vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo bank allowed XXXX $ of UNAUTHORIZED CHARGES OUT OF MY ACCOUNT AND THEY REFUSE TO RETURN MY MONEY TO MY ACCOUNT! I CONTINUED TO SUPPLY DOCUMENTATION MULTIPLE TIMES AND ITS EXCUSE AFTER EXCUSE TRYING TO BLAME EVERYONE BUT THEMSELVES! IM SO TIRED OFBANKS THINKING THEY ARE EXEMPT FROM RULES AND REGULATIONS! WHEN ARE YOU GOING TO MAKE THESE COMPANIES ACCOUNTABLE FOR THEIR SHADEY ILLEGAL BEHAVIOR! I WANT MY MONEY BACK ASAP! XXXX XXXX XXXX XXXX DOLLARS IS ALOT OFMONEY! It has been over 6 MONTHS NOW AND THEY JUST KEEP PASSINGTHE ISSUE AROUND TO MULTIPLE ENDLESS PEOPLE AND OFFICES WITHIN WELLSFARGO BANK IN XXXX XXXX FLORIDA ON XXXX XXXX! please DO SOMETHING

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 2020-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
My mortgage loan is serviced with Loancare. I have been with them since XX/XX/XXXX. I have been watching my escrow balance since XX/XX/XXXX to make sure my property taxes were being paid. Called once to find out who pays the difference because my tax bill came in higher than I had escrowed for. After spending 20-30 minutes on hold, I hung up and decided to wait and check back in. Logged in and checked my account on XX/XX/XXXX and my escrow balance had not gone down at all indicating my taxes had not been paid in XXXX. Started calling and no one in the escrow dept can tell me why they weren't paid or when they will be paid. Today is the last day they can be paid without penalties and I am currently on hold with the company to listen to them tell me they are " escalating '' this. I have been told this since XX/XX/XXXX and today is the 6th time I am calling on this matter. I am now 39 minutes into the phone call, just placed on my 3rd hold because the escalation person I am now speaking with is going to move it up to a 2nd level escalation.

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 2020-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
My mortgage company ( AmeriHome ) sent me notice that my insurance policy was ending in 15days. I reached out to the insurance agent, who informed me that the mortgage company was billed for the insurance. 

Now I have reached out several times to the mortgage company to see what is going on and can not get any response. I emailed customer service, sent a message through their website, and I have called and never been able to reach an agent/person. 

This is the second time in which the mortgage company has been completely unresponsive during a serious and time sensitive issue, that has been caused due to their mishandling. What am I supposed to do if I have no possible way to contact the mortgage company at all, and they are responsible for having the issues taken care of?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: NC

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on USD/XXXX  partial account numbers ****XXXX-XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: AR

Complaint narrative:
I received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving this letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw a ton of accounts that I never open and three bankruptcy under my name. These accounts and bankruptcy 's are not mine. Please remove all these fraudulent accounts from my credit report. Thank you.

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 2020-02-07 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: AR

Complaint narrative:
I received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving this letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw a ton of accounts that I never open and three bankruptcy under my name. These accounts and bankruptcy 's are not mine. Please remove all these fraudulent accounts from my credit report. Thank you.

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 2020-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on USD/XXXX  partial account numbers ****XXXX-XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-02-07 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:
I downloaded XXXX  XXXX yesterday for the first time and I noticed had several accounts that didn't belong to me. So I decided to pull my report and notice two accounts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: OK

Complaint narrative:
i am a XXXX senior and was a victim of XXXX  and XXXX  XXXX on XX/XX/19. they stole all the money from my XXXX  direct express card. this caused me to be evicted because i didnt hav rent money and has snowballed to the point i am XXXX. the robbers took XXXX $ unauthorized. i have cooperated with law enforcement, the direct express fraud dpt. and the suspects were arrested with my dir, ex. card my id ... on their person. they are in jail i am awitness for the trial XXXX XXXX one was realeased on bond and and i on the XXXX  and woried they might retaliate plu this last 2 nights were the coldest of the year and im about froze. all the direct express people need to do is contact the XXXX okla police dpt or the XXXX county okla dist attys office my case is XXXX. the direct express fraus investion # XXXX the police have atm video of these robbers using my card even! dont refer me to anyone else ive contacted every senior victims assistance place etc.. and i cant even find a XXXX   XXXX  to stay in. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XXXX, Wells Fargo wrongfully repossessed the car. The exact payments were made to prevent repossession and they were made via XXXX XXXX. Wells Fargo Dealer Services confirmed receipt of the payment and confirmed the account was then current and no further action was required. A few days following, the car was repossessed from my employment. After speaking with Wells Fargo, they apologized for the repossession and said I had to pay to get it out. They confirmed that the car should have never been repossessed because they could see the payments were made. At this time, Wells Fargo Dealer Services was not cooperating and said I would have to pay the repo fee in order to get the car back. At this point, I sought an attorney. Within a few days, they were able to retrieve the car. The car should have never been repossessed nor should I had to hire an attorney to resolve. Lots of Money, time and energy wasted hit time was of the essence in retrieving the car in a timely fashion. Everything was then paid directly to Wells Fargo Dealer Services through the U.S. Bankruptcy Court Trustee-Case # XXXX. Upon looking at the credit reports, Wells Fargo has provided incorrect payment history, payments made and the amount past due. They have waited 3 years to provide incorrect information. Also being one of the victims that fall under the most recent class action lawsuit where Wells Fargo wrongfully added insurance on the car payments and extra interest, clearly further proves their integrity and dishonesty as a company!! There is no balance due for this account, nothing past due and no other collection activity should be listed on this account. I have attached the reportings and it shows payments were made in XXXX and they is INCORRECT!! Everything came from the trustee and needs to be corrected and or deleted. The trustee provided on time payments from XXXX XXXX. There is no past due amount Remaining. One report showed XXXX past due and now its XXXX the car was only XXXX and purchased back in 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 2020-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: IL

Complaint narrative:
The company AD ASTRA RECOVERY SERVICES has put a file on my credit report that i am unaware off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: VA

Complaint narrative:
On the day I received my Social security XXXX check I had a negative balance due to fraudulent charges with Comerica bank/direct express. I immediately filed disputes for over {$1200.00} dollars. After almost three weeks nothing is resolved and I have not even received a provisional credit which is my legal right to receive in 10 days from the date of dispute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-07 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: Tesla, Inc.
State: CA

Complaint narrative:
In XX/XX/2015 we had solar panels installed on our home via Solar City, who is now Tesla. Initially, we planned to purchase the equipment and signed a loan agreement with them. Prior to installation of the equipment we decided we only wanted to purchase the power from Solar City. We the signed a cancellation for the loan, then signed a My Power Agreement ( to purchase power only from Solar City for a period of 20 years ). Since that time, with both Solar City and now with Tesla, we have had continual issues with our account. It would seem that some of Tesla 's records indicate that we are under a loan contract with them, other records indicate that we only pay monthly power usage ( which is current ). We have never been able to resolve this issue. Now, Tesla has reported the outstanding loan to XXXX which has negatively impacted our credit. This is a huge issue for us as we are a small business that relies on a fluctuating line of credit. We need to get this resolved as quickly as possible. I have spoken with Tesla, numerous times, as recently as yesterday afternoon and was told by XXXX with the accounting department that they have every right to report us and that she would send an email on my behalf to their credit department who would make the decision on whether to help me or not. She simply does not understand, nor does anyone else seem to at Tesla. This is an urgent situation for our business. I have all copies of all supporting documentation available. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: CA

Complaint narrative:
I disputed a XXXX XXXX auto loan account and provided documentation of the lien release and title and Equifax fax reported after it was updated in XX/XX/XXXX. So they are still reporting it as I owe the debt. The account has been on my credit report since XX/XX/XXXX. Equifax refuses to actually dispute anything. They even told me that inquires cant be disputed even if they are fraudulent. They refuse to remove anything off my credit even when I provide documentation that the item is incorrect or has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Social Finance, Inc.
State: NY

Complaint narrative:
I applied for a loan XX/XX/XXXX and was denied XX/XX/XXXX due to my immigration status and with complete disregard to my credit earthiness and ability to meet Sofi 's other criteria for loan approval. 
XX/XX/XXXX - I called ( recorded the call ) and was told I should not even think of reapplying because I would not be considered for a loan if my immigrations status was the same. 
XX/XX/XXXX - I mailed a certified letter to Sofi regarding being discriminated against and have not heard back. 
Denying an individual the right to contract for a loan simply because they are not us citizens or residents is discriminatory under federal law and violates the civil rights act of 1866.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
After months in mandatory settlement conference, we received a trial modification agreement from XXXX XXXX, XXXX XXXX XXXX XXXX, owner of loan serviced by SN Servicing. The bank agreed to this trial modification at the settlement conference on XX/XX/XXXX and then again re-confirmed all details of trial modification requirements at settlement conference with court on XX/XX/XXXX. We have fully complied, paid agreed amount, the bank attorney and contract clearly states that bank demanded to escrow for taxes and forced place insurance, and we paid that extra money. BUT now attorney for XXXX XXXX is saying they will not pay the taxes, but still want us to pay them the funds for the taxes, and that we are required to pay the taxes directly to the country, in addition to paying them monthly for the taxes, or else they will put our house up for auction again. We have full complied, attorneys for XXXX XXXX took four weeks to get the agreed trail modification sent to us, despited the fact that all the details were agreed on XX/XX/XXXX, we only got final contract on XX/XX/XXXX, after several were sent with basic mistakes. We are in full compliance with trial modification contract we have made offers of partial cash offers, which have not been relayed by servicer to XXXX XXXX, they are now threatening to auction our home again, despited fact that we are fully compliant and paying them tax, the county taxes are not late as they have not paid them. When were were in foreclosure and they put our house up for auction last year, they apparently were not paying taxes, though they had filed with court to well our home. They wanted to sell our house, but did not wish to pay taxes. They never advised us they stopped paying taxes. In summary, we are paying taxes to them for escrow in our trail modifcication contract, which they requested, and is clearly stated in their contract, but they are not paying the country the taxes, and threatening to sell our home again, if we don't double-pay taxes. 

WE HAVE ASKED ATTORNEY SEVERAL TIMES FOR CLARITY ON ESCROW AMOUNT AND TAXES, AND WE ALSO HAVE ASKED WHY PARTIAL CASH OFFER WAS REJECTED. OR IF XXXX XXXX OWNER OF LOAN REVIEWED ALL APPRAISALS AND BOUNDARY DISPUTE LEGAL DOCUMENTS.

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 2020-02-07 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: IL

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX. A creditor ( XXXX XXXX XXXX  ) is still showing on my report 5 years later. Ive contacted them as soon as the bankruptcy was finalized. I faxed them the discharge letter and e-mailed it to them. But its still showing. 
On XX/XX/XXXX my bankruptcy attorneys sent an e-mail, a fax along as did I and its still showing on my report even though this was discharged as part of my bankruptcy Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TX

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix Financial Services violated the Fair Credit Reporting Act by not allowing me 180 days to make a payment on the account before reporting to the credit bureaus. They contacted me late XX/XX/XXXX to talk about settling the debt and payment arrangements which I was willing to do. I told them to contact me in XXXX to set up payment arrangements because I had just paid all my bills and I didn't have any money left. The woman agreed to contact me in XXXX. They never called. I called on XX/XX/XXXX because I noticed my credit report had a new collections account on it that significantly dropped my score. I spoke with two women who said it was their policy to report any collections account after 45 days which is totally against Fair Credit Reporting Act. This was something the First Lady never told me about. If she had, I would've tried everything to make that payment in order to protect my credit. Since they didn't allow me enough time to pay on the account, I believe they violated the applicable laws and regulations regarding debt collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation