vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax continues to send me a letters stating the identification information I provided does not match their records. I sent a clear copy of my Driver 's License and Social Security Card. Equifax 's latest letter was dated XXXX XXXX, 2015 asking for this same information that was sent with a previous dispute letter. Please assist me in having Equifax delete or verify unauthorized Inquiries and disputes within the 30 day time frame. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is in violation of the FCRA by not giving my case a fair investigation. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are all fradulent accounts. XXXX XXXX XXXX claims the account has an address in XXXX Virginia, that it was closed out with my wife 's maiden name on it 2 years after we were married, and has also claimed that they filled a XXXX with the IRS stating that it has been claimed as miscellaneous income and therefore the debt can not even be collected since it was declared as income. XXXX XXXX XXXX had a settlement agreement with me stating that the debt can never be collected upon as well as being fradulent and XXXX XXXX has never provided me with the results of their investigation. All XXXX of these accounts are fradulent and were opened by an identity thief. Neither of these banks has ever provided me with a contract and Virginia law states that with no contract produced, these companies have 3 years to collect and it has passed 3 years. I have provided proof of everything I have written to Equifax who refuses to investigate and says that my name, SSN, birthdate, and address are correct according to these companies, of course they are going to say that, they want money and do n't care who gives it to them. Equifax is in violation of the FCRA, judges have found in favor of plaintiffs against Equifax many of times stating that the only information Equifax requires for a report is not in compliance with the FCRA since that information was used to open the accounts. If Equifax wants to part with money then I will take it, but I will be able to show a judge that I tried in good faith to keep this out of court. Equifax has until XXXX XXXX to remove the fradulent information or my lawyer will file the paperwork with the court to begin a lawsuit. I will not settle, so this gets fixed now or infront of a judge. If you want a copy of the XXXX, ask your buddy XXXX XXXX XXXX to provide it as they claim to have written it up and I never received it. I also do n't care what these accounts are reported as, they are hurting my credit and are fradulent. If XXXX XXXX XXXX and XXXX XXXX XXXX are not active collection accounts then why are they actively trying to get me to pay these accounts back, that seems like a collection account to me. 6 days until my lawyer files a lawsuit, I am not playing. I also want to point out for the record that your last response did not state any address as being reported as mine, are you trying to hide something?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax for the 4th year in a row is producing the message : " online delivery unavailable - mail in request '' when requesting my annual free credit report. I have no problem accessing/receiving my report from XXXX XXXX or XXXX. I have no freeze on my credit. I was not prompted to answer any questions on the annualcreditreport.com site when making the request from Equifax, I was prompted to enter the last XXXX of my ss # then I received the above message. I do not want to mail in the report form because it contains personal information - no one mails ss # 's or other info any more & I dont want to receive my report by mail. XXXX is deliberately refusing the online report as they are required to do. There is no way of contacting them by phone, they have no capability to create a profile & contact them online or by phone as XXXX XXXX & XXXX both provide. Equifax is not living up to the requirements outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im trying to get my free credit report and i cant

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
They will not respond to any of my disputes. 
XXXX XXXX XXXX for $ XXXX I have never had a student loan with XXXX XXXX XXXX XXXX 
They say this is from 2011? I did not get a student loan from these people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I noticed today ( Equifax ) that XXXX XXXX reported that I opened an account with them in XX/XX/XXXX and it has been charged off. They are deliberately reporting wrong information and not following the FTC reporting rules. 

I opened a XXXX XXXX account in XXXX or XXXX. I lost my job therefore I stopped making payments in XXXX. The first delinquency has been well over 11 years. Matter of fact, XXXX XXXX reported me to the credit bureau during the time of delinquency and after 7 years it was removed from my credit report accordingly. If this is the account being reported then they are in violation. However, if someone fraudulently opened an account under my social, I am requesting that this be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax re-inserted accounts on my credit that do not belong to me without proper verification. I requested that Equifax verify the " method of verification '' under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit reporting agency must give you the method of verification information within 15 days of your request. Equifax have not done so. These are the accounts that do not belong to me : XXXX, XXXX, XXXX XXXX, XXXX, and XXXX 2007 account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, the borrower submitted a modification application to Wells Fargo Home Mortgage ( " Wells Fargo '' ). At Wells Fargo 's request, the borrower submitted additional documentation on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, Wells Fargo issued a letter in which it stated that it had approved the borrower for a trial payment plan. In this letter, Wells Fargo also stated that the " terms will be provided in a future communication. '' To date, Wells Fargo has not provided a written description of the terms of the trial modification, and has failed to provide even the amount of the monthly trial payments and the start date of these trial 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 2016-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had a Wells Fargo account and they charged me off for what reason i dont know, and now they are trying to charge me {$260.00} or so. I called to complain about fraudulent charges on my account, and they just brushed me off, and told me they cant do anything for me. Wells Fargo is doing shady business, and its sad you ca n't even trust your own banks anymore. I would like to get this taken care of please, because they have crippled my credit and score bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hodosh, Lyon & Hammer, PC
State: RI

Complaint narrative:
I have received a debt collector letter stating I owe a debt. I have never owned a credit card nor do I know this bank. I do think they have the wrong person on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Today I received a letter from Wells Fargo Stating that our house is not qualified for FHA Mortgage Insurance Removal. I contacted wells several and explain the FHA rules in regulation regarding FHA Mortgage Insurance Removal, according to Wells Fargo agent ( XXXX ) he said were not qualified of removing our FHA Mortgage Insurance, According to their letter dated XXXX XXXX, 2016 " The mortgage insurance will expire is based on the original amortization schedule at the time of closing. According to that schedule, your mortgage expiration date is XXXX ( i ca n't find in the our contract ). You must also meet the 78 percent LTV ( loan to value ) requirement. Your mortgage will reach 78 percent LTV when principal balance reaches {$490000.00}. Your current principal is {$540000.00}. Please note that new appraisal will not be taken into consideration ''. The last paragraph stated " Please note the new appraisal will not be taken into consideration, this wrong statement. According to Federal Housing administration " one of the requirement can remove the FHA mortgage insurance based on new appraisal of the property ''. Now the value of our house is approximately {$10000.00} ( XXXX XXXX and XXXX XXXX thousands ). According to Wells Fargo we are not qualified to remove the FHA mortgage insurance and the appraisal will not be taken into consideration. Wells Fargo is wrong. I have the documents that I can prove that wells fargo doing is wrong, they are not following the rules and regulations of FHA procedure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Started XX/XX/XXXX trying to do a modification of the loan. They asked for paperwork which we sent several times because they kept telling they did n't get it and also kept asking for more paperwork. We did this at least 6 times. This went on through XX/XX/XXXX. We kept calling them each to make sure they received the documentation over and over. We never heard from them after XXXX through XX/XX/XXXX. When we finally heard from them again XX/XX/XXXX, they told us we were now in Foreclosure. We have done everything in our power to get this resolved with no help from anyone at Wells Fargo. No one ever returns our phone calls. When my wife finally talked to a representative ( her name is XXXX XXXX - phone # XXXX ) she told my wife that we would have to liquidate ... she did n't explain what that meant or anything. She just hung up. 
I also do not believe the appraiser did an accurate job on the appraisal. There is a basement and I do n't believe he included any of that square footage. 
I have now have a full time job and am no longer self employed. I am working 7 days a week and working lots of overtime to get this remedied. We do not want to lose our home and we are doing everything necessary to keep it. Thank you so much for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo send me a letter, the reason I could not refinance my loan supposedly not enough assets. I do have enough money into my account to pay for settlement. I have try to reach out to XXXX XXXX XXXX XXXX what other options I have for refinancing my loan, no returned calls have been made. I have XXXX skip payment for this month, and the money that is in the bank is for settlement cost if they decide to settle with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I lost employment in XXXX XXXX and can not work due to an injury on that same job in XXXX XXXX. I contacted my mortgage company to apply for a Modification. At the time My income was over {$XXXX} per month for three months ( until my contract as a XXXX ended ). I explained that after that time my income would end and I would be on Workers Vompensation insurance. I did receive a Modification that reduced my mortgage payments from just over {$1200.00} per month to about only {$1100.00} per month. After one year, XXXX XXXX, I called again to see what help I quaualified for and was told that I 'could n't get another modification within two years '. I told them that I did n't think that was the law. I was also informed that I would be considered for forms of help. The result was I did not qualify for any help from Wells Fargo Mortage although I have been a mortgagee for over five years had a good payment history for those years. I informed my representative that I was unhappy and believe they trying to force mebintonforecliser. I am XXXX years who have divorced for over 13 years. So, I needed the temporary help until my injury is treated and I return to the workforce. I am very displeased that they dropped my mortgage payment about {$100.00} after the Modification. However, when I contacted them in XXXX XXXX I was seeking temporary help until I was able to return to work. However, I was asked about selling on a short sale and other questions that led me to believe they rather force me to foreclose. Sine, that time, I have received letters demanding that inpay XXXX payments or more at a time to catch up. I told the representative that I could stay near caught up ( XXXX payments behind ) until such time as I file for my income tax refund in XXXX XXXX. Although the company when through all the protocol required to help me, I feel that their intent was not to consider me for another Modification, nor for other help. They continue to ask if I want to keep my home as a standard question. I have always told them Yes. But, I do n't believe that they are theists rested in helping, even temporarily. I need for them to help me with lowering my payments for as long as it takes me to get on my feet from the injury.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
unfortunately no one has contacted me, I 'm angry and frustrated with this situation, you really need to do something with this BANK Wells Fargo, almost 3 months of this problem and not call, no one left not knowing me what has happened with my dispute case that I place from XXXX XXXX 2016 I 'm attaching you again the information. 
they just telling me is nothing, only that they waiting for responds!!. and me too I 'm waiting for answers and results!!! 


XXXX XXXX/XXXX/16 XXXX XXXX XXXX Dispute Initiated XXXX/XXXX/16 Upload Cancel XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Initiated XXXX/XXXX/16 Upload Cancel XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX Dispute Initiated XXXX/XXXX/16 Upload Cancel

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 2017-03-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have XXXX student loans serviced by XXXX ( XXXX ). I refinanced both loans into a single loan with Wells Fargo, and my husband cosigned the loan. According to Wells Fargo, they sent a check to XXXX on XX/XX/2017, and began accruing interest on the balance they had lended to me. It is now XX/XX/2017, and XXXX is saying they never received the check from Wells Fargo, and that I am late on my XX/XX/XXXX payment to them. I have already paid the maximum that I can afford to Wells Fargo for the month of XX/XX/2017, because I did not know that I would have to pay both loans simultaneously. 

I have had multiple conference calls with XXXX and Wells Fargo customer service representatives. XXXX says that Wells Fargo has to provide an image of the check and proof that it was cashed, if in fact the check was cashed. Wells Fargo says that they can not provide that. 
Also, Wells Fargo says that it can take 60 days for the check to process, but by that time, I will be 63 days late on my payment to XXXX, and XXXX says they will go to the credit bureau by this time. This will damage my credit. I essentially am burdened with twice the debt that I originally had, and am offered no solution from either bank, but to pay XXXX for a 60-day period until the payment processes. 

My XXXX account is under My maiden name ; XXXX XXXX, and my father XXXX XXXX My Wells Fargo account is under my married name XXXX XXXX, cosigned by my husband 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 2016-02-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My accounts have been charged overdraft fees for several years without my consent into the program. When I learnt of the Cfpb rule on this practice, I contacted the bank to show me the single page opt-in consent form that I should have signed according to the cfpb rule but they could n't 3 weeks after I presented the issue to them and up to their legal department and several trips to their local branch office. 

I want the bank to refund all monies that is owed to me through these unauthorized charges since the opening of both accounts.These accounts were both checking and savings, only one option is being allowed in the drop- down field below.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is my second complaint about Wells Fargo, I am trying to do a loan modification for the past 2 years and I keep getting the run around I sent the paper work in a bunch of times, all I get in response is your missing something, than I 'll send that and they tell me I 'm missing something else, than I have to redue all the paperwork again because it expired, I send it in again and again your missing something this has been an ongoing thing and I have been really XXXX over this whole thing had to get XXXX family problems my partner of 13 yrs left because of this whole mess, I 'm falling apart here I want to keep my home and need some help fast before they forclose on my home, I got a email from you saying to call about my first complaint, I called today and the man could not help me with anything, said the wrong stuff was written down from someone there at cfpb wrote the wrong stuff down, he said he would call me back it 's been an hour now and I still have not heard back from him, I need to get this resolved BEFORE I loss my home so I can save it, while I 'm in the modification process I get a letter saying the XXXX with be handling my loan, I 'm trying to get a modification from Wells Fargo now I got ta deal with another company and get all new paper work, this stress is going to kill me and than it will be on Wells Fargo hands, so please can someone take care of this asap

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Recent flood insurance claim check was written to the mortgage company and me. it 's now in a secured escrow account and they wo n't release funds to start the repairs to my home. I 'm doing the work myself so they stated that I would have to purchase the materials first then they will reimburse me. So I have to come out of pocket first. They have also taken it upon themselves to make checks payable to the companies that we have submitted estimates for. I try to explain to the Insurance Claim Specialist that the quote was an estimate which can change based on how much material we will need she stated ; we would have to submit yet again another invoice. I tried to explain that this is holding up the building of the home to make it what is was prior to the flooding. She then expressed that 's it 's a process. I then asked for the written notice of this process she then expressed that its and internal memo and she can not share. She then said that I will be reimbursed by Tuesday for the materials that I have purchased so far and I have nothing yet. How is it that a bank can take it upon themselves that make checks payable to outside sources without my permission? 2 months post Hurricane XXXX and NFCU is no help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief