vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am filing a complaint against Wells Fargo. Regarding a Checking Account that I closed at mostly my own request. Not due to Wells Fargo Closing the Checking Account without my consent! I closed the account, at least according the the last statement information. On XX/XX/XXXX. And the only amount that I had left as a balance, was {$0.00}. I originally filed a complaint with this organization, against Wells Fargo. On XX/XX/XXXX or XX/XX/XXXX. The Case Number was : XXXX. On XX/XX/XXXX I got a letter from Wells Fargo and they stated : " We respectfully decline your request for {$500.00} in compensation. My most recent correspondence from Wells Fargo was a letter Dated : XX/XX/XXXX, from the WELLS FARGO MEDIATION OFFICES. Why are they doing this? After I closed the checking account two years ago by now?? What is the actual purpose of sending me a letter that is for this Legal Cause. Subject : Mediation option / Wells Fargo Mediation Program Office? And what is more confusing than all of the information I have already discussed. Is why do the letter that is dated XX/XX/XXXX have stated CFPB Case # XXXX. And the letter Dated XX/XX/XXXX Have this information type of information, below the date line. And it says as follows : TRACKING NUMBER : XXXX, WELLS FARGO CASE NUMBER : XXXX. The actual factual and truthful purpose of the TRACKING NUMBER AND WELLS FARGO CASE NUMBER. Is actually near impossible for me to determine what is really means and why is notated!! On XX/XX/XXXX I mailed a form that is the Mediation Request Form, along with several pages of other documents, That were pertaining to the Mediation issue. I basically reminded them, that the account was closed on XX/XX/XXXX. And that, again I am aware that I was compensated {$8.00} on XX/XX/XXXX. And that the only monies I would like was a payment of {$61.00}. For the purpose of being reimbursed for the two overdraft / NSF Fees of {$35.00} x 2 = {$70.00}, And with me factoring in the Partial Credit of {$8.00}. Hence I decided a compensation of {$61.00} was fair. I hope all of this makes sense.

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 2018-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Fraudulent activity, identity theft, and compromised account following unauthorized charges of {$670.00} to a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
IN REGARDS TO : EXPERIAN XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I HAVE SENT IN NUMEROUS DISPUTE LETTERS AND EVEN CALLED ABOUT AN ACCOUNT THATS REPORTING ON MY CREDIT REPORT THAT IS NOT MINES AND IT KEEPS COMING BACK VERIFIED AS ACCURATE. WHEN I KNOW THIS IS NOT RIGHT. THE ADDRESS REPORTED ON MY CREDIT REPORT IS FRAUDULENT I HAVE NEVER LIVED IN TEXAS IN ALL MY 70 PLUS YEARS OF LIVING. HOW IS THIS POSSIBLE THAT THIS ADDRES IS REPORTED ON MY CREDIT REPORT? WHEN I HAVE DONE BEEN WITH THIS COMPANY EVER IN MY LIFE. EXPERIAN HAS BROKEN THE FCRA AND HAS NOT FOLLOWED THE LAWS SET BY THE FTC. I DEMAND TO SEE A ORIGINAL CONTRACT BEARING MY SIGNATURE!!!! 

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 originial Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to posititvely 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.

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 2018-12-08 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: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
IN REGARDS TO : XXXX XXXX. XXXX  XXXX XXXX TEXAS XXXX XXXX : XXXX. XXXX   XXXX XXXX PA XXXX I HAVE SENT IN NUMEROUS DISPUTE LETTERS AND EVEN CALLED ABOUT AN ACCOUNT THATS REPORTING ON MY CREDIT REPORT THAT IS NOT MINES AND IT KEEPS COMING BACK VERIFIED AS ACCURATE. WHEN I KNOW THIS IS NOT RIGHT. THE ADDRESS REPORTED ON MY CREDIT REPORT IS FRAUDULENT I HAVE NEVER LIVED IN TEXAS IN ALL MY XXXX  PLUS YEARS OF LIVING. HOW IS THIS POSSIBLE THAT THIS ADDRES IS REPORTED ON MY CREDIT REPORT? WHEN I HAVE DONE BEEN WITH THIS COMPANY EVER IN MY LIFE. XXXX HAS BROKEN THE FCRA AND HAS NOT FOLLOWED THE LAWS SET BY THE FTC. I DEMAND TO SEE A ORIGINAL CONTRACT BEARING MY SIGNATURE!!!!

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 originial Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to posititvely 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.

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 2018-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX XXXX   with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: Credit Technologies, Inc.
State: TX

Complaint narrative:
I received an Notification that my credit was Checked by XXXX XXXX on XX/XX/2018. I never gave consent or signed to have my credit pulled. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Previously, In XX/XX/XXXX, I disputed a collection account on my Experian credit report. 
Dispute # XXXX Experian notified me of the results of the dispute on XX/XX/XXXX. They deleted the collection account from the original debtor was XXXX XXXX but had been sold to XXXX XXXX   XXXX prior to the dispute. 
Account # XXXX This item was removed from your credit report. 
XXXX XXXX  First reported XX/XX/XXXX Sold to XXXX XXXX XXXX   Account Name XXXX XXXX Account Number XXXX Account Type Credit card Individual Responsibility Date Opened XX/XX/XXXX Closed {$220.00} written off Status Updated XX/XX/XXXX Monthly Payment {$0.00} Credit Limit {$200.00} High bal {$320.00} t was removed on XX/XX/XXXX. I was notified of this on XX/XX/XXXX and have attached to this complaint report # XXXX that shows they removed it. 

Now 60 days later it appears on my Experian credit report again. My issues are that this account was already removed from my credit report because of my previous dispute. In the dispute results report there is a section that shows my credit report " before '' the collection account was removed. It shows XXXX XXXX XXXX as the owners of this collection account. 
Account Number XXXX. 

This account was removed and then recently it reappeared on my credit report. 

Now the General Account Info is different but it is the same account. 
Account Name XXXX XXXX XXXX Account Number XXXX Acct Type : Debt Buyer Responsibility : Individual Date Opened XX/XX/XXXX Status : Collection acct. {$220.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$220.00} Bal Updated XX/XX/XXXX Recent Paymnt Amt $ XXXX  Monthly Payment {$0.00} Original Balance {$220.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Once again I request proof of this debt. I have already disputed this collection account reappearing on my credit report with Experian. The dispute number is Report # XXXX dated XX/XX/XXXX. 

I have requested proof of this debt and have not received any response. 

Get this removed from my credit report or give me proof of the debt

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 2018-12-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
XXXX XXXX XXXX contacted me and represented themselves as Navient, the original loan holder on XX/XX/2018 with the WRONG amount of my loans.

1. Total amount of loan was incorrect ; they supposedly 'double ' checked but they were correct.

2. I thought I was working with someone from NAVIENT, the lender. Now they documents they are sending me, show a different name as the COLLECTOR. 

Please help me, I will end up homeless. 

XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX  XXXX, OH 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 2018-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
They say due date is XX/XX/XXXX. You make a payment XX/XX/XXXX. That payment is not applied properly and they charge you late fees if you do not notice and do not call in time. 

They made PMI cancellation a nightmare and pretended that loan needs aging of one year and then two years LYING on the phone that it can not be done before that. Turns out that it can and they just cancelled PMI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: FL

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CarMax, Inc.
State: MA

Complaint narrative:
Dear Madam or Sir : I am writing to express my objection regarding my CarMax Auto Finance Account XXXX which shows negative marks ( late payments ) on my XXXX as well as XXXX credit reports. This account is Paid In Full and in Closed status, and yet, Car Max with no apparent motive other than punitive motivation, continues to report late payments to these credit agencies. I have in the past written Car Max to politely ask for a courtesy adjustment and I keep being rebuffed. It is perplexing to me why Car Max should  continue to engage in such punitive measures when in fact my account is Paid in Full and in Closed status. This is certainly not good business practice to punish consumers over past alleged late payments ( where such alleged late payments are from more than two years ago ) in their credit reporting practices when indeed I owe nothing currently to Car Max and in fact paid off my account in full to Car Max nearly two years before the loan maturity date. It is the failure of Car Max to act in good faith on this issue that compels me to write to the Consumer Financial Protection Bureau to put forward my objections regarding the inexplicable and punitive actions taken by Car Max. 

It is my contention that due to the fact that my account was Paid In Full and Closed well *before* the loan maturity date, that I have presented myself as a responsible consumer through my actions, and therefore I am entitled to injunctive relief from CarMax in the form of their deleting their reporting from the Transunion and Experian agencies. Otherwise, I think CarMax owes both myself and the Consumer Financial Protection Bureau a written explanation for their unfathomable and vindictive business proceedings in refusing to either remove ( alleged ) late payments from more than two years ago from my XXXX and XXXX reports or to delete my CarMax account from my XXXX and XXXX reports entirely. 

CarMax Auto Finance contact information is : CarMax Auto Finance Attn : Customer Service XXXX XXXX XXXX XXXX, GA XXXX I look forward to discovering how CarMax will resolve this matter, which, again, I have tried and failed to get them to resolve in the past. 

Sincerely Yours, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear Madam or Sir : I am writing to express my objection regarding my XXXX XXXX XXXX Account XXXX which shows negative marks ( late payments ) on my Transunion as well as XXXX credit reports. This account is Paid In Full and in Closed status, and yet, XXXX XXXX with no apparent motive other than punitive motivation, continues to report late payments to these credit agencies. I have in the past written XXXX XXXX to politely ask for a courtesy adjustment and I keep being rebuffed. It is perplexing to me why XXXX XXXX should continue to engage in such punitive measures when in fact my account is Paid in Full and in Closed status. This is certainly not good business practice to punish consumers over past alleged late payments ( where such alleged late payments are from more than two years ago ) in their credit reporting practices when indeed I owe nothing currently to XXXX XXXX and in fact paid off my account in full to XXXX XXXX nearly two years before the loan maturity date. It is the failure of XXXX XXXX to act in good faith on this issue that compels me to write to the Consumer Financial Protection Bureau to put forward my objections regarding the inexplicable and punitive actions taken by XXXX XXXX. 

It is my contention that due to the fact that my account was Paid In Full and Closed well *before* the loan maturity date, that I have presented myself as a responsible consumer through my actions, and therefore I am entitled to injunctive relief from XXXX in the form of their deleting their reporting from the Transunion and XXXX agencies. Otherwise, I think XXXX owes both myself and the Consumer Financial Protection Bureau a written explanation for their unfathomable and vindictive business proceedings in refusing to either remove ( alleged ) late payments from more than two years ago from my Transunion and XXXX reports or to delete my XXXX account from my Transunion and XXXX reports entirely. 

XXXX XXXX XXXX contact information is : XXXX XXXX XXXX XXXX : Customer Service XXXX XXXX XXXX XXXX, GA XXXX I look forward to discovering how XXXX will resolve this matter, which, again, I have tried and failed to get them to resolve in the past. 

Sincerely Yours, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MA 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 2018-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This has been an ongoing issue with Chase. All we want are our statements so that we can challenge some of the charges. They have been dragging their heels now for 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
As of Saturday, XX/XX/2018, I paid my XX/XX/XXXX payment on XX/XX/2018, I have called several times, but still not posted. Naviet said I owe them back fees fro. XX/XX/XXXX to date and along with XX/XX/XXXX {$10.00} flate fee, not true. All said back fees were paid with a Repayment Plan payment 6 months ago for {$250.00} Naviet will not split the fee and payment and credit me. My complaint is emotional harassment and frustratation about their deviance and unethical managing our student loans. I am filing to jump on board the different State Attorney Generals who are suing Naviet for their practices. Thanks XXXX XXXX, Naviet customer and XXXX Struggling Veteran paying my Student Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, 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 the 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: GA

Complaint narrative:
I have 31 inquiries on my credit report that was not authorized I have sent in letters to Equifax and they have not even investigated the matter at hand. I even have a fraud alert on my file to be contacted before extending credit and was not contacted about these inquiries

Company response to consumer: Closed with explanation