vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-10 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: AMERICAN ADVISORS GROUP
State: OH

Complaint narrative:
This complaint is in regards to a HARD CREDIT CHECK done WITHOUT MY PERMISSION -- I ONLY ALLOWED A " SOFT '' CHECK FROM THE THREE CREDIT REPORTING BUREAUS, The complaint is against the company, AAG /reverse mortgages. 

When told that a credit check was required, I asked THREE TIMES if theis check would be a HARD check, and THREE TIMES, I was told NO nO. 

After allowing this check, I was contacted by XXXX and my score dropped IMMEDIATELY FROM XXXX TO XXXX, BASED ONLY ON THAT CHECK BY AAG. 

AAG says they have the 88 minute conversation on XX/XX/2019, where they were given permission to do a SOFT CREDIT CHECK. 

SEE ATTACHED RESPONSE FROM AAG, SENT XX/XX/2019 FOR THEIR RESPONSE TO ME, NOT TO THE CFPB. so I am filing a NEW COMPLAINT against AAG, for them simply to authorize the THREE credit reporting bureaus to DELETE that HARD check on XX/XX/2019 see the attached, 3 page letter of AAG 's RESPONSE, NOT SENT TO CFPB AS THEY REQUESTED. 

SEE ATTACHED 3 PAGE LETTER

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
sent all required documents that supports my ftc violation claim inquires caused were not removed transunion : XXXX : XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX consumer services 5 times XXXX   XXXX XXXX  twice XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
sent all required documents that supports my ftc violation claim inquires caused were not removed XXXX : equifax : XXXX XXXX XXXX rpts ar XXXX XXXX XXXX eqifax XXXX XXXXs 5 times XXXX XXXX XXXX twice XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My property at XXXX XXXX in the city of XXXX, New York XXXX had a fire in XXXX of XXXX. Back in XXXX I had mortgage on the property in the amount of XXXX dollars. My insurance on the property was through XXXX XXXX XXXX who issued a check with the Mortgage Servicer Seterus Inc. and myself on the check. Seterus had my attorney XXXX XXXX have me signed the check and they would refund the balance to me. They then stated that I owed the entire amount of {$62000.00} and refused to refund me the balance. My former Attorney XXXX XXXX has since retired and I have no legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
To whom it may concern Navient is still calling my Job, to Harass me and trying to get me fired from my Job, Today XX/XX/2019 from a Ms. XXXX called and stated she will continue to call me on my Job and she doesn't care if I get fired form my Job, I deserve it for not paying my student loan and who care if you have Health Problems. 
I have pics from the caller I.D . from a Toll Free Number of XXXX @ XXXX Today is XX/XX/2019. I am Sick and Tired of Navient Harassing Me. Please make them stop .... 

To whom it may concern Navient is lying, regarding calling my job, I've asked many time for Navient, to add on the file, Do Not Call my Job, which is causing a problem for me with my Employer. as of Today XX/XX/2019 I received called today, and this past week. I have saved several pics from the caller ID, showing Navient, regarding the DO Not Call My Job, Please Stop Them Thanks To whom it may concern, I would like to make a complaint against Navient. I've had an on going problem with Navient for several years with harassment and continued threatening phone calls at work, home and on my cell phone, I asked Navient not to call me a work, on several occasions. I am getting a least 25 phone calls per week from Navient, which I have recorded or saved, as of XX/XX/2019 I received calls form Navient at my job, too many times, calls from a XXXX, XXXX several others, from these numbers of XXXX, also from this number of XXXX. My job records all incoming calls and Navient is trying to get me fired from my job. I ask Navient several times to stop calling me on my job, Navient response is always the same, there's no note on your file, saying Do Not Call Job. I also given Navient the address and contact information of both Mr. XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX- phone number XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, phone number XXXX whom both are Employed and can pay their student loans. Navient has destroyed my Credit, I had a credit score of almost 800, before Navient intentionally forced a default on this loan. I am Request to be released as Co-Singer on both loans for XXXX XXXX XXXX- File # XXXX and XXXX XXXX XXXX -File # XXXX Case # XXXX. Navient Please contact both bowers, you have their information. CFPB what are my recourses, if I end up losing my Job because of Navient, I have many on going Health issues, and the Harassment from Navient is causing more Health issue and harm for me. I have documented the same issue of Harassment with Navient in the past with CFPB and the State of Conn File # XXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Revised as of today XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
The credit card company Capital One is not updating nor removing negative inaccurate information back from XX/XX/2015. My balance for this card was paid in full on this date but is still damaging my personal credit score has I have reviewed from the credit bureaus. 

I have filed formal inquiries with Capital One and the three major credit bureaus. Providing all documented support that was requested showing my personal bank statement, cleared check for final balance payoff and letters from the law firm XXXX XXXX   XXXX, XXXX, that Capital One retained again showing proof that this has been paid in full since XX/XX/XXXX of 2015. 

Again I feel Capital One is liable and continues not to be cooperative in fixing this very important personal matter. 

Any help that your department can provide will be much appreciated. 

Many thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
I filed a dispute in XX/XX/2018 for {$30.00}. XXXX XXXX XXXX is the merchant. Today I was alerted by Chase that my account was - {$21.00} due to a dispute reversal. I contacted Chase spoke with XXXX who offered a scripted " I do apologize '' before transferring me to XXXX. XXXX informed me that XXXX credited my account on XX/XX/XXXX. I apologized for the oversight on my part and inquired about overdraft feesm XXXX informed me that Chase sent out a letter on XX/XX/XXXX. I informed the representative that I had receiced an email regarding a claim which had been approved but to date had not received notification regarding a denial. XXXX repeated the same scripted " I do apologize but a letter was sent on XX/XX/XXXX. '' She finally stated that there was nothing she could do and Tranferred me to XXXX her supervisor. I was informed by XXXX that an overdraft fee would not be applied to the reversal but overdraft fees would be applied to the pending transactions in my account. She read my pending transactions, there are six. I asked XXXX how was it fair that I may be charged multiple overdraft fees when I was aware of my spending and what was in my account and now due to now due to a lack of communication from Chase I am being held accountable for their error. XXXX provided the same scripted " I do apologize '' and offered to transfer me to the business department for assistance with the overdraft fees. There are no overdraft fees I am trying to prevent them! I am looking at between $ XXXX {$130.00} in fees all because Chase stated they sent a letter which I never received!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX ; DEPT OF EDUCATION/XXXX XXXX ; DEPT OF EDUCATION/XXXX XXXX ; DEPT OF EDUCATION/XXXX XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; DEPT OF EDUCATION/XXXX XXXX ; DEPT OF EDUCATION/XXXX XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo forced me into a bad loan modification where they extended my mortgage term to 40 years. I will be about XXXX years old by the time I pay it off. I've complained to them over and over and they keep giving me the run around. Recently, they sold my mortgage to XXXX. Wells Fargo, however, is still responsible for the terms I'm now under. I have sent several letters to them and will attached the most recent letter here. This letter is my response to the last letter they sent me. On the back of it is their explanation of what they did. Essentially they state that " You signed it, here is the proof '' and never address the underlying issues that caused this mess.

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 2019-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
i was one of the clients of wells fargo bank that was given too many unneeded bank accounts by the same person who worked there. I made a complaint in XXXX and I was assigned a person to over look everything but they didn't help me, I try to get them to send me 3 yrs of bank statements so I can show them all the fees I was charged because all the unneeded bank accounts they set me up with. the same person that set me up with all the unneeded bank accounts she also added another person to my account in XXXX or XXXX the person was added was my ex girl friend ( XXXX XXXX ) it was only myself and my Mother before they added XXXX she was only supposed to be restricted to one account but the teller put her as head of the account, she added her through fax meaning she never had to go in the branch she had her sign paperwork to be placed on my account and had her fax it to her, by the teller doing this I never saw what she was giving her access to. the same teller that did all this is now a bank manager there now, come to find out this was fraudulent because the teller was supposed to have her come in the branch and fill paperwork out in front of her and myself so I can see what access my ex girlfriend ( Miss XXXX ) was going to have, by her adding her as head of the account my ex was able to order credit and debt cards with out my knowledge, I lost everything my business my house everything! I have to file for bankruptcy now. I know that wells Fargo got in trouble for letting there people that work there set people up with too many unneeded bank accounts. please have some call me so I can explain furred in more detail, my lawyer told me to contact you first because you guys can help me settle this with the bank asap. this ruined my whole life please help thanks

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 monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management
State: WV

Complaint narrative:
On XX/XX/2019 an account was added to my credit report by Amerifinancial Solutions in the amount of {$37.00} from 5 yrs prior. I didn't receive notice of right to dispute and have no knowledge of the account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
This debt was already investigated by all 3 credit reporting agencies and deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
XXXX gave an account to someone else using my cell phone number without verifying it or sending a confirmation. Ive been using XXXX for a while until someone tried to send me money and discovered someone else created an account with my cell phone. I called my bank, XXXX and they claimed they are not able to help because it it set up to receive money with another bank ( SunTrust ) of course I called suntrust and they are not able to much either. Meanwhile, someone else uses my phone to transfer money to his account. I reported this as fraud and nothin has been done about 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 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am in disagreement with the items listed on my credit report as having late payments..The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim. It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. 
XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: NY

Complaint narrative:
Someone stole my identity and started applying for things in my name.

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 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has once again, allowed a fraudulent account to appear on my credit file. This account was previously blocked as fraud. This account is still fraudulent. The Company is presenting a driver license that has a fraudulent address on it XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. The Creditor has been notified that this account is fraudulent many times. This account was opened from a thief. This fraudulent address is listed on my FTC Affidavit which I am attaching once again. There is no material mis representation as I am providing actual factual information. I have not lived at this address and have not ever received information at this address. The account for XXXX XXXX XXXX XXXX XXXX is fraudulent that was opened from a thief in XXXX of 2015. They were notified in XX/XX/2015, and this continues. This account shows a balance of {$3600.00} I have not ever authorized this account, I did not sign any account documents, I did not open a membership at this credit union, and I did not authorize any accounts to be opened in my name with their business. This line of credit is fraudulent. It was again opened from a thief using my identification documents, my SSN. Experian has already been made aware of the fraud that has taken place, and of the accounts that the fraudster has opened. This account is listed in my most recent copy of my identity theft affidavit which I am attaching. I am also attaching my drivers license which proves that I am providing accurate information clearly showing my address does not match what this business is providing. 

Fraudulent account not authorized that was opened from a thief that stole my identity. Thus why a fraud alert is on my credit file. Account # XXXX XXXX {$3600.00} charged off {$1800.00} Past due. Opened XX/XX/2015. By a thief that has stolen my identity. This account is FRAUDULENT AND WAS NOT AUTHORIZED. I want this account blocked immediately as the creditor has even accepted responsibility of the fraud. This was sent in a letter to my attorney agreeing they are providing a fraudulent address to the credit bureaus. This information is not accurate.

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 2019-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I called Wells Fargo on Monday XX/XX/XXXX to ask if my ex-husband could be removed from my credit card. The customer service representative said because I was the primary card holder and he was the secondary card holder I could have him removed. The customer service representative said I would just need to call the same phone number back and it could be done via telephone. 

On XX/XX/XXXX, based on the information I received, I entered into a written agreement with my ex-husband to remove his name from the credit card and be solely responsible for the debt. This agreement was following the judgement of divorce. 

On XX/XX/XXXX, I called the same customer service phone number back ( spoke to XXXX ) and asked for my ex-husband to be removed. I  was told he could not be removed. I explained that I had just called on Monday and was told he could. She apologized for the incorrect information I received but said it couldnt be done. I told her I entered into a contract with my ex-husband based on the information I received and this is unacceptable. 

XXXX transferred me to the Executive Office to voice my complaint. I spoke with XXXX who said she would assign me a case and case manager and they would review Mondays phone call, their options and get back to me within one business day. 

On XX/XX/XXXX, the Case Manager, XXXX, called from the Executive Office and said she was worry I received incorrect information but there was nothing they could do because it is against their policy to remove secondary card holders. I, again, explained the hat I entered into a contract with my ex-husband to assume that debt by removing him from the account and I was now bound to that. She told me there was nothing they could do. I asked if the call was reviewed and she essentially said no but would let the customer service manager know there could be a training concern. 

While I understand mistakes are made, it is completely unacceptable to provide blatant incorrect information that caused me to enter into a contract that I can no longer uphold. My ex-husband has said he will take me back to court/sue me for not following through on this agreement.

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 2019-06-10 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: CT

Complaint narrative:
I had hard inquiries that were not made by me on my credit report. They were : XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX I had no knowledge of these inquiries. 

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