vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I fell late on some payments with Wells Fargo mortgage back when I got hurt at work. I was told I would be put in a program to make my account current and not show negative on my credit reports

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 2017-03-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
New scheme by Well Fargo - If you move to another bank, and you want to set up an automatic payment on your Wells Fargo credit card account better check and double check that Well has recorded your new routing number and account number from which the payment is to be made. Make URE that WELLS FARGO RECORDS IT. I 've been fighting with them since XXXX last year about ''late fees '' because my ''payment was not received ''. I sent in XXXX account notifications next, same deal!! I have had a very good credit rating until this thing with Wells Fargo, so when I 'm told by my realtor that it 's dropped down to XXXX, you better believe I 'm irate. I am getting all my statements from both banks and sending them to XXXX and XXXX who have been investigating what Wells Fargo has been doing to cheat more money out of their customers. You who will be reading this on XXXX, if this trick has been used on you, I 'll send the link to contact these investigators with your stories. -

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 2017-02-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN

Complaint narrative:
Accidentally paid off loan twice I thought. One main financial would n't talk to me for a year and a half until i had the XXXX Attorney generals office contact them. They finally contacted me after they contacted them regarding this matter. In talking to them and verifying payment. I found they received the certified check and cashed it. But they did not receive or cash the check from Home title company. So now One Main Financial has not reported to the local county that the loan was satisfied or the credit bureau. Also Home title will not release the funds until One Main Financial does so. So the title company have held onto my money for almost two years now without notifying me and no indication of when they will release it even though i provided proof that the loan had been paid in the form of a certified check. Also One Main Financial has not provided proof to the title company, the county that the house was sold, or the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I 'm have a problem with Experian reporting my account correctly. I have XXXX student that are being report as closed when they are actually open & in good standing. I called and the rep states to me that they do see my XXXX & my XXXX account. But he said there marked open on his system. I have had my XXXX loan sense XXXX my XXXX sense XXXX XXXX. It 's now XXXX XXXX so why are my account that showing this impacting my credit score negative. Because these open are stated close and have a balance. He claim the system needed to update but it should not take months to update an account from close to open.

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: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I 'm opening up an complaint with Experian credit reporting agencies due to the fact that they failed to investigate my complaint on my credit report. Reinvestigation Required I have sent Experian documents via Certified mail of proof that i was Not late with XXXX credit card But they refused to investigate My claim after sending Experian Proof that I paid XXXX the Months that they are reporting that I was late. Per the FCRA ( A ) ( B ) ( C ) experian is required by law to investigate my complaint. I have filed complaint with The Minnesota Attorney Generals Office as well about this complaint as Experian has ruin my good name and reporting Negative and false information about me I 'm aware that Reporting agencies are just trying to make money off of consumers like myself reporting false information I will Not allow you to ruin my good name. Experian I 'm going to ask you One LAST AND FINAL time to invesitgate late payments with XXXX account number XXXX I have sent you bank statesments for my proof of payment I asked that you contact All if your sources that you used to verify this and send to me in writting how they verified the late payments You have copies on file at your office as we speak of proof that I paid and I expected you to send me Proof in writting via US MAIL. I 'm full aware of you not even during what the law require you to do so I 'm asking you if you can not provide me what I 'm requesting please have those negative late payments removed from my credit file or I will take full legal action againist your company I 'm fed up with the run around. 
Also I have sent you a copy of a police report on XXXX XXXX you have failed to investigate that which is also aginst the law. you need to follow the law and do what the law require your company to do. Like I said I havew file complaint with Minnesota attorney general office about this as well. next step i will hire my own personal lawyer and sue you for as much as the law req. THIS WILL BE MY FINAL NOTICED TO YOUR COMPANY BEFORE TAKING ACTIONS! 
THANKS 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 2017-03-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIAN is still reporting a CREDIT CARD/LINE FROM XXXX 
Account Number XXXX Account Type Unknown Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated XX/XX/XXXX Balance

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 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I sent Experian certified letter asking them to investigate a credit item on my credit report. The item in question is an account from XXXX being reported on my file. What I asked Experian to investigate was the fact that the account was too old and obsolete to still be reported on my credit report based on the Fair Credit Reporting Act. I also included a copy of my Experian credit report from XX/XX/XXXX showing that this item was scheduled to be removed from my report on XX/XX/XXXX. On XXXX I got a letter from Experian telling me that they will not reinvestigate this item and that they already verified the information. I never asked them to investigate the age of this account before, so this is a different dispute. I feel like they never even read my letter and looked at the information I sent them. Based on FCRA and the evidence from my older Experian credit report this item needs to be investigated and removed.

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 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
No one is verifying the payments being sent to XXXX, they are only content on verifying the trade line not accuracy. On XX/XX/2017 I submitted a partial payment in hopes it would report to the credit bureau, it did not. According to federal law it should be updated, or otherwise it is in error as of today, and as such should be removed altogether for being wrong. I have enclosed a screen shot of a payment clearing XXXX to XXXX on XX/XX/2017 towards XXXX with proper payee address and contact info. My credit report DOES REFLECT THIS PAYMENT. Therefore it is an erroneous report.

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 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have medical bills showing on my credit report that do not belong to me. I have notified Equifax, XXXX and XXXX on several different occasions. They show XXXX accounts with XXXX ( XXXX ) & ( XXXX ) as well as XXXX ( XXXX ) and XXXX medical bills that do n't even list a creditor so I have no way of contacting them. I do n't have any negative credit so these erroneous accounts are having a huge impact on my credit. I am unable to establish credit because of these accounts that do not belong to me. I have reached out to the creditors for them to provide me with any proof that this is my debt and they just ignore me. Please help me resolve this issue. My address is also being misreported. they have an address in XXXX GA that I have never lived at and my current address that I have been at for years does n't show up at all. I have sent several letters to all XXXX credit bureaus and they ignore me. I ca n't apply for credit because of it and it causes problems when applying for jobs or insurance because my address does n't match.

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 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been the victim of identity fraud and have contacted the credit agencies about the numerous negative and collection accounts that are reporting to my credit that has been previously removed. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run and or having the proper information on the said account. further more they refer me back to the credit bureau. Im not getting anywhere and want these negative marks removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. the accounts in question are as follows : BANKRUPTCY TAX LIEN XXXX TAX LIEN XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts were previously removed under FCRA but have been re added.

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 2017-03-30 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally is reporting to XXXX, XXXX, and XXXX that the closed date of my account is in XX/XX/XXXX. the charge off date was in XX/XX/XXXX. The charged off account is paid. Ally continues to provide false, and misleading information to XXXX, XXXX, and XXXX regarding my account with them. I agreed to pay the disputed amount and expected accurate credit reporting.

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 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The following creditors re-aged the debt illegally in order to extend the time of credit file in violation of FCRA 623 ( 5 ) ( A ) : XXXX XXXX, XXXX, MN XXXX This information was submitted to the credit reporting agencies with refusal to take off

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 2017-04-05 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally Bank turned me down for deceased relative ( s ) debts. I owe no debts. Yet, the bank stated in their letter to me that since I have " outstanding debts '' I was turned down for a 1 % online savings account. There is no need to refer this complaint to another agency, I think XXXX is a flawed system for banks to use, and very few do n't use that to check potential banking clients credit, check history.

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 2017-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: National Recoveries, Inc.
State: OH

Complaint narrative:
I consolidated my student loans. Somehow one loan was left out. I recieved collection papers from National Recovery Services on behalf of the department of education. I attempted multiple times to make payment to National Recovery to avoid garnishment. National Recovery would not accept payment because my last name is now hyphenated. They requested a copy of my drivers license before payment could be accepted. I sent a copy of my drivers license to them via email. They confirmed receipt. A month later it still has not been updated " in their system '' and they still claim they can not accept payment. I filed a request for hearing with the department of education to stop garnishment while waiting for National Recovery to update their system. My request was granted by the US department of education and garishment was stopped. I have a letter stating the US department of education granted me and extension. However, National Recovery proceeded to contact my employer and initiate garnishment! National Recovery is garnishing my wages on behalf of the US dept of education illegally and they are garnishing my wages under my maiden name. It makes no sense to me that they garnish my wages under a name that is not my legal name but they can not accept payment now that my name is hyphenated. I have done everything within my power to make payments to National Recovery. The US department of education states the garnishment order was stopped. However, National Recovery has proceeded to garnish my wages without proper authority and in my belief in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: PlusFour, Inc
State: NV

Complaint narrative:
This charge was part of my bankruptcy and debt collector was notified several times in the last several year but continues to transfer collection and restart on my credit it should be recognized and removed per my bankruptcy per federal court ruling. 
This is the only negative mark on my credit and I have been trying to remove consistently from my record. This was removed from XXXX but not XXXX system. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
A company called NCC business services is reporting a debt which I know nothing about. I asked for validation of this debt but no response. I do n't owe these people anything.

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 2017-04-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
I am in desperate need of assistance. I have work with my lander Bayview for almost a year and have submitted all the required documents to continue my modification review. However ; at this point they have not afford me a modification. I am more than sure that their intentions are to foreclose my home, My husband is going trough XXXX and this is affecting hes health. I am doing everything from my side to keep a roof over our heads. As I have mention Bayview my intentions were not to fall behind, however ; due to the extreme loss of income it was out of my control. My intentions are to keep my house with an affordable mortgage payment. I did tell my specialist XXXX if I will not get a respond soon I will filling a complaint with my attorney General. Bayview keeps stating I am not able to afford my house. Therefore I have order a new appraisal to be done for my property and is actually under water. Therefore my loan does qualify for an affordable mortgage payment. I do have a surplus and have cut lots of unnecessary expenses. Please question Bayview what are there intentions, mine are to be current once again and start paying my mortgage. Thank you in advance for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have had a horrible experience with this Bureau. Equifax on XX/XX/XXXX deleted my whole credit file with XXXX new collection accounts that were old and had been previously deleted but When i called them and asked if they saw the new collections they stated there were none which there werent. On XX/XX/XXXX They updated the report with the old collections and my score dropped significantly from XXXX to a XXXX. I am trying to close on my home ( I cant stress this enough! ) In a nut shell I called XXXX of the Creditors ( XXXX ) they stated that they had deleted this from my file back in XX/XX/XXXX and had not reported this since then. Equifax has received a response from this credit regarding my dispute and still the accounts are showing on my report and not updated as deleted. They take forever to respond and send correct information as they should. This should be a law suit at this point. I should not have to fight to have my credit file updated correctly! Then as of XX/XX/XXXX my report was updated again like i had all brand new trade-lines and everything came back. Mind you i called and spent over 2 hours on the phone on XX/XX/XXXX asking why this happend and could not get a reason as to why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
In mid-XX/XX/2016, I called PNC, after XXXX years of banking with them, to close my checking account ( I had moved across country and chose to bank closer to home ). I was told that I had to have XXXX transactions for XXXX days in order for the account to be closed. This seemed odd, as XXXX, where I also had a checking account, closed my account within five minutes. I have also not been able to find this XXXX policy in any PNC account agreement. Though I was careful to transfer over all my auto-payments, I requested that PNC reject any payments that might accidentally slip through. However, a direct-deposit that I was not aware of from an old job entered the PNC account, nulling the time of no transactions and re-starting the XXXX day period. During this second period of waiting XXXX days to close my account, XXXX, despite the fact that I had linked my XXXX account to my new bank account, accessed my PNC account for an XXXX payment ( I was told by a XXXX agent that even though I had switched my account with XXXX and that I was choosing to pay with XXXX, I had to redirect my payment directly with XXXX. I 'm still not sure about this policy ), thus nulling once more this XXXX period and generating an overdraft fee. Since I had already requested of PNC to reject all payments, I did not check my PNC account until weeks later, after which a couple XXXX dollars of overdraft fees had been generated. After hours of discussing this issue with PNC agents, one finally agreed to refund fees, but only half. PNC is holding me accountable for over a XXXX dollars of fees that were generated after they refused to close my account when I requested, and to reject payments after they agreed to do so. I have called two separate agents directly in the Retail Escalations department, and neither have returned my phone messages for two weeks. My account is due to be sent to collections, all because PNC would not close my account upon my request. I am not responsible for these fees, and I simply want the account closed. I had a great relationship with PNC for over a decade, all of which has been nulled from this experience.

Company response to consumer: Closed with monetary relief