vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Original Creditor XXXX XXXX sold the debt for a studio lease to National Credit Systems after they changed management companies. National Credit Systems added three tradelines worth of debt on three credit bureaus without proof and incorrect amounts and account numbers. Only one discrepancy  remains on Equifax and they 've refused to remove the last discrepancy because it 's due to expire in XX/XX/XXXX, the seven year mark, however it 's not fair and I 've been battling this for a long time over 3  years in credit repair. This is unjustifiable that three tradelines with inaccurate information were added to three credit bureaus and the only excuse they can provide is it 's due to expire in XX/XX/XXXX, I think I 've suffered enough injustice. Please look into this. Thanks.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: GU

Complaint narrative:
I review the Complaint. XXXX. I apologize that the Last for digit of s.s. is XXXX not XXXX, or XXXX. Please corrected. 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 non-monetary relief
Consumer complaint received 2017-07-31 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: ND

Complaint narrative:
I am a victim of identity theft. Someone opened two fraudulent and unauthorized personal loan accounts using my personal information. The fraudulent accounts do n't belong to me. The fraudulent accounts is showing on my XXXX XXXX, Equifax and XXXX credit report. I have never applied for a personal loan. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, Loan Number : XXXX and XXXX By XXXX XXXX, Loan Number : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I have never lived at the above address. The following credit inquiry is fraudulent and unauthorized : XXXX  XXXX, XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Well we purchased our home in 2007. We ran into financial issues and called Wells Fargo for assistance. They told us of a loan modification program. They said in order to qualify we would have to be behind in our mortgage. We were current at the time but knew we would be falling behind. With that in mind they encouraged us to fall behind ( so we did prematurely ) then called in as instructed. They stated to pay a certain amount which was less than 700 dollars for about 6 months ( along with a financial hardship document with our debt to income information ) and at the end of that they would have a proper mortgage payment for us ( well address it ). We paid that for months half way through the process we received letters talking about our mortgage being behind. We called on several occasions that it was nothing it is just customary to receive those during those times. Well the 6 months ended and they stated they couldnt provide us of new terms yet. They did and set us up for another 6 months shortly after we started the new program we had a Sheriff knock at the door stating we should get out of the house. We were completely blindsided and we were in foreclosure and they stated we werent. They lied about everything. I have everything recorded from my phone that I have transferred over started recording after we started getting the foreclosure letters and they stated everything was fine. What really sucks is that we had to pay an attorney in XXXX who acted on the behalf of Wells Fargo to get the house out of foreclosure which was never really in that process ( according to what they said ). 60 percent of what we paid were attorney fees and Wells Fargo fees. We pulled from our 401 k got penalties there and during the process our credit was run through the mud all of our interest rates went up and closed accounts. I would have never gone down that route if they didnt push me to do it. That process ending up costing us a lot. What is funny when I called the on it they completely removed any record of this on their books. When I asked for a statement they sent me everything but when I was on the program. It is almost like they were trying to cover it up. Wells Fargo should at least give me back my attorney fees for their false process. The measly XXXX the government forced them to pay last year does n't cover the other XXXX in attorney fees. Pain and suffering should be thought of too. I have all of the documents and recordings of Wells Fargo just did n't upload them want to see what can be done first. I have submitted this before they are not telling the truth about what they did and their process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I sent my student loan payoff amount in the form of checks to NAVIENT. I sent 9 checks to repay my student loan with an overage amount because I refinanced and the title company made them out for a previous month 's payoff. I instructed them on how to apply and its over a month and they have only applied two small checks. I 've called multiple times and they keep telling me to check online. All the checks were in the same envelope and I do n't understand why they ca n't apply my full payment even after multiple calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: ND

Complaint narrative:
I am a victim of identity theft. Someone opened two fraudulent and unauthorized personal loan accounts using my personal information. The fraudulent accounts do n't belong to me. The fraudulent accounts is showing on my Trans Union, XXXX and XXXX credit report. I have never applied for a personal loan. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, Loan Number : XXXX and XXXX By XXXX XXXX, Loan Number : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I have never lived at the above address. The following credit inquiry is fraudulent and unauthorized : XXXX  XXXX, XX/XX/2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: ND

Complaint narrative:
I am a victim of identity theft. Someone opened two fraudulent and unauthorized personal loan accounts using my personal information. The fraudulent accounts do n't belong to me. The fraudulent accounts is showing on my XXXX XXXX, XXXX and Experian credit report. I have never applied for a personal loan. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, Loan Number : XXXX and XXXX By XXXX XXXX, Loan Number : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I have never lived at the above address. The following credit inquiry is fraudulent and unauthorized : XXXX  XXXX, XX/XX/2017.

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 2017-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
Spoke with XXXX XXXX Account # XXXX, he stated that this account would be deleted immediately. I informed him that I did not owe XXXX XXXX XXXX any money. The equipment that he was trying to collect on was stolen. Asked him for the phone number to a contact person at XXXX XXXX XXXX, so that I could resolve this issue with them. He refused to give me that information. He stated that he could offer a settlement amount. Not sure how ERC would try to settle on equipment that was stolen. Asked multiple times for information for original creditor, so that we could contact. He refused. He said that he would open a dispute and have this deleted from all 3 credit bureaus immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My bank is n't working with XXXX app

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: LA

Complaint narrative:
After reviewing the new law which became effective XXXX XXXX, 2017 and public record data must include the name and address as well as a social security number or date of birth in order for it to appear in my credit file. The Credit Bureaus have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
On X/XX/17 I disputed a collection with diversified consultants. Diversified Consultants stated they would delete information from all credit bureaus and update my credit. I, Also asked for verification of this debt from diversified Consultants and as of the day I have n't received verification, I also checked with my local post office and they said I 've never received mail from Diversified Consultants. Diversified Consultants are in violation of the FCRA. Diversified Consultants has already deleted the account from XXXX, but still needs to delete from XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: LA

Complaint narrative:
After reviewing the new law which became effective XXXX XXXX, 2017 and public record data must include the name and address as well as a social security number or date of birth in order for it to appear in my credit file. The Credit Bureaus have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: MIDCOUNTRY FINANCIAL CORP
State: NC

Complaint narrative:
XXXX XXXX {$5000.00} Under the Soldiers and Sailors Civil Relief Act I contacted XXXX XXXX in  XXXX 2012 to notify them I was going on a XXXX and submitted the regard documents. The company fail to honor my contract under the Soldiers and Sailors Civil Relief Act while being XXXX to XXXX and the clause of the contract that I paid extra fees in case I got injured. I got injured in XXXX and the company fail to honor the clause of the contract as well. As a veteran I contacted to the company to retrieve some information about my account and why they did n't honor the Soldiers and Sailors Civil Relief Act as well the clause of the contract and someone hung the phone up on me. This company continue to this day to report false information on my credit reporting file as a charge off causing me financial difficulties. XXXX XXXX {$0.00} Under Soldiers and Sailors Civil Relief Act XXXX XXXX also fail to suspend my account while serving in XXXX that led to additional charges that we made on my account without being notified. I file a complaint with the BBB and the XXXX XXXX. stated to me that they have no record of me coming into there establishment to cancel my account and that they normal shred the documents the same day. I stated to the rep. I came me as customer and submitted the proper documents why should I be held accountable and not your rep. He simply stated to me that it 's not his business fault it 's mines and send him a copy of my orders. I simply responding by saying " You let fraudulent activity continue on my account for numerous months and fail to reach out to me but soon I come home from a 12 month XXXX I have a bill that 's in collection from XXXX XXXX '' after I came into your establishment and provided the proper documentation. Now I have to contact the XXXX XXXX XXXX and track down some orders from 5 years ago. I do n't think that 's fair for any service member that 's serving overseas to come home and receive a letter stating you owe and debt that you were n't aware of when you simply done the right thing. I paid the account and brought it to a XXXX balance in order to close on my home because, I did n't want this to affect my credit file but I want XXXX to remove this from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
After many attempts to validate this debt with Portfolio Recovery Associates, I decided to pay off the debt with the agreement that they would DELETE the paid collection from all three reporting credit bureaus. The debt has been marked Paid, but not deleted as requested and discussed per my agreement to pay it in full ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31 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: IL

Complaint narrative:
XXXX REFUSE TO TAKE INFORMATION THAT DOESNT BELONG TO ME OFF MY CREDIT REPORT I HAVE SENT PROOF OF MY CURRENT ADRESS AND CURRENT MAIL PROOF OF DRIVERS LICENSE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MI

Complaint narrative:
My mother is XXXX XXXX and she signed up for a loan not knowing the APR rate for the loan. I have called Big Picure Loans numerous times for weeks, they stated that they would send me an email to update and pay account off and never did. They also refused to help me pay off my mother 's loan in full. This company is extremely predatory and almost impossible to untangle with. I just want to pay the loan off and move on. They do not accept anything except direct bank deposits. After hearing very negative reviews, I am nervous to share any of my personal information. I do n't want this company to have access to anything of mine. The physical head quarters is located in the XXXX XXXX of MI which is extremely hard to get to to dispute in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Opened a Wells Fargo Everyday Checking account on XXXX XXXX, 2017. Account had a {$250.00} bonus as long as one of the two following conditions were fulfilled : Within 60 days of account opening, either make 10 purchases/payments with your Wells Fargo Debit Card or establish a qualifying Direct Deposit of an accumulated {$500.00} or more to the consumer checking account opened for this bonus offer. WF claims " We will deposit the bonus into your new checking account within 45 days after eligibility and qualifications have been met. '' I made a direct deposit on XX/XX/XXXX and completed 10 debit purchases on XX/XX/XXXX, which cleared by XX/XX/XXXX. It is XX/XX/XXXX, 100+ days after first completing the requirements, and I have not received the bonus. I have attached my opening email and a statement from XX/XX/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 monetary relief
Consumer complaint received 2017-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I purchased furniture for delivery at a later date, which I never received. The seller obviously cheated me, and I reached out to my Barclays Card company to apply for charge back. They applied charge back, but refunded the money to seller after 4 months, saying they have the proof of purchase. But I told them the items are never received, nor there is a proof of delivery. Since they messed up the transaction, they are trying to cover it up with different legal terms. I need help!!!
I asked those terms in writing, but they deny giving it to me in writing. After few months, they stopped even responding to my letters.
After a year, I finally saved some money to buy furniture again. But I Lost money, no merchandise, and Barclays messed up my credit history and peace of mind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: CA

Complaint narrative:
XXXX inquiries due to fraud appeared in my Equifax report XXXX  and XXXX of XXXX. I contacted the bank in question and notified them of the fraud. They immediately closed the account and mailed paperwork confirming the events. They also notified the credit reporters to remove the inquiries. Finally, I submitted a fraud alert with Equifax XX/XX/XXXX.
90 days passed.
I submitted a dispute XX/XX/XXXX with Equifax because the inquiries remain.
90 days passed.
I received no response from that dispute. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX. I received the same generic responses that the fact an inquiry happened, despite being fraud, validated its reporting.
I contacted XXXX again and they verified the events of the first call and that they would remove the inquiries. XXXX again sent me a letter of verification, and again contacted Equifax asking them to remove the inquiries.
90 days passed.
It has been almost a year. The inquiries remain. Trying to submit another dispute now results in an error on their website. Emails to contact links are bounced back. These problems needs to be fixed.

Company response to consumer: Closed with explanation