vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Hi my name is  XXXX   XXXX , I have a complaint to write about my banks with my home loan. My current ban k Wells Fargo Ba nk has received my full Request for Loan Modification packet that I sent in recentl y. Wells Fargo B ank admits they have received t he Request for Loan Modification  packet but they still have put my home for foreclosure sale which is scheduled for  XXXX  -2017. I do nt know why they are posting my home if they have a compl ete Request for Loan Modification  packet. How am I supposed to deal with this now they are saying its too close to the sale date to do anything.   I originally had my loan started with  XXXX   XXXX    XXXX   I used to pay all the time and on time around {$1100.00} per month for my mortgage until the recession hit and I was affected very badly by it. I lost a very big amount of income and could not pay the loan. After some time I got back on my feet and could actually pay. When this time come my loan mortgage was changed to Wachovia Bank. Wachovia Bank was asking me to pay a monthly amount of around {$1800.00}. This was much higher then what I could not pay in the beginning. After some time has passed I was notified that my loan was again changed  to Wells Fargo Bank. This Wells Fargo is now my current bank. Wells Fargo Bank is now asking me to pay {$2400.00} per month for my loan. How is this possible? I can   not afford this amount what can I do to get a payment amount that I used to have. Ive tried but had no luck. Ive sent  the Wells Fargo Bank all my documents a full RMA packet but t hey are saying I dont have enough time to be reviewed.

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 2017-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
O n  XX/XX/XXXX  I an d my husband went into  Wells Fargo B ank located at  XXXX   XXXX   XXXX .  XXXX   XXXX  Fl.  XXXX  we felt we were made a mockery and very much so Discriminated against, as we sat down at her desk i informed her of the type of loan we were inquiring about, which was a ( Unsecured Personal Line Of Credit ), which then she suggested for me to apply for only {$5000.00} Dollars and she stated that that type of loan highest limit was for only {$25000.00} Dollars, so my husband went o n Wells Fargo Bank website on his phone then showed her that the loan has a Minimal of {$3000.00} Dollars and the Maximu m was for {$100000.00} Dollars then she said oh I did n't know that, so she says how much would you like to apply for, in return i told her for {$100000.00} Dollars. So she laughed at us, so when she finished laughing at my reply for {$100000.00} Dollars, my husband ask her what was so funny about the amount my wife mentioned, she in return says I 'm not laughing at you, im laughing with you, which i nor my husband was laughing or found anything to be funny Concerning the amount I applied for. After that As she processed the loan we fouund her to be very Discouraging with certain things she was saying about how I did n't have enough money in my account at the time, and i need to try for a lower amount and that I needed to make at least {$8000.00} Dollars a month in order to be approved for this type of loan. So she submitted the loan and it was Denied Instantly. so i ask her why was i Denied and she said because of my income debt to ratio was 74 % and she told me that I would get a letter in the mail, so the next day I called the Cred it Bureau (  XXXX  ) to see w hy my income debt to ratio was so high, when she calculated a 2 % income debt to ratio when she was processing the loan application.  XXXX  informed me that my credit report was up to date with the right information and that the same credit report that i have, is what 's in there system aswell. So i call ed Wells Fargo  Bank loan Department on  XX/XX/XXXX  to ask why was i denied the day before in the branch, and they said because of my account was not old enough when I specifically inform her when she was processing the loan application that I had my account every since  XXXX . I still dont know what information she put on my application, and at this point I really dont know what or who to believe. So  Wells Fargo Loan Department informed me that they will resubmit the loan Application, and I did file a complaint with Wells Fargo Bank concerning this incident & her behavior towards us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Hameroff Law Group, P.C.
State: AZ

Complaint narrative:
Copper state financial filed lawsuits against me for debts and amounts I have never owed to them. I have been going back and forth with them  since 2011. The information has been removed from my credit report because they are unable to show proof of my debt. They did however get a default judgement since I was unaware of a court date. The debt is false they just keep sending a paper with my signature that I signed after a debt collector told me if I did n't sign it I would be placed under arrest for theft. This paper was signed a year after the company claimed I owed them money, no original paper work has ever been provided with my name or signature. I was truly afraid I was going to jail and had 4-5 calls a day threatening m e.

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 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are mistakes appeared in my report. I have never paid late these account ] :   XXXX   XXXX    XXXX  -  XXXX   XXXX    XXXX   -  XXXX   XXXX    XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  -  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are mistakes happen in my report, I have never paid late these accounts :   XXXX   XXXX    XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX    XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  -  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
I was contacted 2 days ago after receiving a slew of phone calls to my cell and work by  XXXX  separate phone  # s cl aiming that I owe a debt to this collection agency calle d Professional Bureau of c ollection of Maryland for a  Federal Family Education Loan in t he amount of {$690.00}. I do not owe this debt and it has nothing to do with me. The  XXXX  phone  # s th at called me are  XXXX  - a guy named  XXXX  and the other # is  XXXX  - a woman answered the phone when I called it back and stated the name of the company. In addition to not owing a debt for a student loan, onl y 1 le tter was sent to me ( see attachment ) with the date of  XXXX   XXXX . By law, they are supposed to give me 30 days to dispute this debt as invalid before skiptracing me and taking aggressive actions. I did not receive this letter until 2 days ago. They called my place of work and did not even call my extension after being given it. This  XXXX  person told my co-worker, who happens to be my  manager - every thing about this : the amount, " case # '', what it was for, that I had n't responded, that they would be " showing up with documents '' at my place of employment and this was all after being asked if  XXXX  wanted my extension to call me directly and leave a voicemail. He chose to provide confidential information illegally to someone else other than who the message was intended for. They continue to call me at every number at work - the direct customer service line, other extensions, etc. Each time, they threaten to come to my place of work and serve me some unknown documentation. I know my rights and I am aware that this practice is illegal. This company needs to cease and desist immediately ; they have the wrong person and besides that, to reiterate : these are illegal practices! When they call my cell phone, they leave no messages and yet want to tell my co-workers everything? How is this legal? I looked them up and there are a TON of rip-off report claims and other CFPB complaints against them! They were aggressive and demeaning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I attended school at  XXXX   XXXX     XXXX   XXXX    -  XXXX   XXXX  years ago, probably  XXXX  or so, and in order to do so I applied for FAFSA loans. Most of my loans were set up through the Department of Education.     I am a single Dad, and at the time I was offered what they called " Creative Education Loans '' which were private loans. Although I was not told this at the time. They were sold to me as the same type of loan and situation as my Department of Education Loans.     Furthermore, as a sing le Dad I qual ified for grants which I was not informed of until  my 4th  year at the school. I was only able to take advantage of these loans during that final year, when I should have been able to take advantage of the loans for all 4 years.     I feel I was preyed upon by predatory lending by the school finance department.     I began repaying my loans in  XXXX  - with {$92000.00} and {$10000.00} in accrued interest. I can not afford my loans, but earn a  XXXX  figure salary. Therefore I do not qualify for any programs which can assist me. My son is now  XXXX   years old (  he was around  XXXX   years old wh en I started back at school ). I still owe {$94000.00} ten years later - and am having trouble making the payments with my housing costs and being a single Dad.     All of this is very frustrating and I 've been searching for ways to get out of debt, to no avail. I would love some help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
As part of the agreement betwee n Citibank and  the CFPB concerning their identitymonitor product I was issued a credit of {$170.00} to my card ending in  XXXX .  Citibank sent me a letter explaining why I am receiving the credit and the agreement with the CFPB. I requested a refund check for the credit amount which Citibank se nt to me, but when I deposited the check on  XXXX  it bounced! Very embarrassing. I was then charged a fee by my bank. I spoke t o a specialist at Citibank o n  XXXX  who promised to reinstate the credit funds of {$170.00} but up till today  XXXX  the credit has not been placed back on my account. It seems that  Citibank does not want to honor the CFPB agreement and wants to renege on the credit. I have called and spoken to customer service agents at citibank on three more occasions and they all promise to reinstate the credit but the credit is still not reinstated. It seems that Citibank may n ot be taking the CFPB seriously

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
Consumer complaint received 2017-05-25 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: CA

Complaint narrative:
In correspondence dated  XXXX   XXXX  ,2017 I ma iled this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT

Complaint narrative:
i answered a used car add on XXXX XXXX on XX/XX/XXXX. I phoned Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She told me she was being XXXX and she wanted to protect her investment so she used a broker at XXXX who sent me an invoice with detailed payment instructions. This invoice had transaction id XXXX guarantee free shipping etc.We send XXXX for the car via a moneygram sent to Agent Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. We receive an email from XXXX stating that XXXX XXXX requires another XXXX for shipping insurance. But we will get money back after we receive car in XXXX. So we sent another moneygram for XXXX to XXXX XXXX  rep. He wanted us to fax receipt to insure payment. We did. XXXX sent me another email saying they needed another XXXX for insurance into XXXX. I immediately emailed XXXX and XXXX XXXX and cancelled the transaction. i tried calling XXXX and XXXX XXXX customer service XXXX ( XXXX ) XXXX. No answer.phones disconnected. I called XXXX customer service they told me that do n't sell cars and I have been a victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
SINCE  XXXX  O F 2016 EQU IFAX CREDIT BUREAU AND  XXXX   XXXX    XXXX   XXXX   AKA  XXXX   XXXX   XXXX . HAVE COMBINED OR ACTED ALONE. TO ERRONEOUSLY NOT REPORT, MISREPORT, OR NOT REPORT PERIOD. MY  XXXX   XXXX  AKA   XXXX   XXXX    XXXX   XXXX   XXXX  ACCOUNT AS ACTIVE. WHICH HAS RESULTED IN MY EQUIFAX FICO SCORE BEING UNFAIRLY REDUCED FROM  XXXX  TO  XXXX  OVER THE COURSE OF THE LAST NINE MONTHS OF THE YEA R 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION
State: VA

Complaint narrative:
A perpetrator falsified my personal information and influenced the office of inspector general. The perpetrator claims that the ring of defrauders are researching on a complaint or complaints. The perpetrator particularly evaded  XXXX  after th e OIG and  whistleblower office knowingly or unkowingly helped a retaliating bully abuse authority and fund a plagiarism and ring of malfeasance abuse fund from  XXXX . I suspect malpractice or simply dirty.

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 2017-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Comenity Bank holds back payments for as much as 9 days before processing them. I had XXXX cards with them and the payments were always scheduled to go through on a specific date but they payment does not process until a week later. They claim its with my bank XXXX, but I also have XXXX XXXX cards and have never bounced a single payment with them. Comenity Bank has resulted in multiple bounce fees for the last year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: Auto Trakk, LLC
State: SC

Complaint narrative:
I have sen t AutoTrak sev eral letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally.   I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as  XXXX , and that mistakes can be made.   On  XXXX  -17 I sent t hem a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP!   If not i will sue. The original creditor can be held liable for reporting inaccurate informati on (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA l egislation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus.   .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: DE

Complaint narrative:
Upon being denied from a lender for " multiple inquiries '' from Transunion report, I decide to check my reports from all credit bureaus for accuracy. I have realized that there were a few credit inquiries on my Transunion that I DID NOT authorize and had no knowledge of. I contacted Transunion and had no relief. Please see that the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation none of these companies received any identification or authorization from ME to pull my credit for any reason.     1.  XXXX   XX/XX/XXXX   2 .   XXXX   XXXX   XXXX    XX/XX/XXXX  3.  XXXX   XXXX   XXXX   XX/XX/XXXX   4.    XXXX   XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have sent  XXXX  several letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally.   I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as  XXXX , and that mistakes can be made.   On  XXXX  -17 I sent t hem a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP!   If not i will sue. The original creditor can be held liable for reporting inaccurate informat ion (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA legisl ation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus.   .

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 2017-05-25 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: SC

Complaint narrative:
I have sent  XXXX  several letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally.   I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as  XXXX , and that mistakes can be made.   On  XXXX  -17 I sent th em a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP!   If not i will sue. The original creditor can be held liable for reporting inaccurate informati on (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA legislat ion passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus.   .

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