vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX Wells Fargo XXXX Wells Fargo One of  these complaints is still open, and I have written you and you have contacted Wells Fargo. 
Even though I was offered a modification by Wells Fargo for {$2700.00} monthly mortgage, and they took my money ( more than {$13000.00} ) to satisfy the 3 trial modifications payments, as explained in the previous complaint in XX/XX/2018, they sold my mortgage to ( XXXX XXXX XXXX ) XXXX who is charging even more ( {$2900.00} per month, which may be adjusted ). See attached modification offer documents from Wells Fargo and the one I received I today from XXXX. The Wells Fargo did make my mortgage more affordable and now they made it worst. {$110.00} extra per month is {$1300.00} per year or {$52000.00} over a 40-year mortgage. After giving them money from our small savings and borrowing {$4000.00} to cover the trial payments and current payment, they said I acted in bad faith because I did not provide a copy of a rental lease and other papers. After offering the trial modification, the need for the homeowner to provide more and more documents is past. So the whole acting in bad faith is a false claim and excuse to renege on the offer. It is also false advertising for the new campaign of " Wells Fargo/renew. '' I hope you will fight for me, as you have done for others who were treated unethically and criminally by Wells Fargo. I can not pay any lawyers. Sincerely, 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 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
AmSher is attempting to collect on a debt that I do not owe. I mailed a certified debt validation letter to their company requesting specific documentation to validate the debt which are a signed contract with my signature binding me to this debt that they are claiming I owe. Also I asked for information regarding how much they paid for the debt, and other important documents which I have not received therefore the debt has not been validated. AmSher only sent an account summary no signed contract. By law the FCRA requires debt validation which has not been done by AmSher they are in violation with the FCRA and I will file a lawsuit if this debt is placed on my credit reports!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I only made 2 transfers beginning with XX/XX/XXXX. I transferred exactly XXXX over to my checking which then the balance was XXXX. 
My savings was XXXX and sum even number like XXXX. Exactly When I went to make the XXXX transfer which was today for XXXX to pay my bills they told me my savings balance was XXXX even after 3 people admitted something was wrong they then transferred me from Fraud to Comprimisr who then lied and tried to keep it stolen by lieing even further after the previous three admitted to there being a problem with the missing funds that just somehow went unaccounted for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BBVA FINANCIAL CORPORATION
State: LA

Complaint narrative:
Purchased a new vehicle and was financed through BBVA Compass in XX/XX/2015. Ran into a hardship a little bit after purchasing the vehicle. I was denied help for the longest due to it being a new loan. This loan has damaged my credit tremendously. I have almost close to {$1200.00} dollars in late fees which should be against the law. Just recently they did grant me an extension due to me owing the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AmeriCollect
State: WI

Complaint narrative:
Americollect claims I owe money for a medical bill. They placed several calls to my employer but did not call me. When my employer returned the call Americollect informed them that they were attempting to collect a debt from me. I called Americollect and they informed me that my work number was what they had for contact information, but I have never given my work number to anyone - I did not even know the number and had to look it up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have received a forbearance and XXXX has still reported that I have lates on my credit report from XX/XX/XXXX through XX/XX/XXXX. My loan was in forbearance at the time

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 2018-06-05 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: TX

Complaint narrative:
I have received a forbearance and XXXX has still reported that I have lates on my credit report from XX/XX/XXXX through XX/XX/XXXX. My loan was in forbearance at the time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have received a forbearance and XXXX has still reported that I have lates on my credit report from XX/XX/XXXX through XX/XX/XXXX My loan was in forbearance at the time

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 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aspen National Financial, Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX is saying i owe {$3800.00} to XXXXXXXX XXXX XXXX XXXX. i was never informed about this debt and i believe it to be fraud. i have never been contacted by them or anyone about this debt. Im trying to get all my debt dealt with and gone. I was unemployed for over a year and i just got a job and im working really hard to get all of this dealt with so i can get a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA violation no knowledge inaccurate accounts appeared on my Experian credit report. FTC ID Theft report # 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 2018-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: MI

Complaint narrative:
XXXX XXXX opened 7 fraudulent accounts, where they list me as a cosigner. All the applications contain mostly false information about me ; e-mail, employer, income, assets, mortgage, citizenship status, electronic signature, etc. 

The loans were approved by XXXX XXXX, based on applications that were completed and signed only by the borrower without my knowledge, permission or authorization. 

Following a previous complaint, XXXX XXXX investigated the fraud, and based on evidence I provided, they accepted my allegations of identity theft. My name was removed from 6 out of 7 fraudulent accounts. 

XXXX XXXX did not remove my name from account XXXX, because, they claim it was obtained with my knowledge, permission and authorization. 

This is inaccurate, it was obtained without my knowledge, authorization, permission or signature. 

According to page 1, Section C on the application, my knowledge and my signature are required for this application to be approved by XXXX XXXX. The borrower completed this application, same as the others, as XXXX XXXX knows, with false information about me and her signature, without my knowledge or signature. 

XXXX XXXX knows the borrower filled and signed as the borrower and as the cosigner. 

Since the loan was approved based on fraudulent misrepresentation. I do not understand why XXXX XXXX did not remove me from this account like the others. 

I want to be removed from this account, and remove it from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA violation no knowledge inaccurate accounts appeared on my Transunion credit report. FTC ID Theft Report # 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 2018-06-05 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: CORELOGIC INC
State: MI

Complaint narrative:
XXXX XXXX XXXXXXXX ran my credit without my permission back on XX/XX/XXXX, and they used Corelogic Credco to do it. I reported XXXX XXXXXXXX XXXX to the CFPB on multiple occasions in XX/XX/XXXX/XX/XX/XXXX, and  they said they would have Corelogic Credco remove the hard inquiries. Corelogic Credco was supposed to have the hard inquiries removed from my report all the way back in XX/XX/XXXXof this year, but they haven't. XXXX still has the hard inquiry from them. I contacted Corelogic Credco on XX/XX/XXXX, and they said I needed to submit a written request to them to give to XXXX  to remove the hard inquiry. I sent it via email ( Corelogic Credco said it was acceptable ), but over a month later, the hard inquiry from XXXX  is still on my report, and I've been dealing with the whole situation for over half a year. Attached is the email I sent in XX/XX/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 2018-06-05 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: TX

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT On XX/XX/XXXX,  Equifax reported to Consumer Financial Protection Bureau that they deleted addresses listed in the original complaint submitted. They did not Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX As of today, those fraudulent addresses, which were included in Identity theft Affidavits and a police report, are still reporting to my credit report. I contacted Equifax again today and was told they would file a dispute and it would take another 30 days to remove the addresses and the collection. But they reported to the CFPB that they were already removed on XX/XX/XXXX. 

Equifax has not followed the laws and have also performed a dishonest act by providing the CFPB with false information. 

They are also reporting XXXX XXXX XXXX XXXX XXXX   that was removed because the entire debt was paid. This is inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I applied for school however became XXXX with XXXX and for medical reasons I withdrew.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I paid my American Express balance in full between 2 payments - 1 ) XX/XX/XXXX {$300.00} in rewards cash and 2 ) XX/XX/XXXX {$11.00} in online payment from by bank account. Balance due on my account was {$310.00} from my statement printed XX/XX/XXXX with payment due date of XX/XX/XXXX.

American express credited my account by {$310.00} ( paid in full ), but is reporting my account as 30 days past due because I used American Express reward dollars as part of my minimum due ( {$35.00} ). My account has been paid in full nearly EVERY month since XX/XX/XXXX. My XX/XX/XXXX statement shows my account paid in full of {$310.00}, but American Express is not honoring their own reward dollars as payment.

I made a similar combined payment for myXX/XX/XXXX statement - {$150.00} in rewards dollars and {$19.00} ( minimum payment was {$35.00} ) from my bank account and American Express accepted my payments as bringing my account to a XXXX balance and did not increase my minimum due.

I have paid my account in full - {$150.00} in debit from by bank account and need my reward dollars back from American Express in the form of a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America ran my credit without my permission back on XX/XX/XXXX, and they used XXXX XXXX to do it. I reported Bank of America to the CFPB on multiple occasions in XX/XX/XXXX/XX/XX/XXXX, and they said they would have XXXX XXXX remove the hard inquiries. XXXX XXXX was supposed to have the hard inquiries removed from my report all the way back in XX/XX/XXXX of this year, but they haven't. XXXX still has the hard inquiry from them. I contacted XXXX XXXX on XX/XX/XXXX, and they said I needed to submit a written request to them to give to XXXX to remove the hard inquiry. I sent it via email ( XXXX XXXX said it was acceptable ), but over a month later, the hard inquiry from XXXX is still on my report, and I've been dealing with the whole situation for over half a year. Attached is the email I sent in XX/XX/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 2018-06-05 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: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
This company has repeatedly reported this item incorrectly on my credit. I'm dealing with a debt settlement company that specializes in this hard money, very high interest loans in settling them so the creditor doesn't take a complete loss via bankruptcy. I didn't want to file because I felt there was another way to do this. They've been taking payments since last XXXX and are scheduled for the last payment to take place in the amount of {$700.00} this month. Then the debt is considered paid as settled. Yet they continually keep updating the credit bureaus stating the account is charged off for over $ 4K! It's not true and this is the 3rd time I've had to report them for inaccurately reporting this account on my credit. It's wrong on all 3 bureau reports. The agreement they signed is attached as proof yet again, that this very slimy company continues to pretend they don't know exists. I would suggest contacting their corporate office who is the one that made the agreement, without the knowledge of their rogue collection dept. who keeps trying to say I owe them more and the account was charged off. If they don't fix it I will find an attorney and have the item permanently removed from my credit. If they put it back on after that as a charge off then I'll be happy to sue them! They've repeatedly violated this agreement!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I went from NO CREDIT SCORE to XXXX one year and a half by paying my obligations ahead of time, higher then required payments. I have NEVER MISSED a PAYMENT, ALWAYS PAID MORE than PAYMENT DUE! 

THIS CAN NOT BE VALIDATED BY SOME COMPUTER FORMULA! 
ALL AMERICANS ARE DIFFERENT, UNIQUE AND DESERVE TO BE TREATED AS SUCH! THERE IS NO COMPUTER FORMULA THAT CAN VALIDATE THESE CREDIT AGENCIES REACHING THEIR SO-CALLED DATA MAKING DECISIONS and only " FOOLS '' who believe they CAN! Credit Agencies have shown to be lax in acquiring current accurate data on EACH AMERICAN CITIZEN! Make it next to impossible to correct that data! EVEN POORER SECURITY for this DATA! These Credit Agencies ARE NOT BETTER THA XXXX WHEN IT COMES TO HANDLING-SECURING OUR DATA! AT LEAST XXXX ACKNOWLEGED IT! 

How Disparaging-WHY SHOULD ANYONE TRY TO MAINTAIN THEIR CREDIT SCORES WHEN HAVING YOUR CREDIT SCORE CHANGE with a SEGREGATIONIST ATTITUDE, which decribes CREDIT AGENCIES. 

IT SEEMS THAT AMERICAN CITIZENS, WHO HAVE INCOMES LESS THAN A MILLION PER YEAR! THESE Agencies are Biggoted! THEY WILL RUIN A PERSONS CREDIT BY USING FORMULAS THAT DO NOT APPLY TO EACH AMERICAN CITIZEN AS AN INDIVIDUAL-SEGREGATIONIST! 
These credit agencies believe the general public ( American Citizens ),  DESERVE HAVING A BAD CREDIT SCORE-EVEN THOUGH YOUR CREDIT SHOWS NO MISSED OR LATE PAYMENTS! THEIR HYPOCRISY ONLY PADS THEIR POCKETS AND RUINS AMERICAN LIVES ; CAUSING STRIFE TO AMERICAN CITIZENS WHO DESERVE MORE, CAUSING POOR ECONOMICS FOR AMERICAN CITIZENS! 

I Charged instead of paying CASH from SAVINGS. MY CREDIT CARDS are INTEREST FREE still for almost a year. I am saving money collecting interest on my savings account! 
DOES THIS SOUND LIKE A XXXX CREDIT SCORE PERSON? 

I SURMISE THESE CREDIT AGENCIES DROP A PERSONS SCORE TO BENEFIT From Companies Who Charge More FOR LOW CREDIT SCORES! 
I was talking to XXXX XXXX on XX/XX/18 and my credit score dropped to XXXX. I WORKED EXTREMELY HARD FOR THAT CREDIT SCORE OF XXXX! 

I was advised by Credit Agency to get a couple of credit cards to help build my credit score faster! I did and got SHAFTED for doing so!

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 2018-06-05 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: FL

Complaint narrative:
I submitted a dispute to XXXX  for the account XXXX XXXX XXXX XXXX XXXX that is outdated and DATE OF LAST DELINQUENCY WAS XX/XX/XXXX WHICH WHEN ACCOUNT WHEN 30 DAYS LATE THEN LEAD UP TO CHARGE OFF IN BANKRUPTCY. It was sold to a collection agency and is now over 7 years old. XXXX  and XXXX XXXX both deleted the account. Experian failed to remove item after providing sufficient information showing inccuracy, they then reaged the activity date and still are reporting the account. I supplied the original creditors reporting on credit which showed the XX/XX/XXXX date. This account per the FCRA needs to be deleted as no activity has been made on collection account such as payments or validation. The company is XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX. I am attaching original creditor reporting before it was deleted. 

Also XXXX XXXX is reporting several 30 day late pays on all 3 bureaus however i attempted to pay all on time but XXXX XXXX blocked online payment access, has not processed any bill pay payments submitted and will not return my phone calls and hangs up on me when i try to call to make payment. Complaints also have been filed against the company. There are many others who are experiencing the same issues with this company and i also have a pending complaint with the CFPB REGARDING THIS MATTER! See attached documents regarding this account and issues i experienced.

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