vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I have been trying to get a loan modification but Wells Fargo hasnotgiven me a loan modification instead they have advised me by letter they were going to raise my mothly payment for escrow from the original {$1500.00} per month by {$100.00} & due to being in default because of lost of job trying to find a new one paying anywhere near what i was making after months of calling them for last 2 years ion which it took that long for me to hear from them they claimed they were giving me a modification the amount came back to the same amount i originally paid before the escrow was added i was told by their representative that i did not take it they could decide to not give me a modification at all worthy could increase it altogether i have filed for bankruptcy but has been dismissed now they have tacked on astronomical fees for an attorney in which they have not done anything to try to help me get back n my feet i have now been making payments monthly for they amount they have requested on time but can not get them to make a reasonable offer to help me get caught up by putting this amount on the backend of the loan i went to make payment on time recently XX/XX/19 they refused my payment for the monthly mortgage what i have been reading about is wells fargo has happened to me also with any of their banking representatives trying to help me instead of intimidate me into situation if i do not agree that my taxes & bank statements show clearly nit making same amount each month

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 2019-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: International Computer Systems, Inc.
State: GA

Complaint narrative:
XXXX telephone company over charge me I told them I didn't want the internet service anymore and to come at there equipment I had unlimited data and they charge me XXXX dollars for one month they sold the account to a collection agency called XXXX XXXX XXXX I tried to explain and they want the same amount I don't owe them nothing we never had a sign contract so they report it to my credit I never received a letter say that they have sent it to collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is a second dispute concerning issues of addresses that are not mines. I have had my personal ID and SS # compromised. The listed address were used for fraudulent activities and I do not wish to have my name associated with the following addresses:XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX. I do not live at these addresses my personal information has been sent to these address because they are on file in your database and it is not correct. It maybe some relative or family member.

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 2019-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
There was this girl who had said to send {$40.00} on Saturday, XX/XX/2019to a PayPal account at XXXX. Then, upon completion of the payment proceeds to tell me that, oh yeah sorry that was a mistype, the real Email is, XXXX told me to just resend it to that one. But the payment already went through to the other Email, which I'm assuming is still hers, and I can't cancel it or get it refunded at all ... Paypal hasn't taken any action as they take forever to get back to people about serious problems like this which is incredibly unfair ... ..I need that money back, this is not ok ... Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Yes i had accounts with paypal and XXXX a sub company of Paypal .. well a lil over a year ago on XX/XX/XXXX on my XXXX account i received a payment transfer of XXXX dollars then XXXX and finally another XXXX dollars bringing my balance to XXXX dollars .. so at that point i tried transfering it to my bank account like normal .. i received my confirmation for both transfers and was even provided a date for when my funds would be available in my external account .. well a day after i made the two transfers i tried logging in to find my account had been frozen i immediately call XXXX support to find out what's going on. Theb only answer I'm givin is an account specialist will be in contact a week later i receive an email stating my account will remain closed and they have no further information .. i continue to call for months but to receive the same answer.. a year later i get an email stating i can log on to my account but to only transfer my funds to my bank .. however upon logging in i still see the initiated transfer i made but then see a notifaction that says paid to XXXX before account closing .. and yet there was XXXX dollars in my about from the same balance .. when i ask there support what happened to the XXXX remaining from that Balance they say it was sent back to my balance yet there's no transaction no record no proof only a notifaction saying they took my money and paid themselfs with it. And now paypal had done the same thing closed my account for receiving a. XXXX cent payment denying me access to the funds from my account yet continue to take my money and the reason im giving threw email shows i tried to make transfer to my bank account that faild. So under no circumstances would that give them any rights to take it yet they've done so twice and more continues to come out of my balance as time go one

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: CORELOGIC INC
State: OH

Complaint narrative:
This is a second dispute concerning issues of addresses that are not mines. I have had my personal ID and SS # compromised. The listed address were used for fraudulent activities and I do not wish to have my name associated with the following addresses:XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX. I do not live at these addresses my personal information has been sent to these address because they are on file in your database and it is not correct. It maybe some relative or family member.

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 2019-04-14 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: LEXISNEXIS
State: OH

Complaint narrative:
This is a second dispute concerning issues of addresses that are not mines. I have had my personal ID and SS # compromised. The listed address were used for fraudulent activities and I do not wish to have my name associated with the following XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I do not live at these addresses my personal information has been sent to these address because they are on file in your database and it is not correct. It maybe some relative or family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Capital One Platinum Credit Card. Last year I was going through financial hardships because I was in between jobs. I could not make a payment on one of me credit cards right away and missed the payment due date. 
I was unaware because of my lack of credit knowledge until know that this was disputable. This is my first credit card and it has since hurt my credit score because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: MS

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I went to school from XX/XX/XXXX -- XX/XX/XXXX. I went to XXXX school at XXXX XXXX in XXXX. The school cost was 11,000ish, and after the grants we was to repay 6000ish back.It was a 10 year loan. We started making payments in XXXX to sallie mae. We have never been delinquent, but we have had a financial hardships. We have had 6 months forbearance a few times through out the loan. I believe it was in XXXX navient took over the loan. So I was trying to talk to navient, and they kept referring to the loan starting in XXXX. I have tried to tell them over and over, no this loan started in XXXX. My records indicate that I have paid XXXX towards this loan. Navient says I have paid 12,000ish just since I have been with Navient. That is not including what I have paid Sallie Mae. I have asked them to squash this loan. I have paid XXXX for a XXXX student loan!!! Oh it gets better, they say I still owe XXXX on the loan!! You have got to be kidding me! they want me to continue paying my XXXX until EVER!!! When its all said and done, even if I had the XXXX in cash to pay now. I would have paid {$23000.00}. Thats if I paid it off now, and I cant. So if I continue, your are talking about $ 30000ish for a {$6000.00}!! i am the sole provider to XXXX children!! I now own my own business and 5 of those XXXX children no longer live at home! This is simply unjust! I have asked for all the original records and pay history, and no one knows where it is! I wont stop until I get answers and this loan forgiven!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have disputed the student loan account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this..

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 2019-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I submitted a dispute to XXXX XXXX XXXX XXXX disputing the reported amount due from PENN CREDIT CORP # : XXXX. The reported amount is {$2900.00} however I have a statement from XXXX that reflects an amount of {$2400.00}, a {$500.00} difference. XXXX removed this from my credit report however XXXX XXXX investigated & the negative report will remain in their database. I'm disputing this inaccuracy & requesting this incorrect information be removed from my credit file through XXXX XXXX. I've attached a copy of the statement from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a dispute to Trans Union & XXXX disputing the reported amount due from XXXX XXXX XXXX # : XXXX. The reported amount is {$2900.00} however I have a statement from XXXX that reflects an amount of {$2400.00}, a {$500.00} difference. XXXX removed this from my credit report however Trans Union investigated & the negative report will remain in their database. I'm disputing this inaccuracy & requesting this incorrect information be removed from my credit file through Trans Union. I've attached a copy of the statement from 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 2019-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: GFS II, LLC
State: MI

Complaint narrative:
I received court documantation in regaurds to a vehicle that was sold to me stating that I am being sued for the balance of the vehicle after contacting the financial institution for a voluntary repossession when the vehicle having multiple issues from purchase finally broke down completely. My initial complaints weren't submitted to Gateways Financial 's representatives but to the dealer and to my salesman. It wasn't until later, after I'd gotten nowhere with the salesman as we couldn't agree on a time and date because of my work schedule and my at the time pregnant misses and our appointments that I expressed my displeasure with the representatives of the company by way of phine and email on how I'd been sold an unfit vehicle that had not been given it's multi-point inspection after being told by my salesman it had to ensure it's safety before the vehicle was sold. After performing my own inspection of the vehicle when winter finally broke and was able to do so is when I dicovered the issues that could have left me or my family seriously injured or deceased. Pertaining to the outer tie rod ends as they control steering. When one fails, the tire, if it's the front driver side slams extreme left, the front passenger side slams extreme right pulling the car in that direction and if not acted against immediately meaning would either send the vehicle and it's occupants ( myself or my XXXX lady ) into oncoming traffic or into a ditch, tree, embankment, etc. at 55 miles an hour as all main roads leading to towns are posted at that speed limit. I also submitted my at the time address of which the vehicle was located for pick up after the fuel pump expired expressing to the representatives that after all that had transpired up to the fuel pump failing that with a XXXX an at the time XXXX year old and my misses being out of work for 6 weeks recovering from a XXXX XXXX that I wouldn't be able to continue financially with repairs and a payment. Even after Gateway 's attempt to refinance me at a lower rate it still would not have been possible to pay for repairs, car payment, housing costs amd utilities with all that was going on..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I am receiving emails threatening to sue me as well as charge me with Bank Fraud Violation of Federal Law of Debt and Banking. Intentional Theft by Deception. 
I've never received anything in written handwriting only an email. I had XXXX on this quite a while ago about a year ago XXXX XXXX and now we're sending me threatening emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
my vehicle was improperly repossessed. Before the vehicle was repossessed, I made a payment and the rep asked me when i would be able to make another payment. I told her the date and she documented it and state my name WOULD NOT be on the repo list as long as i pay that amount. the car was later sold, but I was not made aware of how much it actually sold for. About two months ago, i checked my credit and it showed {$4800.00} as the remainder. I called and was told i could pay half to settle which was {$2000.00}. I paid that amount but {$4800.00} is still showing on my credit score. This is hindering me from obtaining a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I receive 4-6 calls a day from this company, the first time I answered the phone to ask them to validate the debt is mine the collector asked you are XXXX XXXX? this is your debt! if you do not pay we have means to sue you after that I never answered another call. I blocked one number and I have now been contacted by 2 more. I dont like to be threatened or harrassed when all I was doing was exercising my right to prove that this debt is mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: MI

Complaint narrative:
This is a continuation of a previous CFPB Complaint under Case # XXXX. Please refer it for detailed background description. We are very satisfy with the XX/XX/XXXX letter response from XXXX XXXX of Citi Execute Response Team. The letter is attached for your reference. 

However, the XX/XX/XXXX charge in dispute is reappeared on our bill on XX/XX/XXXX. The statement file is attached for your reference. During the period of XX/XX/XXXX - XX/XX/XXXX, we received ZERO communication from Citi. From XX/XX/XXXX to now, we have made numerous phone calls to Citi and received ZERO promised return phone calls. This is in direct contradiction of the statement in XXXX XXXX letter : " Should the merchant provide documentation to support their claim, we will contact you at that time to discuss the details of their response. '' As we are the direct witness of the Merchant misrepresentation, any falsified documents or statements from the Merchant in this dispute can be easily uncovered by us. All it needs to take place is for the Citi investigator to communicate with us during the dispute, just as XXXX XXXX stated. The promise from Citi executive team is nice, but it seems that it doesn't translate into actions for its investigators. 

Based on our experience, Citibank has many good people working hard to do the right things for its cardholders. But its investigation team appears to have the culture of ignoring or presuming guilty on claimants. They make the Citi slogan " Citi is with you before, during, and after every purchase '' a bad joke.

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 2019-04-14 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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX  XXXX XXXX and 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