vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank is once again comingling the order of checks, ACHS, Debit card purchases, in order to charge exorbitant fees. Every week for the last month wells Fargo has charged me 3 over draft fees. At the rate of XXXX each, wells Fargo has made XXXX a week off of my account and done this 4 times in the last month. 

I have personally seen funds on hold for payment and within a day those funds are not showing in the account and the next day everything goes through the account and I am charged all of these fees.

Enough is enough! When will you do something about their criminal activities??

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 2019-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
Freedom Mortgage has been getting additional funds from me for the duration of this loan, since XX/XX/2015. Due to the fact they took my over payment which is supposed to go to principal and applied it to their legal fees without my knowledge, I asked Freedom Mortgage for a complete checks and balances statement showing where every penny I sent them since XX/XX/2015 has gone. I have not received it and I do not believe they have any intention of getting it to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE FILED WITH FTC, I HAVE WRITTEN ALL THREE BUREAUS, I HAVE WRITTEN THIS CREDITOR WHOM I DO NOT KNOW ... ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AL

Complaint narrative:
I just got off the telephone with Fed Loan Services, and they informed me i was victim of a scam in XX/XX/XXXX, where a company tricked me into giving them my information and setting up a payment plan of {$19.00} a month. This month ( XX/XX/XXXX ) I began receiving emails from FedLoan about paying my account. I attempted to log in, and was unable to because my account had been created by a person that was not me. I knew this because A. The username was not something I have ever used. B. One security question asked about the name of my first niece, and I do not have any nieces. C. The second security question asked for my Mothers middle name which I should have gotten correct because I know that information, but instead was locked out of the account. I then proceeded to call FedLoan Services where they told me what happened, and then to file a complaint here with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I HAVE FILED WITH THE FTC,,,, I WRITTEN ALL 3 BUREAUS,,, I HAVE WRITTEN THIS CREDITOR ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: ONLINE Information Services, Inc.
State: IN

Complaint narrative:
I have a hard credit inquiry on my credit report with a company ( Online information services ) I have no business with. I called the company ( Online information services ) and they said they can not find my name or information in their system. So then how could they have made a hard inquiry on my report? Also they want me to pay to have more of my information shipped to them to dispute this claim when I dont think they should even my information in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE FILED WITH THE FTC,,,, I WRITTEN ALL 3 BUREAUS,,, I HAVE WRITTEN THIS CREDITOR ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE FILED WITH THE FTC,,,, I WRITTEN ALL 3 BUREAUS,,, I HAVE WRITTEN THIS CREDITOR ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I BEING VICTIM OF A RACISM ACTION BY MAKING A MISTAKE IN ORDER TO PRESENT DENIAL ASSUMPTION History Starts few Years ago when Assumption Application was sent several times and being Ignored, not even a letter return Bayviewloan for us Until I contacted CFPB thats when Bayviewloan contacted me with false excuse saying they never received any document.

NOW, here With the Assumption that was Denied after years of being Ignored until I bug everyone from Bayviewloan, CFPB, ( Consumer Financial Protection Bureau ).

Now all documents sent every time Bayviewloan Servicing asked for something different, we provided anything they asked for and obviously every time a document was sent, we received answer after weeks, I think to make it longer or make us to desperate and stop dealing with us XXXX with bad XXXX, The final decision for Denied the Assumption Bayviewloan Servicing said is because is being the loan is currently past due greater than 30 days??? 
IT IS FALSE AND MADE MISTAKE ON PURPOSE TO DO THAT AGAINST XXXX CUSTOMERS. 
I Paid Balance that was behind on : XX/XX/XXXX Bayviewloan Representative gave me Confirmation # XXXX Denial Letter Received XX/XX/XXXX XXXX XXXX @ XXXX when I tried o make the regular payment, I was told by XXXX, Employee XXXX that previous payment I made on XX/XX/XXXX, wasnt received and took by the representative properly, than he gave me the right amount and MADE NOTES ABOUT BANK REP MISTAKE, HE then took the payment missing by mistake and gave me the confirmation # XXXX I hope you can fix that mistake or the problem that Caused to me in case that this is not just a purpose mistake and I being victim of racism. 
Since than I being Ignore as well. 
*I being e-mailing since than 2 times per week. 
*Sent letters to all the Bayviewloan Servicing addresses I found. 
I being Ignored Since they knew their mistake of REFUSING MY PAYMENT AND getting other different amount then what I wanted to pay = balance. 

being sending e-mails as well to. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX answer. 

On XX/XX/XXXX @ XXXX I was able to Speak with : XXXX, Employee XXXX HE made notes about the mistake made previously when Other EMployee Representative from BAyviewloan SErvicing Didn't get my Payment correctly, XXXX then gave me a different REference number and corrected the mistake as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
I applied for the XXXX Visa Card from Barclays Bank and was approved in XX/XX/2019. On XX/XX/2019, I was informed via email there was a change in terms to the rewards structure. This change occurred so quickly that I feel like the advertised card and benefits that were marketed to me to entice me to apply were misleading and deceptive because the company significantly changed the reward structure immediately on me. This is unfair because I closed another account when opening this new card which impacts my personal credit via the credit inquiry and the decision to close another long standing account based on the advertised rewards Barclays offered. Barclays at the very least should grandfather existing account holders. I contacted Barclays regarding my complaint but no resolution was offered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: FL

Complaint narrative:
I have a XXXX XXXX bill showing on my credit report for {$74.00}. I don't know when I had XXXX XXXX but it was over 10 years ago. My credit report shows a bill opened XX/XX/19 on my credit report that is not mine that I recall at this time it is inaccurate. At least not here in Florida. I have been here for four years now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
An account was opened unbeknown to me with Comenity Bank and it was sent to collections. My father who had all of my personal information used it to create several credit card accounts and I have been trying to remove them. I have disputed the record with XXXX but have not seen any changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Community Health Investment Company, LLC.
State: TN

Complaint narrative:
I received a collection notice stating that we owed {$140.00}. I request proof of the debt. The collections agency sent me a copy of the original bill. I responded that I would like to see a complete statement of our account as we PAID the hospital {$1100.00} on XX/XX/2019, based upon their estimated bill after the expected insurance payment. On XX/XX/2019, the Hospital REFUNDED {$550.00}. Our thoughts were that we paid based upon an estimate, and after all the insurance settlements, we actually overpaid. I requested a statement of the account that shows what we paid, what the insurance paid, and what the remaining balance is. We can not understand how the hospital can say we were delinquent when they gave up a refund. The agency responded to our request for a statement with a letter threatening to report us to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: CA

Complaint narrative:
I was trying to buy a car today XX/XX/19 and when they ran my credit to check if I qualified for the loan I was told that I did not get approved because there were accounts in negative standing on my credit report. When I looked over those accounts I told them that none of those accounts were mine. I did not open any of these XXXX accounts and I never gave anyone permission to open these accounts in my name. I think a person named XXXX  XXXX XXXX opened these accounts. I already filed a police report ; I did not benefit anything at all from this nor did I ever make any purchases or payments towards these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE FILED WITH THE FTC, I HAVE WRITTEN ALL THREE BUREAUS, INCLUDING 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 2019-10-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE FILED WITH THE FTC, I HAVE WRITTEN ALL THREE BUREAUS, INCLUDING XXXX ... ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
- In XXXX, I called Nelnet to let them know I was going to take one class in the summer and would go half time in the fall. They advised me that they would " place my payments on hold '' and that would keep my payments on hold but accumulating interest until my I went back to school at least half time. 

- During the summer, I took 1 class. 

- In XXXX, I called them back to let them know I had started classes again in the fall just as I told them in XXXX. I started classes half of the time on XX/XX/19. To my surprise, they told me I had been delinquent for over 90 days as the school had reported in the summer that I was attending less than half of the time. I explained this was correct but in XXXX when I called I had been placed " on hold '' accumulating interest ( forbearance ) until the fall that when I was going to enrolled in a half of the time status. So pretty much what they did is that the 1 class I took over the summer had overridden the " forbearance '' they argued back and forth and explained what all the " hold '' terms meant. They blamed the school for providing wrong information. I explained the information was not wrong but Nelnets failure to proceed as they should, caused this confusion. 

- The reported a 90 day past due to the credit bureaus for all 15 accounts and ruined my credit from the high 700s to the lows 500s! 

- The provided me erroneous information in XXXX, they ignored and bypassed this request despite my call. They did have record of the call but no " enough '' documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
I received random phone calls from the phone number : XXXX stating they were National Credit Adjusters and that I owed them {$500.00} for a online loan on XX/XX/2019. 
They were demanding payment from me and wanted me to verify my bank information. 
Also wanted me to email them information to them at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: CA

Complaint narrative:
I was trying to buy a car today XX/XX/19 and when they ran my credit to check if I qualified for the loan I was told that I did not get approved because there were accounts in negative standing on my credit report. When I looked over those accounts I told them that none of those accounts were mine. I did not open any of these XXXX  accounts and I never gave anyone permission to open these accounts in my name. I think a person named XXXX  XXXX XXXX opened these accounts. I already filed a police report ; I did not benefit anything at all from this nor did I ever make any purchases or payments towards these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a XXXX XXXX bill showing on my credit report for {$74.00}. I don't know when I had XXXX XXXX  but it was over 10 years ago. My credit report shows a bill opened XX/XX/19 on my credit report that is not mine that I recall at this time it is inaccurate. At least not here in Florida. I have been here for four years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a XXXX XXXX  bill showing on my credit report for {$74.00}. I don't know when I had XXXX XXXX but it was over 10 years ago. My credit report shows a bill opened XX/XX/19 on my credit report that is not mine that I recall at this time it is inaccurate. At least not here in Florida. I have been here for four years now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
After reviewing my credit report recently I dated I noticed that an account named Convergent Outsourcing has repaired on my report. I sent in a complaint on XX/XX/18 in regards to this company and the result was they agreed to remove. My original complaint stills stands I have submitted a request to have an account investigated and removed from my account from Convergent outsourcing. I have never done business with this company or taken out a student loan with this company. When I contacted the company and requested original loan documentation I never heard back from them. I then requested the account to be investigated and removed by the credit bureau and they responded with account verified. This account has never showed on my credit report as a active account by any creditor and now all of a sudden I have a collection account for now {$37000.00} from a company I never heard of. I would like this account removed from my credit immediately before legal action is taken. I pulled all of my financial college records and have verified that is not a loan that I have ever taken out. This is account is Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I paid 80 % of the remaining loan online for the XXXX and XXXX payments in XXXX I contacted them about the remaining {$78.00} PHH mortgage said they would mail me a pay off statement to the address I was currently residing, I never got one in XXXX I requested another pay off statement, I have since learned that they have reported delinquent payments on my credit report. I have sent them a cashiers check on the XXXX of XXXX to pay the balance and I have called again 2 days in a row to check the status, sat on hold transferred 3 times to finally get someone to tell me I would have to contact the research department because they can not find the check etc. This was an XXXX loan I have never been late on a payment and I try and pay it off early and my credit is suffering Over the last {$78.00} of the loan. Beyond ridiculous

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This was a medical bill by my daughter 's XXXX of {$68.00} dollars that was sold to XXXX XXXX XXXX. Neither party would settle the collection with me directly and they made no previous attempts to contact me by phone or any way I recall to settle before it hit my credit in time. I didn't recall the debt. When I attempted to settle the debt with the credit agency they stated that it would remain on my credit for years to come as a debt owed that was adverse and paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
Mortgage was opened on XX/XX/2019 not appearing on my credit report correctly. Show 's account is closed, paid on time for 3 months now. The account does not report correctly, payment information is missing and account is reported inccorectly.

Company response to consumer: Closed with explanation