vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-07 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: CA

Complaint narrative:
I 've been battling with Wells Fargo Bank since XX/XX/2016, pertaining to a Home Equity Line of Credit. This account was mishandled by Wells Fargo Bank, subsequently Wells Fargo Bank agreed they would not attempt to collect any funds for this account and they released any liens against me an my wife pertaining to this account, however Wells Fargo Bank continued to report a past due balance on my credit reports and my wife 's credit reports for almost one year. My wife and I contacted the Credit Bureaus multiple times to remove the incorrect information. XXXX XXXX removed the incorrect information, however XXXX and XXXX have continued to report incorrect information on our credit reports, this has been extremely stressful, extremely time consuming and has drastically effected both of our credit profiles. Wells Fargo Bank 's callous disregard for providing accurate information to XXXX   and XXXX is truly egregious and XXXX and XXXX  's unwillingness to correct and/or remove the false information from our credit reports has been extremely frustrating.

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 2017-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a direct dispute with Transunion XXXX XXXX XXXX for 8 accounts. 6 that are fraudulently open ( {$150.00}, {$200.00}, {$2000.00}, {$900.00}, {$69.00}, {$1300.00} ) ; due to stolen identity, and the other 2 ( {$14000.00}, {$7800.00} ) which the amount owed is incorrect. It has been longer than the 30 days that the law requires. I called Transunion on XX/X/17, to follow up on my dispute, they were unable to help me and gave me the same file number after the agent told me he redid my dispute. He did not want to email me the information nor give me any information regarding my dispute. The agent was very rude and could not understand me. He Kept repeating the same thing over and over. It was very hard to understand his accent as well. Nothing was resolved or even token care of.

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 2017-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
I have disputed this several times with nothing being received. I do not owe {$100.00} please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed a tax lien reporting on Equifax. I do n't owe any tax liens. I disputed it with Equifax XXXX days ago and they wont respond, yet they continue to report this error on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
XXXX XXXX. I contacted the company and requested a pay off balance and was told I would receive it in the mail. 

XXXX XXXX contacted the company and was asked to call their attorney to give me a pay off balance. 

Last year, I had XXXX XXXX. Before this XXXX I went to their office to sign paperwork deferring my payments since I also had insurance with my loan, which was supposed to make the payment. 
I was assured the insurance was making payments. When I called the company to ask when my insurance would run out, I was told since I had unemployment insurance and I was unemployed almost a year prior and the insurance company did not send the payment I was told that that payment would cover me for 4 more months. This did not happen. 

I received a notice from their attorney a few months later during me for non payment. 
I went to court and the attorney apologized and stated it was the fault of the company and not mine and she dismissed the case and an agreement was signed stating I did not owe any attorney fees and if at any time I did not make payment on my account when due, 15 days after the due date I would have to pay attorney fees. This has never happened because I always made payments on time. After the agreement was signed I contacted the insurance company to find out why they never paid landmark when I was unemployed. They claimed lendmark never forwarded them documents they requested. Documents I had given to lendmark were never given to the insurance company. I was asked to resend those documents and when I did, the insurance company paid within days of receiving them. 

However, I have asked several times for a pay off balance and have been told to speak with their attorneys because I may owe attorney fees. I stated I had the agreement and I also believe they should have a copy of the same agreement because the attorney assured me she was sending them a copy the same day. Several times they acknowledged the receipt of this agreement but once I asked for my payoff balance no one wanted to give it to me. 

My last attempt was on XXXX where I had to ask for a manager and I told him I had no business with the attorney so I would not be calling and since my loan was with their company it was in their best interest to provide me the information I wanted on my account. He refused and told me he would contact the attorney and get back to me.
Landmark is in breach of the contract I signed with their company and the attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: DC

Complaint narrative:
On XX/XX/XXXX, I requested an investigation with XXXX XXXX into my XXXX XXXX account, because as of XX/XX/XXXX a mortgage modification was done but the account continues to show negative information ( delinquent payments and past due amount ). After a modification is done the account should show current. The investigation came back with no information being changed. A second investigation was requested on XX/XX/XXXX, and as of this writing the account still stands in the negative.

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 2017-11-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Entered into a loan modification earlier this year with Ocwen. I discovered on XXXX/XXXX/2017 that XXXX XXXX XXXX XXXX is listed as the servicer of our loan with XXXX XXXX. Ocwen also claims to be the servicer on our loan per the modification documents we signed. Since we signed a loan modification with Ocwen that states that Ocwen is the servicer, buXXXX XXXX XXXX XXXX XXXX is being reported as the servicer on the same loan, Ocwen made false representations and statements to us that Ocwen was the servicer of our loan when Ocwen is not the servicer of the loan per the records of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: IN

Complaint narrative:
XXXX XXXX card issued by Comerica Bank. 

XXXX XXXX XXXX through XXXX XXXX this year XXXX. 

XXXX XXXX card, which I have for my XXXX benefits, withdrew nearly XXXX from my card for " debit adjustment '' without notice and with no reason stated on my online statement. I 've spoken to them and the explanation was so convoluted that the only clarity is that " XXXX had a glitch '' and did n't take out charges when made so is now adjusting them by going back through at least XXXX and withdrawing funds. 
Issues : Failure to catch and correct their error in a timely manner Failure yet to notify consumers impacted Failure to offer explanation Then recouping by withdrawing money from XXXX XXXX customers cards. This is in direct contempt of their own policy that states they will not let a charge go through if the funds are n't there. Therefore I had a false sense of security based on their own promise. I imagine lots a people do n't know yet.
Remedy expected : refund the funds withdrawn to their card holders

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I 've been battling with XXXX XXXX XXXX since XX/XX/2016, pertaining to a Home Equity Line of Credit. This account was mishandled by XXXX XXXX XXXX, subsequently XXXX XXXX XXXX  agreed they would not attempt to collect any funds for this account and they released any liens against me an my wife pertaining to this account, however XXXX XXXX XXXX continued to report a past due balance on my credit reports and my wife 's credit reports for almost one year. My wife and I contacted the Credit Bureaus multiple times to remove the incorrect information. XXXX XXXX removed the incorrect information, however Experian and XXXX have continued to report incorrect information on our credit reports, this has been extremely stressful, extremely time consuming and has drastically effected both of our credit profiles. XXXX XXXX XXXX 's callous disregard for providing accurate information to Experian and XXXX is truly egregious and Experian and XXXX 's unwillingness to correct and/or remove the false information from our credit reports has been extremely frustrating.

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 2017-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS LENDING CORPORATION
State: MI

Complaint narrative:
We were supposed to close on XXXX XXXX XXXX and the mortgage banker had assured me every step of the way that we would close on time. Regardless of what the reasons and excuses were, we had completed everything on our side in a timely and orderly fashion. It was however, the mortgage banker 's responsibility to make sure everything on his end would go through, as well as plan for contingencies as this is part of his job responsibility. In addition to the failure to close on time, I was also assured several times by the mortgage banker 's supervisor that we would close on XXXX XXXX which then changed to XXXX XXXX. Subsequently we were not able to get possession of the house due to the title company that Nations Lending chose, which could not get everything completed on time. And to add more insult to injury, closing was scheduled at XXXX and the mortgage banker did not inform me that the title company on our side was rescheduling at XXXX, which then delayed taking possession of the home to the XXXX and made us look like fools at the closing table when the seller 's side had showed up with their title company. This has caused a moderate amount of hardship due to having to reschedule moving plans which increased the moving costs, days off for my wife that can not be taken back which were wasted, and general financial problems and stress as a result of this. Nations Lending supposedly prides itself on excellent customer service, and I feel that I have not received excellent customer service. All I got were irrelevant excuses. At best, the customer service was below subpar. 

In addition to the above, the mortgage banker that was working with me supplied me a different customer 's personal information which is a breach of privacy.

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 2017-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Today XXXX XXXX, XXXX Navy federal credit union took a past due payment of XXXX for my closed credit card out of a shared joint XXXX XXXX checking acct with no authorization and no notification. They refused to return the XXXX unless I agreed to set up a payment on the XXXX of XXXX! When I explained to them I would n't be filing a complaint and that they had no authorization from me or my XXXX husband to take that money only then did they say they would return it but only after I set up a future payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX has been responding to my many consumer complaints with nothing but lies. In XXXX XXXX response to my consumer complaint she told me I could apply for assistance again, she told me to call Ocwen and speak with the relationship manager. That is a complete joke and so laughable in itself. I have called Ocwen several times and always was denied the right to speak with the so-called relationship manager assigned to my matter and was always harassed and either hung up on or put on hold for several minutes before XXXX XXXX returns laughing at me. Everytime I called I was told I could NOT speak to the relationship manager assigned to my matter because the relationship manager was on another call assisting another client. The same old robo-call-words. Its also impossible to speak to incompetent dishonest criminals who run a unorganized crime operation. So, I been using the CFPB complaint site to avoid harassment and abuse. I feel no other option left other then to apply for shady ocwen assistance until jury trial. I have applied for so-called Ocwen assistance on XXXX XXXX, XXXX. I have not received a response. I am curious what fraudulent balloon payment, increased principal balance and payment incompetent Ocwen abusive employee will shuffle in my face this time. Ocwen and its shady employee XXXX XXXX continue to threaten me with the loss of my home using forgery and fraud, fabricated documents, false principal balances, false payment history, fraudulent other fees, illegal force place insurance policies and employees who are abusive. My doctors are watching everything you criminal do to be. The application for assistance is attached along with email proving I sent incompetent servicer my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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:
on XXXX XXXX XXXX i informed Equifax that an Account they are reporting by Credit Factor Account Info Overview Reference Number XXXX Date Filed Reported on XXXX XXXX, XXXX i informed Equifax that this account was past the XXXX of limitations they responded on XXXX XXXX this was their response " Wa have reviewed* the Lien Information. Case ID - XXXX & XXXX the results are : We have verifed that this public record item is reporting correcty " on my letter i to Equifax i did not dispute that this account is mine but that under federal Law this account is way past the statue of limitations and should no longer be showing in my credit report. 
Equifax has FAILD misserably to protect My personal Information and millions of other Consumers personal Information Now they are showing Disregard to follow the law and not responding to my request to remove this item from my credit report as it isrequire by law Accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: WA

Complaint narrative:
In XXXX of XXXX I filed for Chapter XXXX bankruptcy due to undue hardships as result of a divorce a few months after our child 's birth. All creditors included in the bankruptcy filing were notified at least 2 weeks before my bankruptcy meeting of creditors on XXXX XXXX, XXXX. Navient/Department of XXXX was included in this list filing with a total amount of debt to be discharged of XXXX. This included two separate student loans each amounting to XXXX and XXXX respectively which was noted in the 'Other ' section of the XXXX XXXX XXXX. No creditors attended the creditor meeting in XXXX or disputed the bankruptcy. My Chapter XXXX Bankruptcy was granted in full on XXXX XXXX, XXXX. Nelnet/ Navient XXXX Department of Education have continued to bill and contact me all with varying stories stating it will be done in 1-2 days, then that it takes 30 days to process and that I will need to put a forbearance on the account, that my bankruptcy expired on the exact date it was granted, that they could not approve it without the list of creditors attached to/included with the order of discharge form even though no such thing exists, that they have some denial letter in their history ( which does n't exist ) and then that they do n't, giving me incorrect fax numbers, claiming they never received a fax in full that I have the proof of successful submission for, then telling me that ALL federal loans can not be discharged via bankruptcy, etc ... It is true some can not be XXXX but mine was granted under the 11 U.S.C. 1328 XXXX b ) for undue hardship, poverty persistence and good faith ( via XXXX decision of XXXX ). I am not liable for these debts under 11 U.S.C. 105 of bankruptcy code the bankruptcy automatic stay and discharge. I am unable to get them to stop attempting to collect or accept my order of discharge as such and that they are " above the law ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: Fay Servicing, LLC
State: DC

Complaint narrative:
On XXXX XXXX, XXXX, I requested an investigation with XXXX XXXX into my Fay Servicing account,  because as of XXXX XXXX, XXXX a mortgage modification was done but the account continues to show negative information ( delinquent payments and past due amount ). After a modification is done the account should show current. The investigation came back with no information being changed. A second investigation was requested on XXXX XXXX, XXXX, and as of this writing the account still stands in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Went into the XXXX XXXX. Wells Fargo Branch. I stepped up to the teller window, I told the teller that I was there to pay my mortgage. Sadly I did n't have the account number with me. She asked me my name, I replied, I am not on the contract. She looked around for help. The mortgage is based on land/home ownership. I believe that they could have taken my address to look up the mortgage. They only had a ca n't do attitude, whereas they would be happier if they 're customers were happier. How can I help you is the better way to a consumers heart. 

I called the number on the response letter and the gentleman who answered, I forget his name, just rambled on about how they were right. I think the corporate culture needs a sorely lacking update on how to support their customers.

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 2017-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have been trying to work with the Navient company in correcting a mistake that has happened but they keep giving me the run around. The mistake is my Student Loans where defaulted on when they were suppose to be in Deferment and or Forbearance because of my XXXX XXXX status during a time of XXXX. The first two years of my XXXX XXXX time they were in Forbearance and then were taken out for some reason. But it is not my fault that they did not scrub the XXXX database to ensure i was XXXX XXXX. An i worked with them in XXXX XXXX, XXXX and XXXX, so they were aware of my XXXX XXXX status.

Company response to consumer: Closed with explanation