vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-06 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:
problems on my credit report with equifax is that i have open accounts with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX All my accounts and in good standing but not being reported to equifax or they have not updated the information. Before i put fraud alert on my report my open account with XXXX XXXX  reported but since after it now does not report to them. i have no problems with XXXX or XXXX reporting information the only problem is with equifax. This information should be reported because they are all in good standing!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We did a loan modification back in 2008 circa with Wells Fargo due to financial hardship. And the modification period has ended recently and the interest rate increased to 6.5 % on our mortgage. The payment became too high for us to handle and with our current credit score ( XXXX ) we are not able to refinance. Our parents loan us XXXX  and we wanted to pay down the principle of our mortgage and recast our loan term in order to lower our monthly payment.
When we contacted Wells Fargo regarding this, they told us they can not approve our recast because we had previously done a loan modification on this mortgage. When we sign the loan modification, there were no verbal warnings nor papers telling us doing loan modification would effect our ability being recast even with us able to pay down over 60 % of the total amount owed.
So the goal for us is to pay down the loan and recast our term thus lower our monthly payment. We are not even asking wells fargo to lower our interest rate.

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 2017-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX. Misappropriation of government funding and income tax fraud with the XXXX at XXXX XXXX located on XXXX XXXX XXXX, XXXX, VA XXXX. Construction materials audit fee of {$120000.00} to track materials used for the community. Insurance agent fee with XXXX XXXX in the amount of {$130000.00}.

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 2017-09-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
XXXX XXXX XXXX Came to my house for my boyfriend. When they could n't get a hold of him, they knocked on my neighbors door and told them while we were gone, also asking my neighbor questions about his location and how they could contact him. This put my children 's housing at risk as I am XXXX, on a fixed income and do not need neighbors complaining on me for a debt that is not even mine to my landlord. The lady 's name is XXXX XXXX, from XXXX XXXX XXXX in New York. Reference # XXXX. I called them and chewed them out. I asked them to not come back or I would call the police. I also asked them if I needed to send them anything in writing and she said No. I understand debt collectors coming to one 's house ( I think it is disgusting, but I know it is " legal '' ), with that said, They involved my neighbors and put my housing and that of my children at risk ... I want them to stop. I did not give them any information on XXXX XXXX and would n't dream of doing that under any circumstances since they are NOT law enforcement. This happened between XX/XX/XXXX am on XXXX17.

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 2017-09-06 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: NV

Complaint narrative:
My credit report for both XXXX and Equifax are showing old high balances on several accounts that are showing I either paid off or there is little to no balance. This is impacting my credit score because it is showing I have several high balances and this information is not being updated properly. For example I used XXXX and had a high balance of {$3800.00} in XX/XX/XXXX. I paid off the credit card on XX/XX/XXXX and its still showing a high balance reported in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My wife and I sent investigation requests to Equifax back in XXXX. I am attaching a copy of the request we sent them. My wife received her investigation results well over a month ago. To date, Equifax has not sent me anything. I have sent several follow-up letters to Equifax. Still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accelerated Creditors Services, Inc
State: OH

Complaint narrative:
Visited urgent care XXXX/XXXX/XXXX. Received bill for services with balance owing {$130.00} in XXXX. Set up and paid 3 payments in XXXX for XXXX, XXXX for XXXX, and XXXX for XXXX with balance paid in full with XXXX payment. Received notice in mail XXXX from debt collector Accelerated Creditor 's Services with a balance due of XXXX. Called urgent care XXXX and was told final bill was sent in XXXX, stating that collection efforts would start 14 days if not paid in full, and that 35 % fee would be added to balance. This information I requested to be faxed as I did not receive. Fax received XXXX showed letter was sent to wrong address, the letter was addressed to different address than mine. I was not notified of final bill and collection efforts of 35 % of balance due in fees. Was told by urgent care XXXX that balance reported to credit bureau and collection efforts would continue because I did not respond to XXXX letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have multiple inquiries for credit cards And loans. I had my wallet stolen like 12 months ago ever since then people have been getting or trying to get things in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: NY

Complaint narrative:
I believe that my personal information on XXXX, Transunion and XXXX was used to obtain credit in my name or they are reporting someone else 's information on my credit reports. I have requested ( 3 times ) physical proof that they have on file for the creditors claims and they have not as of yet supplied me any proof of the specified items as being verified as being mine nor how they got the information to report them to my credit files.

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 2017-09-06 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: NY

Complaint narrative:
I believe that my personal information on XXXX, XXXX and Experian was used to obtain credit in my name or they are reporting someone else 's information on my credit reports. I have requested ( 3 times ) physical proof that they have on file for the creditors claims and they have not as of yet supplied me any proof of the specified items as being verified as being mine nor how they got the information to report them to my credit files.

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 2017-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
I would like to trace all Money Gram payments for the tenants located on XXXX XXXX XXXX, XXXX, VA XXXX since XXXX-XXXX-2017. Please reverse all payments of the property via money order as a direct debit to my XXXX XXXX Bank account, routing account number XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
I set up auto-debit for payment on my bifurcated student loans in XXXX 2017. When I checked back on my statements from the last two months, I saw that while the combined monthly minimum total from both loans of {$380.00} was still the amount I was charged, the allocation between the two loans was skewed to favor the lower interest loan. 

Under normal circumstances I am required to pay a monthly minimum of {$230.00} towards my 5.590 % fixed rate loan ( " Loan 1 '' ) and {$140.00} towards my 5.960 % fixed rate loan ( " Loan 2 '' ) for a combined total of {$380.00}. 

I am paid ahead approximately one year on Loan 2. Over the last two months, the allocation has put approximately {$50.00} of the allocation from Loan 2 into Loan 1 instead, i.e., MOHELA has been allocating ~ {$280.00} of my monthly minimum to Loan 1 and only ~ {$99.00} to Loan 2, eroding my paid-ahead status on Loan 2 and attempting to collect longer on the higher interest loan. 

I have called the company and they have promised to change my accounts, but my concern is that there are many people out there who would n't know to check the difference, or maybe they did n't borrow the money to get an accounting degree. In either case, I think it merits a look because I 'm sure there are others who have been impacted by similar practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, I received a letter from Credit Collection Services concerning a dept of {$800.00} that I did not owe. On XXXX XXXX, XXXX, I called CCS and addressed my concern that I do not owe this account and the information they have is incorrect. I also asked them to send me any documentation they may have concerning this account. I also sent them a fax the same day pertaining to the conversation and the request of the documents. I never received anything from them. Two weeks ago I went and apply for a loan for my business, and I was denied because of that collection in my credit. This report had caused a very big burden to me and my business. I have been waiting for that transaction for two years and now I can not move forward with it. Please help me resolve this issue. 
Thank you very much XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Borenstein & Associates, LLC
State: CO

Complaint narrative:
I sent the company a letter on XXXX/17 asking the nature of the debt and to please stop calling my coworkers and cell phone. I asked that everything be submitted in writing. I received a call at my office today XXXX. the person refused to identify himself and said that this was regarding my job. The number matched the place that I keep getting phone calls from as well as one letter telling me I have 30 days to dispute the debt. Then at XXXX I got a call on my cell phone and I explained that I did n't want them call me at my cell or my office and this is the 3rd time I have had to tell them, and that I submitted a dispute in writing along with telling them that I did n't want them to contact me by phone. The person on the other end of the phone said " I do n't care about your XXXX letter, " and then hung up. The company is a " law office '' in XXXX, Colorado called Borenstein and Associates the number is XXXX. I have copies of the letter I sent and I have a witness to the phone call in my office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I recieved a alert on my cell phone on XXXX/XXXX/XXXX that a new inquiry was added to my 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 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have a new mortgage that has not reported to my credit report. I have made 3 monthly payments and about to make a XXXX payment on 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 2017-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On or around XXXX XXXX XXXX I reported to USAA that two of the three cards in my name through them were opened fraudulently that it was in fact not I who applied for them. Also at that time I informed them that the one that I had in fact applied for was also being fraudulently used. That I knew who it was, that it was a person I was previously in an a XXXX XXXX and XXXX relationship with. I kept in contact with USAA and spoke with them several times between the time I made my report in the beginning of XXXX, until the XXXX of XXXX where they informed me that my case was denied and I was deemed liable. Their reasoning being that they could n't see any fraudulent activity do to that all the cards were being used locally and at the same locations, which I told them would make since do to the fact that it was a person I was living with doing it. I offered USAA a copy of the police report which contained the name of the person I was informing them it was, the person I was living with at the time of the fraudulent activity and they did n't find that information to be pertinent. At this point they except me to pay all charges both justified and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have a store credit card through Walmart. I have had financial struggles for some time now and they have never offered me any options. I have been struggling with this card for about 7 years. On my online account it asked me to check why I was not making my payment. I marked something along the lines of loss in job/change in income. I have marked this before and they have never offered me any options. I finally called again on XXXX in which they finally offered me their hardship program. They took my payment down to XXXX a month and took away interest, etc. I was dumbfounded that it was that easy and that they had never offered me that program before.

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 2017-09-06 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: NY

Complaint narrative:
XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, WI-XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, experian and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. Experian removed the listing from my credit report. However it is still showing up on XXXX as XXXX XXXX and on XXXX as XXXX. I want this removed off my credit report on all three agencies immediately and also a letter from XXXX XXXX  saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this. It was listed as XXXX XXXX on XXXX XXXX  report and XXXX XXXX on experians report, same address, but i have filed a separate complaint for XXXX XXXX and 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 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a new mortgage that has not reported to my credit report. I have made 3 monthly payments and about to make a 4th payment on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a new mortgage that has not reported to my credit report. I have made 3 monthly payments and about to make a 4th payment on 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 2017-09-06 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: Colony Brands, Inc.
State: NY

Complaint narrative:
XXXX / XXXX XXXX XXXX Swiss Colony / XXXX XXXX XXXX XXXX XXXX, WIXXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, XXXX and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. XXXX removed the listing from my credit report. However it is still showing up on XXXX as XXXX XXXX and on XXXXXXXX as XXXX. I want this removed off my credit report on all three agencies immediately and also a letter from XXXX XXXX saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this. It was listed as home visions on XXXX XXXX report and XXXX XXXX  on XXXX report, same address, but i have filed a separate complaint for XXXX XXXX and XXXX and Swiss Colony but it now shows up as Swiss Colon / XXXX as well as XXXX  They keep changing the name.

Company response to consumer: Untimely response