vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-24 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Experian several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXX, XXXX XXXX XXXX onXX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/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 2017-08-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
This problem is with Wells Fargo Bank in XXXX, CT. I am not a customer of Wells Fargo. I have a check drawn on Wells Fargo issued by XXXX. Wells Fargo refused to cash the check without charging a check cashing fee, although the check was drawn on an XXXX account at Wells Fargo bank. Wells Fargo blamed XXXX, saying that XXXX 's account does not allow " free '' check cashing. I spoke with the manager, XXXX XXXX of the branch, whom would not waive the fee and stated that I need to either cash the check at my bank or contact XXXX. It does not make sense to me that Wells Fargo would assess a fee to cash a check - is n't that their core business?

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 2017-08-24 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: AL

Complaint narrative:
I have recently been the victim of identity theft and I did the necessary steps to help me remove the theft from my credit file. 

I received two letters from Equifax dated XXXX XXXX, 2017 that they would not block creditors from reporting false, derogatory, inaccurate items to their credit bureau. In the letter Equifax states that the accounts in question ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX ) have been verified by the creditor as being accurate. I beg to differ. Of course these creditors have all my identifying information ( social security number, address and date of birth ) because my identity was stolen. 

Equifax may be subjecting it self to hefty fines because it is not following the law when it comes to reporting identity theft. I would like to know what my next steps are. Where can I take Equifax to court if they fail to block/remove these inaccurate accounts from my credit file. 

I received a notice that the XXXX XXXX account was removed, but it was put back on the day after it was removed. Please remove all accounts on my credit file that are a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am attaching the letter my wife and I sent to the credit bureaus back in XX/XX/XXXX. More four months have passed, and we have not heard anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Experian several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX onXX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX onXX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXXand XXXX XXXX XXXX XXXX onXX/XX/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 2017-08-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
I guess Kohn law firm does not understand that just because something is mailed means that it gets to the person it is intended. They claim they mailed notice of taking over a debt collection yet they did not mail it to me so that I had to sign for it, meaning it would have been given more attention with usps. I NEVER received their notification, contrary to their statements otherwise. As such, I have the right to have the debt that kohn is collecting to be validated, yet they claim that as they sent the notification I have lost my right to that! Sick of dealing with a collection agency that does n't even have the right to be collecting this debt as the wording on my original note does not give the bank we dealt with to sell or give the note to third parties to collect!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: Nelnet, Inc.
State: NY

Complaint narrative:
In XXXX 2017 I submitted my forbearance letter the company said it will be deferred until next year. within weeks I get a noticed that I am delinquent and need to pay. contacted the company faced the needed information yet again get an information my account is delinquent and need to make payment. 
what I have noticed is that this particular company is n't clear on the information they provide for my student loans. I honestly do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
we have been in house 15yrs and sold 4 or 5 times and started with XXXX XXXX who started this mortgage crisis then XXXX XXXX a shell company of XXXX XXXX then to XXXX XXXX owned by XXXX XXXX XXXX from XXXX scandal then to thier buddy fay servicing and XXXX XXXX  who worked with XXXX XXXX at XXXX everyone has refused to refinance us to a lower rate. they have increased our loan by $ 400- {$500.00} dollars for no reason. we put so many refinance applications in with XXXX XXXX that my mom had to put house in my name so we could try and get problem solved but they avoided and lied constantly to me to and then sold us to fay servicing tried to put us in foreclosure back then payments wrong place no notice said 20 times would help they have done nothing. i have asked for harp loan help they laughed said not eligible i asked them XXXX XXXX and fay to put in writing why not eligible and why eligible to pay {$2300.00} a month with escrow and do not qualify to pay {$1400.00} like every one else and we have been here 15yrs. when is someone going to put one of these crooks ruining American dream and American values going to federal prison. this is a complete joke they even have license to still sell property 's. The guy at fay he was very nice but of zero help. He towed company policy line at every turn and would tell us not eligible for nothing. All these company 's have been major players in mortgage crisis so i think we have a good case if all 4 have have fines for fraud and XXXX people out of house and you just fined fay $ XXXX. the road i am on and many other Americans caught in this trap need help. I guess they will claim I am the one loan they did right with all this fraud. please help thanks again have a good one

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On or about XXXX/XXXX/2017, Chase bank unexpectedly closed my checking account after being a good standing customer of theirs for nearly 15 years. For over a month they have been holding my funds of {$6800.00} in my checking account and not releasing it to me. These funds include deposits I made in my account as well as my salary from my employer. 

There is no kind of levy, seizure, garnishment, etc. on my account and the only explanation they 've provided me so far is that they are looking into it. I initially spoke with a XXXX XXXX at XXXX and he did not provide me an explanation as to why my funds have not been released back to me. It has been over a month that they are holding my funds and I have not been able to pay my rent or any of my bills. I find it utterly appalling that this could even be legal or allowed for a national bank to do. I am hoping I have not be defrauded as I have read several similar complaints online against Chase bank. Any help you would be able to provide me regarding this matter would be greatly appreciated. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am attaching the letter my wife and I sent to the credit bureaus back in XXXX. More four months have passed, and we have not heard anything back from them.

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 2017-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
opened card with citicard in XXXX. 2016 with interest free for 18 months and they charged me interest in less then 1 year.

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 2017-08-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have a 120 day delinquency from 2008 on my credit report with my previous mortgage provider that i 'm unable to have removed.

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 2017-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: SC

Complaint narrative:
I have a collection on my credit report from Receivables Performance Management. I was not aware of this collection until a review of my credit report inXX/XX/XXXX. This collection is from XXXX XXXX XXXX. By the way, I currently have service with XXXX XXXX XXXX. InXX/XX/XXXX when I paid the bill that 's being reported to my credit, it was paid to XXXX XXXX XXXX not Receivables Performance Management. I have no contract with this company nor any knowledge of this debt being reported to any outside collection agency. I 've made multiple attempts to get this agency to remove this collection, but now when I call them, they tell me I have to speak with a manager, place me on hold for extended periods of time and disconnect the call before I 've even spoken with anyone. I would just like this collection removed and I am making this complaint as I 'm not getting assistance dealing with the Collection Agency.

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 2017-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Sears/Citibank finance a washer/dryer 0 % interest XX/XX/XXXX to XX/XX/XXXX. Paying approx. {$300.00} a month and had payment scheduled to pay off by XX/XX/XXXX XX/XX/XXXX Sears/Citibank sent offer 0 % until XX/XX/XXXX. InXX/XX/XXXX - I took the offer to pay off another debt. Made normal payment inXX/XX/XXXX of {$300.00}, to pay off loan expiring inXX/XX/XXXX Sears/Citibank took the entire {$300.00} and posted to new promotion loan I just took out a few days before and will not move any of that payment to loan expiring XX/XX/XXXX. Made a payment of {$400.00} on XX/XX/XXXX in the amount of {$400.00}, Sears/Citibank took the entire {$400.00} and posted {$400.00} to the new loan I took out in XX/XX/XXXX. Called Sears/Citibank 4 times and each customer service rep refused to move any of the {$700.00} over the two months to loan expiring XX/XX/XXXX. This is not what the promotional stated. On Sears/Citibank web site it states if you have two promotion payment will go 50/50. On the agreement when I sign the check for transfer it stated payment with post to account with highest APR % both have 0 % so it should be split. I believe Sears/Citibank is trying to cause me to pay the retro interest collected so far in the amount of {$400.00} plus dollars. I believe this is wrong practice for me as a consumer, Sears/Citibank is trying to set me up for failure.

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 2017-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
Representative called and the first thing I heard was that the call was being recorded and them asking to speak with my husband. When I notified them that they were calling his wife 's phone, they asked me for his social security number to verify who they were speaking with. I informed them I do not give out our information and they asked me to have him call, and tried to hang up without providing any information. They never announced the name of their company when I answered the phone, and when I asked for the name of the company, they provided it, and quickly hung up the phone without giving me a phone number. I reverse XXXX the number of XXXX from my caller ID to get their info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/2015 XXXX XXXX XXXX force closed my checking and reported to EWS that they closed my account for transacting in an improper manner which is untrue. My EWS report has a XXXX balance but it 's stopping me from opening an account being that I ca n't get it removed by EWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Wilber and Associates, P.C.
State: IN

Complaint narrative:
I RECEIVED A LETTER FROM WILBER & ASSOCIATES, PC STATING THAT I HAVE A DEBT FROM A CAR ACCIDENT THAT MY DAUGHTERS EX HAD IN MY VEHICLE. HE WAS UNLICENSED THEREFOR INSURANCE DID NOT COVER THE DEBT. I CALLED TODAY XX/XX/XXXX17 TO DISCUSS THE BALANCE. THE REP WAS VERY RUDE, LAUGHING AND BEING DISRESPECTUFUL. WHEN I ASKED HOW I WAS LIABLE ( TO EDUCATE MYSELF ). I DECIDED TO END THE CALL. I THEN CALLED BACK TO MAKE AN AFFORDABLE ARRANGMENT DUE TO MY FINACIAL SITIUATION. A NEW REP WAS ON THE LINE. AGAIN WAS TALK BELITTLED AND WHEN I ASKED TO MAKE AN ARRANGMENT I WAS TOLD TO PAY THAT SHE SUGGEST I PAY XXXX UPFRONT. I TRIED TO EXPLAIN MY SITUATION AND THERE WAS NO TALKING. I ASKED TO HAVE THE REP WHO WAS OVERSEEING MY ACCOUNT TO CALL ME BACK TO FURTHER DISCUSS AND I WAS TOLD " I WILL MARK THIS AS A REFUSAL TO PAY '' AND WAS HUNG UP ON. I NEVER REFUSED TO PAY. I WAS TRYING TO WORK WITH THE COMPANY TO RESOLVE THE DEBT. I WAS NEVER VERIFIED BY DOB OR SOC OR READ THE MINI. I WAS TREATED UNFAIRLY AND TALK TO IN A RUDE MANOR. I WAS THEN TOLD I WAS BEING NOTED AS A REFUSAL TO PAY WHEN I NEVER ONCE REFUSED TO PAY THE DEBT. I HAVE EMAIL THE MANAGING ATTORNEY AND HAVE NOT HAD A REPONSE.

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 2017-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the client 's right to counsel. 
The lender also has this file under review for a Short Sale option, this is considered to be Dual Tracking and is another violation to Reg X.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
OnXX/XX/XXXX I discovered XXXX XXXX XXXX account number XXXX XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This account was detected to have been deleted betweenXX/XX/XXXX andXX/XX/XXXX from Equifax which I have proof. Also, this account was deleted by the other CRAs ( XXXX and XXXX ) as well and has not been reinserted to my credit file.

Company response to consumer: Closed with explanation