vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have reached out to Wells Fargo many times to try to reduce my monthly payment for my private student loans. They have reviewed my finances two times in the past two years and determined based on my gross income that I can afford the monthly payment. They do not even take into account the other student loans I have or my monthly living expenses. One time I was told that I should get my co-signer to pay if I ca n't pay. When I told the customer service representative that my co-signer could not pay, then he apologized and said he could not do anything for me. I asked to speak to his supervisor and he forwarded me on to the supervisor, who told me the exact same thing. One representative asked me if I could borrow money from another person to pay my loan payment. I called multiple times prior to falling behind on my loan payments, and they refused to work with me to reduce my payments. Every time they mention a deferment, they say that I need to make a payment to bring the loan current. When I tell them that I can not make a payment, they again bring up that my co-signer should be helping me make the payment, and say there is nothing they can do until I make a payment. They have offered to put me on a deferment but I need to make XXXX consecutive payments in order to get on the deferment. When I tell them that I absolutely can not make the payment, they again say that there is nothing they can do for me. They bounce me back and forth between different departments, and when I ask to speak to their supervisors, they will sometimes transfer me to a person or someone 's voicemail, and they will tell me the same thing. They have sent numerous threatening letters and call both myself and my co-signer often daily and say in the letters and phone calls that they have tried to get a hold of me. When I call them, they tell me the same exact thing-either that I will need to make some kind of payment to be put on a deferment, or that I do not qualify for a payment reduction/change in my payment plan. Every time I ask the representative what I should do since I can not make the payment, they say I 'm sorry, there is nothing else I can do for you. I applied for a consolidation loan and they declined me, although they keep suggesting that I apply for the consolidation loan every time I talk to a representative. They refuse to work with me-they offer options and then tell me I either have to make a payment or do not qualify for the options. They have offered no real, viable options to help me afford my monthly payments.

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 2016-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX my checking account and linked savings was loved by Wells Fargo. My account number was XXXX I was told my account was closed by loss prevention because of fraudulent activity on an account in XXXX. The account in question from XXXX, was reported by myself to Wells Fargo fraud department/phone number. My previous account had checks missing, so I reported this immediately. However despite funds being deposited in the account, a previous drawn check, had been deposited the day prior to myself contacting Wells Fargo about the missing checks that had been taken by a former housemate, as I was then in the process of moving. This freeze on the accounts funds, caused the check written and deposited in to a account at a different financial institution to be returned. This was an account at XXXX Bank XXXX # XXXX Acct XXXX, which was reported on XXXX describing exactly what I have stated for the reason I am presently describing.

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 2016-06-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XXXX XXXX, 2016 in the morning i contacted my navy federal credit union and asked them to realease my direct deposit early in my checking account ending in XXXX, she did just that i also asked her to transfer money into my finance account the amount of {$100.00} and my other checking account was in the negitative of {$13.00} i made that positive i than asked her to give me the balance and than transfer the money into my account ending in XXXX she did n't do that so i begin to swipe my card the next day on XXXX/XXXX/2016 and now i am in the negative of {$67.00}. i spoke to a manager name XXXX on XXXX XXXX, 2016 and he credit both of my accounts {$20.00} and said i only owe {$180.00} in the XXXX account i put the money in that account on XXXX/XXXX/2016 i put {$200.00} in that account and that 's when i got the balance of {$47.00} that i owe based on the transations, i spoke to XXXX the supervisor on XX/XX/2016 and he did n't look forward into this matter he said he listen to the tape on both days and he would give me a call on XXXX/XXXX/2016 and i never received a call because he knew that he did n't look forward into this matter and sided with the young lady that was wrong and messed up both of my accounts.Now they are asking me to pay the money of {$67.00} i do n't think that i owe this money at all because of the neglect of the young lady not doing her job and transfering my money into my account ending in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA

Complaint narrative:
I hired XXXX ( XXXX ) to handle short sale negotiations with Atlantic Bay Mortgage ( XXXX is their Credit Dept. ) on a drowning investment property I own. I also hired XXXX, Realtor of XXXX as the listing agent. A fair offer was received in XX/XX/2016. To date, XXXXAtlantic Bay Mortgage has FAILED to order an appraisal of the property though asked repeatedly by both Realtor & XXXX causing the prospective buyer 's offer to expire on 3 different occasions. The buyer is no longer willing to negotiate! Atlantic Bay and XXXX has failed to do their due diligence and follow through with the required appraisal! They are forcing this property into a foreclosure status and further damaging my credit due to their failure to do their jobs! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom it May Concern XX/XX/XXXXEquifax, XXXX. XXXX XXXX, XXXX, Georgia XXXX am requesting with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : Name issue : XXXX XXXX ; XXXX XXXX XXXX THOSE NAME WAS NEVER MY NAME OR ANY FORMER NAME My correct name is XXXX XXXX DOB XX/XX/XXXX SS NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax produces purposely obfuscatory, confusing and poorly formatted reports as an obvious means of frustrating consumers ' attempts to fix problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I filed bankruptcy and XXXX 2015 and it was discharged in XXXX 2015. Debts included in my bankruptcy started coming off my credit reports on their own and the ones I did dispute I received a quick response and they were removed. I 'm having an issue with XXXX I have disputed it many times to all three credit reporting bureaus, on the most recent XXXX I sent a copy of my bankruptcy petition and the result was they updated it on my report saying charged off sold to another lender but, yet on a privies dispute about two months ago they updated reports with status as included in chapter XXXX bankruptcy and now they have changed it to the charged off status. On last dispute XXXX would n't accept my dispute because I had previously disputed. The dispute case numbers I provided above are the most recent ones. XXXX is showing up as derogatory and negative on my reports which is affecting my credit score as I am trying to build my credit. I 'm having success rebuilding my credit except for with this company reporting incorrect information on my reports. This is the only negative thing on my reports. As I am looking to the future trying to buy house with my husband, obtaining certain credit cards ( which I am using responsibly ) or loans to help build credit I 'm not able to because of this derogatory/negative incorrect information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
THe credit reporting agency in their desire to increase profitability has forgotten the rule, do no harm. This complaint is based upon providing information, and allowing accounts to be established without first considering if the person who name appears is the one that request for credit. The account of southern auto finance does n't meet this criteria. The name used in granting credit does n't verify with the name upon which the credit of the individual who is being held responsible, which is me the consumer. I herein request that equifax remove all inquiries, and creditors that do n't match the first requirement in granting credit, name, social security number matches, instead of merging credit reporting which this report number and entries represent. In addition The credit reporting agency reports lates on student loans, I have never been in repayment, and these loans were never in repayment so they could never have been late. I ask that they remove them totally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I advised the credit bureau Equifax that this account is outside of the federal statute of limitations for XXXX years of time barred debt they responded to me that says because of their records retention policies that they have the right to list the debt beyond the XXXX year period and that i have to wait en-light of federal laws of which this is illegal under the fair debt collection practices act

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a chapter XXXX in 2006, Equifax reported this as XXXX separate bankruptcies and it is still on record. XXXX failure was reporting it XXXX, reducing my score substantially. Second failure, this is outdated and should be removed. It is not a chapter XXXX which stays on for XXXX years, it is a chapter XXXX which should be removed after XXXX and has been by the other agencies. I have disputed this several times however it is not getting resolved, most recenetly this month. In addition, the information I recieved says that a bankruptcy was added to my report. I have to pull my report but that means that either they changed the date or now I have XXXX? This is getting rediculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Please be advised ; Credit card Company sold my Account to 3rd party ... after my bankruptcy discharge. Now 3rd party has put remarks on my credit report as of XXXX. The discharge was XX/XX/XXXX. Be aware, keep your report updated. This is illegal to do against Consumer. Bankruptcy laws, very specific, you can not keep hammering the consumer after the fact. All and any debt, notifications, phones calls, mail, any type of contact or harassment by the debtor is forbidden, even posting remarks on credit report. Read the Bankruptcy laws credit card Companies and smarten up!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I was trying to get a loan thru my bank and was told they could n't access my equifax report. So I called equifax and after being on hold for over 2 hours and transferred an got the run around I was told to fax my license and SS card because I had a sercuity freeze then wait 48 for them to get around to looking at it and removing the freeze. Well almost a week later when I still could n't access my report I was told I have a lock and my social sercuity number was removed off my name and would take 48 business hours to remove th lock that was stated in 2008 that was suppose to be canceled the same year. So I called today and now thy said it could be another 30 days to remove this control lock. Really?! After another 2 hours on hold and transferred all th place I get this.. How hard can this simple thing be to remove a lock and my banker be able to check my credit! You have no idea my frustrations with this process!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
This item was originally disputed with XXXX XXXX mortgage company, who has completed their investigation and confirmed that they have NOT reported my being delinquent to Equifax Credit Bureau. I spoke with XXXX XXXX XXXX at XXXX department, XXXX x XXXX and he stated that they have NOT reported any delinquency to Equifax for XX/XX/2013. I am attaching a copy of the results of the investigation with XXXX XXXX, and XXXX XXXX said that Equifax in improperly reporting inaccurate delinquencies. I have circled the XXXX items that need to be removed from my credit file by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account is over 7 Years old and is sill being reported no payment where made since XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I tried to get my free Equifax credit report online. While going through their process, the application timed out and they are now demanding that I mail information to them with my ODL and social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a lot of Fraud Incuries from all kinds of banksXXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and none of them are removed from any off my creditreport with Equifax or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XXXX, I wrote a letter to Equifax , asking them to investigate errors on my credit report. Four months and several follow-up letters later, I have still not received a response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Equifax , XXXX & XXXX are showing a public record ( legal item ) of {$5100.00} as of XX/XX/2016. That record has been dismissed via the XXXX County Court Reference Number XXXX. Needs to be removed from all XXXX credit reporting agencies immediately, this has been dismissed by the magistrate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
equifax mixed up me up my name /they send me a credit report with wrong name also they put my bro bill that was in collection on my credit report from XXXX, these are not my account. we are not the same people. i believe i was skip trace thur XXXX and made responsible because equifax change my address to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Our complain is about new Discover bank Online Saving account - we received the proposal from them by mail for opening this new account, XX/XX/2015. We accepted and opened this new account with confidence since we have, for years, good relationships with Discover Card and Discover Bank. We have with Discover bank : Regular CD- joint ownership by myself, XXXX XXXX and my husband XXXX XXXX ; and IRA Jumbo CD of XXXX XXXX . 
For new Discover Online saving account we transferred money from our regular bank, XXXX XXXX XXXX, with no trouble. 
At this time, we were able to access the new account. The trouble started when we startedtransfer some amount back to Peoples bank, on XX/XX/XXXX. One of customer service members mentioned that transfer of certain amounts could cause the problem, but NOexplanations on rules and limitations were given then and up to now. 
This transfer was completed, and transfer back to Discover was successful too on XX/XX/XXXX. 
Last time I could see the account, with Customer service long help, on XX/XX/XXXX, not on XX/XX/XXXX. 
I was told back in apx XX/XX/XXXX, that a special team is working on our problem and will call us. 
We never heared from them. 
Please, advice what else can we do, thanks, XXXX XXXX & XXXX XXXX email : XXXXXXXXXXXX tel XXXXSince that time, the problem is not resolved or explained. 



The problem with new account on line that EVERY time the previous password is not accepted, we have to create a new one with help of their Customer Service person whichtakes a lot of time and nerve every time. 
This trouble started when we transferred some money to our regular bank,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently did a chapter XXXX and the other credit company XXXX my information that was filed but Equifax removed some then put backon there saying that filed it as being placed under my chapter XXXX come to find outshe did it a Satisfied Judgement not she said after 90 days no changed in my sscore hopefully it will. Then told me I had to join Equifax to get the realscore not a third party. Never Heard such mess. Hopefully they will fix becausemy discharge is up but still have thing that was disputed open?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried for at least 6 months to get items that are incorrect and or not mine removed and XXXXEquifax seem to do whatever they want with my credit. I have submitted documentation and reached out to the original creditor etc. I do not know why it seems the information the bureaus get does not seem to match what I receive. I am tired of this battle an then it takes more than 30 days to get a response to my issues or I wait all this time for the same response that they WONT RE-INVESTIGATE. Why do consumers have to deal with this? I am so close to being a First time home owner and its like i am fighting a never ending battle about MY CREDIT! I am to the point of wanting to sue as this is so XXXX to deal with and no one wants to get on the same page. I have accounts ( XXXX ) that get deleted for Fraud a year ago and the company sells the account to another source and they change the amount to try and make it valid of mine under the new source???? ( I attached this as an example ) This is crazy. I 'm ready for my credit to feel protected and accurately reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
by mistake my property taxes were calculated in XX/XX/XXXX without the homestead exemption. When we realized we were paying the double of property taxes, we went to our County office to get that corrected. In XXXX XXXX they corrected that and they returned to Seterus ( mortgage bank ) the money that we had overpaid. So we expected to get our money back ( {$1300.00} ) and to get a new escrow analysis because the payment for property taxes was not XXXX it is XXXX. We have called them several times and nobody has an answer for us. We also paid our flood insurance cash for ourselve and they continue charging us a mortgage payment with the wrong property taxes and with the flood insurance included. We are paying XXXX instead of XXXX. They are making us to fail in our payments because we are a family unable to pay that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Disputed aged out account showing last payment date XXXX/XXXX/06 ; and duplicate reporting by XXXX XXXX XXXX, showing Open Credit.

Company response to consumer: Closed with explanation