vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX : Wells Fargo Mortgage Loan # XXXX - Client : XXXX Property Address : XXXX XXXX XXXX, XXXX, CA XXXX Loan Closing Date : XX/XX/2018 ; Loan Disbursement Date : XX/XX/18 Escrow # XXXX XXXX XXXX XXXX The purpose of this email is to request a refund of any and all fees, including interest, that we paid in connection with a mortgage loan that we found ourselves with that we did not want or ask for. 

We met with XXXX XXXX, XXXX # XXXX ( XXXX ) at Wells Fargo Bank to request a line of credit to cover landscaping and other miscellaneous charges for our newly purchased home, for which we had paid cash. XXXX XXXX kept talking about a mortgage loan and we kept insisting we only wanted a line of credit ; that we did not need the money and did not want a mortgage loan. We had recently paid cash for our new home. Somehow, we ended up signing documents for a mortgage loan in the amount of {$170000.00} and a home equity line of credit. 

We are not happy to admit that we did not fully understand these transactions until we started receiving bills for a mortgage payment. Not understanding why we were being billed, we had a neighbor look at our paperwork and she was able to review and explain the paperwork and discover that the money for the mortgage loan had been deposited to our savings account. Until that time, we did not aware that the {$170000.00} ( after fees ) had been put into our savings account. 

Upon learning we had a mortgage loan, we went into Wells Fargo and had a chance to speak to a XXXX XXXX and asked why they would have given us a mortgage loan and she agreed it didnt make sense to borrow money to put into a savings account. Why would we pay 4.5 % interest on a loan to deposit the funds into a savings account earning .06 %? At that time, our only option to get out of this mess was to pay the loan off. 

On XX/XX/2018, we went into a Wells Fargo branch and paid the loan off. At this point we still have the Home Equity Line of Credit and thats fine with us, as thats all we ever wanted to begin with. 

We feel like we were taken advantage of and sold a product that we clearly did not want, did not understand and that made no sense for us to have. Clearly, the loan XXXX who made both of these loans to us was not acting in our best interests. 

Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX Complaint submitted to CFPB on someone elses computer. Please reply to the email address of XXXX when responding.

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 2018-09-04 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:
Equifax continuously reports inaccurate information on my credit report, including a bankruptcy after requesting proof of validity and verification multiple times. 
I followed their processes and disputed this inaccurate information multiple dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via certified letters and by following their disputing process online as well.

Equifax has no right to maintain information which the government has deemed nonexistent. Inaccurate information or case, civil or otherwise, which is dismissed and was not adjudicated.

Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Equifax is refusing to delete this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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:
Transunion continuously reports inaccurate information on my credit report, including a bankruptcy after requesting proof of validity and verification multiple times. 
I followed their processes and disputed this inaccurate information multiple dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX via certified letters and by following their disputing process online as well.

Transunion has no right to maintain information which the government has deemed nonexistent. Inaccurate information or case, civil or otherwise, which is dismissed and was not adjudicated.

Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, XX/XX/XXXX is refusing to delete this information from my credit report.

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 2018-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Quicken Loans offer after the XXXX XXXX last year in Florida a break to help the customers that had damages and lost the tenants, the proposal from QL was not to make payments for 3 months and after that they will contact us and could be extended ; the offer was no late payments, no late fees and no damage on the credit report and the break on payments will not impact the mortgage amount, will be only freeze for the period need it and this months will be added to the mortgage period, all information was presented by phone no documents where received. For our surprise when we were ready to start payment we contact the company and they now send us a mortgage package for 40 years plus they add the interest ( around {$5000.00} increase ) that we haven't pay for those months to the principal and that was not what we agreed. 

Loan number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: AES/PHEAA
State: WI

Complaint narrative:
Account was in deferment but fed loan serving reported it past due and after reporting it past due changed the loan to current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The incident is about a WIRE TRANSFER. I was involved in a Love Scam. I do admit that i WIRED the money to capital one ( acct : XXXX rtn : XXXX ) the name on this account is under ; XXXX XXXX XXXX XXXX the amount of the transaction was {$40000.00} us dollars. 
The bank Captial one, called me on XX/XX/2018 to advise me that the wire i had submitted was Fraud! I have been calling ( XXXX ) XXXX rep XXXX is the one that called me and the next day it was XXXX from Capital one. I requested them to cancel and stop the wire from being transfer to that business account. 

The bank Capital one has advise me to call my bank to do a re-call and a hold harmless letter. I have been contanting my bank XXXX XXXX XXXX XXXX XXXX ( XXXX ). My credit union has not been able to do the recall, because they dont have the system to do the recall. 
I have contacted a lawyer and I have also submitted a Complaint referral form to the FBI called Internet Crime Complaint Center ( ICCC ). 
The FBI agent XXXX XXXX ( XXXX ). He has called my credit union and asked for XXXX XXXX ( XXXX ) XXXX she is in the fraud department. The FBI agent also called the wire dept for XXXX and asked for XXXX XXXX ( XXXX ) XXXX and he also emailed the wire dept XXXX, and got no where with them. They have not been able to follow the FBI instructions. 
They are not able to do anything for me! 

I need you, CFPB to help me regain my money. I need my money back. No one has been about to help me. I have mailed the FBI compliant letter to Captial one and i have emailed them the form too, to FDIC ( XXXX ) and to Captial one abuse email. They have it in an email and a physical paper of the FBI Complaint. 

Please tell me what to do. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax refuses to correct information on my credit report. My name, XXXX XXXX XXXX, the name they have is incorrect, a collection account, XXXX XXXX XXXX, is not mine. The other collection, XXXX XXXX has been paid. I can not get onto their website, as it tells me that the verification information I submitted is incorrect, because the information they have is incorrect. I have literally spent hours on the phone with them, and each time starts another 30 day stall and they never correct it. There is a 130 point difference between reporting agencies because they refuse to correct this erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Recovery Portfolio Associates, LLC are sending me correspondance and reporting on my credit report that I owe for on an account for XXXX XXXX that is not owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hi, I finance a car with TD bank Creditors in trade but my last car was outside down around 9000 dollar because the book price was around 9000 dollar  and my payoff was XXXX, the new car price is XXXX XXXX with tax dealer fees but in my credit report i have a new opened account with TD bank with only XXXX dollar, mi monthly payments is XXXX  dollar and the interest they charge me is 10.59 % usually i pay only 1 month and the amount of interes is XXXX dollar and the difference is a principal, so they are uncovering the XXXX as the outside down and they didn't put in my statement the full amount for i paying for that illegal and i a wrong report about my credit it not just. Mi name is XXXX XXXX and my cell phone is XXXX XXXX XXXX XXXX XXXX thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: WI

Complaint narrative:
Account was in deferment but XXXX XXXX XXXX reported it past due and after reporting it past due changed the loan to current.

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 2018-09-04 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: WI

Complaint narrative:
Account was in deferment but XXXX XXXX XXXX reported it past due and after reporting it past due changed the loan to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
Dynamic Recovery Solution is correspondence and claiming that I owe for an account for XXXX XXXX and XXXX XXXX XXXX not owed.

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 2018-09-04 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: DC

Complaint narrative:
Since XX/XX/XXXX I've tried to get a fraudulent collection agency account deleted from my credit report. I was notified that a XXXX XXXX collection action for {$1400.00} was listed on my Experian credit report. I called XXXX XXXX and was advised that an account was set up and service provided in Florida using my personal information. I informed them that I never lived in Florida so it was a case of stolen identity, I filed a police report and for the past two years have been trying to get the entry off of my credit report with calls to XXXX XXXX and Experian. I went online and asked to remove all the incorrect addresses from my report. I also noticed that there are XXXX separate entries for the same XXXX XXXX action with three different collection agencies opened on three separate dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has made the process of removing the false information even more difficult. I've provided Experian and XXXX XXXX with all the information to prove the identity theft but the fraudulent delinquency remains on my credit report. 

I appreciate any help you can provide to clarify this issue.

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 2018-09-04 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
After reviweing my XXXX credit score on XXXX, I found that on XX/XX/2018, a company under the name SYNCB/WALMRT, made an unauthorized inquiry on my credit report without my knowledge or consent.

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 2018-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Ally Bank has been requested to close all accounts opened in my name without authorization. Several disputes for the unauthorized use of my information have been made and to this date the financial institution has refused to act appropriately. I continue to receive calls from representatives regarding new accounts being open and access remains for accounts that have been disputed. Unauthorized activity remains unaddressed and dispute for unauthorized/improper debit remain unresolved. 

XXXX XXXX continue to provide false statements contradicting recorded calls and obscuring resolution 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 2018-09-04 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: U.S. BANCORP
State: OH

Complaint narrative:
As a continuation from my other complaint, incorporated herein ... 
US Bank is sending a fake name person in response and not addressing the issues presented. Request for documentation of merchant that sold products or services that conflicts or affirms that I was not duped on products/services sold to me are not being addressed. 

Reason for denying my FCBA dispute when no response from merchant is admission of the claim against him are not being addressed. 

Additional information, albeit it should not have been needed, has been supplied that affirms what I was supposed to receive and did not after a long drag out by the merchant and attempt to bait and switch me to other products/services in place of what was purchased.

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 2018-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
For one, I am a US XXXX vet under the old GI bill ( XX/XX/XXXX-XX/XX/XXXX ). Went to college under the old GI. Before college was completed the old GI was canceled thus had to get loans to complete college. I was laid off three times as a XXXX XXXX XXXX thus XXXX income. Sallie Mae/Navient would not help unless I got forebearance. Why was a deferment not afford? ( no one can answer me that question ). All that did was add {$30.00} to a loan of around {$40.00}. I graduated in XX/XX/XXXX and my loans are not even going down even after all this time paying each month. I am XXXX years old and getting close to retirement. How can any one retire with this over my head. You can not tell me that I have not paid back the original amount by now. Also our house hold income has come down at least by a 1/3. Wife has become XXXX and can not work plus she just had a XXXX XXXX removed three weeks ago. So in turn it is pay student loans each month or get and pay for medical help/expenses. No one seems to help anyone. I need some help. I have already spoken to US Department of Education about me not getting any help and got a letter from them. They said to contact the CFPB if needed. Add me to any lawsuit concerning Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I issued a {$50000.00} wire transfer on XX/XX/2018 from my Bank of America account to the company 's XXXX XXXX account. The same day I issued a reversal order because I mistakenly sent the funds to the wrong account. 17 Days later the receiving party was notified by XXXX XXXX of the reversal request. The receiving party consented to the reversal immediately. 45 Days later the funds are not back and there has been no communication from either bank.

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 2018-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: PA

Complaint narrative:
I received a notice from a debt collection agency regarding a medical bill totaling {$1500.00} from XXXX XXXX XXXX  Hospital for XXXX XXXX   dating XX/XX/18. I was informed by my social worker Medicare would cover any remaining medical expenses after XX/XX/18. I have XXXX as my primary insurance and Medicare as my secondary insurance. I have called XXXX hospital 's billing office at least 7 times to tell them bill Medicare as my secondary insurance. As far as I know they are waiting on Medicare to pay the remaining balance. I was never notified of this debt being sent to collections by XXXX. It should be covered in full by XXXX and Medicare. The collection agency is State Collection Service XXXX XXXX  XXXX XXXX WI XXXX. Phone number XXXX XXXX billing office isXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have a mortgage with ocwen bank and in XX/XX/2017 I put in for a modification on my mortgage and it was granted in XX/XX/2017 and the company said I didn't have to make any payments until the modification process was completed. But they put on my credit report I was late XX/XX/XXXX and XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have tried to resolve this with the XXXX but I don't seem to be getting anywhere. Here is an overview of what is going on ... 
XX/XX/XXXX loans were taken out with Sallie Mae. Graduated XX/XX/XXXX. Was making payments on the loans. My mom ( who was the co-signer ) passed away in XX/XX/XXXX. I called and spoke with a representative to let them know she had passed away. They informed me that loan amount owed would be taken from estate. Sent the death certificate and they told me that she would not be removed right away because she had to remain on the account in order for her to be shown as being indebted to Sallie Mae. Nothing happened. They finally removed her from the loan XX/XX/XXXX. I made payment arrangements with them. Navient takes over and they begin to report inaccurate information and seem to have no knowledge of anything. They claimed that I stopped making consistent payments so they charged the loan off XX/XX/XXXX. But from the documentation that I will attach its clear to see that I was still making payments well into XX/XX/XXXX.

Company response to consumer: Closed with explanation