vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In XXXX of 2020 I found out that Wells Fargo Dealer services had not beem reporting payments I had made to the credit reporting agencies. I called the Office Of the President which is supposed to be the highest level of escalation and reported the issue and was told it would be resolved. I even got a letter from them stating the error was their fault and it was getting corrected. I am in the process of buying a new house and this has caused a 100pt drop in my wifes credit score and hurting our chance of the loan. The new bank called us in XXXX and said our rating had dropped from XXXX down to XXXX. I called the office of the president again and started a new claim and it was handed over to XXXX as my Claim Rep to resolve this issue. I called and talked to him on XX/XX/XXXX20 and he said he would get it resolved and call me back in 48 hrs. I didnt hear from him on XX/XX/XXXX and started trying to reach him on XX/XX/XXXX and levt multiple voice mails and never heard back from him untill XX/XX/XXXX at wich time he lied to me and said the info would get updated and corrected on XXXX. Its still showing I havent made a payment all of 2020. I have escalated to supervisors and even his manager XXXX only to be ghosted still. There is no way i can find to escalate this higher within Wells Fargo Dealer Services. everyone there just passes the buck and says there is no one we can talk to to get this escalated. This is really frustrating and I need this resolved ASAP.

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 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Services of XXXX MA, contacted me via phone in XXXX stating that I owed {$290.00} to my former auto insurance company, XXXX XXXX XXXX, I disputed this amount over the phone. I received one letter in the mail dated XX/XX/2020. My account was put into collections on XX/XX/XXXX and negatively effected my credit by 40 points, this all during the COVID-19 pandemic. I have been unable to work since the first week in XXXX due to the COVID-19 crisis. I want this account to be removed from collections on my credit report and Credit Collection Services the chance to allow me to settle this dispute in a fair manner during this global pandemic.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I called my mortgage company in XXXX and they agreed to the forbearance for XXXX and XXXX but they are telling me a lump sum will be due in XXXX. They sent another email as shown below. When I called they were only authorizing the forebearance with balloon payment due in XXXX with no additional offerings. 

Information Regarding COVID-19 You previously informed us of your inability to make your monthly mortgage payment as a result of impact from COVID-19. We want to stay in touch to identify any changes to your circumstances as the situation evolves. 

The federal government has issued a reminder that payment relief does not erase what you owe you will have to repay any missed or reduced payments in the future. If you can pay your mortgage payment you should continue to do so. Each payment you make will reduce the total outstanding balance due later. 

You can resume making payments at any time while still receiving protection from late charges and negative credit reporting. You do not need to cancel your payment relief agreement in order to start making payments. 

To resume making payments, simply log in to your account at www.spservicing.com and select the make a payment option, or call one of our Customer Care Experts at ( XXXX ) XXXX. As always your other payment options are also available through bill pay at your bank, XXXX XXXX, or mail your payment to the address below. 

Payment Address : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Customer Care Experts are available Monday through Thursday between the hours of XXXX XXXX. and XXXX XXXX., Friday from XXXX XXXX. to XXXX XXXX., and Saturday from XXXX XXXX. to XXXX XXXX., Eastern Time.

Sincerely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: MI

Complaint narrative:
I filed a dispute with Experian for XXXX XXXX account # XXXX. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were 3 reasons to investigate this account that should not be on my credit account. 1 ) The account belonged to my ex-husband, I never signed for treatment for my son treatment, 2 ) the charges we for medical bills in XXXX which are past the State of XXXX Statues for reporting 3 ) The amounts were wrong. 

I also, sent supporting documentation on XX/XX/XXXX and I feel they failed to accurately review the information. I also called XXXX XXXX and spoke with XXXX XXXX on XX/XX/XXXX. She told me to dispute it with the credit bureaus they never received any dispute from Experian. 

Experian failed to properly review the my documentation and review my complaint

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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a small business owner. You know everything about Covid-19 disaster. This is also economic disaster for us, too. I am in XXXX XXXX of Pennsylvania. My business is closed since XXXX of XXXX. I applied for SBA loans. I want to complain about 3 major credit agencies. I wont be able to get any loan because of these credit score agencies. They keep reducing my score without any reason. Yes I have high credit card debt but I paid everything regularly so far even though it is minimum payment it is paid. Now these agencies keep reducing my score without any new reason. I wont be able to get EIDL loan which is given to small businesses because of these credit score agencies. Sba lenders dont give loans to small businesses if you have a score under XXXX. These credit agencies will cause us to go to bankruptcy. We will not go to bankruptcy because of Covid-19 but because of 3 credit score agencies, XXXX, equifax and XXXX. I am complaining them. Could you please investigate what they are doing to us. My business will disappear because of these 3 credit score agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a XXXX XXXX XXXX. You know everything about Covid-19 disaster. This is also economic disaster for us, too. I am in XXXX county of Pennsylvania. My business is closed since XXXX of XXXX. I applied for SBA loans. I want to complain about 3 major credit agencies. I wont be able to get any loan because of these credit score agencies. They keep reducing my score without any reason. Yes I have high credit card debt but I paid everything regularly so far even though it is minimum payment it is paid. Now these agencies keep reducing my score without any new reason. I wont be able to get EIDL loan which is given to small businesses because of these credit score agencies. Sba lenders dont give loans to small businesses if you have a score under 640. These credit agencies will cause us to go to bankruptcy. We will not go to bankruptcy because of Covid-19 but because of 3 credit score agencies, XXXX, XXXX  and experian. I am complaining them. Could you please investigate what they are doing to us. My business will disappear because of these 3 credit score agencies.

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 2020-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient is very deceitful. I have paid over 18k of interest for my 30k federal student loan. And they are telling me I still owe 30k of the loan. They give me very limited options for paying back the loan. They also do not give a timeline of when I should pay off the loan or how much I have left in my term. This whole thing does not make sense. I already have paid off XXXX 20k plus car loans but I can't pay my XXXX student loan debt. because of the high interest and long term student loan terms? This does not make sense. Please Help! call me XXXX! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: NC

Complaint narrative:
I contacted a company called XXXX XXXX XXXX on XX/XX/2020 about a special they advertised online for the {$390.00} pool. I spoke with a rep named XXXX and I asked her about the special. She explained to me the size of the pool and asked if I was the owner of the home. She told me that she could schedule a consultant to come out and give me more information about the product and to let us know about the installation process. She asked for my name, address, and date of birth to show that I was over 18yrs of age. She then scheduled an appointment for someone to come out on XX/XX/2020 to discuss the special for the {$390.00} pool. Once the call ended I searched online about the company and saw that they had several bad reviews. I immediately called the company back to cancel the appointment. On XX/XX/2020 I received a credit alert from Experian and it said that the company XXXX XXXX XXXX had conducted a hard inquiry on my credit report. I was very upset that they conducted an unauthorized credit check. I never gave them my social and they never even asked or told me anything about they were going to have to do a credit check. I then tried to contact the company by phone, but the phone just rang and rang with no answer XXXX. I contacted Experian and spoke with a rep named XXXX who states she couldn't dispute the information on my credit report and that I would have to contact the company and ask " Why did they run an unauthorized credit check? '' This company is bad business just like everyone one else is saying online. They are conducting unlawful practices and they need to be stopped!! I am so glad that I cancelled the appointment within 10 minutes of scheduling 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 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been with Capital One approximately 10 years. I have never requested a credit limit increase. I requested a limit increase on XXXX/XXXX/20 and was told that my limit could not be increased due to " Average Monthly Payment too low ''. Capital One provided me with a statement that says I have to make more than my minimum payment 3 months in a row. My minimum payment is {$25.00} and I always pay over {$120.00} and have never been late even when I was laid off. When I contacted Customer Service they were not helpful they kept referring me to the website and then offered to assist me in closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: PA

Complaint narrative:
There was a previous company which reported XXXX XXXX on my credit report.. It was proven that the account was not mine, and was removed off of my credit report. Another company is now reporting the same account that was previously proven to not be mine, and Experian refuses to do their job properly and remove it. This account was removed the first time, and now that another company is reporting it how can it be verified as accurate.. I have nothing but problems with Experian doing their job

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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CO

Complaint narrative:
I received a letter from NCTUE on XX/XX/20 stating that a negative entry had been made on my data report. 

I have made repeated calls to their automated system to obtain that report and the process fails every time. It has me input my social security number and the numeric portion of my home address. Each time the system tells me that my data report has been located and then says that " There was a problem processing your request. Please try calling again later. '' I have called several times this week with the same result. They provide no other means of contacting them other than via the useless and broken automated system. I have a legal right to that data report and their incompetence is denying me that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: Fidelity National Information Services, Inc. (FNIS)
State: KS

Complaint narrative:
see complaint id XXXX submitted to provide id theft affidavit

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 2020-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
I had suffered a XXXX XXXX in XX/XX/XXXX, I have suffered 2 other XXXX XXXX prior to that incident my wife was XXXX  in a XXXX  XXXX  in XXXX after 22 years of marriage I was devastated but was able to recover from that and stay on top of my life caliber home loans is where my mortgage is financed through, I was given a forbearance application to file with a team of specialists that work for caliber home loans, I was not allowed to make payments during the application process as of XXXX XXXX I am 8 payments behind totaling {$8800.00}!! My payment is {$1000.00} per month, after I was denied the forbearance modification loan I was put in forcloser process when I was not able to come up with the amount in full due to the fact that caliber home loans does not take partial payment on a loan 120 days past due. I contacted caliber home loans offering them a informal repayment plan of {$2500.00} down and the monthly payments of {$3400.00} for XXXX and XX/XX/XXXX, once again in was denied due to the fact of my payment history. I built my home 26 years ago to raise my family in I'm a honest person that wants to keep his home I'm just asking for a new payment plan, when the banks faced difficulties with over extending loans the people bailed them out I feel it's only fair for the same in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX  and also prior I had contacted Equifax via phone and via web to dispute inaccuracies on my credit report. There are repeated inquiries that I did not authorized, nor received any documents from the company or a verification call in reference to these hard inquiries. My information was compromised in the past and recently. I have credit alerts with all 3 bureaus. Which I receive via email each time anyone tries to access or apply for anything in my name. I immediately contact the creditor. Unfortunately I was advised by each creditor that I would have to report this to the credit bureaus to have it removed regardless if any documents are sent to them in reference to any identity theft or inaccuracies. Below is a list of repeated inaccurate hard inquiries that is listed on my report and damaging my credit file with Equifax. The other bureaus have acknowledged and deleted these inquiries due to previous/ recent identity theft and inaccurate information listed. Also due to me contacting them after receiving these credit alerts and also do to my information being expose in 2 data breaches with Equifax. Which I am still waiting on a settlement by the courts. 
Please see listed unauthorized hard inquiries below. Also attached is my drivers license and a copy of several letters XXXX XXXX stating that someone previously used my information to apply for an account/ credit card and after an investigation they determined that it was fraud. After their system was hacked. 

Unauthorized Fraudulent Hard Inquries XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX XXXX. 
Note : As you can see theres a pattern of someone trying to obtain credit in my name back to back within one month repeatedly which is uncommon and I was was not contacted via phone from this creditor in reference to this matter on these occasions. I was only contacted via mail advising me my information was found in the system due to identity theft. 

Other unauthorized hard inquiries XXXX- XXXX, XXXX  XXXX XXXXXXXX  XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. 

I am requesting for these inaccurate fraudulent inquiries to be deleted immediately as this is damaging my credit file and was not consented.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Im upside down by XXXX  % I have tried to trade down and to no avail .Numerous times I have tried to contact the dealer but didn't respond.Recently I contacted XXXX XXXX and their response was cold and rude as if I didn't exist.They wanted my address to pick the car up only to extent with a late fee the payment .I explained my income is at halt due to the health crisis and it effects me most because Im in the XXXX field and limited if at all my income is not as reported now it is limited to fixed and i will not make it at this rate. At the inception of the loan the income report the dealer gave is not correct it was inflated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CITI BANK TOOK {$100.00} DOLLARS AWAY FROM ME AND THERE IS NO REAONS WHY TTEHY DID THAT. I AM LEGALY 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 2020-05-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OZK
State: TX

Complaint narrative:
I applied for a land purchase mortgage on XX/XX/20 to the Bank of the Ozarks with XXXX XXXX. Application was sent via email. XXXX asked for sales contract, photo ID and mortgage statements with the application. 

On XX/XX/20 underwriting begun and XXXX XXXX emailed me asking for tax returns, w-2s, and pay stubs. A loan estimate was emailed the same day with terms for a 25 % down payment. 

On XX/XX/20 the loan estimate with the 25 % down was signed after I received an email with a counter offer for a loan with 40 % down asking me to accept or decline. Never received 2nd loan estimate. 

On XX/XX/20 email XXXX XXXX about why down payment changed significantly. He responded that the file noted past delinquent credit obligations with others. I asked whether the credit score of XXXX was within the guidelines used by the bank to issue loans for these types of purchases. He responded yes. 

I didn't understand why the down payment increased dramatically since the bank had the credit information, income verification and that information had been reviewed before the 25 % loan estimate had been created. I escalated to XXXX XXXX on XX/XX/20 because I was concerned about the transaction. 

I received a correspondence from the Bank of the Ozarks on XX/XX/20. The correspondence was dated XX/XX/20. The correspondence more information about the decision to counter offer. 

My last conversation with XXXX was on XX/XX/20. He advised me that his Bank 's procedure is to not underwrite before a loan estimate is issued, that credit reports and underwriting is only done after a signed intent to proceed, and the bank makes 40 % down loan offers to applicants with XXXX credit scores. No one with credit score of XXXX or below receives 25 % down payment loans for this type of transaction. 

There were other individuals that applied for the same type of loan during the same time period. 

I am an XXXX XXXX male concerned that I was treated differently during this transaction, and am asking that the Bank honor the terms of the first loan estimate, because I was truthful about everything that was on my application and nothing changed between the time of application XX/XX/20, underwriting XX/XX/20, the loan estimate, XX/XX/20 and the counter offer XX/XX/20.

Company response to consumer: Closed with explanation