vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-13 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: OH

Complaint narrative:
On XX/XX/2018 Experian listed a new debt collector on my credit report. This debt collector is XXXX XXXX, account no. XXXX for the amount {$710.00}. I disputed this debt with Experian and they deleted it on XX/XX/2018. The first debt buyer was called XXXX XXXX at the time of removal. After I had the account removed they sold it to XXXX XXXX. I filed an Identity Theft Report with both XXXX and XXXX to block XXXX from reporting this fraudulent account on my credit reports. I have an extended fraud alert and locked credit reports. I have been a victim of identity theft and want the account removed. I have enclosed with this complaint to Experian, copies of my Identy Theft Report, FCRA 605B, Proof of Identity and, Experian Credit 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 2018-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: WA

Complaint narrative:
Dear Lender, After doing research regarding Internet payday loan laws in the State of Washington, I have found that your Internet payday loans are actually illegal. I have been in contact with Washington State Department of Financial Institutions and they have verified that your company is not licensed in Washington, therefore the loan contract I have with you is not valid. Although I am not legally required to do so, I am not willing to repay the principal balance of this loan, I received a deposit of {$750.00} on XX/XX/2018. The amount on the loan agreement is incorrect. It has the amount of the loan as $ XXXX.Which is not what was deposited into my XXXX XXXX XXXX XXXX account . falsifying a document is a crime punishable as a felony.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX, Borrower 's notification to Wells Fargo Home Mortgage as to their response made pursuant to Real Estate Settlement Procedures Act ( RESPA ), as to documentation of invoices paid by them to to their Attorneys as foreclosure fees and cost in the amount of {$4400.00}, which said foreclosure proceedings were commenced on XX/XX/XXXX, and full mortgage reinstatement amount of {$25000.00}, was paid on XX/XX/XXXX.. 
Accordingly, said entitled mortgage foreclosure proceedings was never completed, and their Attorney 's Validation Notice calculated Attorneys Fees and Costs to be {$2000.00}, as of XX/XX/XXXX. 
XX/XX/XXXX, Wells Fargo Home Mortgage stated in its letter, among other things, " We've determined the items [ paid invoices charged to Mortgage Account ] you requested are considered to be confidential, privileged and/or proprietary information of Wells Fargo. For this reason, we're unable to provide the documents requested. '' Moreover, Wells Fargo Home Mortgage, refuse to substantiate by documentation ( i.e., receipted and paid invoices ) as said amounts were recorded in the customer Account Activity Statements -XXXX XXXX XXXX XXXX that RESPA request issue is a service related matter in the mortgage servicing documents. ( Over-stated and unearned fees paid and charged to Borrower 's Mortgage Account )

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 2018-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am now more devastated it than before. I am writing to you for the second time regarding the inconsistencies of Wells Fargo. I have requested over and over again a work out plan that will benefit us all. Wells Fargo decide to now sale my home. .. Never any explanation or concern of my circumstances I requested on XX/XX/2018 that Wells Fargo review my file again and make the necessary adjustments for my wife is on a full time job. She is now on a full time job over a year. I again provide documents on XX/XX/XXXX hoping to get a resolution. I am still waiting. 
My attorney s office called Wells Fargo and spoke to the preservation dept. spoke to XXXX who transfer them to the re - entry dept.. There was no resolution .File is always in review. 
Let me summarize my unfortunate set of circumstances beyond my control which leaded me to default on my mortgage. In XXXX, I suffered a XXXX XXXX resulting in two XXXX XXXX, as a result of the injury I could not work. I was out of the job for ten months. As the head of the household there was no income coming in. My wife was the only one now working at a part time job. Not enough income to feed 7 people. I have XXXX children. Please, Please, understand that this is our only shelter. My financial situation has now improved. I have provided several financial packages to Wells Fargo to no success. They are the one to holding on to a resolution, making me incurred an outrageous balance. I have heard of the law suit against Wells Fargo similar to my own. I can provide you such. All I want is for Wells Fargo to reconsider my situation and allowed me to make payments o my house.. I need this shelter for my children. I have XXXX children as I mentioned before.

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 2018-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I had an XXXX XXXX XXXX Credit Card. I receive paperless notification from XXXX. On XX/XX/XXXX XXXX sent me an electronic letter stating " Your new account has additional information that needs to be verified in order to maintain your account. '' Granite this notification came 8 months after I had opened my account. I received an additional notification on XX/XX/XXXX, will attach letters for reference. On XX/XX/XXXX I received my XXXX Credit Report stating that my XXXX XXXX account was closed. I didn't check my XXXX Account until XX/XX/XXXX and saw the letters. I then proceeded to call XXXX XXXX and inquire why they closed my XXXX XXXX XXXX XXXX Account. They said because I did not respond and verify my address. I have never had to do this with any credit card before. My home address had not changed since I opened my XXXX 's account on XX/XX/XXXX. I know this for a fact because I signed papers on my townhouse XX/XX/XXXX and moved in XX/XX/XXXX. On that Monday XX/XX/XXXX I went to XXXX to find bathroom essential for my new 3 bathrooms. To save money I opened up a XXXX XXXX XXXX XXXX Credit Card. Also, I had a wedding registry at XXXX 's with my townhouse address linked to my registry. Several packages had been shipped to my townhouse. For these reasons, I believe that XXXX 's is well aware of my current address and should not of closed my XXXX credit card. XXXX is aware that they have lost a customer for life due to this. 

By XXXX 's closing my credit card, my credit score decreased. I would like the closed account to be removed from my credit score.

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 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The mortgage lender noted that they could not pull my credit from Equifax because the name wasn't updated. I contacted Equifax 6 times within the last 2 months with issues on updating my name. My phone records will prove it. Each time I was transferred at least 2 to 3 times to speak with someone or call a different number for help. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the issue is still not fixed. I had a name change through marriage ; my full name was changed to a different one. I submitted required documentation to show proof. I submitted my driver 's license, marriage license and social security number. I needed them to fix it expeditiously because I found a home to purchase and was looking to close on it on XX/XX/XXXX. I spoke with a customer care representative from Equifax last Saturday ( XX/XX/XXXX ) and he mentioned that my name was updated and I will receive a letter in the mail in 7 business days. I did received my credit report on Tuesday ( XX/XX/XXXX ) but they misspelled my first name so my mortgage lenders ( XXXX XXXX , XXXX ) said they can't use it to pull my credit report. I called Equifax on this same day ( XX/XX/XXXX ) letting them know that they misspelled my first name ; even when I submitted documents with the correct way my name ( first, middle and last ) was to be on my credit report. She told me that their process is 7 business days but she could email me the results. The problem with that is they can't tell me which name the report is under. When you type in the name incorrectly XXXX time, it kicks you out of the systems and you are unable to get the report. I feel that they incorrectly typed my name so why do I have to wait 7 more business days for another one? I told them that I need it for closing on a home by this Friday ( XX/XX/XXXX ). I was told that there is nothing they could do for me even though it was there fault for spelling my name  incorrectly and sending it by mail. Can you please help me? I need it by Monday ( XX/XX/XXXX ) so that I can close on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank employs harassment and scare tactics in order to collect debts. I had already paid my debt, yet receive 8-15 calls A DAY from various numbers attempting to collect a debt that has been paideven after I expressly told them to stop calling me. 

They called at XXXX XXXX yesterday and the calls continued through XXXX that night. This happens on a DAILY basis. 

The man who called today told me he had a summons in hand and to be ready for the police to show up at my house within the next 48 hours. I said I wish youd show up so I could have YOU arrested for harassment. The number he called from was ( XXXX ) XXXX. The call came at XXXX XXXX est. this same man also told me my credit would be forever ruined if I didnt pay up. He also threatened to have my wages garnished. Again, I have a XXXX balance and have closed my card. 

These people absolutely refuse to honor requests for no further contact and call excessively throughout the day and evening. I now understand why Synchorny Bank has class action law suits filed against them. I have a XXXX   balance on my account and even closed my card in an attempt to stop the harassment but it continues regardless.

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 2018-09-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I applied for a Va home mortgage through Quicken Loans. I worked on it from XX/XX/2018, until I received a Full Letter of Approval on XX/XX/2018. This went through underwriting and they totally verified all my asset, credit, & debit. After receiving the Full Approval Letter I was guided through the closing process, I paid for inspections- {$740.00}, appraisal- {$500.00}, HVAC inspection- {$60.00}, Title Search Fee- {$1800.00}. On XX/XX/2018 I received a denial letter stating that they can not service the loan and this was 2 weeks before my closing date of XX/XX/2018. They have yet to give me a legitimate reason why they backed out on the loan. All they could tell me is that someone screwed up and dropped the ball. I am a XXXX-year-old Veteran not knowing where to begin so that I can purchase the home before it is sold to someone else. Quicken has not followed through with his promise of reimbursing me all of my money. They have not been honest with us from the beginning. XXXX XXXX is the Chairman of this company and I want to believe after reading his profile that he would not agree with how his company is dealing with his clients so unprofessionally.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments, and I've called and send couple of letters to capital one to ratify the situation and it still hasn't been resolved. I'm definitely not an expert when it comes to this, 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 2018-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: IL

Complaint narrative:
On XX/XX/2018, I recieved a debt collection letter from BullCity Financial Solutions Inc. XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX ; telling me I owe {$1000.00} for a debt from : XXXX XXXX XXXX XXXX AT XXXX, account # XXXX, service date of XX/XX/XXXX Regarding XXXX, XXXX. 

The letter states that if I do not dispute the validity of this debt within 30 days they will assume it is valid. Sincerely XXXX XXXX XXXX, XXXX. 

I have know idea what this debt is as I have not been to Texas in the past 5 years. I'm afraid to contact them and give them my personal information because of all the scams going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: NM

Complaint narrative:
On XX/XX/2018 my wife XXXX, as instructed by the call center operator for Lakeview did email to them a picture of incorrect information listed on all three credit bureaus and a request to correct that our mortgage, erroneously listed as an installment loan be changed to a mortgage. We have never heard from Lakeview as to the resolution of this matter. We have called several times and from one operator did learn that the matter had been closed XX/XX/XXXX. We were promised that we would be contacted. 
Nothing on our credit report has been corrected. In fact, somehow, this listing as an installment loan has been made retroactive all the way back through the construction loan.I never signed paper for an installment loan with XXXX XXXX, the original mortgage leander ; I signed mortgage loan papers. XXXX sold this loan in the XX/XX/XXXX to Lakview. 
I understand that technically a mortgage is an installment loan, BUT, not all installment loans are mortgages and to havwe this listed this way on my credit report is misleading, not entirally correct and hurts my rating and my opportunities for credit in the future. I would like this properly and correctly listed as a real estate mortgage loan.

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 2018-09-13 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: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified of an attempt to collect a debt from a cash advance loan with XXXX XXXX in the amount of {$740.00} dollars, this debt is related to an issue of identity theft and fraud. This has been an ongoing issue since XXXX and this issue was previously known as fraudulent and therefore should not have been sent to collections. An official dispute of this account was mailed certified with return receipt to XXXX XX/XX/XXXX and as of this date no reply or update concerning this has been received by my client. This action by XXXX is a violation of the FCRA and FDCPA. In addition to this an application for another loan was submitting to Rosebud Lending XX/XX/XXXX using Mr. XXXX XXXX   information without his consent. While no account was established there is a fraudulent inquiry on his XXXX  consumer report related tot he application. An official dispute was also mailed to Rosebud XX/XX/XXXX and as of this date no reply has been provided concerning the outcome of this investigation. This action is in violation of CFRA.

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 2018-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I was given a line of credit though Speedy Cash in the amount of {$870.00}. I borrowed {$200.00} against that line of credit in XX/XX/2017. Speedy Cash provided the amount that was to be taken out every payday. They have been taking anywhere from $ XXXX- {$68.00} out of my account since then. I just happened to check on the payment schedule to see that I still owwed {$430.00} and at this point I have been paying them every 2 weeks for over a year. Upon speaking with the company this is allegedly how their line of credit works, I was told the payoff was {$500.00} so I paid it. But before I paid that {$500.00} to date I had paid almost {$1800.00} for only {$200.00} dollars I was never late and nerver missed a payment but the payment amounts went up and down over the life of the payments! As the regulating body of agencies such as this one, is there no cap for the amount of money that companies like this can have you pay back? I would like to file a formal complaint as something should be done about predator practices such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I have sent multiple letters disputing the validity of this account being mine and requested CITI to provide me proof, bearing my signature, that I have ever had opened this account. And from the responses that I received back from CITI after disputing this account over the past few years, were statements with my name on them. The statements included addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX  XXXX XXXX CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

CITI states that these statements show valid proof that the account is mine, but I have never lived at any one of theses addresses. Nor have I ever disputed fraud charges with CITI from which they stated on a recent letter, that a copy of a Declaration of Fraudulent Charges was sent to my prior address where they claim that I signed and returned to them. I never received such Declaration because I never lived at the addresses that were on the statements provided, and I have never signed any such documents because I have never lived at the addresses that were on the statements provided. My wallet was lost/stolen years ago, and I have called up each bank and credit card company that I had accounts with and cancelled each card. I NEVER called up CITI because I NEVER had a CITI account. 

My credit file with my social security that is reported to the credit bureaus, including but not limited to XXXX, XXXX, and XXXX, all have " Fraud Alerts '' because of such IDENTITY THEFT activities. 

This is not my account with CITI, nor have I ever had an account with CITI. I request to have this account removed/deleted from all of the credit bureaus, including but not limited to XXXX, XXXX, and XXXX, along with any negative remarks associated with CITI, as it is severely damaging my credit file. I also request to cease & desist all communication with CITI, written and/or telecommunication.

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 2018-09-13 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: First Data Corporation
State: OR

Complaint narrative:
I made multiple attempts to close my account, they refused to close my account. 

The fax number they provided said No Answer, and I they repeatedly would not close my account. 

This occurred on XX/XX/18. 
I spoke with XXXX at XXXX XXXX, she refused to close my account. 
I spoke with XXXX at XXXX, she refused to close my account. 
I spoke with XXXX at at XXXX, she reused to close my account. 

Fax result says : No answer, therefore fax number does not work. 
I attempted to fax ten times over three days, still No Answer from fax number. 
Fax result does not say Busy or Sent, but it says No answer. 
Fax number does NOT work, it's invalid. 

They are currently charging my account and refuse to close my account. 
I need this to be stopped and my account closed.

Company response to consumer: Closed with explanation