vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a 100 % XXXX military veteran that is being taken advantage of after repeatedly informing Wells Fargo the mortgage servicer that Im sick and am dealing with various physical and mental health issues. My wife who is also a veteran has been caring for me and the family as a home maker. They approved a payment deferral plan but put in a lawsuit to foreclose on the house anyway back in XXXX of XXXX. There was approvals for the extension within the 3 month timeframes but they acted in bad faith anyways. They agreed to add the arrears to the end of the loan extending the term. When it came time to discuss repayment options they did not want to fulfill their obligation that was agreed upon but instead qualify me for a loan modification. I contacted them frequently staying in constant communication with updates. A letter dated XX/XX/XXXX by Wells Fargo stated that I was approved for a short sale but not eligible for other repayment options. I called them to appeal the decision. Then XX/XX/XXXX I received a letter from Wells Fargo stating that our account is not eligible to be reviewed for assistance and they were continuing the foreclosure process. We got a letter from the XXXX XXXX for the XXXX XXXX XXXX in XXXX XXXX stating XX/XX/XXXX that the court previously entered a final judgement of foreclosure XX/XX/XXXX and is rescheduled to take place on XX/XX/XXXX signed and ordered by the judge on XX/XX/XXXX. My housing situation has changed with my son and XXXX grandchildren moving in after XXXX because rent prices spiked 60 %. Not only do I have more dependents but my financial situation has changed with more rental income. Now me, my wife, children, and grandchildren are in danger of being homeless because the mortgage servicer Wells Fargo greedily wants to short sale and foreclose on my home which has $ XXXX equity instead of providing the repayment option that makes the most sense. There is no reason they should not honor the appeal and add the arrears as an extended term of payments beyond the XXXX year mortgage.

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 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I spoke with Navy Federal on the XXXX of XX/XX/2022 the department was over deft department, I told them that I wanted to take next weeks deposit and place in my account that was almost XXXX old and the rep agreed but on the XXXX of XXXX the automated system placed it in the wrong account and I called to see if the would take the money and place in the correct account and I was denied. I was not able to speak with a supervisor myself but was denied that right and was hung up on multiple times and was told that I could not speak with anyone in the over daft department by a supervisor in checking department who was very nasty and rude and by multiple customer service representatives more than once and more than twice and more than XXXX times. I was told by a leader that tried to assist me but wasnt successful due to the time this was in the branch that when I left Navy Federal on the XXXX of XX/XX/2022 to call and only ask to speak with a supervisor in the over draft department this was after XXXX central time, I called was denied the right to speak or to be transferred to the overdraft collection department by every rep that got on the line. I was abused by rep named XXXX and he hung up on me and stated that I needed to stop calling because my issue will not be resolved. Because of the stress and unfair way I was treated by navy Fed I did lash out on XXXX conversations because of the unprofessional attitude of the supervisor and representative for that I apologize, but it did not give other representatives the right to mistreat me when I called back to try to speak with a supervisor in overdraft department. I would like to verbally make a commitment against these representatives Navy FederaXXXX is a good credit union and I never had issues with customer service but on XX/XX/2022 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 2022-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-02 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
The status history I received from AidVantage clearly shows Forbearances on my account XXXX. These were forbearances forced upon me during periods of either unemployment or low-income. This is precisely what the AG Settlement with Navient is about. Per the Attorney General 's lawsuit against Navient, I should have been put on an income-driven plan. Somehow, Navient failed to provide accurate information about my loans to the AG and thus I have not received my due settlement. This must be corrected and updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am complaining about a Bankruptcy on my credit report that was never ever established as I couldnt afford the program that the lawyer was trying to get me to complete. 

So I had the Bankruptcy was dismissed in 2018 and was never it into force against me but it still shows on my Credit report. 

I would like to have it removed completely. 

Thanks for your time.

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 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Hi, I need to open a chargeback request for 5 transactions made with my debit card ending in XXXX. The shop never provided the merchandise, and also never gave an tracking or delivery information, and never answered the emails or several phone calls. 

XXXX : XX/XX/XXXX, XXXX. It was a XXXX XXXXXXXX XXXX, the expected delivery date was XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX, the expected delivery date was XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX it was a XXXX XXXXXXXX XXXX XXXX, the expected delivery date was XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX, the expected delivery date was XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX, the expected delivery date was XX/XX/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
Consumer complaint received 2022-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am trying to update my prior complaint with Citizen 's bank. I want to provide more information to you. 
XXXX I spoke directly to XXXX XXXX XXXX who told me he would contact me in a few days to discuss a possible modification again of my current mortgage. That was in the middle of XXXX ; please see attached Email follow-up. 
He instructed me NOT TO PAY the XXXX mortgage or pay going forward until it was straightened out since my payments were being denied and sent back. 
It is now XX/XX/2022, and my next payment is due. I am being notified by the credit bureaus that my score is dropping because I am being reported late. 
I have sent 2 emails to the address he gave me, both have gone unacknowledged - I have no idea if they are being opened, received, or what is going on with my case. I have tried to call but I have been unable to reach anyone. I am starting to panic as this is exactly what happened prior to my first complaint, no one did anything and I was reported making late payments to the credit bureau. I have been denied a credit card, and it is embarrassing. 

I have attached 2 mortgage statements- showing that Citizens did not record my mortgage payments which were made on time. 
Specifically - look at the XXXX statement- it shows NO PAYMENTS for the mortgage for XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/2022. I am attaching proof of those payments made electronically directly to Citizens and cashed. They reported me as late to the credit bureaus. 
I modified my mortgage, they told me to make the payments, then they refused them. Reported me as late, charged me an extra {$70000.00}. I am sick about this. 

XXXX XXXX asked me for this information and would get back to me over 2 weeks ago at the end of the week. I have heard nothing. 
I was told not to pay XXXX and now it is XXXX, I am sure no one will believe me, but the line was recorded. I just don't know what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX COMENITY  BANK IMMPOSIBLE TO MAKE A PAYMENT ONLINE, BY PHONE ONCE AGAIN MY DAY STARTS OUT BEYOND FRUSTRATED AND WASTE OF TIME. IT WILL NOT LET YOU LOG IN. IT TELLS YOUTO DO FAST PAY, THAT DOESNT WORK EITHER. 
YOU CALL AND IT SAYS DO TO UNUSUALLY HIGH CALL VOLUME ( GEE I WONDER WHY ) TO PLEASE TRY AGAIN LATER OR GO ONLINE. 
MY CREDIT IS GETTING DESTROYED. 
IT IS AND HAS BEEN HAPPENING WITH EVERY COMENITY CARD IVE HAD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX PLEASE DO SOMETHING. ITS ABSOLUTELY INEXCUSABLE

Company response to consumer: Closed with monetary relief