vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have  a Fraud Victim Alert s ince  XXXX   XXXX , when I was a victim of a crime and it extends for 7 years . Alert  includes my phone number so that anyone using my identity to apply for credit, the vendor has to contact me to insure that it is me applying for credit. I was able to obtain a HELOC and credit cards in late  XXXX  with no problem, with said alert in place. In  XXXX , I applied for   XXXX   XXXX   XXXX   XXXX  ; I was subsequently denied because Experian said they had No phone # for me. Upon request of my repor t (  dated  XXXX / XXXX / XXXX  ), I saw incorrect personal info on my report and requested same be corrected. They also claimed they gave the correct # to  XXXX   XXXX . Today I receive  2nd report  dated  XXXX / XXXX / XXXX .  Information ( w hich included an INCORRECT residential phone # that was not ever mine ) was deleted. However, a new residential phone  # ( again  -not ever mine ) now appears, not 7 days after giving them the correct information. It is impossible to contact anyone by phone, nowhere on either credit report is anything that says customer ID # which they require to submit further disputes online. They need a designated contact Phone number answered by a live person for consumers in the midst of a dispute. Instead th e 1st 3 pages of each r eport are trying to sell me consumer fraud protect ion (   XXXX  for {$8.00} a month. Experian is not protecting my credit but rather exposing me to additional risk. How do they get a new residential phone number for me, when I just spoke to them a week ago, confirming the o nly 2 numbers I have, ( one for over 30 years )? I still have not gotten an explanation as to what happened with    XXXX   XXXX . Representative said they would contact  XXXX    XXXX   to see what happened as my phone number is on their fraud alert ; However, I myself contacted  XXXX   XXXX   XXXX   and security showed me that my phone number was not included when they did the credit check. Experian is not protecting the hard-working taxpaying consumer, but rather the thieves. Are they going to tell me where they got this new fraudulent phone number? They continue to operate under the protection of the government, yet the consumers are not protected

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 2017-04-28 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Each Credit Reporting Agency continues to show credit inquiries when we have not authorized the companies to pull our credit. I have  disputed these inquiries from each agency and nothing has happened nor have they disclosed the accuracy of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Each Credit Reporting Agency c ontinues to show credit inquiries when we have not authorized the companies to pull our credit. I have disputed these inquiries from each agency and nothing has happened nor have they disclosed the accuracy of these inquiries.

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 2017-04-28 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Early Warning Services was  disputed on  XXXX / XXXX / XXXX  with   XXXX   XXXX   XXXX   XXXX .   XXXX   XXXX   has been disputed on  XXXX / XXXX / XXXX . My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When   XXXX    found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with   XXXX   and no luck. Attempted to resolve wit h Early Warning Servic es,   XXXX   XXXX  , and no luck.  XXXX / XXXX / XXXX  Today I have found that I can not open any accounts and have found myself without banking for busines ses. Real Estate and Construction . I am not able to write checks to employees or conduct business. I am desperate to talk with someone to help the situation. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
Messerli & Kra  mer A ttorney at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MN  XXXX  The company dropped of a summons with all my personal information exposed in an attempt to collect a 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 2017-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XXXX   XXXX   XXXX  Attorney at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MN  XXXX  The company dropped of a summons with all my personal information exposed in an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: FL

Complaint narrative:
On or around  XXXX   XXXX , I requested a dispute of an account (   XXXX   XXXX   XXXX  ) with Experia n Reporting Services ( Dispute  #  XXXX  ) this account was not obtained, authorized and I did n't benefit from its opening. These facts were expressed to the live operator spoken with about my disposition and there was also a notarized Identity Theft report (  XXXX  ), which specified the aforementioned. This was done according to the FC RA sec605.b. This congressonal act gives specific direction to the block accounts specified by a victim of I dentity theft. Instead of blocking the account the service agency, took a " Paid '' account and reported it as a late or Potentially Negative Account, in addition they requested that I contact the creditor as they had no direct contact information on my reporting profile.

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 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
The closing has been pushed back 3 times. I have had to change my moving date, incur extra costs at my present home, change my movers 3 times, change my painters 3 times, change my carpet cleaners 3 times. Today at  XXXX  was supposed to close. There was structural work at the home I 'm purchasing that the appraiser had to see and verify with the lender that the work was completed. This was done. Now the bank tells me that they can not close until the  appraiser  goes back out and verifies that the wall paper and the chair rail were put back up in the basement rec room. It is up, I saw it when I did my final walk thru Wed  XXXX / XXXX /  XXXX  . What does wall paper have to do with getting the mortgage approved? That is not a structural repair, it is decorating. I feel that this is bad faith. I had to wire my down payment and closing fees from my bank account yesterday to the title company. Again, that does seem right to me. I started this loan process on  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 2017-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened my account under the promotional terms that I would receive a {$350.00} bonus for opening  a webster premier che cking account and doin g ONE of the following : 1.    Direct Deposit 2. 10 debit transactions 3. 5 bill pays I had 2 bil l pays on  XXXX  and  3 b ill pays on  XXXX  I also had a direct deposit on  XXXX .      Webster bank says I do n't qualify because 2 of th e bill pays are after  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
XXXX   XXXX  has gotten  XXXX   XXXX   XXXX  for {$930.00}. I spoke to  XXXX   XXXX  where it was not correct due to the fact I did n't not have  XXXX   XXXX   XXXX   back in  XXXX . I ha d 4 different dentists who made up 4 different things they were gon na perform. I was talked to by all 4. I meet a surgeon also. She wanted to include implants. I meet 3 others dentist. I could not afford implants so I wanted something different I could afford. I spoke to the office manager who was at the off ice in  XXXX , Al at the time. She said it would be handled. I then went back the first  of the year  XXXX , the new office  manager  told me she was sorry she would take care of this because it is incorrect.   I have gotten a new letter in  XXXX    XXXX   saying I owe this amount. Why have I gotten a letter in the mail again about this?

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 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
From the start when my husband and I became qualified for  XXXX  mortgage relief program , Nation Star mortgage sent four applications out to be notarized after had we the first three notarized, this was getting very irritat ing and time consuming since we both had to be there. At this time in early  XXXX  they continued to report us as 120 days late when we were on time making trial payments and we told we would not be reported by numerous associates. They also reported the months of  XXXX , and  XXXX  of  XXXX  as 120 days late when they were paid on time. Then  XXXX  of  XXXX  through  XXXX   XXXX  are being report ed 90 to 120 day s past due when they were paid on time. This issue is greatly affecting my credit history and number which hinders my ability to receive a good finance rate which I deserve. Please inquiry with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
My wife,  XXXX   XXXX  and I were married on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX  we became legally separated. During the period of our marriage we obtained a joint loan wit h One Main Financial.  ( At the time they were known as  XXXX   XXXX   ) On   XXXX / XXXX / XXXX  a  Consent Judgement Entry  was filed dividing assets and debts between each of us. The agreement was for our assets to be divided equally and any joint accounts to be mitigated to the other account holder as sole ownership. All was completed except for  XXXX   XXXX  's role on this account wi th One Main. Once I attempt ed to pay the account off, her signature was found to be required, because  XXXX  never signed the account over to me in sole ownership. A motion to show cause was filed, and  XXXX  was found in contempt of court, and is now the sole owner of the  One Main Account. One Main  continues to contact me, and threaten me by phone, mail and email to secure my belongings, garnish my wages, and imprison me. They are also reporting negatively on my credit report. Since I owe no balance, this must be removed immediately. I recently was denied a loan through  XXXX   XXXX  as a result of this negative information and high balance being listed on my report, and  my APR went from  10.9 % to 18 %. This is due solely to this mistake. Since this is happening, I am seeking a settlement for damages fro m One Main Fi nancial which they can bill to  XXXX   XXXX  's attorney  XXXX   XXXX , who has agreed to pay this law-suit of {$25000.00} in full to avoid being dis-barred for credit fraud, and imprisonment for violating my rights under the fair debt collection practices act, and fair debt reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
on  XXXX   XXXX  through  XXXX  i saw that  Eastern Revenue in c removed an account of {$6000.00} from report. They changed the reopen date to  XXXX / XXXX /  XXXX   when it was orignated in  XXXX . a few days later they put it pack on my report  XXXX / XXXX /  XXXX  . i have not been in school for 7 years so they can not continue to report this account it must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
At the beginning of this year, I saw a promotion offered by  Wells Fargo . They suggested if I go bank with them, namely by opening a checking account and complete some requirements, I would get a bonus of {$250.00}. Please see attached "   XXXX   XXXX   ''. I thought it was good deal and applied for it right away.   Then I got an email fro m Wells Fargo  on  XXXX   XXXX , saying my app was received. This email, did contain a phrase saying the bonus was attached. Please see attached " app received.jpg ''.  One d ay later, I got an another email that required me to go t o one of  their branch to provide more information. On  XXXX   XXXX , I went t o one of the ir branch to complete the application process and the account was opened successfully.   According to the offer term, I had to complete either  one qualified direct deposit or 10  debit card transactions within 60 days of account open date. The bonus would be paid within 45 days after that. I have completed thei r 10 d ebit card transactions requirement by  XXXX   XXXX .  Wells Fargo  did n't honor this bonus after 45 days. I tried to contact their customer service and go to branch. Customer service rep suggested I should go to branch for further assistance. But the banker in branch told me I should call for customer service instead. Basically it is a dead end if I want to get help from  Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-28 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: VA

Complaint narrative:
M y credit score is affected by " the number of delinquent accounts '' which does n't make any sense to me. I do n't remember having a late payment in recent history. In fact, my FICO report shows that I 've made 100 % of my payments on time in the last 24 months.

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 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I pulled my TransUnion And  XXXX  credit report in  XXXX   XXXX  and noticed   XXXX   XXXX   and  XXXX   XXXX  showing as credit cards belonging to me and that had charged off. I submitted investigations 3 times with TransUnion stating this is not my account and with  XXXX  3 times stating the same, not my account. I have faxed and mailed copies of my id and ss card each time. Each time it comes back verified. I called Applied credit card company and was told 4 times with the latest being today that they could not find an account with my name on it or the account number. I spoke with  XXXX  she states not sure how to stop it from reporting as they have no knowledge of it. She said they didnt have a fraud department she could only take my number and have someone call me back. I spoke to  XXXX  at TransUnion today she states she cant remove it because Applied is confirming it. She states no proof received only " confirmed ''. I want his removed from my credit as it DOES NOT BELONG TO ME. She states nothing she can do.       XXXX   XXXX  - I have called several times and I cant reach anyone as my ssn or the account number on the credit report " doesnt match their files '' so the automated system hangs up due to no match found. I have disputed 3 times with  XXXX  as well that this is not my account. This last dispute on  XXXX   XXXX , it states " updated from my dispute '' but nothing changed! I 've faxed letters asking to provide proof it belongs to me or delete and nothing happens. Just " verified ''. They ( TransUnion or   XXXX    ) will not provide proof and I have did all I can do.     I also advised  XXXX  the following Inquiries are fraudulent /not authorized by me :   XXXX    XXXX / XXXX / XXXX   XXXX  -  XXXX / XXXX / XXXX    XXXX   XXXX  -  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX -  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX  I advised TransUnion the following iquiries are fraudulent/not authorized by me :   XXXX   XXXX   XXXX     XXXX  via  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  &  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  I need this to be corrected and removed from my credit reports.

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 2017-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I previously requested a modification on my home loan with  Wells Fargo. While the modification was pending..payments  were made, but not applied to my loan. I was advised that the loan must first be in default before the loan can be reviewed for the modification. This resulted in my loan showing more delinquent than the loan actually was on my credit. The lender then appraised the home for more than the value of the home and did not provide a copy of the value obtained when requested. The principal balance was then increased excluding the payments made and not applied at the time of the modification.  Wells Fargo  excluded the payments and based the monthly payment on now a more significant appraised value and raised the monthly payment by several   XXXX   XXXX  . I was forced to accept the terms in order to save my home and was now severely delinquent. At the time of the modification the principal balance was increased to more than the value of the home at that time and the previous payments made were now misapplied. I followed up with the mortgage company in regards to the misapplied payments made during my modification review and they in turn researched it and after several phone calls and months, reversed them but indicated the payments could not be applied to the mortgage payments, but had to be put on the principal balance, in putting the payments on the principal balance, no restructure took place to lower the principal to reflect the funds applied. So.. to me if felt as if there was no resolution. I fell behind on m y HOA f ees trying to regroup from the now increased payments that caused an additional hardship.     To make matter worse, I am in a community property state and from what I am being told, the modification was recorded incorrectly.

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 2017-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MD

Complaint narrative:
My card was used by someone while I was not in the coun try ( USA ).    I have talked to the credit card company and send them copies of my Passport and Airline tickets showing that I was  not in the USA. A nd I have no idea who used my credit card and how? I have never used credit card and not paid in my whole life. Any body can check that.

Company response to consumer: Closed with non-monetary relief