vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
We requested a Loan Modification from Wells Fargo back in XXXX. They granted what we asked for. However Wells Fargo went up XXXX dollars more on our mortgage payments. We're surveillanced by them 24/7. Their employees were daily at my Wife 's job and followed me around my entire ROUTE. I have proof that it's Wells Fargo. I went to jail for reckless driving on XX/XX/XXXX running from their investigators and hired organizers. They have put in place Community Policing to hide their evil tactics. We are surrounded and harassed daily. We decided to sale our home because of the HOSTILE HARASSMENT. XXXX XXXX XXXX XXXX Texas XXXX. Now we're back here in XXXX Louisiana waiting for our home to be sold. The same group is here FOLLOWING us. We are surrounded by Electronic Harrassment. Now lets be clear, I don't have a mental instability. I don't know what lies they've told. I can say that we're being eavesdropped on. Whenever we're out we hear our conversations repeated in all public places. My car was wrecked twice and my SUV once. This is all done covertly. We have plenty of pictures and the police know and they are participating in this STALKING. If I'm being investigated arrest me. All of this surveillance is designed for me to get arrested or killed. We're tired being boxed on public highways. Wells Fargo bank and their Investigators recorded our conversations and put them in the streets. The VERY things we talked about at home or in our cars was put in the streets. I'll stop here for now. Thanks for your time 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 2019-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
On XX/XX/19 my mortgage with Roundpoint Mortgage Servicing Corp was paid off. At this time I had {$4600.00} in my escrow account. On XX/XX/19 my escrow balance went to {$0.00}. On this day I called their North Carolina office to find out what happened to my money.I was told that they sent me a check for the amount.On XX/XX/19 I again called them because I had not received the check. At this time I was told that they had mailed the check out on XX/XX/19.On XX/XX/19 I again called because I had not received the check.This time I was told that it takes 7 to 10 business days for it to get to  me. Since it was the seventh business day since they mailed it I should get it by the end of the week.For the record it does not take USPS 7 to 10 business days to get a piece of mail from North Carolina to  Florida.On XX/XX/19 I again called because there was no check. I wanted them to stop payment and send me a new check. I was told that they could not stop payment until 30 days had elapsed. I would have to wait until 8? XX/XX/19 to request a stop payment. However XX/XX/19 was a Saturday and Monday was a holiday so I would have to wait until XX/XX/19. He did give me the check number which was XXXX so I could give it to whoever took the call on XXXX.On XX/XX/19 another call and requested a stop payment and new check.At this time I was told that it would be 2 weeks before I would see the check. They had to make sure that the check had not been cashed and then issue a new check. Today,XX/XX/19, I called because no check. I gave them 3 weeks! The first thing out of her mouth was that it takes two weeks just for the stop payment process. I can stop payment on a check with my bank today. Who are they kidding. She put me on hold to check on the process. Are you ready? She came back and told me that the employee who submitted the stop payment request had not submitted the check number for the stop. The section which handles these requests rejected the request and my ongoing process came to an end. Do you believe this. If I had not called, nothing was going to happen in getting me my money. At this point they have had my money for two and a half months. Im sure they are making money on my money.She submitted the proper paperwork but it is still going to take two weeks to stop payment and another two weeks to get a check to me. This is totally unacceptable. Three and a half months to give me my money. I should be able to charge them interest! The bare minimum they should have done is wire transfer my money to my Florida account ; but they won't.

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 2019-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
This was a new loan. Autopay was set up immediately with my bank to make these payments every month. 
My XXXX payment was cleared out of my XXXX XXXX Checking Account on XX/XX/XXXX for {$1700.00}. 
On XX/XX/XXXX Loan Depot made an electronic payment into my XXXX XXXX XXXX Account for that same amount of {$1700.00}. 
I tried to resend it to them and on XX/XX/XXXX my XXXX payment for {$1700.00} was cleared out of my XXXX XXXX Checking Account again. 
On XX/XX/XXXX Loan Depot made an electronic payment into my XXXX XXXX Checking Account for that same amount of {$1700.00}. 
I called and was told by Loan Depot they never received that payment and to resend it again as they had received all of the previous payments with that payment method. 
On XX/XX/XXXX I again had the payment of {$1700.00} for Loan Depot posted as cleared from my bank account. 
On XX/XX/XXXX the payment was again electronically submitted by Loan Depot into my XXXX XXXX  Checking Account. 
After this I called Loan Depot again XX/XX/XXXX. We did a conference call with my bank XXXX XXXX  and Loan Depot to try and determine what was going on. During this call the Loan Depot representative with the XXXX XXXX  representative figured out that Loan Depot had previously changed my loan account number. This is why payments were being returned because my loan number was changed it was being returned as a nonexistent account. 
XX/XX/XXXX I called Loan Depot to determine why they were reporting me as 30 days late on my payments. I spoke to XXXX XXXX XXXX and was told she found that recording and was going to escalate it to the supervisor. 
XX/XX/XXXX I contacted Loan Depot via chat. I was connected to XXXX XXXX who wrote that a supervisor would be giving me a call within 24 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I got a notice from a credit monitoring company that I had a new address on file. I checked my reports and saw that Equifax is reporting an OLD address as my current address however they sent me a letter to my current address asking me to verify my ID and address information. I never changed my address with them nor made any request to so why they would take it upon their own to change my address to an old address is beyond me but now I am concerned bc my credit information is going to someone else which makes my file subject to fraud and ID theft. I have had several complaints with them about erroneous information that they are reporting and now my ADDRESS??? It needs to be corrected ASAP.  They have already proven themselves to be untrustworthy amongst millions of consumers with the 2017 Data Breach so they really don't have a good reputation of reporting accurate information nor protecting it. FIX IT EQUIFAX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: GA

Complaint narrative:
I've been pretty consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit I didn't understand until I checked my credit report. I see two XXXX XXXX accounts that are not mine. I've contacted the police and FTC. These items are still on my credit report : XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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've been pretty consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit I didn't understand until I checked my credit report. I see two XXXX XXXX accounts that are not mine. I've contacted the police and FTC. These items are still on my credit report : XXXX 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 non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I received an email that appeared to be from my real estate agent stating that HUD does not accept cashier 's checks for closing costs and that I needed to wire my funds of {$9000.00}. When I replied with a not so nice email complaining about the changes in the process I was emailed the wiring instructions that now appeared to be from my mortgage agent. 

The information given to wire the funds is as follows : Bank : Wells Fargo Account name : XXXX XXXX XXXX XXXX XXXX   Acct no : XXXX Routing : XXXX Bank address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Remembering the details of my " Wire Fraud Warning Notice '' I received from my mortgage agent I immediately called her to confirm she NEVER sent any such instructions. 
If this person is caught I am afraid they now have my new home address.

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 2019-09-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I'm unable to open an investigation into some negative remarks on my credit report with TransUnion. There is no contact information, the guide to submit a dispute states there are options that are missing on their form to submit a dispute. The website only leads to paid account signups, I had to use a search engine to find the right page to even try to submit a dispute. 
I am unable to have the false negative remarks even investigated by TransUnion. 

Background information :. I've been able to open investigations and Ultimately clear negative remarks that shouldn't exist on my report with the other two major credit reporting agencies ( XXXX and 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 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have disputed the charge for the XXXX student loan several times, but Transunion has not been resolved the issue I have requested. 

Pennsylvania has a statute of limitations of six years for typical debts. If it's been more than six years since a credit card debt or contractual loan obligation became due, the creditor can no longer take collection actions for that debt. This is a standard statute of limitations and is on par with most other states. 

This charged off from XXXX loan is much more than 6 years. XXXX loan has reported the wrong information to Transunion. I have requested to remove the XXXX loan from my credit reporter but they have not resolved my request. 

I also have disputed to XXXX loan company about this issue which they have reported the wrong information about my loan. XXXX XXXX XXXX reported in 2014 to Transunion and others, but other credit report agencies have removed my dispute charge. 

Charge off loan should NOT be on my credit report which has passed more than 7 years. 

For that reason, I would like to report about Trans union to correct and remove the information about my past loan.

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 2019-09-25 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: EQUIFAX, INC.
State: CT

Complaint narrative:
My Equifax Credit company damaged my credit score by reporting an incorrect balance of XXXX  XXXX XXXX Credit card ending XXXX. My Equifax Credit Score was an XXXX and it drop to a XXXX do the Negligence of Equifax reporting improper balances. They report the account with a balance of {$16000.00} and my credit limit for this credit card is only {$2000.00}. My equifax credit score drop to XXXX and my credit Utilization is 842 %. My equifax has cause great stress in my finacial personal life. I was rejected by banks, credit companies, and ended with 3 loans with a high interest because I didn't know of the Equifax negligence. I am attaching letter from the Equifax website that they have not change my credit score and not change the balance of {$16000.00} dollars. I would for equifax to be liable for the stress and issues that they have caused with my credit. Equifax the company continues to be careless with people 's credit score, and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-09-25 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VW Credit
State: UT

Complaint narrative:
I got a loan for a used vehicle from VW Credit at the auto dealership XXXX XXXX in Utah. On XX/XX/2018 XXXX XXXX pulled my credit score and then did it again XX/XX/2018. VW Credit also pulled my credit score on the same day XX/XX/2018. I was not aware of these multiple pulls until I recently applied for a credit card and I could not get approved because of having so many hard inquires in such a short amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: FL

Complaint narrative:
Since on or around XX/XX/2017 I have received negative reporting on my credit from XXXX XXXX who has now sold to Diversified Consultants Collection agency which claims I owe a Debt in the amount of {$260.00} from Original Creditor XXXX XXXX XXXX They have refused to provide me with details, account information or why this debt is owed since I closed an account with them in 2017, paid a final bill and returned equipment. I have attempted to dispute this with the major credit bureaus but they have no resolution or answers to provide me with substantial evidence for this debt. Diversified continues to report derogatory remarks every three months and continues to put it as a NEW debt and New Collection. They are not communicating other than bad reporting on my credit and will not provide proof of my owing this debt. I would like resolution to this harassment and false reporting and action to be taken on them but I am forced with a hardship of having pay for a lawyer to cease the derogatory and false reporting. 

A collection account is considered a continuation of the original debt. It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. This agency persists in reporting old debts with updated activity dates. This has gone to multiple collection agencies and not one has provided a valid proof of debt or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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:
Contacting you all again. I tried to get a personal loan from my bank that l I've banked with for over 10 years and I was denied. When I asked why they said my credit was too poor. I was confused because I pay my bills on time and don't owe a lot of people. When they showed me my credit I was shocked to see things on there that wasn't mine. These items are still on my report : XXXX. XXXX XXXX XXXX XXXX, XXXX  XXXX, 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 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
First..this company called my brother..told him l was bring sied for a DEBT..then told him l needed to call right away..the number l called was XXXX XXXX XXXX..at XXXX XXXX XXXX ... xt XXXX ... asked for info he was vague about the debt..and claimed to be filing a lawsuit..l had s credit card from hsbc but didn't use it..returned the card..didnt like all the fees..had a XXXXlimit but feed ate up XXXX $ of it..sent it BACK cut up..l am XXXX that this was an egregious anf illegal attempt to het money..they clsim to BE sending a letter..but THEY SAID that 5 other times..l want this stopped..and immediately closed out as invalid debt ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was in XXXX XXXX and used my CITIBANK credit card at a used clothing store ( like our goodwill store ). I can not find receipt. When i got bill CITIBANK charged me {$3500.00} for a purchase.I thought that they just didnt convert to dollars because in XXXX XXXX currency that amount is approx {$5.00} and is the most I would ever pay for some used clothing.This happened the end of XXXX and they are making me crazy. I have many times called, mailed, filled out their forms, and sent pictures of store which shows name on bldg. 
I have dates, etc They tell me they will get back with me. 
They call and demand payment. 
This is terrible and is affecting my health 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 2019-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/19 I was on the phone with the automated system of Synchrony Bank to pay my Banana Republic/Gap credit card due on that day. I didn't use the representative option because they charge money. 
My due date was XX/XX/XXXX and as my clock turn XXXX XX/XX/XXXX I didn't have an option to call the representative and I explained to the representative over the phone that : I was on the phone until XXXX east time trying to make a payment with the automated system. 
Because the system didn't take my payment I called at XXXX to speak to a representative and because the due date passed for 30 minutes already they charged me Late fees.

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