vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have made multiple attempts to get information on why the mortgage with this company is still reporting on my credit report. This debt was obtained in the name on myself and my ex-wife. Since then we had been divorced and the mortgage has been taken over by my wife. I had submitted a quit claim deed and was told by the services that I will no longer be obligated for the debt on my account as she assumed the loan. Every time that I call them since this transaction happened, they state that I am no longer on this loan when the loan number is provided to them. They state that they can't find me anywhere in their system by social security number or name. When I provide them with the full account number, I am told that this loan doesn't belong to me and that they can't provide me any information on this loan. I've also called the company directly with my ex-wife and my current loan officer and was told that they can't verify that I have any liability to this loan. I've stated that this is impossible because they are still reporting negatively to the credit bureaus and that improper handling of the payments on this loan that my wife has made has made it impossible to acquire new financing. They still can't provide any information on why it is reporting this way.

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 2018-06-26 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: IL

Complaint narrative:
On XX/XX/2018 I wrote a letter addressed to the Bureaus to have these accounts removed from my credit because they are fraudulent. Ive made several phone calls and they still have not removed the accounts from my report. Please assist me with removing these fraudulent accounts from my report. I have already submitted to them that I was a victim of identity theft and i provide the identity theft report and these items are still on my report. Please assist me.

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 2018-06-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2018 I wrote a letter addressed to the Bureaus to have these accounts removed from my credit because they are fraudulent. Ive made several phone calls and they still have not removed the accounts from my report. Please assist me with removing these fraudulent accounts from my report. I have already submitted to them that I was a victim of identity theft and i provide the identity theft report and these items are still on my report. Please assist me.

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 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
I was working with a debt consolidation company to resolve some debt. XXXX XXXX agreed to settle my debt for 30 % of the balance over 3 payments. The payment schedule was {$290.00} on XX/XX/XXXX ( completed XXXX {$1200.00} on XX/XX/XXXX ( completed ) and {$1200.00} on XX/XX/17. The final payment XXXX rejected and reversed they terminated the settlement offer and ended up selling the debt/hiring someone to try to resolve again. I filed a complaint against XXXX XXXX and was told by their response that the payments were late that is why the voided the settlement. I contacted the consolidation company I was working with XXXX XXXX XXXX and they advised me that payments were made electronically through a 3rd party payment account and payments were made timely as negotiated for the settlement. XXXX XXXX did not provide any proof that the payments were received late only wrote dates in a letter format. They have sold/contracted Nelson and Kennard to attempt to handle this account and they have already threatened litigation against me. I have sent in proof of the settlement agreement and explained what was going on and they have never contacted me back. I have called about 5 times now and found that they already started paperwork on litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
In early XX/XX/XXXX we received a check from Wells Fargo Bank for the amount of {$12.00}. We called to try to get additional information about the account that this was related to, and they were unable to give an adequate explanation. They provided us with a phone number to call XXXX ( aka XXXX ) and they were also unable to provide additional information. They only know that it involved an account that started in XXXX, and that XXXX/XXXX  had placed charges on our account and that an audit showed that XXXX felt they owed us a refund. We indicated that we would turn this matter over to that state attorney general of Arkansas because we felt we were not in a position to get any further information from WF  or XXXX. 
We next received a letter dated mid XX/XX/2018, informing us that Wells Fargo was processing a check for {$200.00} as a customer appreciation award. 
Next we received a letter from Wells Fargo offering us mediation for our concerns dated late XX/XX/2018. 
Next we received a check from WF for the above mentioned {$200.00}. Our concern is that we are uneasy endorsing anything from WF or their partner companies, because it is unclear what we are agreeing to if we accept these checks. Have you any suggestions as to what we should do?

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 2018-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: MN

Complaint narrative:
I have been making additional payments and asking them to be allocated to a specific loan token after paying my normal monthly auto payment, however, they are not applying my extra payments directly to principal and are charging against next months interest. I called customer service and they are making it very difficult and are running me in circles with no concise answer. 

My auto payment is set to cover all of the monthy interest gained for all loans, then I make an additional payment and that is not being applied to principal as requested and has even been dispursed across all loan tokens. They say that interest gains daily which I understand, but this is an extra payment after all interest should have been paid. Plus they are charging me {$69.00} in interest when I just made a payment two days before. 

This has happened many times. Here are some of the specifics : Auto payment made on XX/XX/XXXX - done correctly and applied to all 4 loan tokens Extra payment made on XX/XX/XXXX - done incorrectly, was requested that 100 % of payment go to loan token XXXX. But they dispursed it to all 4 loans. 

Extra payment XX/XX/XXXX - done correctly Autopayment XX/XX/XXXX - this was now applied to only loan token XXXX, not all 4 loan tokens instead of putting earlier payment to it. They are doing it backwards. 

Extrapayment XXXX- done incorrectly. 100 % ahould have been allocated to principal on loan token XXXX, but instead was allocated to all 4 loan tokens. 

Auto Payment XX/XX/XXXX. Done incorrectly and went to token XXXX. They are flipping my extra payments and auto payments around to their benefit for interest gain. 

Extra payment XX/XX/XXXX - done incorrectly. Was also allocated to loan XXXX but dispursed to all 4 tokens. 

Extra payment made on XX/XX/XXXX. Should have processed but they are delaying processing my extra payments which accumulates daily interest. 


All in all, they are flipping my payments around and making not applying extra payments correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I had three credit cards with XXXX XXXX going back to XXXX in various credit limits : {$300.00} business XXXX, {$1200.00} XXXX and {$2200.00} XXXX. In XXXX, I was notified about an alleged security issue and all card numbers would be changed and new cards issued. I never got replacement cards or statements-only call that indicated that between XXXX and XXXX the balances in all three skyrocketed over the credit limits. Before that, I could not charge even {$1.00} over the limit. I started making civilized phone calls about the lack of explanation, continued to pay on what the previous balance was until XX/XX/XXXX when I had to stop. The accounts were not closed and I could not get cards until the alleged debts were paid. I finally got the accounts closed by a foreigner. The accounts showed balances over {$4000.00}. They were ultimately charged off. Then in XX/XX/XXXX, I got a welcome notice from XXXX about my new {$3000.00} credit limit account-accompanied by no card and balance already over {$2000.00}. I reported this to the newly formed CFPB. XXXX XXXX employee XXXX XXXX informed CFPB that she had indeed opened a new account with high credit limit to improve my credit score. I never heard back from CFPB about the legitimacy of a company opening unauthorized credit cards with no card and strong arming for illegitimate debt. However, in the meantime XXXX XXXX was hauled before Congress for doing the same thing-opening fake accounts. I just have tried to refinance my home mortgage at 8.3 % since XXXX to find the fake XXXX XXXX charge off back on my credit report. The statue of limitations in XXXX for collecting is three years. Equifax is defending it allowing this on my report 5 years later and explains, after over three hours on the phone, transferred to 7 people in three countries, that this WILL remain on my credit report 10 years. Completely talking over me, the investigative branch in XXXX for Equfax puts me on music after the three hours of abuse. My second attempt at refinance this year was denied because of this. Just taken off Eqifax was a phony second mortgage from XXXX ( XXXX ) that doesnt exist anymore but was showing as current-for the same {$140000.00} home totaling over {$260000.00} mortgage payments. That huge debt for someone with my limited income tanked the first refinance. The double mortgages still appear on XXXX ; the XXXX XXXX alleged debt appears on XXXX  again along with a debt collector XXXX XXXX with fake address and phone number ). XXXX XXXX did not provide a phone number and gave a XXXX XXXX XXXX address for this XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have communicated with the credit bureaus to remove inaccurate addresses that are listed on my credit reports, to date, to no avail. I have also requested that all also known as or alises be deleted and the bureaus have not deleted the inaccuracies. The following items should be deleted immediately on all 3 of my bureau reports : XXXX XXXX XXXX.,  XXXX , XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX All Previous employment history should be DELETED DELETE : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Phelan Hallinan Diamond & Jones, PC
State: NY

Complaint narrative:
From the Office of XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, My name is XXXX XXXX I am the Owner of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX that was, is and will always be my property. I do not have any mortgage or any financial obligation on this property and my name is on the Deed and not in any Mortgage Note. I am 100000 % sure I will win back my property and file criminal charges against your abusive and deceiving Law Firm. You organized the fraud inside my6 property and help criminal stole my private property and once I win my legal case if you do not pay the {$260000.00} you will face the consequences. Attached you will get the official complains against your Law Firm as well as the lawyer involved and there are 87 official complains against your criminal activity inside my property for which I do not have any mortgage. I am a XXXX with 29 years XXXX experience and I was involved in the procedure of each mortgage documents so there is no need to enter in any polemics. With your limited banking knowledge. Since I am not an expert like your Law Firm in defrauding families I file official complaints with Dept. of Justice, PA Attorney General, PA Governor as well as the ethic committee and many other Departments. I will never stop until your criminal activity will be expose. FBI will be involved too as well as the TV and all internal and International press as well as INTERNET.. 
XXXX XXXX is my wife and she was a victim of fraud landing so this mortgage is a fraud, the foreclosure is a fraud since was done in a top secret close door and I am sure that the Superior Court will reverse the fraudulent Sheriff Sale soon. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX was informed weekly and once I get back my property I will file criminal charges against XXXX XXXX, HIS FAMILY and all the people involved. XXXX XXXX got involved in a fraud mortgage originated by XXXX a bank that once we made this public this company went bankrupt. I rejected this mortgage and even today the money is in an account Now XXXX XXXX is directly involved in defrauded my property and they will pay soon {$260000.00} for stolen private property damage, vandalism, theft organized from XXXX until XX/XX/2016 theft done without having any legal rights or permission to enter inside my property. 
I have Police report number ant the XXXX XXXX report number. I informed the Local Sheriff and the President Judge of the Court of XXXX XXXX. I am very confident that the Superior Court will award back my property and I close your Law Firm. 
Sincerely yours XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: IL

Complaint narrative:
We recently bought a new house and our loan was bought by several companies before staying with Selene finance. We paid our first payment ( XXXX ) via check. It was made out to Selene and they cashed it and it cleared our bank. When we went to set up our online profile on their website a month later it had said that we didn't pay for the month of XXXX. When we called them to find out what happened to the XXXX payment we were told that it was " reversed '' ( they couldn't tell us who reversed it or why ). We never got our payment refunded to our bank though. We have called dozens of times and each time we have gotten different answers on why it was reversed and why we didn't get our money refunded. Reasons varied from the payment was for a month prior to us buying the house, the routing number on the check was hard to read, they didn't even see the check and they didn't know why it was reversed and one time they just hung up without ever calling back. We were also told that we made it out to the previous lender but we sent them a copy of the cleared check showing it was made out to Selene finance. They had stamped the back and cashed it. Every time we talked to someone they said they'd find out and call us back. No one ever called back. After several calls they said they would look into it. Shortly after that we received a letter saying that they would investigate over the next 30 days and they wouldn't report any detrimental info to the credit agencies. The 30 days is almost up and no one has called. After we called several more times they have not gotten any info on what is happening. We were not allowed to pay our XXXX payment because the system wouldn't let us without repaying for XXXX. Recently we received certified mail stating that we were in default for failure to pay. We called and got in touch with the supervisor XXXX who said he'd look into it and get to the bottom of it and call us back. That was several days ago. I called again and was told that the default was still in effect but after everything is sorted out it should all fix itself and fall into place. They could not give me a time frame on when it would be figured out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: PA

Complaint narrative:
XXXX months ago my credit card co. Sent my bill to an address that I never lived at by the time. I got the bill and sent it in it was late and i was charged slate fee.l called the customer service number and informed them of their error. ( XXXX ) XXXX. This month they are doing the same thing. I have tried to call customer service again to resolve this issue at ( XXXX ) XXXX but all I get are long stream of offers and at the end of them I get disconnected.

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 2018-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
the company incresed the loand wen they gat car they did not takl us that loan was only interes only and nothing was to the principla. we traet to refinansed after 6 months cause that was the original agrrement. so far they just say they not refinancied and they say our loan its not paying any on the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I was advised that IC systems has reported a disputed bill to the credit bureaus without validating and adjusting the bill to the correct amount. 

In XX/XX/2018, I received a call from IC Systems on behalf of XXXX. I advised the rep that the bill was incorrect and needed to be adjusted to reflect the amounts paid for cellphones. I was told by the rep that she would look into it. However, the phone was disconnected and I heard nothing else from the company. 

On the evening of XX/XX/2018. I received a letter from XXXX, before I had a chance to respond, I received a phone call from IC Systems on XX/XX/2018 advising me that although the bill is inaccurate, it was reported to the credit bureaus. 

I asked why I hadnt heard anything else from them regarding my initial dispute or otherwise and was told that theyve called me but its against their company policy to leave a voicemail and that my dispute was not honored because they didnt receive it in writing. 

I advised the rep that I never received their contact information, not by letter or phone and was under the impression it was handled by XXXX since thats who Ive been working with since the last call I received in XX/XX/XXXX. I was told that it is my responsibility to get their information and to validate the debt. I proceeded by asking for an email address to send a complaint and follow up dispute and was guided to their website.

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 2018-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I had a fraud alert placed on my credit file with Transunion that indicates anyone who runs my credit needs to call me in order to do so. That wasn't done which violates my rights as a consumer, and I am now left with several inquiries that I did not authorize. I've reached out to Transunion several times to advise of my credit being pulled without my permission.

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 2018-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have communicated with the credit bureaus to remove inaccurate addresses that are listed on my credit reports, to date, to no avail. I have also requested that all also known as or alises be deleted and the bureaus have not deleted the inaccuracies. The following items should be deleted immediately on all 3 of my bureau reports : XXXX XXXX XXXX.,  XXXX , XXXX  XXXX XXXX XXXX XXXX. XXXX., XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX All Previous employment history should be DELETED DELETE : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation