vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I would like to be removed from XXXX. Based on my research XXXX is to prevent fraud I am not a fraudster and no company has the right to represent me as a Fraudster because that is slander. My previous financial institution ( WellsFargo ) reported my account due to their banking error. WellsFargo is extremely unorganized and unprofessional with a horrible reputation and very questionable standards of integrity. 


I spoke to several representatives on the phone and they stated that the bank reported my account to the XXXX company because it was over drawn. My account became over drawn because of their bank app & website and text command providing inaccurate available account balance results. This is a common practice for WellsFargo I have spoke with several people who have actually closed their accounts with WellsFargo because of this negligent, inaccurate available account balance result that you get when you use the banks tools that are provided by the bank to get account information. 


The representatives that I have spoke with told me that its not a banking error for displaying inaccurate information it 's something that just happens they do n't know why but it is n't their fault they told me that it was at the fault of the merchants and my fault and in their personal opinion its not a banking error. When I asked them how could I have know this they told it was a opinion of " bankers ''. I told them that reporting my account to XXXX effects me and ca n't be based on someone 's opinion they told me that they ca n't provide anything in writing its just something that everyone should know. Well everyone is n't trained to be a banker for WellsFargo. This is something that I just do n't understand. 


I want WellsFargo to remove the report from XXXX completely I want to removed from XXXX. Because its negligent of WellsFargo to report something like this and I have paid them the amount that was over drawn and I am not a theft or a fraudster it was a misunderstanding and it has a negative impact on my business dealings. They stated that XXXX is n't a credit reporting agency however it impacts me still because financial institutions and employers check XXXX and all financial institutions and employers are n't willing to do the research and inquiry about what happened.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted the Bankruptcy Court asking their method of verification and they responded saying they do not verify or validate any information to the credit bureaus. The credit bureau refuses to remove the information although they specifically told me they verify personally. This is a direct violation of my consumer rights and I would like the false information removed immediately from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I 've repeatedly requested investigation of a bankruptcy being reported on my credit report by XXXX, Transunion and XXXX. This information is being provided by a third party and not a creditor. This information is not being reported by the courts, and should not appear on my report. I 've asked the bureau to stop reporting this information because the court is not a creditor, and they have not provided the credit reporting agencies with any information. I would like the credit reporting agencies to remove this information from my credit file permanently.

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 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have sent various letters to trans union asking them to verify the chapter XXXX bankruptcy that they are reporting on my credit report with my signature, they keep sending me reports back stating its verified but not stating how, or sending proof that this bankruptcy actually belongs to me I have proof that they have n't verified from the courts because the courts do not verify

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion began an investigation of XXXX., account # XXXX on XX/XX/2017 but did n't complete until XX/XX/2017 beyond the 30 day time period allowed by FCRA

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: IL

Complaint narrative:
Transunion has reported XXXX public records on my credit report. XXXX Chapter XXXX bankruptcies and XXXX judgement. I have verified with the XXXX Court and the XXXX court that they do not report to the XXXX major credit bureaus. Transunion has pulled this information from a 3rd party 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 2017-02-14 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Riverwalk Financial Corporation
State: MO

Complaint narrative:
This company put an old debt beyond the statute of limitations back on my credit report after it had fallen off over a year ago via the original debtor and another collection agency trying to collect on it. They NEVER sent any communication nor called me and allowed me to dispute it. They also lied about the dates and put XXXX XXXX. This debt was from XXXX. I saw it on my credit report via XXXX. They illegally parked an old debt and did it silently. I called and advised them to take it off immediately and advised them it was illegal and I would report them. The lady said she would NOT help me because I raised my voice and told her to take it off, that it was illegal, and an illegal practice. She advised me, she did n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AUTOMATED RECOVERY SYSTEMS, INC
State: NV

Complaint narrative:
XXXX keeps threating harassing me for debt I do n't owe I have no relationship with them they please have them stop all collections asap

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have XXXX Federal Stafford loans serviced through Navient - XXXX of them at 2.65 % and XXXX at 6.8 %. From repayment beginning in late XX/XX/XXXX through XX/XX/XXXX, I was on a graduated repayment plan that covered interest plus put a small amount toward reducing the principal balance. This plan was one of the few repayment plans offered through Navient 's website, with no way to customize to which loans payments are allocated. Looking at my account history, it appears Navient directed all payments to principal for that time period to the loans with the lowest interest rate and paid INTEREST ONLY on the XXXX loans with the high 6.8 % rate. With the limited amount of money I could afford to pay at the time, Navient chose to direct 4 years worth of payments exclusively to my low-interest loans and allow my high-interest loans to accumulate interest in order to benefit Navient 's bottom line and take more money out of my bank account. As a federal loan servicer, I trusted Navient to do what is right for the student, however I now know better and urge other borrowers to pay obsessive attention to the way their payments are disbursed. Navient seems to make it as difficult as possible to understand how payments are distributed and even more difficult to ensure they are doing what is right for the borrower. These deceptive practices have cost me hundreds of dollars in additional interest payments since repayment began.

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 — Account status
Company: I.C. System, Inc.
State: VA

Complaint narrative:
RE : acct XXXX I spoke with XXXX On XX/XX/2017 and agreed to do a pay and delete on an outstanding debt. As of XX/XX/2017 I paid the agreement amount of {$130.00}. However, since that time the debt still appears on my tradeline with all XXXX credit bureaus. I have spoken with several agents and supervisor and recently spoke with a manager named XXXX who on several occsians, most recently XX/XX/XXXX and XX/XX/XXXX who indicated information was sent to have the tradeline removed and yet it still appears. I was also advised on several times by the same manger that he would have a delete letter sent and its has now been two weeks and still no letter. Several phone agents advised that the same letter would be emailed, and still no letter. However the manager advised the letter could only be sent via mail. I have received nothing but conflicting information, and now that my debt has been paid they are refusing to remove the information from my tradeline. These collection agencies collect on accounts but then they do not honor the agreement. The requested documents are never sent and when you call, you are either disconnected or told there is nothing they can do. In my recent conversation with XXXX he advised that they would not contact the credit agencies and that he could not control the mailing time. He also indicated they would not be re-sending a letter. This collection agency has used false practices so that I could pay the debt. Now the debt is paid and still remains on my account and is still affecting my score, although it has been paid. I was told my the initial phone agent, several agents in between and the manager that the debt would be marked as paid and DELETED BUT NOTHING HAS BEEN DONE. Please assist me in getting this matter resolved and accept my complaint against the misrepresentation of this collection agency.

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: Credit card — 
Issue: Sale of account — 
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I wanted to report that a Sourh Carolina magistrate judge granted Portfolio Recovery Associates a {$2000.00} judgement against me today even though the lawyer representing XXXX had no original account documentation and no chain of custody from the party they claim was the original creditor, XXXX Online bank. The account was opened according to their records in XX/XX/XXXX. Their evidence was three statements. One from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. PRA claims they purchased the account from XXXX XXXX XXXX and they simply provided an assignment of a portfolio number. I argued that I did n't even know the original creditor and there was no chain or custody from them to XXXX and no original paperwork showing my signature or the terms. I cited a civil suit that the consumer protection agency won against the law partners of XXXX stating that they are now required to show original account level documentation and a complete chain of customary. The judge allowed a notarized affidavit from a representative of PRA to be used to establish the accuracy and authenticity of their claim although the rules I received from the court said no written witness statement, even notarized were allowed. The judge would not even review the civil case and admonishments from the consumer protection agency against XXXX and quickly ruled against me because I acknowledged I once had a XXXX account. I argued the amount was not verifiable but he did n't care. Does the case you won against them have no meaning for future consumers being affected by the same shoddy, unethical practices? The judge said even if I had won today I would have had to come back for a trial and prove the debt was not mine! And the amount was n't right. How do you defend against that? It 's like if they say you owe them, you do. As far as I can see, PRA, who was also fined and admonished by the consumer protection agency and cooking and winter are back to business as usual and still winning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2017-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: ROWLETT MORTGAGE LENDING, LTD
State: TX

Complaint narrative:
I was in the process of getting a home loan and was referred to this loan officer by my realtor. The loan office went missing in action many times when we were dealing with time sensitive issues. I was given excuse after excuse for why we were left in the dark. She gave me multiple dates to show up at closing when my file I found out was not even out of underwriting. I understand closing dates getting pushed back but not when we are told to show up at closing multiple times with no result. I was told a certain amount would be charged to my debit card for appraisal and I was charged {$65.00} more than I consented and was not given an explanation. She had me pay for a rush appraisal to close on time and it was not needed because we were never gon na close on the date she said. The real reason for the complaint is the lack of communication and us almost losing our home loan. When I gave the company a bad review XXXX XXXX ( the loan officer ) sent me the nastiest text message and threatened to pull our loan if I did not take down the review. I contacted her boss immediately and she was so embarrassed. After I sent her boss the txt messages she told me that was the most unethical thing she has ever seen and was very sorry. XXXX, the owner of Rowlett Mortgage then took over my loan and took care of us. XXXX also made it right on the charges that should not have been on my debt card so kuddos to the owner of this company. I felt attacked in her txt message and she was using all my personal info that she had collected for my loan to attack me. She talked about my finances and my divorce and this is someone that I trusted with my loan and my personal info I have no clue who else she has shared my personal stuff with. My husband was freaking out because we were suppose to finally close the next day and he thought she was going to pull our loan so I bit my tongue and sent an apology txt to her just to save face but I only did that so my family would have a home to move into. I lost my old home in a XXXX and buying a home was suppose to be a good happy time. XXXX gave us broken promises, threats, and used our personal info in our file to threaten me. On top of all of this nobody ever went over my loan with me. I did not know I was paying points to buy down the interest rate until I went to closing. I was quoted the rate but did not know I was paying for 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 2017-03-30 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:
XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, GA XXXX TransUnion , LLC XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, XXXX, FL 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 2017-04-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
After waiting for over a month, I received a response from US Bank regarding my complaint with you. Once again, they neglected to provide any answers. I 'm attaching the response letter with this complaint. As you can see the response letter is pretty generic where there telling you and what income they used as well as the expenses they used to do their calculations. I had asked for NPV data they used to review my loan for modification. As per treasury guideline, they are obligated to provide me the NPV data used for review. 

U.S. Bank has been giving runaround and putting me further and further behind for over one year. They have not honestly reviewed my loan for modification. As it looks like, they have no intention for reviewing my loan for modification. I am at a huge risk of losing my home due to their negligence in solving this problem. Please help me. 

I am asking U.S. Bank to provide me with the complete NPV data they used for their latest review. Failing to provide a non-technical explanation is a violation of treasury guidelines. 

Once again, they are asking me to appeal the decision by XX/XX/2017. However, they are not providing any information to appeal with. How am I able to file an appeal when there is no information provided?

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 2017-04-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA
State: WA

Complaint narrative:
Hello, I am not getting a refund of {$89.00} from National Bank of Omaha credit card company. I have talked to them on the phone 2-3 times and documented emails agreeing to send this refund. It 's been more than a month and they are still running me around. Please advice. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I rented a car from a XXXX at XXXX that put a hold on my card that was equal to over 5X the cost of my rental. I was informed that when the car was returned that the hold would be released immediately. When I returned the car I verified with the merchant that they had released the hold and I had a conference call with the credit card company so that they could verify directly with the merchant via the transaction ID that the charge was not valid and that they could release the hold however the credit card company refused to do so. The credit card company was AT & T Universal Card and I have been a card holder with them for 20 years and they refused to even issue a pending credit back to my card to allow me to rent another car which was needed for a trip out of town despite verifying directly with the merchant that the charge that was in their system was not valid. I consider it fraud to hold a credit on an account that is not valid and can be proved not just via paper receipt but directly via merchant.

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 2016-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Recovery Solutions, Inc.
State: GA

Complaint narrative:
I continue to get calls from the number XXXX. I have explained to them that the number of the person they are looking for does not own the phone number that they are calling. The XXXX representative hung up in my face and the XXXX said that they would remove me, but they have continued to call. The company is supposedly called 1st Recovery Associates.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a judgement on my XXXX and equifax account and I have stayed with my parents since 2010.

Company response to consumer: Closed with explanation