vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Loan #  XXXX  Lender :  Wells Fargo Address:  XXXX   XXXX   XXXX ,  XXXX   ,  MD  XXXX .   I applied for loan modification f or over 15 times, at my count, and Wells Fargo denied them all. The last loan modification was denied on the ground that I was financially sound. I suspected it was a pretext. I called Wells Fargo and offered to make payments, since they determined that I was financially viable, and I am. They r efused to take my payment. I protested and asserted that it was not a ground for denial of loan modification.  XXXX   XXXX  whom I spoke with said that I was denied because I had equity in my home. I protested again, asserting it was  not a lawful ground to deny modification. WF said I had one option, namely, to short sale my house. WF had no intention of giving me loan modification, even though they were bailed out with taxpayer funds during the housing crisis and they used the money to buy Wachovia, which was how WF acquired my loan. WF manipulated interest rates, failed to credit my payments, canceled my low-rate insurance and forced one on me with high premium in which they were paid kicks. WF refused to acknowled ge my hardships ranging from my sons debilitating illnesses, my wifes illness, my daughters death, my  XXXX  income as a   XXXX    from  XXXX  to  XXXX , so that they would not forgive the delinquency, give me a rate down, give me principal reduction, forbearance, etc. The evidence of using equity to deny loan modification is demonstrated in the attachment.

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 2017-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America charged me an overdraft fee for the account being overdrawn by couple of dollars. They charged a hefty {$35.00} for that.     Usually other banks do n't charge you such overdraft fee if the account is withdrawn by {$5.00} or less. This is definitely deceiving.     The other thing is that it did n't even show any negative balance so I can go and deposit some funds to cover this overdraft. I had  an   XXXX   XXXX    Credit Card charge of {$4.00} and another restaurant charge ( was still pending final amount ). Once those  XXXX  charges have posted, I was hit by an overdraft overnight. It usually shows a negative number ( marke d in Red ), and this gives the chance for me to go and deposit some money to bring that number back to positive.      On the other hand, my account cut off time is  XXXX   XXXX  ET ( While I am living in California ). This should be always  Pacific Time a ccording to my residence. So Whenever I need to protect myself from account overdraft, I always have to think of Eastern Time which is  3 hrs ahead of Pacific Time. ( While I am living in California ). Its definitely frustrating.

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 2017-06-13 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: TX

Complaint narrative:
TRANS UNION I S USEDING THIRD PARTY COMPANIES TO OBTAIN INFORMATION ON MY CREDIT REPORT WHICH IS A VIOLATIONS OF FCR A I MAY BE  ABLE TO SUE IN STATE OR FEDERAL COURT #  XXXX    XXXX   XXXX   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 non-monetary relief
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MISSION FINANCIAL SERVICES CORPORATION
State: NV

Complaint narrative:
Mission Financial keeps upd ating my credit report with different new amounts from what the debt actually is and the last balance that was due to them in     XXXX  w as {$2100.00} now it has impacted my credit report that this company keeps updating these ridiculous amounts and they keep updating with  XXXX  accounts on my credit file and I tried disputing this   XXXX   times with the credit bureaus (  XXXX   &  XXXX  ) a nd to no avail has anything changed so I am attaching what they are reporting twice on both credit bureaus and also this debt is ove r 7 years old a nd I can not understand why do they keep updating my credit profile and changing the amount due. I have attached and updated reports of this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Collection Agency   XXXX ,  XXXX   XXXX   XXXX  representing themselves as LAW OFFICES representing BARCLAYS BANK DELAWARE. Creditor Claims they could not locate me. I have lived here for 10 years. This bill was paid off in  XXXX   XXXX . The company had previously changed names from  XXXX  to Barclays. I have bank statements showing final payment of {$200.00} in  XXXX  of  XXXX . No other bills were received after that date because the account was closed at my request in  XXXX  of  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 2017-06-13 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: MA

Complaint narrative:
I obtained an educational loan through  XXXX   XXXX   XXXX   XXXX  (   XXXX   ) in  XXXX . The loan was administered by  XXXX   XXXX .     Following my retirement at the end of  XXXX   XXXX , I received only one bill from  XXXX   XXXX , for  XXXX   XXXX . I received no more bills from them thereafter, believing the loan to be paid off after 4 years. In  XXXX  of  XXXX , I discovered that  XXXX   XXXX  had submitted negative remarks to my credit records. I contacted  XXXX    XXXX   and arranged to bring the account up to date, which I did immediately.  XXXX   XXXX  claimed their bills were returned, and phone calls unanswered. However, I had not changed my address during the prior 21 years, and received no phone calls or messages from them. In addition, a test letter generated by  XXXX    XXXX   reached me successfully.  XXXX    XXXX   agreed to correct my credit records, acknowledging that  XXXX   XXXX  had caused the delays in payment by not providing timely billing.     Since that time, I have had my credit record cleared with other agencies.  XXXX   XXXX  claims they have contacted TransUnion multiple times ( see attached ), but no correction has been made.     I paid off the loan in full in  XXXX   XXXX , after receiving a report from TransUnion showing no adverse reports.     On  XXXX   XXXX ,  XXXX , I received a notification of my  XXXX  score from a loan application, and accessed my credit report from TransUnion due to the lower than expected score. The report is again showing the adverse report from the educational loan.      XXXX    XXXX   and I have exhausted our ability to clear this record.

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 2017-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Windham Professionals, Inc.
State: MI

Complaint narrative:
I started paying windham professionals {$25.00} then increased it to {$50.00} for a debt held by XXXX  university. The debt when I started was XXXX estimates since starting paying the balance as of today is XXXX. I 've paid them more then that.

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 2017-06-13 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: DC

Complaint narrative:
In  XXXX   XXXX , I noticed a collection account on all three of my credit reports. The tradeline was for a telecom account at an address in a state I do n't live in. I contacted the company and discovered the account was indeed attached to my name and social security number, but I never opened this account.     In fact, when the account entered delinquent status, I was currently in a contract with the same telecom company but in  XXXX  -- my place of residence. I filed disputes with Equifax,  XXXX  and  XXXX  and included my current  XXXX  contract and government issued ID. Both of these documents provided proof of address and length of residency.       XXXX   and  XXXX  immediately removed the account, b ut two ye ars later, I am still battling with Equifax. I tried again in  XXXX  of  XXXX  and  XXXX   XXXX . Each time Equifax claims they have determined the account belongs to me. I am now fully convinced that they simply matched my name and social as " verification '' and that was as far as the investigation went. They never explain how they came to that conclusion or why they believe I should be held liable for an account in my name that I did not open.     Thank you so much for all the hard work you folks at the CFPB do on behalf of all Americans. You guys are fighting the good fight!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
In  XXXX  of  XXXX  I pulled my credit report and found t hat Dept. of  Education/ XXXX  was reporting my account as 90 days pat due in  XXXX . This is inaccurate- even on their own page it shows I only did not pay 1 month and that was deferred  while my income based repayment plan application processed. On the Credit reports it shows the month prior to that month the account is in good standing and the month after is in good standing as well. I first sent a good will letter requesting the information be correctly updated- sent return receipt request via USPS . That was followed up by being informed to log into my account and dispute the information. I did as was asked and approximately 45 days later was notified that the information will be remaining the same, when I called in I was told that they do not report 30 or 60 days late payment and all late payments are reflected as 90 days past due. I stated this wa s unfair and the customer service representative apologized and restated that the information would be remaining the same.   I then contacted the  XXXX  credit bureaus and request the information on the late payment be removed as it was incorrect and sent in the letter to  XXXX .  XXXX  sent notification that they saw this and removed the late payment.   XXXX   and Equifax declined removal and stated the information would remain on my report as their " investigation '' found it to be accurate- even with proof off their own reports showing the month prior to the " 90 day month '' showing account in good standing and the month after showing paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: GA

Complaint narrative:
I previously disputed this item with  XXXX   XXXX   XXXX  back in  XXXX   XXXX  and it did not get resolved ; Once I let  XXXX   XXXX   XXXX  go because it did not get resolved I took over resolving my credit issues and reading up on FCRA and Privacy Laws. On  XXXX   XXXX ,  XXXX , I disputed my bankruptcy that is being reported on my Experian  Credit File a nd it came back verified immediately, but they did not supply any information that I requested in the letter. I resubmitted another letter on  XXXX   XXXX ,  XXXX , this time I submitted a letter from th e U.S. B ankruptcy court along with my original letter plus an additional letter stating they do not report to credit bureaus. I sent a certified letter which they received on  XXXX   XXXX ,  XXXX  stating the FCRA regulation for Sectio  n 623 ( a ) ( 5 ) -- stated below.
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
( 1 ) The information was not verified because of the letter I received   from the bankruptcy court on  XXXX   XXXX .  ( 2 )  I submitted a Security Freeze oon my  XXXX  Consumer File Case No.  XXXX  that was confirmed on  XXXX   XXXX ,  XXXX  by mail. I have not lifted that Security Freeze so therefore it was not verified.     When I spoke with the representative at Experian they informed me everything was verified and accurate on  both Bankrupties Chapter   XXXX  that was dismissed and Chapter  XXXX  that wa s discharged. I do n't understand how they were verified when noone at the courts verified and there is a S ecurity Freeze in place.     I have attached all documentation showing such information.

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 2017-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX XXXX, 2017 I stopped by the XXXX XXXX XXXX branch located at the XXXX XXXX XXXX off XXXX XXXX of the State of Maryland to open a New Account. Unfortunately, I could not open the account because of some issues they claimed that I have with the Bank of America five years ago. I will like your intervention to know what the issue with the BOA after almost five years preventing me of opening a New Bank Account with XXXX XXXX and any other banks. Thank you for your anticipated assistance. Yours truly, XXXX 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 2017-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased a camp stove at  XXXX  on  XXXX / XXXX / 2017 . It was n't working correctly so I returned it on  XXXX / XXXX / 2017 . I should have received my refund on  XXXX / XXXX / 2017 . It showed on my account as expected on  XXXX / XXXX / 2017  but then was immediately suspended under some type of internal review. ( see attached image ). I calle d AMEX Bluebird to inquire about the hold and was told it may take up to 7 days to release. This is due to an internal fraud protection that has to do with an issue between AMEX and the merchant and not the consumer. I expected access to my funds without delay. Their actions have caused me to be unable to purchase food.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On  XXXX   XXXX ,  2017  ( overnight ), Check #  XXXX  in the amount of {$59.00} was processed through Bank of America  (  my checking account ). In RETALIATION TO MY PREVIOUS COMPLAINT against BOA, the bank is charging {$35.00} in fee 's because my BOA account was short of {$5.00}. I AM DISPUTING, BOA fee 's assessed in the amount of {$35.00} for Check #  XXXX . Today is  XXXX   XXXX ,  2017 , I have until  XXXX  today, to deposit the shortage of {$5.00} into my account. And, I am also DISPUTING , BOA 's  REFUSAL, to REFUND my {$70.00} for fee 's erroneously assessed to my checking account for the following check # 's on  XXXX   XXXX ,  2017  : Check # :  XXXX  in the amount of {$62.00} ; and Check # :  XXXX  in the amount of {$55.00}. I deposited the shortage of monies for these check 's in my checking account before  XXXX  on  XXXX   XXXX ,  2017 . How ever, BOA repre sentative REFUSED to acknowledge my deposited monies before  XXXX  on  XXXX   XXXX ,  2017 . I have my deposit sli p ( s ) to sho w that the necessary monies was deposited prior to the  XXXX  cut off. I am a VERY DISSATISFIED CUSTOMER for the ongoing practiced RETALIATION by Bank of America. I am requesting, ALL of my monies back for improperly assessed fee 's charged.   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 monetary relief
Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
My husband passed away and  XXXX  times I have faxed and mailed to them the DEATH CERTIFICATE to remove my husbands name off of the loan. They have not done so, even thought they have promised many times.   I want his name to be removed. I am attaching the death certificate again to you in order for his name to be removed from the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: FL

Complaint narrative:
The credit bureau is reporting a  XXXX   XXXX  account (  XXXX  ) on my credit that is not mine. I have never had any notices or letters sent to me by this company and I do owe them {$4900.00}. I am filing this complaint because I have sent disputes to the credit bureau numerous times but they have not addressed my concern adequately and are still reporting someone else 's account on my credit. I have gone so far to even call this  XXXX   XXXX  company using the contact number provided in the credit bureau letters and they can not find records that match my personal information. I feel stuck because the company can not send me someone else 's information and the credit bureau keeps saying this account is mine. They are refusing to delete this other person 's account from my credit.

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 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Porania, LLC
State: CA

Complaint narrative:
I have  XXXX  dismissed bankruptcies on my credit report, from  XXXX  different years. I would like to know how it is that I can remove them if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
In  XXXX  of  XXXX  I pulled my credit report and foun d that Dept. of  Education/  XXXX   was reporting my account as 90 days pat due in  XXXX . This is inaccurate- even on their own page it shows I only did not pay 1 month and that was deferred while my income based repayment plan application processed. On th e Credit reports it shows the month prior to that month the account is in good standing and the month after is in good standing as well. I first sent a good will letter requesting the information be correctly updated- se nt return receipt request  via USPS . That was followed up by being informed to log into my account and dispute the information. I did as was ask ed and approximately 45 days later was notified that the information will be remaining the same, when I called in I was told that they do not re port 30 or 60 days late payment and all late payments are reflected as 90 days past due. I stated this was  unfair and the customer service representative apologized and restated that the information would be remaining the same.   I then contacted the  XXXX  credit bureaus and request the information on the late payment be removed as it was incorrect and sent in the letter to  XXXX .   XXXX   sent notification that they saw this and removed the late payment. TransUnion and  XXXX  declined removal and stated the information would remain on my report as their " investigation '' found it to be accurate- even with proof off their own reports showing the month prior to the " 90 day month '' showing account in good standing and the month after showing paid.

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 2017-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nation Start Mortgage ( NMLS : #   XXXX   ), was the previous holder of my loan. I recently refinanced the loan with another lender. I was never issued  the complete refund for the escrow impound account. On the attached document a financial record is shown of the account statement. I received the balance of the statement in the amount of {$1700.00}, however the statement includes a refund of  XXXX  issued in  XXXX  o f 2016. I never received this refund, and have requested a check be issued numerous times. Nation Star has agreed to make  payment, via conversations, however the check has never been received.

Company response to consumer: Closed with explanation