vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Weve had an FHA Loan through Wellsfargo since XXXX, in XXXX I retired from the XXXX XXXX XXXX, During the 4 months that I was forced to wait for a new job to start, we communicated with Wellsfargo About making payments. To which we were Assured that THEY Work with Vererans and we could Count on Them To Process the paperwork and Help Us. Well After 8 Months We Ended Up Paying The Owed Money with our Taxes, Because THEY Said we didnt Qualify For The Help. Now Here We Are In XXXX On XX/XX/XXXX Hurricane IRMA hit And our house was/is Damaged. We were told that XXXX XXXX and XXXX House Payments would be suspended, and could be DEFERRED to the End of our loan. We applied Right Away to have that done, but were told we would have to wait until the End Of The 90 Days. We were CURRENT on our Payments Before And We Started RIGHT After the 90 Days. Wellsfargo Assured Us AGAIN that they would be able to help us. Well we have EMAILED the Paperwork 4 times!! FAXED the paperwork 3 Times. AFTER all of these months I WENT AHEAD AND PAID THE PAST DUE AMOUNT IN FULL.. After CASHING A 401 K That I Took PENALTIES ON COSTING 1000s And on XX/XX/XXXX Wellsfargo REPORTED Our LOAN AS DELINQUENT! So our House Is STILL DAMAGED but We Cant RENT NOR CAN WE BUY A NEW HOME Because OUR CREDIT IS DAMAGED AND IN LIMBO!! Even though WELLSFARGO has Supposedly Been Working On Helping Us, And If Thats True, Why Report It?

I Believe Its A SCAM Because AS USUAL they Say There Are Problems With The Paperwork ( Hench the 7 PLUS Times Weve Sent Them The Paperwork ) They XXXX With People Until They Get The Money Anyways And Ruin Peoples Credit SO YOU CANT GET A LOAN WITH ANYONE ELSE!! Even when I Made The Payment, They Only Take Checks.. After I Told Them The Routing Number AND They Repeated It Back, THEY TYPED IN THE WRONG ACCOUNT NUMBER!! So after Waiting 2 WEEKS for the 90 Days Back Payment To Clear My Checking Account.. I HAD TO CALL THEM TO FIND OUT WHY IT HADNT CLEARED! So NOW I have to Wait Another 3 TO 5 BUSINESS DAYS for THIS Payment to go through!! In the meantime MY WIFE OUR 2 DAUGHTERS AND Myself ARE HOMELESS!!! And we CANT MOVE INTO A NEW PLACE UNTIL WELLSFARGO UPDATES C.A.I.V.R.S.!!!!!!!!!

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 2018-03-21 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: CA

Complaint narrative:
In correspondence dated XX/XX/18 I sent this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. 
In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either. 
this is the frivolous account ; XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In XX/XX/XXXX I became delinquent on my consolidated student loan. In XX/XX/XXXX this information was reported to credit reporting agencies. For example my Transunion report shows Maximum Delinquency of 90 days in XX/XX/XXXX. My XXXX reports shows this same account updated with the following information on XX/XX/XXXX. Date of first delinquency : XX/XX/XXXX. I do not dispute the above information. Given this accurate information, these accounts should be excluded from my credit reports in XX/XX/XXXX. XXXX does not report this original account. 

This account was transferred for collection within the Department of Education.  The collection account is being reported to XXXX, XXXX, and Transunion. The date of first delinquency being reported on the collection account is XX/XX/XXXX. 

This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency I disputed the date of first delinquency information provided in the collection account with XXXX, XXXX, and Transunion. The Department of Education verified the information as accurate. 

I called the Department of Education on XX/XX/XXXX after receiving results of disputes. I spoke to a representative explaining that the account was first reported as delinquent on XX/XX/XXXX therefore it was inaccurate for DOE to now report date of first delinquency as XX/XX/XXXX. The representative explained to me that XX/XX/XXXX is when the account was transferred to them and that is why they were using that date. I explained that it didnt matter when they received the account that the date of first delinquency had already been established. The representative refused to make any changes saying Im not an attorney.

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 2018-03-21 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: OK

Complaint narrative:
In XXXX of XXXX I became delinquent on my consolidated student loan. In XXXX of XXXX this information was reported to credit reporting agencies. For example my XXXX  report shows Maximum Delinquency of 90 days in XX/XX/XXXX. My Equifax reports shows this same account updated with the following information on XX/XX/XXXX. Date of first delinquency : XX/XX/XXXX. I do not dispute the above information. Given this accurate information, these accounts should be excluded from my credit reports in XXXX of XXXX. XXXX  does not report this original account. 

This account was transferred for collection within the Department of Education. The collection account is being reported to XXXX, Equifax, and XXXX. The date of first delinquency being reported on the collection account is XX/XX/XXXX. 

This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623.  Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency I disputed the date of first delinquency information provided in the collection account with XXXX, Equifax, and XXXX. The Department of Education verified the information as accurate. 

I called the Department of Education on XX/XX/XXXX after receiving results of disputes. I spoke to a representative explaining that the account was first reported as delinquent on XX/XX/XXXX therefore it was inaccurate for DOE to now report date of first delinquency as XX/XX/XXXX. The representative explained to me that XX/XX/XXXX is when the account was transferred to them and that is why they were using that date. I explained that it didnt matter when they received the account that the date of first delinquency had already been established. The representative refused to make any changes saying Im not an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: OK

Complaint narrative:
In XX/XX/XXXX I became delinquent on my consolidated student loan. In XX/XX/XXXX this information was reported to credit reporting agencies. For example my XXXX report shows Maximum Delinquency of 90 days in XX/XX/XXXX. My XXXX  reports shows this same account updated with the following information on XX/XX/XXXX. Date of first delinquency : XX/XX/XXXX. I do not dispute the above information. Given this accurate information, these accounts should be excluded from my credit reports in XX/XX/XXXX. Experian does not report this original account. 

This account was transferred for collection within the Department of Education. The collection account is being reported to Experian, XXXX, and XXXX. The date of first delinquency being reported on the collection account is XX/XX/XXXX. 

This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency I disputed the date of first delinquency information provided in the collection account with Experian, XXXX, and XXXX. The Department of Education verified the information as accurate. 

I called the Department of Education on XX/XX/XXXX after receiving results of disputes. I spoke to a representative explaining that the account was first reported as delinquent on XX/XX/XXXX therefore it was inaccurate for XXXX  to now report date of first delinquency as XX/XX/XXXX. The representative explained to me that XX/XX/XXXX is when the account was transferred to them and that is why they were using that date. I explained that it didnt matter when they received the account that the date of first delinquency had already been established. The representative refused to make any changes saying Im not an attorney.

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 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc.
State: TN

Complaint narrative:
I have no knowledge concerning debt with SCA Collections Inc

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 2018-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
My wife and I consolidated our student loans in XXXX and made our first payment on XX/XX/XXXX. We borrowed ( consolidated ) {$21000.00} for the total amount. The interest rate is 8.125 % and is daily accruing interest. Though we had several periods of forbearance, we have paid a total of {$32000.00} in total with only {$6900.00} applied to principal and {$24000.00} of interest and {$750.00} in late fees. We STILL OWE {$25000.00}. Something just doesn't seem right with paying this much and getting nowhere. 

We just made a call to Navient ( XX/XX/XXXX ) to get some explanation and the numbers did not make sense when the representative was attempting to explain. He said the interest was computed differently on one payment we were discussing because of the time of year it was when we made the payment.Once my wife called and they overcharged us on a late fee by {$12.00}. She only caught it because something did not seem right and she was tracking our account daily. We do not have the time to check behind Navient daily to see if they are doing something not right. We even pay about 10 days early now and it does not make a difference in the amount that goes to the principal. I just can't understand how we borrowed {$21000.00} and will be paying back {$57000.00}. Please help us find out what is going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Federal Pacific Credit Company, LLC
State: MD

Complaint narrative:
on XX/XX/2013 an account was sold to an unknown company ( Federal Pacific Credit Company ) I asked the Federal Pacific Credit Company to validate debt instead they sent me information from another company called XXXX XXXX and not Their company Federal Pacific Credit Company. I did not receive nor sign a contract with Federal Pacific Credit Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I have repeatedly requested information from XXXX   XXXX XXXX, XXXX ( " XXXX '' ) regarding payment due dates and loan statements. Specifically, I currently receive no notice, either through email or regular mail, about payment due dates. Further I receive no notice about when a statement is available for download from the XXXX website. 

I reached out to XXXX on the following dates asking that it fix the problem : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX has either ignored my inquiries, provided non-responsive answers, or incorrectly stated that the problem had been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have contacted them repeatedly to get negative past 30-60 days late off my credit report. I have paid on-time and have never gone past 30 days. They will not look at it or help me with anything. I was also part of the XXXX  scam and I had charges on my credit card that were not mine and so I had balance that was not mine and they did not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I do not recognize this hard inquiry that appears on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
In XX/XX/XXXX I received a lawsuit from Kings credit services for the amount of {$880.00} for a medical bill from the provider in XXXX of XXXX. My insurance was provided at time of visit and other bills ( hospital and radiology ) were paid. 
Kings credit services never informed me that this bill was never submitted to my insurance. They stated it needed to be paid by me and I never provided my insurance to the hospital. My insurance investigated this and was informed by the hospital I had a zero balance. In XX/XX/XXXX a judgement of default was placed against me for the amount of {$1100.00} from Kings Credit Services, they added interest. I was informed on XX/XX/XXXX from the Collection agency that they cant wait for XXXX to pay the bill even though the provider never billed my insurance because they placed a judgement against me and they are threatening to garnish my wages.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
We entered into an agreement w/Guaranteed rate, inc. to refinance our home in XX/XX/XXXX. We were upfront with our issues, a Bankruptcy ( discharge XX/XX/XXXX ) and bad credit.. They pulled our credit on XX/XX/XXXX. said they could go forward knowing this situation, to get us refinanced. We paid {$620.00} for an appraisal of the property on XX/XX/XXXX to guaranteed rate, inc. The appraiser didnt have cards so I didnt get his name. We have never received a copy of this appraisal. we were told it was good to proceed. They proceeded to have us jumping thru hoops for another 6 months, resubmitting documents, negotiating with XXXX regarding the settlement of HELOC acct that was discharged in bankruptcy. 
I negotiated with XXXX our mortgage holder to settle that acct. 3 times they let this offer expire, with increases in penalty fees from XXXX. So now XXXX will not honor the settlement agreed to with them. I called KYHC to get their account to subordinate, to the new loan. I did all the aspects of getting our situation in order. Including another appraisal, that guaranteed rate were going to cover ( probably added into the closing costs at the end ). We received a copy of the 2nd appraisal cause I asked appraiser to send it to me. When they let the last offer from XXXX and the appraisal expire, I called all the contacts at the XXXX office to get info. I was ignored for more than a week. Finally, my calls were answered, and said they couldnt do the loan, because our lack of good credit and bankruptcy. So I asked them to explain, they said, that XXXX was reporting the HELOC as late, not on time, this is the acct that was discharged. Plus our 1st mortgage also with XXXX isnt reporting as paid as agreed, on time. because it also was discharged in the bankruptcy. Which they knew up front from us, & from the first pulled credit report on XX/XX/XXXX. yet they took money from us for appraisal, and jerked us around for 6mos. If they had denied us then, there would not be a problem. but someone took our money. jerked   us around for 6mos.

I would like to get a refund of the original appraisal fee of {$620.00}. Loan #

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
SunTrust Bank ruined my credit by reporting me to a nationwide credit agency falsely stating that I was Transacting ( or attempting ) to transact ) with an account in an unauthorized or prohibited manner. SunTrust took a verbal statement from my disgruntle ex-husband as a fact and reported me to the credit agency without verifying or giving me the opportunity to defend the allegation. After 6 letters I have sent to SunTrust Bank they can not explain logically why SunTrust did it but they did it but they refuse to remove the false statement from my credit records. This has caused that I can't get any credit with any agency as well as any bank. My Checking and Savings accounts were closed due to SunTrust Bank actions. SunTrust has clearly committed defamation against my name and therefore against my credit which caused me tremendous financial harm.

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