vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Back in XXXX of XXXX I contacted Wells Fargo to see if I could lower my APR for my credit card. After being on the phone for over an hour I spoke with an Executive Leader to  negotiate a lower APR. At the end of the call, I was denied. I will ultimately have to close this credit card and open another one with a different bank if I can not renegotiate a better rate. In any case, my reason for writing this is due to the advice that I was given by an Executive Leader on the call. After I shared my excellent credit score rating ( monitored via FICO score by Wells Fargo ) and my history of paying on time since I opened up my credit card with Wells Fargo back in XXXX, I was advised to allow my credit card account to go delinquent due to failure of payment, let the Wells Fargo sell my account to a collections company and then negotiate paying 75 % -50 % of what is due. I was horrified and deeply offended that this was advice that a customer service representative was giving me. Especially since they have access to my credit score and my payment history with them and after clearly stating that paying on time and maintaining my high credit score were important to me. It was upsetting to hear this because most people in low-income households lack financial literacy. If this advice were given to them, they would have actually followed through with this terrible advice and had their credit score and history deeply affected by this. I called the next day after this happened to report this and was told that I would receive a call back to further discuss this matter. I also reached out to them in XXXX to discuss the same. I have not been given documentation of the original call or my complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was late on mortgage payments. Wells Fargo refused to apply my payments that had cleared my bank, to my mortgage loan until I paid their over estimated attorney 's fees. Beginning XX/XX/2018 through XX/XX/2018. A portion of those attorney 's fees were refunded back to me, but not until XX/XX/2018. When I resolved the foreclosure process on XX/XX/2018, I paid the XXXX payment that was not late along with the attorneys fees they demanded before they would reinstate my mortgage. They were holding a total of {$5000.00} of my money, but would not apply it to my mortgage note.They help previously paid mortgage payments for several months. So it appeared that I owed more than I actually did. This led to me also being sued by my ex husband in Texas court and now I owe him a judgement as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
I am the co-signer of a Sallie Mae variable-rate loan. The loan rate is based on the monthly Libor rate. 

The Libor rate has gone down. Sallie Mae has not lowered my rate which is currently 4.25 %. On Sallie Mae 's website they are offering the same type of loan, with autopay enrollment ( which I am enrolled in ) for 3.98 %. 

I called Sallie Mae and was told the loan rate is based on when it was taken out. This does not seem correct since the loan rate is based on the monthly Libor rate which can go up or down monthly. 

I expected loan interest rate fluctuation when I signed for this loan. I expected it to go up and down- not just up. 

Sallie Mae is guilty of False Advertising to Students- casusing additional student debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hey I was looking on my credit report and I see TransUnion is reporting XXXX XXXXr XXXX charged off account as open when its closed. Second, The balance is {$12000.00} but TransUnion is reporting {$15000.00} on my credit report. TransUnion reporting that on XX/XX/XXXX at the public auction {$8000.00} was paid on this account from {$20000.00} which shouldve brought the balance to {$12000.00}. I included a copy of my credit report that TransUnion mail to me on XX/XX/XXXX which shows a payment of {$8000.00} and a charged off balance of {$20000.00}. TransUnion has been illegally reporting {$15000.00} since XX/XX/XXXX which damaged my credit and had me stressed. That was 1 year of false and illegally reporting that damage my character and reputation. TransUnion is reporting incorrect, inaccurate, inaccurately reporting. 

Please DELETE this account immediately!!! Under the Fair Credit Reporting Act, EVERYTHING IN YOUR REPORT HAS TO BE 100 % ACCURATE and CORRECT OR IT MUST BE DELETED!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Resource Systems, Inc
State: MS

Complaint narrative:
The following is a letter that I sent to XXXX XXXX XXXX XXXX : The collection Agency is on there for 3 charges from United Resource Systems XXXX XXXX XXXX XXXX, XXXX Fax I am faxing 3 letters for charity that was issued by XXXX XXXX XXXX XXXX that covers the dates that you provided service. I thought that the charges were taken off when the charity was given, but they have not been taken off yet. 

These three numbers are what I was given when I called in : XX/XX/XXXX -- -- XXXX Charged {$1000.00} XX/XX/XXXX XXXX Charged {$1700.00} XX/XX/XXXX XXXX Charged {$1800.00} These charges have also been sent to the Collection Agency, United Resource System and are also on my Credit Bureaus. 

My phone number is XXXX. 

Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
There are several companies multiple times in a short time period ( Im talking days ) that have pulled my credit without my written consent I have reached out to these companies, called, sent letters and they can not provide me with the accurate information of me giving them consent to fun my credit once let alone multiple times. 

Ace pulled my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX pulled my credit on XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX pulled my credit on XX/XX/XXXX, XX/XX/XXXX XXXX pulled my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hey I was looking on my credit report and I see XXXX  is reporting XXXX XXXX  XXXX charged off account as open when its closed. Second, The balance is {$12000.00} but XXXX is reporting {$15000.00} on my credit report. XXXX reporting that on XX/XX/2018 at the public auction {$8000.00} was paid on this account from {$20000.00} which shouldve brought the balance to {$12000.00}. I included a copy of my credit report that XXXX  mail to me on XXXX/XXXX/219 which shows a payment of {$8000.00} and a charged off balance of {$20000.00}. XXXX has been illegally reporting {$15000.00} since XXXX of 2018 which damaged my credit and had me stressed. That was 1 year of false and illegally reporting that damage my character and reputation. XXXX is reporting incorrect, inaccurate, inaccurately reporting. 

Please DELETE this account immediately!!! Under the Fair Credit Reporting Act, EVERYTHING IN YOUR REPORT HAS TO BE 100 % ACCURATE and CORRECT OR IT MUST BE DELETED!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
There are several companies multiple times in a short time period ( Im talking days ) that have pulled my credit without my written consent I have reached out to these companies, called, sent letters and they can not provide me with the accurate information of me giving them consent to fun my credit once let alone multiple times. 

XXXX  pulled my credit on XXXX, XXXX, XXXX, XXXX Exeter fin pulled my credit on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX pulled my credit on XXXX, XXXX XXXX pulled my credit on XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
In XXXX, my husband & I received a notice ( from XXXX credit monitoring ) that our car payment with Infiniti reported as a 30 day late on our credit report for XXXX. My husband spoke with an infiniti representative who informed him to pay on the XXXX and his payment wouldnt be considered late nor would it report to the credit bureaus. In reality that was far from the truth. INFINITI reported the payment as a 30 day late payment for XXXX. We disputed it with Infiniti and the credit bureaus and the 30 day late was updated for XXXX. We contacted INFINITI once again on XX/XX/19, Infiniti informed us that the payment should not even report for XXXX instead it should be reporting for XXXX. Now this information have to be updated/corrected to XXXX. We received miss information from an Infiniti Representative therefore, the payment should not be considered a 30 day late payment. We are currently in the process of closing on our first home XX/XX/XXXX and this issue has inadvertently affected us. We have less than 30 days to have this issue rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
This complaint is to answer Wells Fargo 's misrepresentation once again concerning notification of my person and my attorney when Wells Fargo sold the existing mortgage to XXXX XXXX in XXXX of XXXX and didn't notify my attorney or myself until after the date of filing of withdrawal of the lis pendens ( not the lawsuit ) on XX/XX/XXXX. The lawsuit was withdrawn on XX/XX/XXXX just 3 days before the trial which they did not want to go through with as it was a frivolous case. This notification was submitted to XXXX XXXX, the XXXX XXXX XXXX XXXX lawyers, and admitted but crossed out my name as to the recipients receiving the notification. Neither Wells Fargo or XXXX XXXX notified my person or my attorney in XXXX of XXXX that the property had been sold and Wells Fargo had no more interest in the property located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I continued to pay legal fees even when there was no active lawsuit or lis pendens in place during that time. The question is why Wells Fargo didn't notify my person that they no longer had an interest in the property in XX/XX/XXXX and drop the legal actions, lis pendents and the lawsuit, in response. 

The second issue is Wells Fargo submitted an application that I signed to obtain a current credit report however stated that the credit report received was not available as the paperwork no longer existed due to its age yet they found all other documents relating to the application so clearly Wells Fargo does not want the courts or public to know that it was the fault of the Wachovia originators and underwriters who didn't catch the issue with the HELOC with the XXXX balance, an account the Wachovia salesperson said not to enter on the written application as they only want accounts with balances. 

This is the reason why Wells Fargo will not answer the question on why they filed the lawsuit as they knew it was frivolous but had an underlining agenda or motivation to do so which is still to be determined. 

This information is also going to the US Attorney to be announced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I was only an authorized user on the account and I am not responsible for the debt. I have asked the company top remove all credit reporting but they have not.

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 2019-07-11 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: FL

Complaint narrative:
XX/XX/2019, I mailed a letter to the United States Bankruptcy Court Middle District of Florida and requested then procedure for verifying records with the credit reporting agencies. I received a letter dated XX/XX/2019 from the Bankruptcy Court stating, The Bankruptcy Court has no jurisdiction over credit reporting agencies. The Fair Credit Reporting Act, 6 U.S.C. paragraph 605, is the law that controls credit-reporting agencies. You may contact the Federal Trade Commission, Bureau of Consumer Protection ... .. 
The Bankruptcy Court records are public records ; therefore, the court does not report any filings to the credit reporting agencies. Subsequently, I forwarded the letter from the Bankruptcy Court on XX/XX/2019 to Equifax Inc., XXXX  and XXXX. I requested that they re-investigate the Bankruptcy that they were reporting on my credit file. Letter read, please validate this information with United States Bankruptcy Court Middle District of Florida and provide me with copies of any documentation associated with this record. In the absence of being able to verify this record, I formally request this information be deleted from my credit file you maintain under my Social Security number. The response I received from Equifax, dated XX/XX/2019, stating the Results of Our Reinvestigation, public records Equifax obtained is from local, state and federal courts through a third party vendor, XXXX. I find Equifax explanation for reinvestigating with the Bankruptcy Court lacking honesty, accuracy and fairness, especially since I placed a freeze with XXXX on XX/XX/2019. Additionally, I placed a freeze with XXXX, XXXX and XXXX, all for profit information-selling businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
My insurance company raised my rates based on the CLUE report provided by Lexis Nexis. I requested a full report and received it in XX/XX/XXXX. I sent an online dispute, disputed 2 erroneous errors on my report : Consumer Number XXXX Reference Number XXXX 1. XXXX Claim on XX/XX/XXXX. This claim is completely false. We have never had PA XXXX XXXX XXXX XXXX, and have never made a claim on this vehicle. 
2. XXXX Claim on XX/XX/XXXX. This claim is completely false. We have never had XXXX XXXX XXXX XXXX XXXX, and have never made a claim on this vehicle. 

XXXX XXXX then sent a letter saying that they verified these claims were true, but did not provide any method of how they validated it. I sent another dispute on XX/XX/XXXX requested validation information, mainly, the contact information of XXXX  XXXX XXXX XXXX XXXX, and the method of verification. It was not provided, and to date, I have not received a response. This is a violation of my rights as a consumer, per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: NC

Complaint narrative:
On XX/XX/2019 Equifax received my dispute letter in reference to numerous medical accounts that show on my report. My letter was quite specific when I asked for " documents '' or the 'Method '' used to verify these so called debts. I received a notice back just stating " Verified '' with no information on how it was verified. No documents, no method, no name of system of verification. 
Firstly, I am allowed under the Health Insurance Accountability Act to protect my privacy and medical records and did not give any permission for my records to be reported. Secondly, " verification '' is confirmation of correctness, truth or authenticity by affidavit, oath or deposition. Equifax must be able to produce documentation that that this debt belongs to me and yet they have not provided as such. 
Under the FCRA consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. 
I am requesting Equifax delete these accounts they are reporting as they can not produce verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Called Capital one XX/XX/2019 they called me back XX/XX/2019 not resolved. 

Step 1 : What is this complaint about? 
This complaint is about Capital One Promotional Credit Cards Offering additional Bonus of {$150.00} to {$500.00} Dollars after using {$500.00} to {$1500.00} with the new credit card with in the first 90 days. 
They offer you the promotion on one web page and when you apply apparently it takes you to another location where you are pre-qualified and without your immediate knowledge you continue the process thinking you will be receiving this bonus and it turns out that when the page switches you no longer qualify for the bonus. Or this is what was explained to me. 
Regardless this is deceptive and should be unlawful Step 2 : What type of problem are you having? 
Deceptive tactics being used to lure clients and prospects to apply to new credit cards and the company is getting away without fulfilling their initial commitment. 
Step 3 : What happened? 
I was lured by a promotion on a capital one web page and applied, got approved and some were in the process the promotion diapered and capital one is not responding for their maul practice. 
Step 4 : What company is this complaint about?

Capital One Step 5 : Who are the people involved? 
My Self, XXXX XXXX, My wife XXXX XXXX XXXX XXXX, and Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-11 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: MO

Complaint narrative:
Equifax ; XXXX  and XXXX  are incorrectly reporting the XXXX XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and should have been deleted from my credit report. I have contacted the ( 3 ) bureaus however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
i got in a wreck, on XX/XX/XXXX and have been making payments on my loan account. I have gap insurance and the gap company paid out the leinholder from the day of the accident. the leinholder now is not refunding my money for the 5 payments i have made since the day of the accident

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XX/XX/2019. Comenity Bank Called me 7 times on an unknown number leaving a automated voicemail. I am working with an attorney for bankruptcy.

Company response to consumer: Closed with non-monetary relief