vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Recently I applied for a credit card thru  Wells Fargo  I was approved for the card when I call to activate the card I was told I would need to go to my bank and have the banker call them and I would need a Id. Since their was no wellsfargo banks near me going to my personal bank would be ok. Well did this four times and I live 15 miles out of town after the fourth trip I was told I would have to step into a  Wells Fargo  bank so I drove to  XXXX  Texas which is about a three hour trip from my home to take care of this. I met with the banker their and she was very helpful made copies of my Id and copies of  XXXX  bills they needed. So i left with the understanding all was good then the next day they wanted full pages of the bills so trip back to town to fax the copies. The very next day  XXXX  get a call from a lady that said she never received them I said I have confirmation that you did she said the fax machine was at the other end of the building and she had not looked yet. They kept telling me that a hold had been placed on the card because of recent activity that had been on the card and to activate I would need to call the number provided so we could clear this up we 'll soon as I would call they would tell me that they could not discuss this matter with me that I would need to step into the branch to get it cleared up but the letter I received clearly stated that I was to call them. Each time I was told the same thing. Still I have not got a straight answer because they will not discuss it with me. The lady that had helped me at the  XXXX   XXXX  branch in  XXXX  filled a complaint on them Also. They have lied to me cost me money and time jumping thru all the hoops and they want talk to me about a card that has my name on it yet they are telling me that 's it 's activity on the card but the card has never been activated. Something very shady about this hole deal. I have dates for each event that has taken place emails sent to them And records of all of it. I this normal practice for a bank because it does n't seem Very professional my bank even thought it was strange. Why send me a letter telling me to call them to get the matter cleared up then tell me they can not discuss it with me. Biggest dog and pony show I 've ever seen. Can you please tell me what I need to do. The card is showing up on my credit report and shows the balance but I ca n't use it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has opened a checking and a savings in my name and ran my credit for a credit card without my knowledge and signature, I have filed a police report about this situation and have hired an attorney to represent me, I have went to Wells Fargo about this before and was hung up on and told I was a liar but I did provide documentation to show that my information was used illegally without my permission, I will carry Wells Fargo to court and sue Wells Fargo for illegally opening a checking and savings account in my name and they also tried to open a credit card in my name all facts have been turned over to my attorney, I try to report this to the store manager and district manager and they try to offer me life lock, this was an admission to what Wells Fargo done, I want a settlement for neglige nce, fraud, identify theft, punitive damages, illegal use to check my credit report, if not re solved my lawyer will file this action I 'll take it to court, I can get more in court, this needs to be settled out of court, Wells Fargo has manipulated it 's customers and lied, this has gone far enough I want this settled

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In  XXXX   XXXX , credit unlimited requested on my behalf that Bank of America remove a closed mortgage account that was dated last activity in  XXXX  on all  XXXX  credit bureaus. The last payment that I made on this account preceded  XXXX  which makes the account past the 7 year mark. I could never get proper documentation and the account can never be found by Bank of America when I was trying to short sale the property that the lien was attached to. Bank of America could never find the account.      XXXX  removed the account.  XXXX  updated the account as closed in  XXXX .  XXXX  added a second account with a different account number in  XXXX   XXXX  saying it is currently active and reporting late and a foreclosure has been initiated.     1. The title to the property was transferred  XXXX   XXXX  that the original lien was attached to.     2. I do not own any property for Bank of America to foreclose on.
3  . This loan was sold 3 times since opening in  XXXX  ; me and my realtor requested a copy of the promissory note. The original promissory note and the account could never be found.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I currently have a debt which is n't in my name and it is now adversely affecting m y credit score.  According to  XXXX   XXXX   XXXX   XXXX  collection agency, a man by the name of  XXXX   XXXX  owes {$140.00}. My name is not  XXXX   XXXX . I am not responsible for this debt because it is not mine. I explained this to them. Since then, my  credit score  has dropped drastically by over a  XXXX  points. I am currently in process of obtaining a mortgage loan. This can and will adversely limit what types of loans I qualify for, as well as increase the down payment amount required which puts a great deal of stress into the experience. I was told by this collection agency that in order to dispute this bill which is not in my name, I had to go through the individual credit bureaus. I have made multiple attempts to contact all three credit bureaus now and am getting no human interaction ; the system is generally automated. Please help me expedite this process so that I may have a fair and equal opportunity to purchase my first home, you 're my only hope ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are  XXXX  wide ranges of credit worthiness, with Transunion varying almost  XXXX  points.  XXXX  shows "  Good '' while Transunion shows " Fair  '', dispite both having the same information. My derogatory credit goes back as far as  XXXX . I have disputed every derogatory remark, with results of removal from record. However they still posted on report.     Here is where the conflict occurs. My credit history has been resto red after over 8 years, yet credit history report reflect  s 4  yrs. and 10 months. Why are negative reports going back to  XXXX  still showing after ov er 20  yrs.!?     Any inquiries that have been resolved and proven paid, still show on payment records.     XXXX   XXXX   XXXX   XXXX  :  XXXX  incurred, paid in  XXXX . Finally acknowledged and disputed in  XXXX  and determined paid, only after requesting  XXXX  send paid verification back in  XXXX ?    XXXX   XXXX  : Initially with   XXXX   XXXX  , then sold to  XXXX , Settled with Deed in Lieu, sol d 2 m ore times to other companies, each time moving time of incurrsion at the date of transfer to other company ( ie.  XXXX ,  XXXX   XXXX   ).      This Debts all " removed ' and inquiry completed and removed with {$0.00} liability. Yet negative reports go as far back as  XXXX ?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I received a letter from Midland on  XXXX / XXXX / XXXX  and asked them to validate an old cc collection that they stated I was owed. I had previously asked for validation before and all I received was a statement on  XXXX / XXXX / XXXX . I proceeded to send a debt validation letter on  XXXX / XXXX / XXXX  that asked them to tell me what the money I owed was for, to show me how they calculated what I owed, to give me copies of any paperwork that showed I agreed to pay them what I owed, to give me copies of any contract that I had with them that contained my signature stating what I owed, to show me that they were licensed to collect in TN, and to stop contacting me regarding this issue until I received all of the above information. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt that they say I owe. I requested proof that I am indeed the party that Midland is requesting to pay this debt and that there is some contractual obligation that is binding me to pay this debt. The request for validation is made pursuant to  15 USC 1692g Sec. 809 ( b ) of the FDCPA. Being that Midland did not respond, they are in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: MI

Complaint narrative:
In   XXXX   XXXX  , credit unlimited requested on my behalf that   XXXX   XXXX   XXXX   remove a closed mortgage account that was dated last activity in  XXXX  on all three credit bureaus. The last payment that I made on this account preceded  XXXX  which makes the account past the 7 year mark. I could never get proper documentation and the account can never be found by   XXXX   XXXX   XXXX   when I was trying to short sale the property that the lien was attached to .   XXXX   XXXX   XXXX    could never find the account.     Experian removed the account. Equifax updated the account as closed in  XXXX . Transunion added a second account with a different account number in   XXXX   XXXX   saying it is currently active and reporting late and a foreclosure has been initiated.     1. The title to the property was transferred   XXXX   XXXX   XXXX  hat the original lien was attached to.    2.  I do not own any property for   XXXX   XXXX   XXXX     to foreclose on.    3. This loan was sold 3 times since opening in   XXXX   ; me and my realtor requested a copy of the promissory note. The original promissory note and the account could never be found.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: MI

Complaint narrative:
In  XXXX   XXXX , credit unlimited requested on my behalf that   XXXX   XXXX   XXXX   remove a closed mortgage account that was dated last activity in  XXXX  on all  XXXX  credit bureaus. The last payment that I made on this account preceded  XXXX  which makes the account past the 7 year mark. I could never get proper documentation and the account can never be found by   XXXX   XXXX   XXXX   XXXX  when I was trying to short sale the property that the lien was attached to.   XXXX   XXXX    XXXX  could never find the account.      XXXX  removed the account. Equifax updated the account as closed in  XXXX .  XXXX  added a second account with a different account number in  XXXX   XXXX  saying it is currently active and reporting late and a foreclosure has been initiated.      1. The ti tle to the property was transferred  XXXX   XXXX  that the original lien was attached to.    2.  I do not own any property for Bank  XXXX   XXXX  to foreclose on.    3. Thi s loan was sold 3 times since opening in  XXXX  ; me and my realtor requested a copy of the promissory note. The original promissory note and the account could never be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Capital Accounts, LLC
State: NC

Complaint narrative:
A balance in the amount of {$67.00} was paid to   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX , MD  XXXX  ; telephone  XXXX  on  XXXX . Unknowingly, I was unfamiliar with the balance until I requested a copy of my credit file from  XXXX ,  XXXX  and  XXXX . I contact  XXXX   XXXX  's office and they stated they had mailed me an invoice with a {$67.00} balance several years ago. However, I never received the invoice due to moving from   XXXX   XXXX   to   XXXX   XXXX  . A change of address form was submitted in   XXXX  , however, I never received the invoice.   XXXX   XXXX   XXXX   XXXX   office submitted the payment to a collection agency,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , TN  XXXX  ; telephone   XXXX   XXXX   XXXX   XXXX   Capital Accounts stated the balance is {$87.00}, which I am disputing. Attached is a payment receipt from  XXXX   XXXX  's office disputing the {$87.00}.  XXXX   XXXX  's office stated they contacted Capital Accounts to let them know the payment was made, however,  XXXX   XXXX   XXXX   XXXX  refuse to update the payment as being paid, which I have also been disputing the fact payment was made with Equifax and they refuse to delete the unpaid balance off of 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 2017-04-30 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: GREAT LAKES
State: NC

Complaint narrative:
I consolidated my student loans in   XXXX   XXXX    . I began repaying my loans in    XXXX   XXXX     . I understand that my payments will apply only to interest until my interest balance is  XXXX  and then they will apply to principal. The payment history page of  XXXX   XXXX  's website does not show how change in my interest balance. The payment history shows the date of payment, my total payment, how much of my payment was applied to interest/principal, and then my total principal balance. There is no column to display total interest balance, which would show my interest total decreasing as I make my monthly payments. I have searched the website and the only place where I can see my total interest balance is on the home page, but there is no history option to show me what the interest was before I made my payments, and how the balance has decreased each month. This is disconcerting because, just by looking at the payment history, it is impossible to see how my monthly payments are affecting my overall balance. Great Lakes should include an interest balance column of the payment history chart to clearly show how my payments are applying to interest over time. Otherwise, there is no way for me to verify that my payments are applying correctly and instead I have to just rely that my payments are properly being applied to my interest balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Applied for a Load modification and was approved by current lender in  XXXX  of last year after my mortgage amount increased by  XXXX  a month.I sent the  XXXX  payment in and apparently that payment was never applied because the modification was already approved so I was told that  XXXX  payment was sent into the first trial payment was told that my first official month would not start for trial period would not begin until  XXXX  so that put me a month ahead with t he 3 trial payment period so I made all 3 payments well within the time period given but as this is going on im still getting collection calls about my reg mortgage payment I ha d to explain each and every time that I was in Modification process and was making trial payments they had no idea what I was talking about the third and final trial payment was paid  XXXX  of   XXXX   here we are in  XXXX  and the process has still not been completed and every month since  XXXX  is showing missing payment on my credit report as well as my loan so my statement is reading that I owe  XXXX  in missed payments and late charges I have been calling every week trying to get this problem corrected all im told is to just keep making trial payments until everything is final so I have been doing just that but  Im looking online and I see my escrow account is in negative and I have a 10k d eliquent balance on my account I keep getting blown off put on hold transferred to people who cant help me then i was told an error was made on their end as someone entered the wrong percentage rate and that was the reason for the holdup I told them that  my credit score took a huge dive  because they were still showing delinquent payments since  XXXX  no help no return calls and no answer as to whats being done to fix this problem I even sent email to the escalations department no answer from them either pleas help!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: N.A.R., Inc.
State: UT

Complaint narrative:
I still to this day do n't know what this debt was for but a place called  N.A.R Inc ( I  only know this from seeing it on my credit report ) obtained a judgement against me ( only know thos because of my credit report ) for  XXXX  for what I do n't know??,  XXXX   XXXX ??  Dont  know what position he stands in this. A lawyer, A constable or some guy off  the street  collect on a debt?? On  XXXX   XXXX  he came with  2  others to my house and help up a paper like he had a warrant. He was even wearing some sort of gold star shaped metal on a long chain like a old sheriffs badge. They pushed their way through the door started grabbing my Tv 's,  Computer, VCR  anything worth value and putting prices on them. Writing them down as well. They wrote threatening letters to my father stating there was going to be a constable 's sale at my house on   XXXX   XXXX     to sell all my personal belongings and so My father paid them {$1500.00} on   XXXX   XXXX   triple the amount of what the debt of  XXXX  is on my credit report. My father and Friend recently passed away and I have been helping my mother with finacial records, taxes ect..when Icame across the letter they had sent him I had not seen until now. It pains me to know he paid this because I had told him of them doing a raid for valuables in my house and he was only trying to protect me. Whoever N.A.R is or  XXXX   XXXX  these people never verified the debt, never served me papers and used threats to get my dad to pay 3 times what the judgement was for and to top it off Its still on my credit as a judgement against me paid leaves out the fact he overpaid. Will you please help me find out what this debt was for and can they do that act like police take my stuff then advertise there is going to be a constables sale on paper to the public. I tried to call the number and went by the address on this letter but they do n't exist at least not anymore. I just feel bad my dad paid all that and knowing now that they have to verify the debt and serve. Its eating away at my heart Thank you for your time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: Santander Consumer USA Holdings Inc.
State: IA

Complaint narrative:
XXXX   XXXX   XXXX    XXXX  balance I have disputed this numerous times with the credit bureaus and their response it that the account belongs to me. That is not what I 'm denying because I paid it off. I have asked them to delete this off my credit report and they are refusing to do it. I would like this taken off my report because there 's no need for it to be there. I no longer has possession of the car. Have n't had possession of the car in over 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I currently have a debt which is n't in my name and it is now adversely affecting my  credit score.  According to  XXXX   XXXX   XXXX   XXXX  collection agency, a man by the name of  XXXX   XXXX  owes {$140.00}. My name is not  XXXX   XXXX . I am not responsible for this debt because it is not mine. I explained this to them. Since then, my  credit score  has dropped drastically by over a  XXXX  points. I am currently in process of obtaining a mortgage loan. This can and will adversely limit what types of loans I qualify for, as well as increase the down payment amount required which puts a great deal of stress into the experience. I was told by this collection agency that in order to dispute this bill which is not in my name, I had to go through the individual credit bureaus. I have made multiple attempts to contact all three credit bureaus now and am getting no human interaction ; the system is generally automated. Please help me expedite this process so that I  may  have a fair and equal opportunity to purchase my first home, you 're my only hope ...

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