vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC.
State: TX

Complaint narrative:
I spoke with XXXX XXXX, loan XXXX at HomeBridge Financial Services , Inc ober a week ago about what types of loans are available to purchase an investment property and whether I would be eligible to take out said loan. First contact was over the phone. I told her I was not comfortable filing an application yet as I did not want a hit on my credit and would feel more comfortable if she would review my financial paperwork first and only info I would give her to make a preliminary determination. She assured me she would do so and send me a link to the application via text. Once I filled out the application, there is a box to check to give consent to lender to run a credit check next to the submit button. I made sure not to check the box since I did not want to have my credit pulled, and before submitting the application, I texted XXXX  again. She again ensured me, in writing this time, that she would not pull my credit and for me to go ahead and submit the application so that she may review it. I clicked submit and she confirmed she received it via text. To my surprise, the following morning, I received a credit karma notification that my credit had a new hard inquiry and that my credit score was lowered by XXXX points. I immediately texted XXXX. She apologized, blaming her assistant but saying that he did not know not to pull my credit despite the box not checked, clearly not giving my consent for such inquiry to be done. She said she would give me a copy of my report as apology. I explained that I was not okay with her way of doing things. She then made a determination of my eligibility solely on the tax return paperwork I had submitted. I then adked her what she was going to do to fix my credit since, if she had not been XXXX, there would have never been any need to pull my credit in the first place, which I was trying to avoid all along. She refused to try to " fix '' her mistake but sent me emails saying that there was nothing to worry about, that inquiries did not affect credit scores anyways. I told her that XXXX states that inquiries do lower scores, and will appear on the credit history for XXXX years. That she needed to contact the credit bureaus and explain that she made a mistake so that my credit could be restored and that if not, I would have to contact CFPB for assistance. I also told her that as a licensed professional, she owed me duty of care when I entrusted her with my sensitive info but she was XXXX or XXXX  when she betrayed that trust and pulled my credit despite giving me her word not to do so. Needless to say how outraged I am at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Beginning XXXX XXXX, 2017 public record date collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain at minimum identifying information to be collected at more frequent intervals as follows .... Minimum reporting of :1 ) Name, 2 ) Address, and XXXX ) SSN and minimum frequency of courthouse visits to obtain newly filed and updated. There is no way this inaccurate information could have been accurately verified because I spoke with representative from the alleged verifier XXXX XXXX XXXX XXXX and they have confirmed that it was not there on their 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 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my last option. I am requesting CFPB 's assistance. In correspondence dated XXXX XXXX, 2017, I disputed how incorrectly State Tax Lien ref # XXXX has been reported incorrectly. From the filing date to my personal information. I was able to verify with the court that this information has been withdrawn last XXXX XXXX, 2017. This proves that this credit repository 's information is outdated and no investigation was conducted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I work for XXXX, a branch of XXXX XXXX XXXX. When purchasing our first home, we chose Wells Fargo because they were the preferred home mortgage lender with my company, and they had a Wells Fargo XXXX XXXX program that was explained to have more benefits as a XXXX employee. When we met with a XXXX XXXX at Wells Fargo back in early XXXX, he explained that we would be receiving a {$500.00} gift card if we decided to process our loan through their company since that was a benefit of the Wells Fargo at XXXX program. This and other factors, ultimately secured our choice with going through them and I even emailed our XXXX throughout the process to ensure he was adding that to our loan, which he confirmed ( documentation supplied ). We were told this would usually come XXXX weeks after closing. We closed on our house mid XXXX XXXX, and as of XXXX, still had not received anything. I reached out to our XXXX, who I was told is no longer employed by Wells Fargo, and then I reached out to them via their online contact us form for the branch we used. I was contacted by another representative, who confirmed that I should have received the {$500.00} gift card, and that possibly our initial consultant had forgotten to add it or had incorrectly entered it on the loan. I had to follow up with her myself every week or so for an update on the correction, at which point later on, she replied that her XXXX had confirmed that the code needed was not entered correctly by our XXXX, and that this was being sent to be fixed since they no longer had access to our loan at the local branch since it had closed already. They said it had to be corrected outside of their office, and I was continued to follow up, I was just informed a few weeks ago that it had to be escalated to Wells Fargo 's XXXX to be fixed and that someone would be in touch with me shortly. It 's been XXXX weeks now, and no one from XXXX or the local branch has reached out to us concerning the matter. It is extremely frustrating to have not only had this {$500.00} promised to us to help persuade us to use Wells Fargo in the beginning of our home mortgage shopping, and then our XXXX failed to enter it on the loan correctly, and now the company, having known of the issue since XXXX, still have yet to provide any type of update or resolution on the problem.

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 2017-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I disputed this a account Choice Recovery, Inc which is an unknown account to me and it is not my debt. I disputed the cle tion account t on XX/XX/XXXX with XXXX, XXXX, and XXXX. I disputed the collection account advising all the credit monitoring reporting agencies that this was n't my debit and it was unknown to me. On XX/XX/XXXX, XXXX had completed there investigation and updated and removed the account from.my file. However, XXXX and XXXX both concluded different results ... both agencies verid account as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
In XXXX me and my spouse sold a XXXX XXXX XXXX we we contacted a year later by XXXX XXXX XXXX XXXX XXXX i faxed them thew XXXX XXXX XXXX paper and they stopped calling last week the week of XX/XX/XXXXto XX/XX/XXXX from a company called lien enforcent, Inc stating we owe XXXX for the vehicle I then contacted them and told them we had sold the vihcle and faxed them the lean paper only to hear back from the same guy who contacted me to say it was not valid and that not to listen to the XXXX he threatens me and my wife and I want this to stop there number is XXXX please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
i am paying 18 % APR Interest every month Equal to XXXX $ because of my credit score. i was denied for new credit cards from XXXX and from XXXX XXXX XXXX and from XXXX XXXX. i was requested to refinance my car To GM financial my current car under Gm Financial, but i am not getting good quotes to refinance my car. i am very low income  person, i am struggling to making payments every month with my family and XXXX month old baby. i am worried about my family financial situation right now. because of these CREDIT BUREAUS like XXXX and XXXX, XXXX XXXX XXXX and my car dealers all all people are manipulating the law and make me suffer a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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:
This is my last option. I am requesting CFPB 's assistance. In correspondence dated XXXX XXXX, 2017, I disputed how incorrectly State Tax Lien ref # XXXX has been reported incorrectly. From the filing date to my personal information. I was able to verify with the court that this information has been withdrawn last XXXX XXXX 2017. This proves that this credit repository 's information is outdated and no investigation was conducted.

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 2017-10-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Beginning XX/XX/XXXX public record date collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain at minimum identifying information to be collected at more frequent intervals as follows .... Minimum reporting of :1 ) Name, 2 ) Address, and 3 ) SSN and minimum frequency of courthouse visits to obtain newly filed and updated. There is no way this inaccurate information could have been accurately verified because I spoke with representative from the alleged verifier ( XXXX XXXX ) and they have confirmed that it was not there on their report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Beginning XXXX XXXX, 2017 public record date collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain at minimum identifying information to be collected at more frequent intervals as follows .... Minimum reporting of :1 ) Name, 2 ) Address, and 3 ) SSN and minimum frequency of courthouse visits to obtain newly filed and updated. There is no way this inaccurate information could have been accurately verified because I spoke with representative from the alleged verifier XXXX XXXX XXXX XXXX and they have confirmed that it was not there on their 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 2017-10-23 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: DataMax Corporation
State: SC

Complaint narrative:
I 've reached out to this company several of times in regards to this inaccurate information that they are reporting to my credit. I have no acknowledgement of this debt owed, I 've asked several of times to send pod ( proof of debt ) and they 've failed to do so. My next option is to contact an attorney and file a lawsuit for the inaccurate information that they are reporting. They are in violation of FDCPA by not providing proof that this debt actually belongs to me, in which that it does n't. This is hurting my credit tremendously and is bringing an emotional strain on me being that I am in the process of buying a new home. I am emotionally and physically stressed over this. I am giving them 30 days to get this matter situated otherwise I will pursue legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been a credit card customer with wells fargo since XXXX of XXXX. Over that period of time I have accumulated XXXX wells fargo rewards, ( which is worth {$700.00} ) from spending on the card. I have never missed any payments on the account, and the account was in good standing. On XXXX XXXX. I got a letter from wells fargo stating that they closed my account due to 6 months of inactivity. I called wells fargo, and the representative confirmed that, that is the reason for the account closure, my XXXX rewards are forfeited, as the account is closed, and I can not get them back. I then spoke to a supervisor, trying to understand how a bank can close my card for only 6 months of inactivity. At least be notified by the bank that they will close the account, if I do n't continue to use it, and was not given any help on the matter. On XX/XX/XXXXI filed a complaint with XXXX from the executive office to either have my account reopened, or at least be payed for the worth of my points, which is {$700.00}. About a week later, she called me back stating that they can not reopen the card, and will not pay me for the value of the points.

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 2017-10-23 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: CA

Complaint narrative:
This is my last option. I am requesting CFPB 's assistance. In correspondence dated XXXX XXXX, XXXX, I disputed how incorrectly XXXX XXXX XXXX ref # XXXX has been reported incorrectly. From the filing date to my personal information. I was able to verify with the court that this information has been withdrawn last XXXX XXXX, XXXX. This proves that this credit repository 's information is outdated and no investigation was conducted.

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 2017-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
XXXX XXXX I inquired about getting my father released as co-signer. After a struggle with several phone calls and bouncing around, they said I need to pay more ( more than I could even afford ). After XXXX months with on time payments they could release my co-signer. The explanation that I understood was to make sure I could afford repayment. My co-signer has never paid a single dollar in our XXXX year relationship. On the automatic withdraw the have steadily increased the payment without authorization from me but Ive had no choice but to pay. Over a year of higher monthly payments they give me a run around about releasing my father. My father needs to buy a new house due to job relocation and student loan debt does not look good. I feel like they misled me, forced me to pay more through guilt, and lied about the plan they set forward. Not the first time that they have pulled stunts like this including what I felt were illegitimate deferment charges, late charges, and threats. Now my credit, XXXX health, and family is under destruction. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: IL

Complaint narrative:
I purchased a prepaid XXXX giftcard on XX/XX/XXXX at a XXXX grocery store in XXXX. It was loaded with {$500.00}. A few days later I opened the package and attempted to use the card and was denied. I went to check the balance online and it showed several transactions occuring the previous day, before I had even opened my package. It was clearly fraud. I immediately called the customer service for the card and submitted a fraud complaint and faxed in the information requested on XX/XX/XXXX. I was told the process would take at least 30 days and that I would be mailed out a replacement card after that. I called back on XX/XX/XXXX and was told the case was closed and denied because they had not received additional information they needed. No one had ever called or written to me to request this additional information. They said they could re-open the case if I submitted the information. I submitted the information on that date and then called back a few days later to check that they had received everything and that it was all they needed. They confirmed it was, and that I would have to wait another 30 days, for the bank to respond. After 30 days, I repeatedly called back, about twice a week, beginning XX/XX/XXXX, to find out information about my claim. No one in customer service could give me any information, other than the claim was still unresolved. On three separate occasions, the customer service said they 'escalated ' the matter, and that was all they could do. Finally, on XX/XX/XXXX, I received a voicemail telling me that the case was denied and closed again because it is now past the chargeback time frame. This is ridiculous as I submitted my claim within 2 days of the fraud occurring, and again resubmitted all the requested material ( including receipt and activation slip, copy of the front and back of the card ) only one month after that. The fact that they repeatedly delayed making a decision on my chargeback for obvious fraud seems like a strategy to push the case so far into the future that it would become 'invalidated ' because of time frame. The prepaid company seems determined to exhaust me in my attempt to resolve this, as I have called the company at least two dozen times since this case started, and they have refused, until my voicemail on XX/XX/XXXX, to even contact me regarding the case. I have been prompt in providing clear copies of all necessary documents and I find it egregious that this company has spent four months putting off a decision to me regarding this case and then claims that now the chargeback falls outside their time frame. I refuse to allow this clear case of fraud to be perpetuated.

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 2017-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: OK

Complaint narrative:
AMCA I do not owe money. 
claims false information remove or delete my account immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC.
State: CO

Complaint narrative:
I have disputed this collections account on my report from Capstone CR a few times, and I have asked multiple times for validation of this debt. I have not once received the information to validate this debt and I do not/have not ever had a contract with them. Instead of providing the information to me, Capstone CR has deleted and readded the collection to my credit report, all done during the week of XXXX XXXX XXXX. Now this collection that I have asked and asked to be removed, has started the aging process over. I do not want to be stuck with this debt even longer now due to their unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: Global Lending Services LLC
State: SC

Complaint narrative:
I have reached out to this company several of times to work out an agreement to take care of this matter in which they refused to accept my payment agreement, which is a violation of FDCPA. I 've tried to settle with this company being that this debt is old, and still to no avail they denied to work with me, but continue to report this old debt on my credit which has reached the statue of limitations. This debt is XXXX XXXX XXXX and it 's still being reported on my credit. I am giving this company XXXX days to accurately update my credit report with the deletion of this item, if not I will be speaking with an attorney to pursue legally with an lawsuit.

Company response to consumer: Closed with explanation