vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-16 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: OR

Complaint narrative:
I went through a name change when I got married in XX/XX/XXXX, changing my last name to XXXX from XXXX. I also moved and reported that to both the school and Federal Student loan dept. When it came time for my deferrment to end and to start paying, the company sent all the letters and payment requests to the old address that was NEVER forwarded. It was n't until the collections showed on my cbi reports that I was aware of the problem. By that time the XXXX XXXX XXXX XXXX transferred all my accounts to their delinquency credit collector who refused to accept my paperwork for repayment for 1 year and half! After finally threatening the credit agency with an attorney after speaking to one, the collection agency accepted my repayment plan on their own " made up '' terms. The credit reports continue to show the accounts as derogatory and unpaid since original date reported. I have been paying since contract with the credit company. The XXXX XXXX XXXX XXXX 's collection department has racked up over $ 7k in interest by stalling this process all along. When I call the XXXX XXXX XXXX to try to pay the entirety of the balances off with consolidation loans, they reject my requests and say their is nothing I can do but to stay in this ridiculous repayment program. They took my husband and I 's XX/XX/XXXX tax return and applied all $ XXXX to the loan balance even though the credit program I contracted under said this garnishment would not happen. It 's ruined my credit and I can not buy a home. I have disputed it with all 3 credit bureaus. The cbi 's removed it and then it reappears again the next month. An attorney has advised me to contact your agency to help. Please help 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 2017-06-16 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: OR

Complaint narrative:
I went through a name change when I got married in XXXX, changing my last name to XXXX from XXXX. I also moved and reported that to both the school and Federal Student loan dept. When it came time for my deferrment to end and to start paying, the company sent all the letters and payment requests to the old address that was NEVER forwarded. It was n't until the collections showed on my cbi reports that I was aware of the problem. By that time the XXXX XXXX XXXX XXXX transferred all my accounts to their delinquency credit collector who refused to accept my paperwork for repayment for 1 year and half! After finally threatening the credit agency with an attorney after speaking to one, the collection agency accepted my repayment plan on their own " made up '' terms. The credit reports continue to show the accounts as derogatory and unpaid since original date reported. I have been paying since contract with the credit company. The XXXX XXXX XXXX XXXX 's collection department has racked up over $ 7k in interest by stalling this process all along. When I call the XXXX XXXX XXXX to try to pay the entirety of the balances off with consolidation loans, they reject my requests and say their is nothing I can do but to stay in this ridiculous repayment program. They took my husband and I 's XXXX tax return and applied all $ 7k to the loan balance even though the credit program I contracted under said this garnishment would not happen. It 's ruined my credit and I can not buy a home. I have disputed it with all 3 credit bureaus. The cbi 's removed it and then it reappears again the next month. An attorney has advised me to contact your agency to help. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: OR

Complaint narrative:
I went through a name change when I got married in XX/XX/XXXX, changing my last name to XXXX from XXXX. I also moved and reported that to both the school and Federal Student loan dept. When it came time for my deferrment to end and to start paying, the company sent all the letters and payment requests to the old address that was NEVER forwarded. It was n't until the collections showed on my cbi reports that I was aware of the problem. By that time the XXXX XXXX XXXX XXXX transferred all my accounts to their delinquency credit collector who refused to accept my paperwork for repayment for 1 year and half! After finally threatening the credit agency with an attorney after speaking to one, the collection agency accepted my repayment plan on their own " made up '' terms. The credit reports continue to show the accounts as derogatory and unpaid since original date reported. I have been paying since contract with the credit company. The XXXX XXXX XXXX XXXX 's collection department has racked up over $ 7k in interest by stalling this process all along. When I call the XXXX XXXX XXXX to try to pay the entirety of the balances off with consolidation loans, they reject my requests and say their is nothing I can do but to stay in this ridiculous repayment program. They took my husband and I 's XX/XX/XXXX tax return and applied all $ 7k to the loan balance even though the credit program I contracted under said this garnishment would not happen. It 's ruined my credit and I can not buy a home. I have disputed it with all 3 credit bureaus. The cbi 's removed it and then it reappears again the next month. An attorney has advised me to contact your agency to help. Please help 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 2017-06-16 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: CO

Complaint narrative:
Equifax continues to report outdated and obsolete information on my account.     They refuse to delete it because they state that the law reads they do not have to delete it until the information is outdated 7 years from the date of the last activity.     The law reads that the original delinquency date is the date when the account first became delinquent, or past due. Delinquencies ca n't stay on your credit report more than seven years from the original delinquency date, even if you pay your bill in full the very next month.  <P/> Credit bureaus are to REMOVE the outdated information on an account seven years after the original default date no matter who has bought the debt or when, the account has to come off your credit report.  <P/> Mr.  XXXX , I.D . #  XXXX , a supervisor at Equifax says is it from the date of the last activity. He does not know the law and Equifax should be fined for falsely misconstruing and violating the law. The law states it is from the date of the first delinquency not the date of last activity.  <P/> I want the outdated information removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
I received a call from  XXXX  to call her that is when  XXXX  low with a nasty rude attitude and say to my son with the same nasty attitude, then  XXXX  low said to me i am tried off playing game with you and your son, i have not been talking to this child because that is what she is to me,  XXXX  low have been talk to my son about the payment arrangement, then i call to talk someone that is over these peoples and that is when this boy got on the phone with a nasty and rude   XXXX   over, the phone so i cursed him out, then i call back to get the last name, when  XXXX  said to me you are dealing with a lot of crazy peoples around here   XXXX   reuse to give  XXXX  last name, then  XXXX  reuse give me  XXXX   XXXX  to see when he will be back to work,  XXXX  with his rude month said i do n't know i ; m not on a cell phone, these peoples need to be fired the se two peop les did't care to hear what you have to say whatsoever, when you get rude and nasty unprofessional represnting a company they sure be fired, what goes around comes around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
This is a debt/judgment that I owe and I am trying to pay ( that was not an option for me to choose on the previous page ).   On  X/X/17    I tried to pay a collection agency  Sessoms and Rogers  of what I owe from credit card from  XXXX  bank. I used their website to enter my checking account information. I received a receipt that I made the payment. A week passed and the collections agency did not take the money from my checking account. I called the  Sessoms and Rogers  to tell them that the money was still in my account and a representative told me that it was ok it took time for the funds to be removed. Another week passed and the funds are still in my checking account. I called again and another rep. told me they received word they could not find my account that is why they could not retrieve the funds. So I asked this Representative that I can pay the debt now and they told me no because my account is closed. The told me I had to contact  XXXX . I called  XXXX  to see if could pay them and they told me no too because my account was closed.  Sessom and Rogers  told me they would have to ask  XXXX  for permission to open the account so I can pay my debt. As of today,  X/XX/17    I still can not pay them and I feel like they are playing a game with me. I have never heard of a credit card or collections company that would not take a payment. I am trying to rectify this because I am in in the process of trying to purchase my first home and the judgment has to be off of my credit report.   Also, my credit report says money due is {$2300.00} but  Sessoms and Rogers  says I owe {$2600.00} that I have been trying to pay. Is that legal they are charging me more?   All I want is to rectify this, pay what I owe so it can be taking off of my credit report. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have had a very difficult time  with OCWEN. I have tried to submit for a loan modification a couple of times. I was never able to communicate to the same person which always caused confusion. Ocwen always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time understanding the overseas representatives.      I am now in a full modification review with all the documents  Ocwen  has requested submitteed. I was told by my assigned rep  XXXX   XXXX  that the foreclosure would be placed on hold while I am in review. Today I have been notified th at Ocwen has  a sale date of  XXXX / XXXX / 17  on my home.     My husband is  XXXX   years old and this is causing a great deal of   XXXX   and concearn. We feel like Ocwen h as lied to us and backdoored a foreclosure sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
On XXXX XXXX 2017, I opened a business account with Bank of America. Initially, everything was going fine. They sent me a welcome email on XXXX XXXX 2017 and they let me know that my business debit card was coming in the mail. On XXXX XXXX 2017, I tried to activate my new business debit card and it said the card could not be found. I spoke with a customer service representative and they told me that my account was closed. I asked why it was closed and all she would say is that " it was a business decision. '' I asked to speak to her superior and she told me that I could but they would tell me the same thing. When I spoke to her superior, I was told again that my account was closed and she did n't have to give me a reason why the account was closed but it was on page 2 of my contract stating that they could close the account at any time. I told her I 've never received any contract and I could not find any information stating this information. I filed a complaint with the Better Business Bureau on the same day. On XXXX XXXX 2017, I received a call from XXXX XXXX and he stated he was with the Complaints Department with Bank of America and he received my complaint from the Better Business Bureau and he wanted to know what happened. I told him what happened but something about this guy did n't sound right with me. He told me that he would look into the matter and get back to me as to why the account was closed. What I could n't understand was he was able to pull up my information in his computer yet he could n't see why the account was closed? I grew more suspicious of XXXX XXXX and thought this guy is going to come up with some sort of lie as to why the account was closed which to this day, there 's no reason for at all. The next day, I received a packet in the mail from Bank of America welcoming me to their bank and issued my bank account number. I called XXXX XXXX and told him that the customer service representative on the phone expressed to me that I would not be receiving this packet in the mail because the account was closed, yet I received it. All this guy could tell me was it was already sent off and they can not control when the packet would arrive at my house but he would get back to me no later than XXXX XXXX 2017 which he said was on a Monday. When I looked at the calendar, it falls on a Saturday. These people are going around the world and back to come up with a lie as to why they closed the account and no one ever gave me an honest answer. I 've since learned through reading complaints about Bank of America that this has happened before where they 've closed people 's accounts for no reason.

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 2017-06-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On the XX/XX/XXXX I had summited 2 payments on accident to Wells Fargo from my XXXX XXXX XXXX both of {$800.00}. On the XX/XX/XXXX i received my tax refund of {$1200.00}. I realized that I summited 2 payments of {$800.00} knowing that I did n't have the funds so i went inside Wells Fargo in XXXX, CA and explained to one of the bankers of what had happened. We called the card company to ( i have the wells Fargo college card ) and explain to them what had happened. They told me they were going to do a refund of the amount and stop the process of one if the {$800.00}. Reminder in my XXXX  account there was a post of {$1200.00} to be exact in my account. Wells Fargo took out the {$800.00} leaving my account of {$490.00} which is correct. Later that that i receive an over draft fee for {$28.00} which i kind of figured would happen since I did accidentally try to send two payments of {$800.00}. Then on the XX/XX/XXXX my credit card had a refund " payment reversal '' and i called on the XX/XX/XXXX after seeing that, to see what happened. the lady had told me that when i called with the banker they requested for a refund of the {$800.00} and the stopping of the 2nd {$800.00}. She then explained to me that i would have to wait the 5 business days for the money to be refunded into my account. On the XX/XX/XXXX I had checked all my accounts and nothing was posted of the {$800.00}. I called and the gentlemen i had talk to said the {$800.00} will be in my account by Friday XX/XX/XXXX because it could take 11 business days to process since its going to an outside wellsfargo account. I checked my accounts again, did n't see the {$800.00} posted anywhere so i called wellsfargo. The guy had told me that they never received any of the payments, i explained to him what had happened, and he just said that nothing was ever taken out of my account due to insufficient funds. I told him that the first XXXX was taken out but the 2nd was n't and how i went to talk to the banker. He then told me that i never had the XXXX even though the XXXX was posted on the account. I then called XXXX XXXX XXXX to figure of what happened to the XXXX since wellsfargo wanted to say i never had XXXX and the lady told me that i already had pending transactions leading into XXXX which did n't make since because i did n't use my card for a good week or so. how there was exactly {$800.00} missing from my 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 2017-06-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
Ford Motor Credit  is deliberately evading my complaints. I have provided them with my information directly and through each of the major credit reporting agencies. I included copies of my credit reports when complaining to them directly. Each time they verified their reporting without demanding more information.  <P/> I then complained through this forum, and they responded with the outright misrepresentation that they could not address my complaint because they were unable to identify me. This time they insisted I provide my social security and my account number and did not address the merits of my dispute.   You responded by closing my complaint, thus allowing them to evade any review at all by you. This is an outrage! How impotent can the Bureau be???  <P/> The CFPB is useless if the company may blatantly lie and say they ca n't identify the consumer and that 's all that needs to happen for you to close and them to dispose of the dispute. Even if you ignore all the information I 've provided the company directly, through you I provided my name, address, email and date of birth, which is more than adequate for a 3rd grader to figure out who I am.  <P/> Lastly, I do n't know the " account number ''. My original complaint is that I do not know what this is about! If they can not tell me and match me up with a valid account number, their legal obligation is simply to remove the tradeline reporting it. Shame on them for giving me the run around and shame on you for not fulfilling your purpose and even trying to stop it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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 is incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
LexisNexis Risk solutions reporting incorrect information they are stating on my report that on  XXXX   XXXX   XXXX  I was involved in a minor moving violation. All I have to say is show me the proof since they are reporting this.    2.also the y are reporting that on  XXXX   XXXX   XXXX  I was involved in a at fault accident also since they are reporting this there should be a police report again she me the proof. I wanted to point out that in both instances are false statements that are affecting my insurance premiums

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In  XX/XX/XXXX , we began the process of obtaining a loan modification for the mortgage on our home through Citimortgage. On  XX/XX/XXXX , they emailed a copy of the loan modification agreement that listed the unpaid principle of our existing loan as approximately {$90000.00}. The documentation also listed the new amount of the loan modification as approximately {$92000.00}. When I asked why there was a difference in the unpaid principle amount of our current loan and the modification amount of the new loan, I was given several different and contradictory answers verbally and no answers in writing. When I asked the person declared as our " single point of contact '' for the modification process to put in writing the reason that the loan amounts were different, she outright refused saying that she could tell me over the phone, but was unable to put those same statements in writing. I asked to speak to her manager and left more than one voicemail that have not been returned. I have had several conversations over the last month and they have all ended similarly. We have been working to get this loan modification for over a year an d Citimortgage is threatening that if we do n't complete the documents as they are quickly, we may lose  the opportunity for the offered loan modification, which could potentially risk foreclosure on our home. I view their tactics as adding an additional {$2500.00} in fees to our mortgage with absolutely no disclosure or notification of what the fees are related to and they are using the fear of foreclosure to push this through. I have asked for documentation about the additional {$2500.00} in loan principle many times and have been told there is nothing else that can be done for me. I am hoping the CFPB will be able to assist in getting me answers.

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 2017-06-16 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
I  XXXX   XXXX   XXXX  have not received my credit report through the mail as requested. I just tried to request it again. I keep getting an interruption that my credit report has already been sent. I have not received my report in the mail as requested by any of the  XXXX  credit bureaus. Please help me get all  XXXX  of my annual credit reports.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WY  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