominee for XXXX XXXX, XXXX to XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX Backed Pass-Through Certificates, Series 2006-5. On XX/XX/XXXX XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX Pass-Through Cerificates, Series 2006-5 started a foreclosure action against me for the amount of {$310000.00}, which is about {$210000.00} from my original mortgage. How is that even possible when I had already paid about {$38000.00}. I would the opportunity to resolve this issue without having to go through an auction sale.

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 2018-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I'm a victim of identity theft and I do not have any signed contracts with any collection agencies regarding this account from PayPal Credit.  I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, XXXX and XXXX has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.

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 2018-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was sent my mortgage statement for XX/XX/2018 and it included {$73000.00} in past due/other charges. I called the company to ask what this was for and was told after speaking to several people, that the company did an audit of my account and found they had been charging me he wrong mortgage payment for the last 5 years. They then added that to my account, and almost doubled my monthly payment. They never sent me an explanation of this. they also add another XXXX a month for what I do not know. At this rate the loan will never be able to be paid off. Not one person there can really explain what is going on. they only state I owe it. I am a widow on a fixed income and can not pay this exorbitant amount. I believe they are practicing unfair lending or predatory lending practices towards me, engaging in unlawful collection pratices, creating hardship, and attemping a fraud under lender regulations.

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 2018-06-28 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: RI

Complaint narrative:
I was going through my credit report last month and noticed several credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of these creditors and credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them, I being giving run around. I've also personally wrote to the credit bureaus to look into this, and I just received auto template mentioned that I need to contact the Creditors/Companies that I haven't authorized them. I do not believe I authorized anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and would like these hard inquiries removed completely from my credit file :

Company response to consumer: Closed with explanation