vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-10 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: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
This in reference to Wells Fargo bank. Reference # XXXX. They illegally repossessed my vehicle and impacted my credit score for five years, exponentially driving interest rates on all aspects of my credit. Their fraudulent cpi program caused me grave financial and emotional harm and financial hardship. I have asked them to immediately restore my credit rating and remove their information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Company : Wells Fargo Loan Modification Started : XX/XX/XXXX Loan Modification Amount : {$48000.00} Please note, that although the modification started on XX/XX/XXXX, it actually took Wells Fargo, EIGHT YEARS, to reduce the balance to their written Loan Modification Amount of {$48000.00}. It was finally issued on XX/XX/XXXX. 

As such, for eight years, I paid INTEREST on approximately {$68000.00}. 

Now, while Wells Fargo has reduced the " principal '' account balance by {$19000.00}, they've never adjusted the balance for the EXCESS " interest '' paid and CONTINUE to  pay, in having a higher and incorrect account balance of {$41000.00} approximately. 

The correct balance as of today ( XX/XX/XXXX ), is {$27000.00}, with a daily periodic interest rate of {$2.00}. 

Having an incorrect account balance, is a violation of the : Fair Debt Collection Practices Act ( FDCPA ), Fair Debt Reporting Act ( FDRA ). 

In closing, I have tried for YEARS, to get Wells Fargo Executive Management to  address this matter, .... but, they've steadfastly REFUSED. 

Hence, my complaint to CFPB.

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 2019-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: IQOR US INC
State: NC

Complaint narrative:
This company was told to stop contacting me for at least 3 weeks. The representative gave me two names. He goes by the name XXXX XXXX. Telling me not to run away from the debt. I ask them repeatedly not to contact me. The companys phone number is Alliance Interstate LLC. The phone number to this business 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 2019-04-10 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo dealer services first said I had insufficient funds. Sent them bank statement where it cleared with my bank. Dealt with president Dept. They we're rude and uncaring. I got 90 days late on my credit due to this. It should be 0 days late. They keep losing my payments. I lost my house loan ( was in process ). Already closed on my house I was selling.

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 2019-04-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a payment to Bank of America from XXXX 's online bill pay. I inadvertently added a zero, making a payment of {$19000.00} instead of {$1900.00} USD. I contacted them on that date and three times since and they still, as of XX/XX/10 have not initiated return of the $ 16,000+ which I requested. The most recent excuse was that they had to elevate my request for return of my over payment because it was a large amount. This last excuse was 8 days after collecting my banking information and promising a return within two days.

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 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My complaint is the way all three credit reporting companies ( XXXX, Transunion and XXXX ) use  selective data to determine an individual 's credit worthiness. My credit score was over XXXX just 3 months ago and now it is XXXX with Transunion and XXXX with XXXX.The reason it fell so drasticly is because we bought some furniture and decided to take advantage of an offer for a credit card that had 0 % interest for six months. In addition, applying for this card lowered our total purchase price on all the furniture by over {$500.00}. The card company established a " credit limit '' on the card for exactly the amount of furniture we bought which meant that when the credit reporting companies got the information, the " furniture company '' credit card was " maxed out '' at 100 % of available credit. This in turn made our total credit usage on two cards at 50 %. What the credit reporting agenciies don't look at are the consumers bank accounts ( we have about {$750000.00} in three separate savings accounts ) mortgage free property ( we own two homes debt free that are worth {$500000.00} ) and money ( {$300000.00} ) in a money market account with a stock brokerage firm. I have NEVER been delinquent on a payment. I pay my credit card ( other than the furniture card ) balance in full monthly. The credit reporting companies say the " age of my credit '' is one year. I am XXXX years old and have had stellar credit my entire life with many accounts over the years that were paid in full and then closed. 
My credit score is very important to me and I just need to have someone explain to me how I am now only a " fair '' credit risk. It seems to me the credit companies should expand their information base about an individual in my circumstances to take all the above factors into account. 
Please let me know what my options are. 
Thank you, 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 2019-04-10 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: FL

Complaint narrative:
I send a dispute to Equifax over a month ago regarding closed accounts on my credit report I asked that they remove them because these accounts have been removed due to bankruptcy. Instead of removing the accounts they took it upon themselves to enter other information without my knowledge or authorization. I didn't ask them to update information, I asked them to remove it because they where not removing the accounts per the bankruptcy. 
Then they made the statement that these accounts will be removed in 10 years? According to the FCRA creditors can only stay on a credit report 7 years per date of closing or per date of last payment. Some of these accounts been closed for 3 years and they changed the date of closing to XX/XX/2019. 

Here is the link for the credit report that was sent to me from Equifax regarding my credit report. 

XXXX XXXX XXXXXXXX   XXXX & XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX   & XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: IA

Complaint narrative:
MIDWEST RECOVERY SYSTEMS, LLC Last reported : XX/XX/2019 I have tried to dispute this with XXXX and have disputed this with XXXX. 
I have never dealt with XXXX XXXX XXXX. 

I have not gotten any notification from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
I sent my money {$15000.00} to my sister 's account at XXXX XXXX XXXX from my account at TD bank ( branch Number:XXXX ) on XXXX XXXX 2019, but still now she hasn't gotten them yet. According to XXXX XXXX XXXX, they don't even get a data for sending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
The response from Quality Recovery Services indicated and agreed with my complaint that instead of correcting their error they made in wrongfully placing derogatory collections on my credit report they simply reduced the amount. Once they accepted that they had made a mistake as I was allowed to move out without penalty, the should have immediately COMPLETELY REMOVED the derogatory collections and send me a new bill. I never refused to pay {$330.00}, they just simply never invoiced me but instead chose to skip the invoicing step and illegally placed {$330.00} on my credit report!! 
They also indicated that the refused registered mail was simply asking me to provide evidence that I do not owe the reduced amount, the amount they never billed me for separately, once they found they had made a mistake! I never said I didn't owe or wouldn't pay for any amount rightfully incurred upon move-out, I'm simply asking Quality Recovery Services to do the right and legal thing by REMOVING THE AMOUNT WRONGFULLY PLACED ON MY CREDIT REPORT without billing me, then bill me and I will pay. If they refuse to follow the correct legal procedure then I will have no further choice but to have a judge decide if they handled this derogatory Collections without FIRST billing me correctly and allowing me legal time to pay BEFORE placing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I paid my balance ofXX/XX/XXXXor XX/XX/XXXXwith capital one of XXXX.xx with my XXXX XXXX   XXXX account. A week or so later I paid XXXX.xx with the same savings account. I attempted to pay with the same account XXXX about a week or so later and it returned not for insufficient funds. I thought maybe s mistake on someones end so I scheduled a XXXX payment and called my bank to see why it didnt clear. They advised me I could no longer make payments through my savings account. I called capital one immediately to notify them my payment would return. The rep said I would be ok just make payment with checking account. Once payment returned I made XXXX payment with my capital one bank account. They closed my account. I spoke to supervisors who said the problem would be corrected and got a manager XXXX who said I had 5 returned payments in my almost 3 years but I have never been late on this card. I explained the last two were not of my knowledge and I dont recall 5 total. I looked on my account it was four including the two that were beyond my control. I asked to speak to her boss or she needs to email her boss to contact me. First she said she couldnt and they were s big company and I pestered her so mich she claims she did I filed a XXXX COMPLAINT and XXXX an executive called me when I was sleep and I have called her multiple times and left messages as she instructed me to do and I get no response. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I am with fedloans and somehow 2 of my loans went delinquent even though I am on IBR and my amount is $ 0 monthly ( 2 loans stayed active and 2 went in default ). It resulted in my tax refund getting taken {$6200.00}!! I needed that money for my 2 little kids and we are so behind on bills now. When I found out, I consolidated the loans back to IBR and {$0.00} repayment but they put the entire {$6200.00} on the loan even though it wasnt defaulted anymore and the offset was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had my identity stolen several years ago through theft of my spouse 's purse. My personal documents were in her possession and I have been dealing with loan accounts and apartment rentals in the state of TN. 

They opened personal loans, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX mobile numbers, and they listed an address on my credit report that is not mine. My date of birth is wrong it shows 1977 Can someone tell me how to get rid of this major inconvenience? I have tried fixing XXXX  XXXX XXXX  issues but they are not cooperative I have sent all information required and they still do not change my record or remove it. XXXX XXXX in TN is another creditor that is not helpful. 

Experian report number 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 2019-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: AE

Complaint narrative:
I have autodraft setup to pay my mortgage. The company stopped by my autodraft because the payment changed by {$7.00}. They sent me several letters regarding the change and missed payment but they were delayed because I am currently working at the XXXX XXXX in XXXX. The mail takes 4-6 weeks to get here - sometimes more and I did not receive the letters. They made no other attempts to contact me. They have now reported that I was 30 days delinquent on my payment in my credit report. This is unacceptable. I have missed no previous payments on any mortgage.

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 2019-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I didnt authorize anything on my credit I need everything removed and I literally means everything

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX. Some unknown ... no caller identification. Nasty person. Took {$800.00} and then {$10.00}. And then {$11.00}. Mistaken I did not know the up address. I know no one in XXXX and that all put my savings in the negative by {$37.00} plus dollars Please block any and all foreign XXXX address XXXX Trouble with Romance scam Sweepstake scam And Person that used my telephone account She did not pay for merchandise mailed USPS And IDENTITY THEFT Calling about some kind of package and CYBERBULLYING CYBERCRIME

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: FL

Complaint narrative:
I have filed 2 disputes with Equifax regarding an account with XXXX XXXX XXXX. My credit report indicates it's a " charged off '' account with a balance. This is incorrect since it was paid in full & the account was closed. I have contacted the bank repeatedly regarding the issue & was advised they notified Equifax accordingly. The account has since been re-added to my credit report with the balance. The bank also advised this account shouldn't be reflecting on my credit report since its an old account. The contacts through XXXX XXXX XXXX are XXXX XXXX & XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 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: NC

Complaint narrative:
I have written to Experian that is still reporting this misleading and fraudulent information on my credit profile. XXXX and XXXX   has corrected the matter promptly. I have given Experian notice through urgent letters and submitted an affidavit in reference to the fraudulent accoun, incorrect addresses on my Experian are invalid as well. 

Experian reporting this misleading fraudulent information is preventing me from obtaining a mortgage loan. Thank you for helping me hold Experian responsible in correcting and Deleting this Fraudulent information on my credit profile immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 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: NV

Complaint narrative:
transunion has to delete these negative items fro my credit report ... also thay have not responded in the 30 day time frame.

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 2019-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2019 I called USAA because the week before I had chatted with someone online about fee 's that were charged to one of my checking accounts. During the chat he had opened an investigation to stop these payments ( as I was under the impression ) I had never heard anything back about the investigation on those specific fee 's. The fee 's were charged by companies I had changed my bank account info over to my new bank account. During the call with the executive resolution department on the XXXX He credited back those fee 's and moved the money back over to my account. He also gave me a {$100.00} credit for a pending debit transaction which was later removed again out of my account for some reason. Another one of my accounts that should have been closed over a year ago was still open so he closed that account. I was also under the impression my other account that was getting charged these NSF fee 's would be closed as well and the fee 's would be credited back to me. He could only credit the ones that had been charged to me as of that day which he did. 
Today XX/XX/XXXX, I'm looking at that account and I see it's still open and has been charged numerous NSF fee 's. USAA has taking {$190.00} out of my current checking account that I use to cover that negative balance which has in return caused me to not be able to pay my bills with that {$190.00} shortage in money now. 
This account should have been closed and any additional fee 's should be credited. 
Today XX/XX/XXXX I called and spoke to someone else in the resolution team who told me I am at my limit and they do not see this account should have been closed when in fact I was under the impression it would be and no more fee 's should be charged. 
USAA has failed me as a customer and has now caused me to not be able to pay one of my bills that I have to pay with them taking {$190.00} out of my bank account to cover a negative balance that shouldn't have been charged anyway since the account should have been closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: GA

Complaint narrative:
Equifax continues to allow false information on record. Reguarding address, scores, and repeat offenders.

Company response to consumer: Closed with explanation