vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: CA

Complaint narrative:
Hi, Our property taxes were reduced by the tax assessors office this XX/XX/XXXXand are impounded by our lender. Once the board repealed our increase and lowered our property taxes I called the lenders. One reacted within 2 weeks sending a check and reducing our monthly payment. However ArcHome loans after promising to send {$1700.00} on XX/XX/XXXXstill has not performed. I just called again for the 6th time and was told another check from the county has been received and it's being held in escrow. I've asked for our money to be sent priority and they are refusing. Making more empty promises. Our mortgage was finally reduced after over 3 months. I've spoken to managers XXXX and XXXX and nothing. I've emailed all documents and they continue to get refunds from the tax assessor for our money. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-25 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: CA

Complaint narrative:
I disputed a collection account that was resolve by agreeing to take it off my report which was suppose to raise my credit score but it shows the opposite on my report after the deletion

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 2019-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My complaint is on Carecredit. I was under the impression that this was a ZERO interest. I was never notified that a 200+ in fees would be added to my card after a " special program " which isn't disclosed with consumer. And depending on when/who you use it with. They automatically raised my credit limit and tacked on a few extra hundred, making this card so hard to pay off. They have some " extra security fee '' that is charged often. They are truly predatory lending. I have a great standing with my other credit cards and have never had this problem with any other credit card companies. I can send in my bill, so that this can be reviewed. I took some of my retirement money out, so that I can pay this down, but this will only pay it down a little not very much. Please let me know if anything else is needed. 
Thank you, 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 monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Never received any notice of the debt, debt was never verified. Was contacted about paying this amount. I agreed to pay if this would be deleted and the associate lied to get me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
We pay our bill on or around the XXXX of the month, as I'm on XXXX XXXX. The invoice usually comes on or about the XXXX. The interest charges are all over the board and we paid {$2.00} short a few months ago. When we got our statement, it was, for some reason higher by the {$2.00}. We called the company and and spoke with a man named XXXX. He said he would wave the {$27.00} late fee. At that point we agreed that what we had paid, was {$3.00} more than what it would have been. The following month we recieve a new statement which shows a {$27.00} credit but an additional charge of {$38.00} dollar late fee. We called the Company,  Capital One, again. They informed us the last person did not have the authority to adjust the payment like he dis, and the {$38.00} late fee was for the origonal {$2.00} from the previous month. What that boils down to is this, They want us to pay an additional {$38.00} dollars above what the invoice should have been than wait for them to deduct the difference from the next statement. This, in my opinion, is just another way of collecting additional interest by using late fees to raise the balance of the card. Also when you do what they say, its not followed on their part. the excuse they give, is the system doesn't do it that way. How many folks are they stealing from by these types of business practices. 
I hope you can help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
openedXX/XX/2011, amount owned {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: CA

Complaint narrative:
I disputed a collection account that was resolve by agreeing to take it off my report which was suppose to raise my credit score but it shows the opposite on my report after the deletion

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 2019-06-25 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: PA

Complaint narrative:
I sent my documents in to XXXX and Equifax they keep telling me that information is verified but they have not provided proof by way of documentation that shows my actual debt COLLECTIONS XXXX Opened XX/XX/2018 {$1100.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$1100.00} Highest Balance {$1100.00} Opened XX/XX/2018 ( 1 yr ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX See an error? 
You could dispute an error with Equifax. 

GO TO EQUIFAX Creditor Information XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: GA

Complaint narrative:
I requested my credit report and noticed inaccurate information reporting on my credit report. XXXX XXXX XXXX card service is reporting a acct that is past the statue of limitations of 7 years, Reporting multiple addresses for XXXX XXXX and inaccurate dates I mailed a dispute letter asking to verify this information to XXXX   XXXX card service act XXXX. I received a return letter stating unclaimed/ unable to forward. I then noticed that XXXX  XXXX is reporting a different address for their company to each credit bureau. You can only have1 address reporting to all bureaus.. 


I Mailed a dispute letter/ Asking how are the bureaus " XXXX  , Trans Union and XXXX '' is verifying this inaccurate information. " The only letter I received back is verified ''. 
With no signature, No Dates of proof this acct belong to me.

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 2019-06-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I requested my credit report and noticed inaccurate information reporting on my credit report. XXXX XXXX XXXX card service is reporting a acct that is past the statue of limitations of 7 years, Reporting multiple addresses for XXXX XXXX and inaccurate dates I mailed a dispute letter asking to verify this information to XXXX XXXX card service act XXXX. I received a return letter stating unclaimed/ unable to forward. I then noticed that XXXX XXXX is reporting a different address for their company to each credit bureau. You can only have1 address reporting to all bureaus.. 


I Mailed a dispute letter/ Asking how are the bureaus " XXXXXXXX , XXXX XXXX and Experian '' is verifying this inaccurate information. " The only letter I received back is verified ''. 
With no signature, No Dates of proof this acct belong to me.

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 2019-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo bank card is reporting inaccurate information on my credit report. The account that you are reporting do not belong to me, This account is past the statue of limitations of 7 years and Wells Fargo is reporting different addresses to each credit bureau for their contact address. I send a letter disputing/ asking for verification and received returned letter stating unable to forward/unclaimed. 


All of Wells Fargo information is inaccurate address, Reporting this item belong to me and statue of limitations.

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 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Technologies, Inc.
State: CA

Complaint narrative:
I have NEVER authorized, nor signed ANY document authorizing Credit Technologies Inc. to contact ANY credit bureaus to pull my credit report, and they have clearly profoundly violated FCRA in taking it upon themselves to exalt institutional racism that exist on a corporate level without any signed documentation from me XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
CITICARDS CBNA claims that i have a delinquent account. I have not used the card since XXXX and the credit grantor closed the account on XX/XX/XXXX. For some reason that shows up as I am delinquent on the account 90 days after they closed it. I disputed this three months ago and it sounded like it is taken care of but it is now back on my file and negatively impacts my chances of getting a mortgage loan. 
I have never been delinquent with the account.

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 2019-06-25 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: Diversified Consultants, Inc.
State: PA

Complaint narrative:
I sent my documents in to XXXX and XXXX  they keep telling me that information is verified but they have not provided proof by way of documentation that shows my actual debt COLLECTIONS Dci Opened XX/XX/2018 {$1100.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$1100.00} Highest Balance {$1100.00} Opened XX/XX/2018 ( 1 yr ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX See an error? 
You could dispute an error with XXXX. 

GO TO XXXX Creditor Information DIVERSIFIED CONSULTANTS INC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I received an automobile loan through Santander Bank on of about XX/XX/17. They are charging me 19 % interest. I advised them that my hours had been greatly reduced and would like to refinance the loan. They refused. I further researched the maximum interest rate for New Jersey and it is 16 %. I would like my automobile loan refinanced to 16 % and the difference applied to my principal. My payments are becoming further and further behind due to my reduced income. I can not afford to purchase another vehicle at this juncture and need my vehicle to get back and forth to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED AN INACCURATE ACCOUNT AND INQUIRIES ON MY FILE. THE DISPUTED ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME, THOSE ITEMS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THESE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-06-25 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: The Outsource Group, Inc
State: FL

Complaint narrative:
After sending information to verify myself with my dispute, I sent a follow up dispute ( XX/XX/2019 ) by means of a credit repair Organization, XXXX  has failed to respond. They have violated the FCRA in that it has been more than 30 days. Please see items below Collection MEDICREDIT 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 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commercial Recovery Systems
State: IL

Complaint narrative:
The previous page where you could categorize what they were doing they were doing all of those things they threatened to Sue me and said they will be serving me with a summons either at my work or home, they also called family and friends they had not sent me a letter they had been calling and harassing me after I had told them that the debt had been paid. This all originated in XXXX I had a XXXX account I never used and it was overdrawn by {$1.00} and I was never contacted by the bank so they waived all but 1 of the fees and I paid {$26.00} to bring the account to XXXX and I closed the account. Fast forward to XXXX when XXXX XXXX firm contacted me and said I owed {$210.00} for the XXXX account and with it being 9 yrs later I had no proof that it was paid so I ended up paying the {$210.00} and received a paid in full letter. Then Friday XX/XX/XXXX I received a call from XXXX XXXX XXXX. This was the first time I spoke with or ever heard anything from this company no letters no nothing and when I heard it was for the XXXX account again and they were looking to collect over {$450.00} I was not happy. I told them the debt had been paid and I would find the documentation on Monday XX/XX/XXXX. After I received a call from a private number on Monday XX/XX/XXXX that I did not answer I got phone calls from my brother, my dad and my fiance saying this place was calling for an account I owed on. They left threating messages on my voice mail and my fiance 's saying that they will be coming to my house and or work and will be proceeding to sue me. So now I have had my credit score beat up, the embarrassing conversations I had to have with the people they were contacting and so on.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After sending information to verify myself with my dispute, I sent a follow up dispute ( XX/XX/2019 ) by means of a credit repair Organization,  XXXX   has failed to respond. They have violated the FCRA in that it has been more than 30 days. Please see items below 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 2019-06-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
received credit report from experience and they would not remove the fraudulent XXXX account and two others

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 2019-06-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After sending information to verify myself with my dispute, I sent a follow up dispute ( XX/XX/2019 ) by means of a credit repair Organization, Equifax has failed to respond. They have violated the FCRA in that it has been more than 30 days. Please see items below Collection XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: CA

Complaint narrative:
received credit report from XXXX and they would not remove the fraudulent XXXX account and two others

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 2019-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2019, I went into Wells Fargo in XXXX, MN to pay for my overdrawn checking account and close the account. While speaking with the Personal Banker, I was told that while the account had not yet been charged off, it was in the process of being charged off and that I couldn't pay the balance to stop the charge-off. I was also told that I couldn't pay the amount due on the charged-off account because it was " in-process. '' So either way, they wouldn't accept my money. I expressed my concern about this to which he replied that his hands were tied ( he was also frustrated along with me, which I felt was genuine ) because Wells Fargo wouldn't stop it from being charged off and wouldn't accept the funds towards the account, even though I had the funds in hand to deposit. 

My complaint is not at all with the Personal Banker ( XXXX XXXX ), who assisted me to the best of his ability. My complaint is regarding Wells Fargo 's unwillingness to stop the charge off that was " in process '' when I came to the Bank to make my account whole and close it. I am now not allowed to open a transaction account in the state of Minnesota for 12 months due to Wells Fargo 's unwillingness to take my funds and stop the charge-off. 

Furthermore, I applied for an apartment and had to have 2 guarantors due to the charge-off being on my credit. 

Lastly, my savings account was a negative {$5.00} due to a fee for falling below the minimum balance. I paid the {$5.00} to bring the account to XXXX and thought the account was to be closed. I just received my statement and it now shows another {$5.00} charge for this, putting me back at a negative balance. 

This experience with Wells Fargo has caused me hardship due to a ) not being able to open an account in MN for 12 months, b ) damaging my credit, and c ) costing me money. 

The account closure should be removed from my credit report and Wells Fargo should contact me to accept my funds to rectify the situation. I will be moving to a community bank that focuses more on caring for their people than harming them.

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