vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL

Complaint narrative:
Due to financial hardships I filed for bankruptcy about a year and a half ago ; however, I reaffirmed the debt I owed to XXXX XXXX for an engagement ring. During the bankruptcy Weltman, Weinberg and Reis, LPC acquired the debt after the debt changed hands at least twice. I am unsure why a debt collector acquired the debt that I reaffirmed an agreed to pay under the initial terms. Weltman increased the balance I initially owed by {$700.00} ; stating that they did not receive some of the payments. I even asked if the {$700.00} is a fee that Weltman is charging me to service the debt and was informed that it is not. I contacted the company who had the debt initially ( XXXX XXXX ) after XXXX finance company and was informed that the amount due that Weltman continues to provide to me is incorrect. I contacted them most recently last week and was informed that my balance is slightly over {$1400.00}, but Weltman indicates that it is almost {$2100.00} and counting ( with daily interest added ) Weltman however, refuses to correct this error. The debt was reaffirmed ; which means that I agreed to pay it under the same terms as previously agreed to when I initially acquired the debt from XXXX. Lastly, Weltman adds additional interest daily, to the balance owed ; even though I continue to make on-time monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: DISCOVER BANK
State: NY

Complaint narrative:
To Whom It May Concern, Back In XX/XX/ 2019 I had a late fee from Discover Card. I called right away and the late fee was to be removed. It has now been to months and the late fee has not been removed. I have always paid on time and have called Discover again which they assured me it would be removed. From looking at my credit report it appears it was never removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: AR

Complaint narrative:
To whom it may concern I have obtain these student loans during the time when I was younger, just leaving my parents home and thought I could take over the world. As a result of poor judgement and miss leading information from my loan lender, Navient, It has lead me to filing bankruptcy three time and little to no options in a way of survival for me and my household. 

I'd call the student loan provider and ask them to give option on what to do if you are on a fixed monthly payment would be with the longest extended repayment program, which is up to 25yrs. Standard payment plan for student loans is 25yrs to 30 years brings the payment well over XXXX per month. That is something that I can never afford. 

Going to school, getting a great job and obtaining home ownership is the American dream. But for me currently it is unobtainable. I have recently read about the lawsuit that Navient was in and I too would like to be added like many others to the list to have my loans removed from my credit bureau and be free of the monster of student loans. Over XXXX of my students loans are with this company and many like it that have preyed on the weak just to get an education. 

I have a high debt ratios due to student loans, deferred student loans are not factored into your DTI, you do not have waiting periods after a bankruptcy. However, you will need a min. of 640 scores, you will need a higher down payment, and your DTI must be on point. Which I don't have. Many employers look at your credit in order to give you employment. And since I don't have that either it is a win win situation for me. 

I would like to petition to have my student loans removed, deleted and permanently take off my credit. My life would be so much manageable where I can build a better life for my family and live the American dream. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: MO

Complaint narrative:
XXXX, XXXX  and Transunion are reporting incorrect information on my credit report. The credit bureaus are not sending me any verification of any of these debts belonging to me. I recently just disputed these items listed below, and asked for proof of these accounts belonging to me but have not received any verification of me having any contract with any of these creditors. 

XXXX  XXXX XXXX XXXX- {$1500.00} XXXX XXXX/XXXX XXXX- {$1100.00} XXXX/XXXX XXXX XXXX- {$0.00} XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- type debt buyer XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/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 2019-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, Citibank sent me a flyer offering a XXXX XXXX miles reward for opening a new checkings account and meeting a few bank activities such as monthly bill payments. 90 days after I met the requirements for the promotion, approx in XX/XX/XXXX, I got an email from Citibank confirming that I earned the reward, and that it was going to be credited in my Aadvantage account within 30 days. However, it has been more than 2 months and Citibank has not done anything about it. 
I contacted Citibank but they sent me useless information that did not help solving this 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 explanation
Consumer complaint received 2019-03-18 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: NY

Complaint narrative:
To Whom It May Concern, Back In XX/XX/2019 I had a late fee from XXXX Card. I called right away and the late fee was to be removed. It has now been to months and the late fee has not been removed. I have always paid on time and have called XXXX again which they assured me it would be removed. From looking at my credit report it appears it was never removed.

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 2019-03-18 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: NY

Complaint narrative:
To Whom It May Concern, Back In XX/XX/2019 I had a late fee from XXXX XXXX. I called right away and the late fee was to be removed. It has now been to months and the late fee has not been removed. I have always paid on time and have called XXXX  again which they assured me it would be removed. From looking at my credit report it appears it was never removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I put money in and they took money the day after the date of transaction. Taking income deposited to avoid bank closing. Therefore had fees and harassment from Wells Fargo then they closed my account after they tried to explain nothing further and not responding to the date of deposite and debit from account. I owe Wells Fargo and I want the bank back because I like Wells Fargo. This all happened when the DOJ investigates them and I'm one of the customers who suffered. Can I get some help?

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 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On the date of XX/XX/2019, I went to a auto company ( XXXX XXXX XXXX  in XXXX, OK ) hoping to finance a car through them. Going in their oblivious to what they were trying to pull, they said things to me that weren't true. They told me they needed money ( {$100.00} ) to put an application through, which was false. They also told me and advertise, that they in fact do not run credit. Me being a first time buyer, heard that and went through with it. Turns out, they ran my credit and it left me with a hard inquiry on my credit report. Had I been told, they in fact will run my credit, I would've walked out the door. Me and my mother both called them, and the sales man told me they do not run credit, yet my report says otherwise. We asked to speak with the manager or supervisor and he then said they do run credit and he will speak with the salesman about the false information he gave me. Apparently their was nothing more they can do at that point. Very ignorant, lazy, and poor communication going on in that business. They clearly just wanted to make a sale and took advantage of a first time buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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:
To Whom It May Concern, On XX/XX/2018 I am being hit with a hard inquiry I never authorized said Inquiry from XXXX. I never signed any paper or document allowing them to run my credit. I would like this removed from my file. Unless further proof can be shown. I have no knowledge of this.

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 2019-03-18 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: SC

Complaint narrative:
There are several accounts falsely reported to my credit report. I complained to the FTC, and directly to the credit bureaus. I submitted copies of my DL, SS Card, Current Bills, ETC all to prove my identity. I asked them to match the signatures on my DL with the signatures on the accounts falsely opened in my name. 

-XXXX XXXX XXXX XXXX XXXX : {$3400.00} -XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} -XXXX XXXX XXXXXXXX : {$330.00}

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 2019-03-18 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: SC

Complaint narrative:
There are several accounts falsely reported to my credit report. I complained to the FTC, and directly to the credit bureaus. I submitted copies of my DL, SS Card, Current Bills, ETC all to prove my identity. I asked them to match the signatures on my DL with the signatures on the accounts falsely opened in my name. 

XXXX XXXX XXXX XXXX XXXX : {$3400.00} XXXX   XXXX XXXX XXXX XXXX XXXX {$120.00} -XXXX XXXX XXXX  XXXX {$330.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK
State: AL

Complaint narrative:
I started an application process on XXXX for a secured discover card, during the process i notified them i had to stop the application due to a family emergency i was notified of during the process and the agent assured me it would not proceed. I informed them that the funds needed to open the account also would not be available as i would need it to take the emergency trip to Montana. I later learned that they did not stop the application and tried to take the funds from my bank over drafting me on XXXX. On the statement they sent shows the account was open on XXXX XXXX without any secured funds or my permission to proceed and closed on XXXX, i have the statement they have sent me but on my credit report it shows opened on XXXX and closed on XXXX, all of this also resulting in dropping my score over XXXX points. They also sent e a statement as if I had an account and a card i never received a card, I sent all of these documents to your department dated XXXX, I have never received a response and Discover refuses to look at all the contradicting dates and resolve this issue. I have been writing them and all credit bureaus and no one will look at the dates. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX has been reporting on my Equifax report for over a year. I disputed this over and over because this debt does not belong to me. There were 2 inquiries on my report from them as well I also disputed those and they were removed. This debt with XXXX XXXX has not been removed and is negatively impacting my credit score. I currently have them under another dispute and Equifax suggested I file a complaint as I've disputed this over 10 times. This debt is not mine I have never applied for any credit, good or services with this company. I have a fraud alert on my credit account because of this very reason I believe my personal information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: IL

Complaint narrative:
I reviewed my TransUnion Credit report and submitted a request to validate hard inquiries on my credit report that were not recognized as authentic or authorized. 

Transunion sent a form letter dated XX/XX/2019 indicating that inquires remain on my credit report for two years with no credible investigation and an incomplete answer to the disputed inquiries on my credit report. 

They also solicited me to sign up to their free " XXXX  '' protection service.

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 2019-03-18 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: NY

Complaint narrative:
To Whom It May Concern, On XX/XX/2018 I am being hit with a hard inquiry. I never authorized said Inquiry from XXXX. I never signed any paper or document allowing them to run my credit. I would like this removed from my file. Unless further proof can be shown. I have no knowledge of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: MO

Complaint narrative:
XXXX, Experian and XXXX are reporting incorrect information on my credit report. The credit bureaus are not sending me any verification of any of these debts belonging to me. I recently just disputed these items listed below, and asked for proof of these accounts belonging to me but have not received any verification of me having any contract with any of these creditors. 

XXXX XXXX XXXX XXXX- {$1500.00} XXXX XXXX/XXXX XXXX- {$1100.00} XXXX/XXXX XXXX XXXX- {$0.00} XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- type debt buyer XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/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 2019-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased a home in a planned community in XX/XX/2017. First, the builder prequalified my wife and I not including all taxes. I believe the escrow company proceeded to give the lender incorrect figures, not including all future taxes, which led to an escrow shortage of {$9000.00}. The lender now wants this money immediately for their mistake. Multiple neighbors in my track that bought from same builder and used same escrow company are experiencing the same problem. All of our lenders are demanding these escrow shortages immediately. I fear I will lose my home along with other neighbors in this track. I am currently having to refinance my home just to pay for this shortage and just to be able to stay in my home. Its costing me over 15 thousand to refinance my home.

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 2019-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
Multiple complaints filed here, not sure why I even bother. Company basically just says sorry and lies about how theyre fixing it. Usaa is continuing to ruin my credit even though theyve taken unauthorized funds from my account and refuse to fully address the issue. This is criminal and it needs to be addressed and they need to fix the unfair credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
On XX/XX/2019, Midland Credit Management called me at XXXX PM, they did not leave me a message as I pressed ignore. I received a second phone call XXXX minutes later at XXXX PM on XX/XX/2019, I pressed ignore and again they did not leave me a message. They have been calling me repeatedly for days on end every time not leaving me a message. I do not know why they are calling. I searched for the phone number they are calling from XXXX and that is how I have gotten their name. I do not have any business with them. The amount of times they are calling is bordering on harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 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:
The payment is showing late on XXXX XXXX by mistake. I would like a proper investigation.

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 2019-03-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Our loan was transfer from XXXX XXXX XXXX to Specialized Loan Servicing.  We made the XXXX payment to XXXX, but SLS send us a default notification and told us they were proceeding with foreclosure. My wife and I tried to call them on the phone and only once was my wife able to talk to someone and they refused to talk to her because my name was on the loan but she never had a problem with XXXX. We never received a normal loan statement from them in XXXX or XXXX, and we just received late payment and default notices. We have proof our payment in XXXX cleared to XXXX, but SLS says we haven't made a payment since XXXX. Every phone number SLS publishes on their website to call to talk to a person only leads to an automated system with no live person options unless you select the 3rd Party option which we are not 3rd Parties. They now want to foreclose on us before we have even made one payment to them. Our mortgage is {$420.00} per month and they want to charge almost {$600.00} in late fees and we can't even talk to them. Now they are starting foreclosure procedures even though we are only one payment behind because my wife didn't send the payment because she couldn't talk to them about the first payment that she sent to XXXX that they say they never received.

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 2019-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I applied for a loan with them. They approved me for XXXX. On the approval letter they said there is a guarantee XXXX $ if they couldnt close. After 1 week of opening the escrow they denied my loan. Im asking for the XXXX.

Company response to consumer: Closed with monetary relief