vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In approximately XXXX my wife and I were notified by courier that we are late/in default on our payments and our home is in jeopardy of foreclosure, and we are {$18000.00} behind in our payments with late fees being accumulated daily. Our loan was with Wells Fargo and we had auto withdrawal every month. We were never notified by Wells Fargo of the intentions to sell the loan to another servicer or of the intent to discontinue our auto payments. Their customer service claims a letter was sent. Nothing was ever received. The first we heard of this was when we were contacted by XX/XX/XXXX 

XXXX XXXX XXXX agreed to a 3 month trial loan modification because this was the only option to stay out of foreclosure, which we did successfully and received a mortgage agreement for a rate of 5.25 %. The initial modification agreement showed it would be 4.25 %. We asked for a second review and were denied for an adjustment after the review. 

We have no intentions to default on our loan, nor do we have any intention ceasing making payments. We have always worked hard to keep our credit in good standing. 

XX/XX/XXXX is unwilling to correct our credit, or adjust the rate. There must be some sort of requirement that we were to be properly notified by Wells Fargo prior to cancelling auto pay or changing service providers. 

I have attached the response to our review request which we don't feel is correct.

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 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly to Experian a past due amount of {$6400.00} on the XXXX XXXX XXXXL account number XXXX. This account is currently coded as an I9 and needs to be coded as an I1 and needs to be reported as {$0.00} balance and {$0.00} past due. This account is completely unsubstantiated and was opened fraudulently. I was a small business owner and was lied to and aggressively pursued by a salesman representing XXXX XXXX XXXX. I was told by the leasing agent for the company that I could at anytime within ( 48 ) hours void the lease agreement by simply calling the company back, or I could get out of the contract if I closed my business. I decided shortly thereafter that I did not want to commit to XXXX XXXX XXXX and immediately tried to reach the salesman to cancel the contract. I left numerous voice mail messages as well as email messages to cancel the contract. I never received a telephone call and/or an email response within the ( 48 ) hour time frame. This stalling tactic conveniently exceeded the ( 48 ) hours to cancel this account. This was malicious and on-purpose! I later found out that the documents I allegedly signed were forged. These documents I supposedly signed outlined the cancellation policy, etc. Having never seen and/or had an opportunity to read the documents, I would not have been aware of their underhanded way of doing business. I made the dire mistake of taking the salesman at his word and believing what he told me to be true. I have attached a copy of the multi-million dollar class action lawsuit filed against XXXX XXXX XXXX. This is further evidence that their illegal practice of duping small business owners was, in fact, illegal and fraudulent. I request that Experian remove this line item from my credit report and/or change the coding to an I1 and accurately report a {$0.00} balance and {$0.00} past due. I have tried to contact both XXXX XXXX XXXX and Experian to fix this however, I have not been successful. This incorrect reporting is harming my credit score.

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 2019-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: FL

Complaint narrative:
I have asked to please stretch out my payments for a longer period.they said no can do. {$800.00} loan for 10 months at payments off {$260.00} ea.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: CA

Complaint narrative:
Starting sometime end of XXXX/beginning of XXXX this year, I have had multiple unproductive communications with Great Lakes Loan Servicer when I was trying to get an Income-based repayment. First, they incorrectly told me that I used the wrong application so I resubmitted, then I was told to go back to the old way I did it, and this time they said it was wrong again ( we kept going back and forth and after about 5 different applications they said it was correct ). Then came the next wave of problems : this time the estimates I am given when I submitted my application are different from what I got after it was processed and no one has been able to give a reasonable explanation. In any one day I call and speak to 3 different agents and I can get 3 different answers. I have spoken to regular agents and supervisors. The next problem came when I tried to consolidate loans I have with my last school that had just entered repayment ( these are also federal loans ). The process has taken more than 2 months and I am getting different answers. In the email I received it says that the loans were not processed because I did not fill out the IBR form ( which of course they already have ), and on the phone I was told that they did not get paid because they were in repayment ( but again, these loans were already in repayment ). It seems to me these people do not have any idea what they are doing and sadly they are managing a large sum of money for a lot former students. Something needs to be done ( may be an audit, or shut them down altogether ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2019 I thought I was making a purchase safely through my banking mobile account but it went through XXXX and I later found out the company was fraudulent. Company website XXXX ( XXXX ) has been suspended. I lost {$490.00} through XXXX and called Wells Fargo to file a complaint and was told that they cant get my money back because the transaction was completed! Please help me, I thought I was making a safe transaction but it was a scam!

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 2019-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
I received a debt collection letter in the mail from Stenger & Stenger, P.C., claiming that I owe a {$620.00} debt to a credit card company. Per the FDCPA, within the 30-day period I sent a dispute letter dated XX/XX/2019 to the above supposedly debt collector disputing the mentioned account. The offices of Stenger received my letter on XX/XX/2019 via XXXX certified mail-return receipt. They then responded to my dispute with inadequate information to VALIDATE the debt in accordance with FDCPA and FCRA laws. They failed to provide me with any evidence that they are licensed to collect debt in the State of MI. They also neglected the required 30-day period to respond to my dispute and responded on XX/XX/2019 almost 2 months later! This is preposterous coming from this alleged company claiming to be attorneys at law who should have an understanding of the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: NC

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a balance due of {$77000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a summary report from XXXX XXXX XXXX XXXX regarding my HELOC account. The report was run from XX/XX/XXXX through XX/XX/XXXX. It reports only ( 1 ) payment was transferred via online banking on XX/XX/XXXX with a reporting of a {$0.00} balance on XX/XX/XXXX. No other account activity has occurred through XX/XX/XXXX. This incorrect reporting of a balance due is seriously harming my credit score. This line item needs to report a {$0.00} balance. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THE DISPUTED UNAUTHORIZED INQUIRIES NEED TO BE REMOVED OFF MY CREDIT FILE. THESE INACCURATELY PLACED INQUIRIES SHOULD BE PURGED OFF MY CREDIT FILE FOR I HAD NO KNOWLEDGE THAT THEY WERE ON MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM NOW AT A STANDSTILL IN MY LIFE AND THERE IS SO MUCH I LIKE TO ACCOMPLISH. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRY DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 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: NC

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a balance due of {$77000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a summary report from XXXX XXXX XXXX XXXX regarding my HELOC account. The report was run from XX/XX/XXXX through XX/XX/XXXX. It reports only ( 1 )  payment was transferred via online banking on XX/XX/XXXX with a reporting of a {$0.00} balance on XX/XX/XXXX. No other account activity has occurred through XX/XX/XXXX. This incorrect reporting of a balance due is seriously harming my credit score. This line item needs to report a {$0.00} balance. I have contacted the ( 3 )  bureaus to fix this however, I have not been successful.

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 2019-10-07 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: NC

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly a balance due of {$77000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a summary report from XXXX XXXX XXXX XXXX regarding my HELOC account. The report was run from XX/XX/XXXX through XX/XX/XXXX. It reports only ( XXXX ) payment was transferred via online banking on XX/XX/XXXX with a reporting of a {$0.00} balance on XX/XX/XXXX. No other account activity has occurred through XX/XX/XXXX. This incorrect reporting of a balance due is seriously harming my credit score. This line item needs to report a {$0.00} balance. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2019, I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/2019 as this medical account has been paid for by XXXX. Credit report was reviewed again on XX/XX/2019 and the account is still reflecting on my report and I believe that they are trying to collect on an account that has been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was not paid for in full by XXXX and that all information is correct.

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 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
THE DISPUTED UNAUTHORIZED INQUIRIES NEED TO BE REMOVED OFF MY CREDIT FILE. THESE INACCURATELY PLACED INQUIRIES SHOULD BE PURGED OFF MY CREDIT FILE FOR I HAD NO KNOWLEDGE THAT THEY WERE ON MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: NJ

Complaint narrative:
THE DISPUTED UNAUTHORIZED INQUIRIES NEED TO BE REMOVED OFF MY CREDIT FILE. THESE INACCURATELY PLACED INQUIRIES SHOULD BE PURGED OFF MY CREDIT FILE FOR I HAD NO KNOWLEDGE THAT THEY WERE ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Purchased a ticket with XXXX on XX/XX/2019 and cancelled it on XX/XX/2019. 
The cancellation was over the phone and was successfully competed. 
To be on safe side I also disputed the amount from Citibank card. 
The amount {$890.00} first was credited from my account on XX/XX/XXXX and was charged back to my account on XX/XX/XXXX. 
The document on my account was very clear that merchant has fully hold itself liable for total credit and explained that credit is coming in two amount for total of {$890.00}. 
First amount was {$60.00} which was credited and second amount {$830.00} that was not and still is not credited to my account. 
Called Citibank many many times and talked to their billing disputes with no results. 
Called merchant ( XXXX  ) and they said the credit amount of XXXX has been sent to Citibank. 
Called again and this time talked to one of the disputes specialists named XXXX from Kentucky and she was able to contact the supervisor to track the money and she said that has a very good news for me, my money has been received from merchant and is in hold with Citibank. In two business days I will see the credit on my account and that was eight days ago. 
My complaint is with Citibank which has kept my credit money on hold for no apparent reason.

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 2019-10-07 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: TN

Complaint narrative:
Every year I check my credit just to make sure I'm on target with my goals ; well, this year upon having my credit pulled, I discovered several items that are NOT mine and I'd like them removed as soon as possible. I also took the liberty of contacting the police and FTC for your convenience. These are items from removal : XXXX/XXXX, XXXX, XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: TN

Complaint narrative:
Every year I check my credit just to make sure I'm on target with my goals ; well, this year upon having my credit pulled, I discovered several items that are NOT mine and I'd like them removed as soon as possible. I also took the liberty of contacting the police and FTC for your convenience. These are items from removal : XXXX/XXXX, XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 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: NC

Complaint narrative:
On XX/XX/2018 someone used my information and tried to open an account at XXXX XXXX and XXXX XXXX XXXX. Both applications were denied due to the applicant being unable to submit proof of identity. However the inquires are being reported on my Equifax credit report. I was trying to buy a house in 2018 and these inquires lowered my score affecting my ability to purchase a home at the interest rate I deserve. I filled a dispute with Equifax and the results of the investigation were as follows : Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. It listed the company 's mailing address but not the phone number, so I had to XXXX and wait on hold and be transferred multiple times before I found the right department. After speaking with both companies, I was told that they will submit a request to all 3 bureaus to have the inquiry removed. I waited 90 days as instructed then checked my report on XXXX XXXX. The inquires were still being reported. I have called Equifax, XXXX and XXXX XXXX XXXX 6 times since this and the issue still has not been resolved. This is not only frustrating but preventing me from giving my children a home. This is unfair and if this is not handled soon I will take this to the media. I'm sure XXXX would run a feature on it considering I have documentation, emails and recorded phone calls. It should not be this hard to remove fraudulent inquiries.

Company response to consumer: Closed with non-monetary relief