vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Several Wells Fargo bankers lied and coerced me into signing for openning multiple personal, business and brokerage accounts. The wells Fargo bankers stated the reason I was signing their electriconic pin pad was in ored to waive overdraft fees. This was a lie. Several Wells Fargo bankers lied and tricked me into opening several business, personal checking, savings, credit cards, brokerage and merchant services accounts without my knowledge or consent. I have filed several complaints about the fraud that the Wells Fargo bankers committed and nothing has happened. The wells fargo bankers lied to me about what they were doing. The wells Fargo bankers at several different wells fargo branches tricked me into signing for opening multiple accounts when I was told by the same wells fargo bankers that the reason I was signing their electric pin pad was to waive overdraft fees. These wells fargo bakers lied and used my signature to open several business checking, business savings, business merchant card processing as well as several personal checking and savings accounts and brokerage accounts without my knowledge or consent. These same bankers deleted these fraudulent accounts from my online banking view. Because of the bankers deleting this fraudulent accounts from my online banking view, I had no clue they existed. I had no clue they existed until I saw derogatory marks of charged off negative accounts on my credit report. This is the same exact corruption that occurred in the XXXX law suit about fraudulent accounts. Wells Fargo opened several business accounts, several personal accounts and several brokerage accounts without my knowledge and consent. The fraudulent accounts charged off with negative balances. I had no clue about the fraudulent activity until I saw the negative remarks and charged off accounts on my credit report. I have filed several complaints with wells fargo and have asked to submit to mediation with wells fargo. Throughout the mediation program, wells fargo keeps delaying and wasting time while giving me the " run around ''. The tracking number for my mediation account is XXXX. I demand that Wells Fargo fully compensate me in the amount of " {$150000.00} For all of the fraud, deceptive business practices, and defamation to character that was committed against me. Wells fargo keeps giving me the " '' run around ''. I need the CFBP to step in and demand more monetary restitution for me for to the horrendous acts of fraud, deceptive business practices and the defamation of my character by Wells Fargo. Please help me as this has damaged my credit report and has cost me losts of money and even has costs me obtaining a job.

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 2015-07-31 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Trans-Fast Remittance LLC
State: NJ

Complaint narrative:
I made some transfer through Transfast from USA to XXXX. The transfer was supposed to be completed in XXXX business days which did not happen. 
At this point, I called transfast to enquire about the transfer. My call landed in XXXX, XXXX. The customer service rep ( named - XXXX XXXX ) started asking my Engine Password - which I declined providing as it has my XXXX XXXX XXXX account added and verified. She kept on emphasizing about the password to login to system. 
I was certain to not provide the password and she started asking me to send a copy of my SSN. At this point I asked to transferred. I spoke with her team leader who then transferred me to New York office where I spoke with XXXX. 
XXXX asked me to send a physical copy of my SSN document and said that it is required to process the transfer. He also stated that he will take only and only SSN to process my transfer else will cancel the transfer. 
No where on the " Transfast '' website it states that SSN is required as a document and it also does not show if this information is going to be secured when I send it over. 
I then asked XXXX to send me in an email that a physical copy of my SSN is " mandatory '' to make the transfer and he then gathered my information and said that he will send the email. 
I have a copy of Transfast - User Agreement, the security page and the How it works and on NONE of the pages its mentioned that I need to share my SSN or any government ID. 

XXXX who sits in XXXX was very rude and did not understand my point that there was NO need to share my password. Also, he was adamant to get a physical copy of my SSN. I told him that it is not safe to share SSN in its physical form which will be store with you without encryption. 

This is a fraud and they are taking the SSN and copy of government ID without secure environments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently applied for a credit card from XXXX, they reported that TransUnion was not able to advise my Credit Score with the following feedback : " Missing or Invalid Date : XX/XX/2017, Source : TransUnion Consumer Relations '' As a result, my application has been rejected. 
Through this portal I had received confirmation from TransUnion discrepancies with my information was fixed. Please advise XXXX my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
inquiries.. hard and soft are popping up on my credit report that I have no knowledge of. EX : XXXX, XXXX, XXXX, XXXX and much more .... can these items be removed please..

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 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I disputed a chapter XXXX dismissed bankruptcy and a state of Maryland tax lien with transunion. The investigation came back as verified. I received a letter from the both courts explaining that they DO NOT report to credit bureaus and therefore must be deleted.

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 2016-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST MORTGAGE CORPORATION
State: CA

Complaint narrative:
I purchased a home XXXX/XXXX/XXXX. The loan was with First Mortgage Corp. XXXX # XXXX. Approx. 
18mo later the company calls me to ask me for add documents because for some reason they can not insure my loan with FHA. I provide them with what they are asking for and then they have more Doc after that. We are good for 2years then I get a letter and mind you my loan is current not behind that because they can not insure my loan with FHA they are going to call the Note Due. They stopped accepting my payments and then Sold the company to XXXX XXXX with nothing for them to trail or refer to. I have not made payments since XX/XX/XXXX now and I still have not heard from anyone. 
I have no Notice of Default nor do I have a Notice to Sale. But I am not wanting to lose my home due to someone not answering my phone calls nor responding to me. I feel that I am being descrimin- ated against because I am a minority and I am in hopes and have been since XX/XX/XXXX trying to process a loan with another company but these 30 day lates are continuing to prevent me from having someone else help me get out of the current loan I am in. 
They will not remove these off my credit nor will they take payments from me, and are putting me in no other position but to sale or go into foreclosure. 
Please help me keep my home.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX is attempting to collect a debt that incorrect, wrong info and lied to credit bureau.. on report it says acct opened XX/XX/2016 they show negative payment history from that date. when i call them and capital that info is incorrect. they give me totally different info then what they reported I asked them why are they reporting incorrect info on my report they said ask capital one but capital one is not the ones reporting it they are. what they are doing is illegal and I want this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
When a payment is made to my credit card, whether it 's done via an electronic transfer or from a check, the creditor holds my payment from my available balance for 5-10 days. In other words, if I make a payment to my credit card my money is deducted from my checking account almost immediately but it 's not credited to the card 's " available credit '' amount for a week. My creditor floats my payment and earns interest off my balance instead of applying my payment timely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
XXXX offered 48 month low APR promo. Made purchase - program kicked in and minimum monthly payment due 's force the consumer to pay off in 21.5 months - not fully allowing the use of the 48 month program. ( The payment does include the monthly finance charge of {$15.00} - FYI )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: NY

Complaint narrative:
I was instructed to bring down money orders by a remote counselor with NACA to the XXXX office. While there, I was threatened by one of the counselors. At this time, I do not feel safe with the counselor and receptionist having access to my personal information such as my social security number, bank accounts, credit report, address, and children 's personal information.I requested from the District Manager to have my informational locked and secured in their system but he has yet to respond. I do not feel safe at this time with people who are threatening me who have access to my personal information. XXXX, the counselor who threatened me made it seem like he was going to do something with my personal information. I do not want to be a victim of identity theft and I do not want anyone having access to my bank account information to be stealing money out of my account. The staff at that office has been caught in numerous lies on voice recording. With these kind of practices, it leads me to believe they will use my personal information other than what it is intended for. NACA has several complaints online about the professionalism of the mortgage counselors which is what makes me feel like they do n't follow any ethical procedures. I do not want to risk any of my personal information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates, on behalf of XXXX XXXX, will not submit the verification information requested to validate that this is a debt owned by me. They did send me copies of bills with no charges and only balances being mailed to an address that I have never resided at, but no application for me to verify signature or other signature information. I have requested this information twice to no avail from both PRA and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AMRON PROFESSIONAL SERVICES
State: PA

Complaint narrative:
Got a call from XXXX saying there was a PayDay loan taken in my name back in 2012 which was not paid and I owe {$520.00} and if I do not pay it will go to court. I never took out a pay day loan in my life. Someone used my ID to get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Solidus Group LLC.
State: CA

Complaint narrative:
The company name they say is XXXX out of South Carolina They keep call on different phone numbers and threatening to sue for a depth that I took out which I never did and when I ask for the paper work they keep saying that will be provided by the court. and they are harassing my family by calling my kids, my wife even calling my wife at work and a XXXX and telling all of them that I will be sued in court if they do n't have me call them back I have check on XXXX and with the XXXX XXXX and I ca n't find any information on this company so I believe it to be a harassing scam. No legitimate company know to not call work or a federal government place and harass people

Company response to consumer: Untimely response
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Solidus Group LLC.
State: MO

Complaint narrative:
I have repetitively told them to not call me at work.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
The credit card company in question ran my credit without my permission at a random time, then canceled my card even though I had good standing credit with them,. I was not late, delinquent or otherwise. My payments were current. I have never been so insuleted and appalled in my entire life! They did not have permission to run my credit and I did not ask for my account to be closed! Now my credit score has been altered due to an account being closed!

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 2017-04-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I am the co-signer on my Son 's student loans. When my son was preparing to go to College XXXX was willing to loan him the money but the interest rate was extremely high and they advised if he obtained a cosigner it could lower his interest rate. I could not afford to pay for my son 's College so I agreed to cosign the loan because at that time we were told that I could be released at a later date once the student proved that he was able to make the payments. I contacted Navient to find out what we need to do to have me released as his co-signer. They state that he MUST graduate, which he did n't and he does n't intent to go back to school due to the costs associated with it. He now has a really good job and has been paying back his student loans. The Navient representative I spoke to stated that because he has not completed his course of study I can NEVER be released as cosigner. I ca n't believe that there is NO way to release a cosigner if you did n't graduate. That is discrimination as far as I am concerned. Is that even legal to not have a way for a cosigner to be released?? My husband and I would like to purchase a home but we ca n't obtain financing due to my cosigning of the student loans and it makes our debt to income ratio to high.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: James E. Albertelli, P.A., a Florida professional association
State: FL

Complaint narrative:
XX/XX/2017 Certified Mail : XXXX Debt Collectors : XXXX XXXX XXXX, UT XXXX ABERTELI LAW OFFICE XXXX, XXXX, FL XXXX XXXX XXXX XXXX, NC XXXX cc : Federal Trade Commission Office of Inspector General XXXX XXXX XXXX, DC XXXX Re : Acct No. XXXX Acc # XXXX XXXX Acc # XXXX Abertelli Law Office Acc # XXXX File # XXXX NOTICE OF VERIFICATION DEBT I am writing this letter in response your Abertelli Law Office 's Demand letter on XX/XX/2017 and XXXX " Notice of Default '' XX/XX/2017 and XX/XX/2017. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you has been falsely claiming. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify the original creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt 4. Valid copies of the debt agreement stating the amount of the debt and interest charges 5. Proof that the Statute of Limitations has not expired 6. Complete payment history on this account along with an accounting of all additional charges being assessed 7. Commission for debt collector if collection efforts are successful. 
8. Any insurance claims been made by any creditor regarding this account. 
9. Any Judgments obtained by any creditor regarding this account 10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


XXXX Patient Legal agent XXXX XXXX, Fl XXXX XXXX Email : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: PMT Solutions, LLC.
State: WA

Complaint narrative:
Repeated hang up calls, usually with one minute between calls. There 's no person or recording on the other end of the call. I called them back and told them to stop contacting me and they are still calling me and hanging up.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
The credit bureaus are reporting credit that is not mine.

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 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Todays date : XX/XX/XXXX Dear To Whom It May Concern : XXXX XXXX, CA XXXX XXXX XXXX, TX XXXX Equifax XXXX, GA XXXX I recently pulled a copy of my credit report and found that you are reporting the following account on my credit report that should be removed immediately. At one time I was an " Authorized User '', however, I requested to be removed as an authorized user a very long time ago. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$19000.00} REV {$14000.00} MIN {$290.00} {$0.00} XXXX AS AGREED XP/TU/EF AUTHORIZED USER XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4500.00} REV {$2200.00} MIN {$64.00} {$0.00} XXXX AS AGREED XP/TU/EF AUTHORIZED USER Per the Fair Credit Reporting Act, if I am not a joint owner, or co-signer of an account it should not be reported on my credit profile. I am requesting that you contact the creditor to confirm that I am not an owner of this account and that I am no longer an authorized user, and remove it from my report as soon as possible. 
I look forward to receiving a copy of my corrected credit report. 
Thank you for your help. 

Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
I have tried for 5 years to return my home to the bank. Right now the mortgage company is Seterus Loan # XXXX. I filled Bankruptcy in XXXX 2016. The mortgage company has still not take the title back. 

I have attempted Short Sale, Modification, Deed in Lieu and finally Bankruptcy. 

It has been at 3-4 years since I started the process. 

I am wanting to return the title to them and they are not taking any action to clean this mess up. 
XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is a formal complaint that Equifax is NOT reporting accurate credit information. An account was placed under my name erroneously. Since then, Equifax has damaged my name, and my credit. Equifax has entered derogatory information into my credit file. 
A request has been made for the company to provide validation of this debt. So far, the company has not comply with this. The current account is a false account which I 'm not responsible for. 


Account name XXXX Account number XXXX .... 



Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX

Company response to consumer: Closed with explanation