vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had a upside down loan applied for a Making Home more affordable modification loan it took three modification the last one, they promise to take a XXXX XXXX XXXX  off but they put it at the end of the loan. They did not keep their agreement, this is Wells Fargo Mortgage Bank in XXXX XXXX IA. I now have been transfer to XXXX XXXX XXXX in XXXX of this year, who is charging me XXXX more dollars than wells Fargo. 
My Wells Fargo loan # XXXX the three modification dates : XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX LOAN # XXXX I need help I appreciate very much you helping me to get my money from both of these loan companies Thank You 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 2020-12-30 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: GA

Complaint narrative:
Hello, I am writing this letter regarding unknown accounts below in the report that suddenly from nowhere appeared in my credit report! Please take a look and make investigation as I do not not now the origins of these unknown items for me. Moreover, all of them are so visible in my report profile that I simply can not afford a loan. During Pandemic its very important for me. 
I do not recognize none of them and please delete them a I am for sure a victim of Identity theft.

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 2020-12-30 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: GA

Complaint narrative:
Hello, I am writing this letter regarding unknown accounts below in the report that suddenly from nowhere appeared in my credit report! Please take a look and make investigation as I do not not now the origins of these unknown items for me. Moreover, all of them are so visible in my report profile that I simply can not afford a loan. During Pandemic its very important for me. 
I do not recognize none of them and please delete them a I am for sure a victim of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Early on in my setting up my auto-pay of my student loan with Navient, I set an additional payment beyond the minimum amount. Navient had only applied that amount for a few payments and then stopped applying that additional amount. 
Additionally, my interest is very high ( 6.7 % ) and they will not lower it or refinance it at a lower rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: CITIBANK, N.A.
State: MD

Complaint narrative:
i have been trying to resolve this matter with this company Citibank for almost a year to no avail. 

My recent correspondence with them was as early as XX/XX/XXXX when i sent a letter and they received it XX/XX/XXXX but never responded. 
i sent them a fax to there dispute department XX/XX/XXXX no response. 

I have requested verification for this debt through an original contract bearing my names, signatures and any identification verifying my identity prior to them offering credit due to the inconsistency and misinformation being reported. 
under the fair debt collection i have the right to requests for contractual agreement between both parties if i believe there is misrepresentation in there reporting to the credit agencies. 

I have disputed this account with all the three credit bureaus to request the creditor to provide contract based documentation to me but they were not able to. 

Here attached you will find inconsistent dates this account was opened, high limits, credit limits, last payment, last active and last payment dates. 
and they are unwilling to provide to me documentation to verify this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: NJ

Complaint narrative:
On XX/XX/2020, I, Mr. XXXX pulled my credit report thru XXXX and after I went over I found out THREE accounts on it that I did not recognize. I started to do my own research with a friend of mine that I know he went into a similar situation and on XX/XX/2020, I went to filed an Identity Theft Police Report, on XX/XX/2020, I started my first dispute, after the second dispute, the other accounts were removed from my report ; as of todays date I have submitted my documents to the Credit Bureaus three times ; so, I am now taking an extra step to remove an alleged account with XXXX that is repeating TWICE on my XXXX  and EQUIFAX credit report. For reference, I am attaching a copy of my last dispute. This account is not mine and it is affecting me very much, I really hope that this time this account will be off from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: WV

Complaint narrative:
I paid off a loan with University Accounting Services In XXXX of 2020. When I paid I made an over payment of around {$270.00}. I have made several phone calls to the company, always getting the run around and different answers. I was originally told 45 days. It was then extended to 60 days. I was told the check was in the mail, then I was told there was no check and they didn't know what was going on. I am owed over {$270.00} from University Accounting Services due to over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
Due to Covid and unfortunate family circumstances, we held the car past the lease term ending XX/XX/2020, but continued to make monthly payments to show good faith that we were extending the lease. Never once was my payment rejected or returned for the next several months. GM issued an order of repossession in XX/XX/2020 to get the car back, but this repossession had nothing to do with a financial obligation. Our credit report indicates we owe a balance. As this was a lease with no payout due at the end of the lease term, there is no balance due, merely the car was to be returned and that is why GM supposedly " repossessed '' the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Premier Student Loan Center
State: GA

Complaint narrative:
Premier student loan services was supposed to help me with my student loan. After taking away from me for about a year and never heard from them again and I was wondering what happened to the company. After trying to reach the company I realize that the company is no longer in service. I want to know how can I get my money back I think Ive been scammed. This company did not notify me of any changes that they would no longer be in business, this company did not officially complete the services as provided, I most definitely feel scammed.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I try to apply for a loan and they will not fix my profile so I can sign the loan documents.Customer service keeps hanging up.

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 2020-12-30 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Mortgage loan obtained XXXX company has repeatedly send me emails about documents to sign. 
The bank send me a thank you for signing the documents I did not sign. I have not signed any documents after XXXX. 
I have repeatedly asked the bank to send me copies of these documents. 
The bank ended up sending me documents from XXXX and will not release anything else I asked documents that have been signed from XXXX and on and will not reply or send me the requested information. The cosigner and I are no longer together I believe she is forging my signature the bank is aware of our separation and will not release me any documents signed with my signature Unauthorized.

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 2020-12-30 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-30 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: TX

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Recovery Service Incorporated
State: AZ

Complaint narrative:
I was contacted regarding a debt that is not mine. I have no knowledge of this debt or of this company. I request immediate cease and desist of all communication

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
As an academic who has worked for both XXXX  and XXXX universities, I have had a need to keep bank accounts open overseas even though I am back in the XXXX. In order to pay bills incurred in the XXXX, I maintain a XXXX credit card. For several months I used my XXXX bank 's international money transfer service, but it was expensive ( up to 25 % of the funds I was sending ), so I switched to PayPal, using my XXXX-linked email to receive funds, and my XXXX one to send them. PayPal was aware that I had two accounts, in fact, it was their suggestion to resolve the international funds tranfer issue. 

In XXXX, I sent funds to my XXXX-linked email account and attempted to access my PayPal account and transfer the funds there to my XXXX bank where I was going to use them to pay the credit card bill. However, despite numerous attempts to clear security with PayPal, including providing the security codes they sent to my email, they insisted I was not authorised to access the account without use of a no-longer-in-use XXXX phone number. They offered NO alternative. 

I filed a formal complaint about the lack of access to my funds. They denied my claim, insisting that the funds had been delivered. THAT was never the issue, as my complaint made clear. Unfortunately, the complaint was made via their online portal and their emails don't seem to include the original text. 

I have replied to that denial, but as they didn't even bother to address the actual complaint I made, I am doubtful that any change will occur without outside influence. Meanwhile, there is over {$100.00} of my funds I can not access, which might not sound like much, but is quite significant in my life. 

At present, there are funds in a PayPal account that PayPal will not allow me to access, nor will they provide me with a refund of those funds. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-30 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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have overdraft protection YET the greedy Bank of America charged me 4 overdraft fees at {$35.00} each for a total of {$140.00} that put my account repeatedly in the negative and this generated yet more overdraft fees! 

To repeat, I have overdraft protection and so I should not have been charged overdraft fees of {$35.00} each!!!!!!!!!

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 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Protas, Spivok & Collins. LLC
State: MD

Complaint narrative:
On Saturday, XX/XX/2020, I checked my XXXX checking account that was at a XXXX dollar balance. I knew that the locations were closed, so I called a XXXX branch that following Monday, XX/XX/2020 to speak to a representative regarding the XXXX dollar balance. While speaking with the representative, I was relayed the information that a debt collector had put a legal hold on funds in my account in the amount of {$490.00}. I was then relayed the name of the law firm who placed the hold, Protas, Spivok, & Collins , LLC. According to the XXXX representative, the firm ordered the legal hold on my funds/ The XXXX representative told me to contact them at their primary corporate contact number ( XXXX ) XXXX ( public information ). Approximately two weeks later, I reached out to the law firm and reached the secretary. The secretary transferred me to a voicemail and I left a message pertaining to the hold and my contact information. I repeated this process approximately five times and never received a response. A friend of mine acting on my behalf also contacted the firm, and their phone call was returned. However, during that brief conversation, the attorney on the line said he could not release any information about the hold or the funds to myself or my friend, because the debt was not in my name and he was not authorized to disclose any other information. 

In summary : Funds are being held in my bank account for a debt that is knowingly not mine by the law firm, and I am being kept in the dark about the situation with no ability to relieve the debt or resolve the issue and release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: NV

Complaint narrative:
On XX/XX/XXXX, I spoke by phone with Experian, who ask for a re-investigation of the following hard inquiries : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX I placed a phone call to EXPERIAN at XXXX XXXX XXXX, on XX/XX/XXXX - I was told by XXXX XXXX team 'integrity ' that Experian will not due a re-investigation of unauthorized hard pull inquiries on my credit report. 

I then asked to be transferred to a supervisor. Initially, the supervisor did not identify himself, nor his team name. I asked him and he said " XXXX. '' After asking XXXX to repeat his team name, he Hung up on me, and ended the phone call. 

US CODE 15 STATES : ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph I asked for a re-investigation of the 4 hard inquiries above, based on 'unauthorized ' inquires and Experian refused. Experian stated that he will only re-investigate hard inquiries if 'fraud in the form of someone else using your social security number ' The US law does not state this exception - the law states ANY item on the credit report. Therefore, Experian is blatantly disregarding the law and is REFUSING re-investigation.

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 2020-12-30 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I already filed a compliant about Hyundai and how the incorrectly report a balance in XX/XX/XXXX and I requested information on how they got this incorrect balance in XXXX it was XXXX and XXXX there was balance. I wanted proof of this and they ignored my request. 

Now they are saying they are going to update the tradelines. THAT IS NOT WHAT I ASK FOR. This is their fault and now has been a year fighting with him to adjust this. I will not set back anymore and let them do what they want, I want the tradelines deleted COMPLETELY from my credit report XXXX 

I should not have to spend my time filing complaints after complaint all because they wont do their jobs right.

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