vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I as many times since XX/XX/XXXX to today XX/XX/XXXX asking for modification for my mortgage but the answers its bogs lol this time the reason is as the letter on the attachments, after carefully reviewing the info ... ... ... ... ... ... ..still do not meet the requirements for the loan modification, but the different this time did not add the reason in the decline later, because, this time i flow all the requirement as book, they have no reason at all to decline, i been told on the phone and i asked for the recording copy ( declined this request too ) the property is vacant, i send fax of my driver license and car registration and electric and gas bill for this property, LOL still decline. I START TO SEE CLEAR THE SITUATION IS XXXX AND HARASSMENT TO PUSH ME TO DO SHORT SALE TO GET READ OFF THIS MORTGAGE. I think not the time yet to get you to curt i will in the right time. 

Notes I didn't hide any info in the letter because i like people see the truth.

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 2019-04-17 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:
two inaccurate and fraud account are reporting under my name in my equifax credit reporting agency, these two account i have never had or applied. these are opened without my knowledge, i never approved.

i will be attached the FTC report and the police report that i had provided to equifax as well but they are not considering helping me at all, they have asked so many questions that it is so hard to go through their system. please help me out here, you are my last hope i do not have money to get a lawyer and followup. i need you r help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I called this company to get information as to why they are reporting on my credit report. they could not give me an answer but simply mailed me a letter to my home address. I have never done business with the company when I called I asked for proof of what I owe. the letter has none of such. 

the only specification is delinquent utility bill from XX/XX/14- I have not had a utility bill in my name in 2014. 

I attached a copy of the letter and my tax return to show proof of my address

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: WA

Complaint narrative:
Wells Fargo Dealer Services is showing an account ( XXXX**** ) with a last active date of ( incorrect - fraudulently ) XX/XX/XXXX. They aren't reporting any payment history, either, and have not responded to my many requests for verification of their invalid dates - given that I have shown them the last activity made was in XX/XX/XXXX with my canceled checks from their bank and their repossession documentation they sent, meaning the statute of limitations for both debt collection as well as credit reporting expired in XXXX, XXXX. I made many attempts to work with them after they sold the care for less than pennies on the dollar back in XXXX, and since, but they are an immovable object. Even now, when they are clearly in violation of the statute of limitations, they continue to act in their best interest, no matter the consequences to me and my family. I would appreciate if you could get this item removed from my three credit reports, as it should have been three months ago, and have WFDS cease and desist all collection activity on this account. 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 2019-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
My father can not handle his affairs due to being placed in a nursing home. I am an authorized user on his account. The account is frozen due to some identity problems and I have sent a P.O.A to Capital One to pay this bill in full and close this account. On XX/XX/2019, I sent the P.O.A and pertinent info they requested by fax. In the meantime I have had numerous conversations with them to pay this account. They refuse to send the monthly bill, have denied me online access and tell me I can make a payment by naming an amount to pay. They will not tell me the balance or anything else. 

I received a letter dated XX/XX/XXXX, that the have deemed my POA not valid because they added more stipulations that were not stated before. Also it takes them weeks to review a POA. Now they are stating they need to know my citizenship, if I am a resident of US and what my yearly salary is and where I work. This is not what makes a POA invalid. I am retired, does that preclude me from acting on my fathers behalf. 

I have it on record by them refusing to allow me to pay off this account, that the account will go into default for nonpayment. This is a tactic now by the bank to stall so that interest and penalties are accrued on this account. 

I want access to this account without delay and close this account permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
NAVIENT is intentionally delaying the approval of income-based payment plan application forcing me to repeatedly ask for administrative forbearance. 

After submitting my application electronically in XX/XX/2019 I was asked to provide proof of income which I did in XXXX. Then I was told it was missing a date which I included and resubmitted. After this was called several times to check on the status and I was told to just wait and that the proof of income I provided was sufficient. When I called today, XX/XX/2019 -- only four days away from the due date of an over {$600.00} payment ( which I can NOT pay ), they told me that I have to submit a signed letter stating my gross monthly income. The proof of income I previously submitted already has that information yet they ask for a letter and offer to push to payment due date or put me in forbearance for a third or fourth time. Even if I send in this letter, the processing time is 17 days which means it would be far beyond the payment due date by the time it is processed even if it is accepted. They did not ask me for a letter the previous two times and waited until I had no time left to force my hand into forbearance or a missed payment. 

I asked them where I can file a complaint but said there is no phone number for such a service. I also look online but no such page exists on their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ASTA FUNDING INC.
State: MI

Complaint narrative:
The debt collection agency is name XXXX XXXX XXXX, who also hired another company name XXXX XXXX XXXX XXXX XXXX. The companies are trying to collect money from me for a account with XXXX XXXX XXXX XXXX which I do not have. The collection companies can not and have not provided me with documentation of this account. I contacted XXXX XXXX XXXX XXXXXXXX about this matter, which I am a current customer and have been for awhile and was told I have no past due or a old account with them. The collection company has sent me court papers trying to collect money from bank accounts and other means. They also sent me a thing full of papers asking for copies of private information that I am not going to send them. I have contacted this company a few times about this matter and still yet havent been resolved.

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 2019-04-17 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:
Transunion is reporting incorrectly that I am 30 days past due on XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see pages 14 and 15 of the attached credit report. )  These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
On XX/XX/2019, I have received an alert from XXXX  that an account has been flagged as collections. The account was an old XXXX XXXX account. Previously, XXXX XXXX sent the account to another agency that was not authorized in the State of Florida. The company SECURITY CREDIT SERVICES placed account # XXXX on my report. The company, SECURITY CREDIT SERVICES did not notify me of the debt. I have checked my credit report consistently,  and have never seen them until XX/XX/2019. I have also checked the US Postal Mail, and have not received any form of communication. According to the Fair Debt Collection Practices Act, a collector has to send you a written " Validation notice '' within five days of first contacting you. The notice has to state : How much money I owe, the name of the creditor I owe it too, and what to do if I do not think it is my debt. SECURITY CREDIT SERVICES has not done what they are required to do. They never sent any form of communication before they placed the debt in my file. They did not provide notice for me to dispute the debt or any portion thereof. 
*Collection Agency is on Page 55 of the credit report obtained from XXXX*

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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:
one XXXX XXXX account is reporting under my equifax credit reporting agency as fraud. this account i had never opened nor given authorization to have someone open this account, please have equifax to have this fraud account remove from their data base since they are not helpful at all. 
this is not mine and was opened with out my knowledge, XXXX   XXXX even has a different address on file and reporting inaccurately. i will be awaiting for your response thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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:
one XXXX XXXX  account is reporting under my equifax credit reporting agency as fraud. this account i had never opened nor given authorization to have someone open this account, please have equifax to have this fraud account remove from their data base since they are not helpful at all. 
this is not mine and was opened with out my knowledge, XXXX XXXX  even has a different address on file and reporting inaccurately. i will be awaiting for your response thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: CA

Complaint narrative:
Today I was at XXXX inquiring about purchasing some kids watches, not financing, and the girl behind the counter said she needed my ssn to price out ( as a quote, not sale ) how much per month they would charge us for service for the watches. She assured me there would be no credit check, it was just for reference BUT 10min later XXXX XXXX alerted me that I had a hard credit inquiry on my Equifax account. I did not authorize that to happen and want it removed please!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I opened an account with Paypal, to be able to accept payments from XXXX. After I was verified, I linked my bank account, which was verified as well. A couple of the transactions went through to my account, but the last purchase that I was paid for, PayPal decided to hold funds hostage. In addition to that, one of the buyers wanted to return merchandise purchased on XXXX, and a full amount of that transaction was frozen by XXXX, which took my positive {$110.00} balance to a negative {$190.00}. Even so PayPal was spun off from XXXX, they still work together to steal money from customers on regular basis. Once the money is frozen, customer has no ability to make a refund, unless personal funds are added to the account to double the amount of merchandise sold. If XXXX refunds the client, then removes the freeze to get their money back, they keep the final value fees and PayPal keeps the transaction fees in full. 
In the last two days, I have tried to transfer funds from XXXX XXXX, to be able to make a refund on my own, to avoid the fees that both companies would attempt to steal, but PayPal claims that my bank rejected the transfer. I called XXXXXXXX XXXX three times, even as a conference call with PayPal, when they stated that they have no record of rejection or even any attempt of the transfer. This is exactly what happened to my husband, when PayPal was claiming that XXXX rejected his transfer, but XXXX had no record of any attempts from PayPal. Both companies commit fraud on a daily basis, stealing funds from customers to improve their margins. Just because no one has started a class action suit against them does not mean that they should be allowed to do anything they want, and transfer funds only when they see it fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I have a loan serviced by Specialized Loan servicing and have tried for 3 months to get a hardship modification. After providing exhaustive documentation supporting my curent financial difficulties and after spending countless hours providing documentation, they then told me they are not authorized to negotiate. I have another home that my ex wife lives in and that company provided a hardship modification without issue. I am extremely upset with the run around and need help and they have been giving me a run around. I then went through there 2nd party review and have been ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a request to Equifax, asking them to correct mistakes on my credit report. They were supposed to respond within thirty days, but I haven't heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Submitted a dispute for an ongoing issue with XXXX XXXX XXXX XXXX, who is incorrectly reporting, and requested to have it looked into. I contacted Equifax and XXXX, using their online dispute systems. Equifax said my results were ready, and gave me a link to their website to check the status. I have gone back periodically for the last 2 weeks and the system has been down. I spoke with Equifax technical support and they knew of the issue and would not tell me when to check it. I called Equifax 's customer service and they asked me to verify my identity with information I could not have ( My major credit cards and their monthly payments ) and would not help me until I verified this information. I asked for the dispute information to be mailed, but they insisted it had to be in writing. I believe Equifax is making it so difficult to get or view your dispute and credit information that it is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2019, I reached out to Experian regarding an account on my credit. The name of this account is XXXX-XXXX. I asked for Experian to validate this account and provide their proof of the original signed contract that they claim that I have with this company. According to the Fair Credit Reporting Act Section 609 a1a it clearly states that the Credit Reporting Agencies are required to show proof via an original signed contract. I have requested for Experian to show me proof of the original signed contract proving that I agreed to pay this company any money and if they are not able to do that I requested that the entry be removed and deleted from my credit reports. 

It is now XX/XX/2019, and I have not seen any documents from Experian which produce the alleged signed original contract from XXXX XXXX. I only have received letters from Experian stated that this account was " verified as accurate ''. I have asked them to show me how it was verified according to the Fair Credit Reporting act they are required to show me proof on how they verified the information. Experian has not provided me with this information. I will request that a fair resolution will be to remove this account completely from my credit file.

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 2019-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2019 CitiCards closed my credit card that I've had for over 13 years without warning or notification. 

I called and spoke with their customer service team and they let me know that since I hadn't used the card for two years their policy is close the card. 

They would only let me reapply by running my credit again to open a new card, but they gave me no reassurance that it would be the exact same account number. 

It made no sense to me why they couldn't accommodate my request to just reopen the same card.

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 2019-04-17 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: MA

Complaint narrative:
I have been misled and misinformed about the forbearance and deferment of my Navient student loans. My original principles on my loans have SKYROCKETED from $ XXXX to $ XXXX and from {$8600.00} to $ XXXX. 

That's approx. {$11000.00} that has accrued on top of my original principal. 

I have been unemployed on and off for the better part of 5 years. I have notified Navient several times and have even applied for loan discharge and wasn't properly notified about how to best go about this. 

This is highway robbery in an already convoluted industry that is stealing students ' money who can not afford to repay their loans in an affordable or otherwise pragmatic manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Notice of fraud violation of the consent agreement compliance and XXXX signed by the XXXX attorney general  and all other states AGs using forgery assignment robo-signed by XXXX XXXX which was exposed publicly and specifically in my XXXX wrongful foreclosure case no. 
XXXX that was included in XXXX  and for which I was awarded {$500.00} for foreclosure violations specifically this forgery robo-signed assignment, and the robo-signed notice of default by XXXX XXXX, also publicly exposed and also included in the XXXX and consent agreement, by : Attorney XXXX XXXX of XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX and Attorney XXXX XXXX of XXXX XXXX XXXX of XXXX that physically and electronically submitted this fraudulent rob-signed forgery assignment accross state lines to the XXXX Supreme Court in their Appellee Brief to my case no. XXXX dated XX/XX/XXXX as the main item to support their authority to wrongfully foreclose for the 4th time since XXXX on my home of 17 years. 

And they also physically and electronically submitted this same forgery robo-signed false assignment across state lines to the XXXX Bankruptcy Court case no.XXXX on XX/XX/XXXX as their main support for their motion to lift stay so they can wrongfully foreclose for the 4th time on my home of 17 years.

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