vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Independent Savings Plan Co.
State: VA

Complaint narrative:
On XX/XX/XXXX My ex husband and I entered into an agreement with ISPC for the purchase of a water system for my home that I had just purchased. We signed the dotted line but there was no explanation that there would be a XXXX filing ( lien ) against my property, if I had known I would have never agreed to buy the system. My husband and I got divorced in XX/XX/XXXX and I was left with the payments, In XX/XX/XXXX, I filed for bankruptcy and I included ISPC in it. I did not find out about the XXXX filing until XX/XX/XXXX when I saw a physical copy that was sent to my lawyer 's office. In my statement of intent, I declared that I would be returning the financed equipments because I was no longer financially liable for it. At my hearing, the trustee asked me to call the finance company ( ISPC ) so they can approve the vendor ( XXXX XXXX XXXX XXXX ) to pick up the financed equipment. Well, XXXX which is an employee in ISPC legal department has been giving me the run around since XX/XX/XXXX. On XX/XX/XXXX, I called the company ( ISPC ) again, telling them to pick up the financed equipment because that was the reason why they filed a XXXX on my property, I was told that even though I am no longer financially responsible, my ex husband was. I provided them with my ex husband address and phone number, he relocated to a different state since XX/XX/XXXX, I do not have contact with the man. ISPC is guilty of unfair and deceptive tactics, no homeowner would agree to jeopardize their home over an overpriced water system that is faulty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: NY

Complaint narrative:
I had a credit card with Discover. I had a credit limit of {$1900.00}. On XXXX my credit was decreased to {$500.00}. I had made a payment of XXXX to bring my account current. I missed a payment in XXXX due to a very personal issue but set up payment plans with Discover to bring my card current. I was able to make a large payment and no sooner than I had done that my credit limit was reduced to {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Debt was paid to the original creditor after adjustment by insurance company. Credit Control Corp was never involved and are attempting to defame my profile with XXXX, XXXX, and XXXX  credit bureaus with extremely malicious intent. 

This is evidenced by the recent erroneously and incorrect " XX/XX/2019 update to my XXXX credit file '' for an account ( Re : Acct. # XXXX ), that is/has been paid in full! I have already attempted to remedy this situation with Credit Control Corp to no avail ... .as they continue to criminally defame my character by passing erroneous, malicious, and incorrect information. This inaccurate information SHOULD HAVE BEEN VERIFIED through my two previous attempts to rectify this situation. However, Credit Control Corp continues to persist in this defamation attempt. 

If this continued attempt by Credit Control Corp to defame my character through the passing of erroneous information causes financial harm and ineligibility of me to purchase a new home, I will not stop my pursuit of accountability for their actions. I will pursue ALL legal avenues to remedy this issue pursuant to my rights under the FCRA and through my lawyers advice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I'm a XXXX Veteran and had no income for over 2 years. Because of this I voluntarily surrendered my vehicle to XXXX XXXX and set up payment plans through XXXX on XX/XX/18. I have been adhering to the payment plan since then. 

TransUnion is reporting the auto loan twice under XXXX XXXX XXXX and XXXX XXXX Services. TransUnion reports as bad debt. No mention of paying installments as agreed. No revision to the balance owed. 

I have contacted the credit reporting agencies, XXXX XXXX and XXXX with no success of getting anything updated. 

XXXX XXXX account # XXXX XXXX  account # 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
Consumer complaint received 2019-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: NY

Complaint narrative:
Have been trying to figure out how my loan payment went up and my income went down {$10000.00}. Was told they can not give me the income amount they based my monthly loan payment on because its a rule from the department of education. makes no sense at all. they verify over the phone all my personal information etc. so why are they not telling me what they based my payment on. I also tried loan forgiveness due to XXXX university holding my degree for 8 months and by the time they released it i was too old to get a job in the field i had a degree in. It was XXXX  mistake and i even have an email stating that it was and how sorry they were. How is loan forgiveness supposed to work when the people who decide are saying no because they are the ones getting our money. makes no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo is reporting incorrect accounts to all three credit bureaus. This is not my account, I've tried contacting Wells Fargo several times and stated that this is not my loan!!! I have never received anything other than it showing on my reports. It is now reporting with a balance on 2 of the bureaus and showing that they charged off as bet debt on XXXX. This account is NOT MINE!! and is reporting badly to all three bureaus, which is harming my credit and preventing me from getting a loan. I want this matter resolved immediately.

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 2019-12-06 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: NY

Complaint narrative:
I am disputing the following accounts with Experian XXXX, and XXXX   because i have been victim of identity thief : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SB XXXX There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
On XX/XX/19 I sent an email to XXXX demanding that my Wells Fargo Propel American Express credit card be closed at my request and that any further communications with me be in writing. They have arrogantly refused to do so. I believe their actions represent a general pattern with other account holders. They emailed me an acknowledgment on XX/XX/19. They emailed me a demand on XX/XX/19 that I download an XXXX application called XXXX in order to communicate. I attempted to do so. The app is not functional with my XXXX XXXX. I so notified them on XX/XX/19. I then received a Wells Fargo letter demanding that I either communicate with them by phone ( see my previous in writing only instructions to them ) or mail them a NOTARIZED demand to close the account. To date they have illegally failed to promptly close the account based upon my original demand. I can provide copies of all emails and their letter. Please contact and sanction them and require that they follow the law. Thank you.

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 2019-12-06 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:
my credit report on XXXX XXXX shows 3 hard inquiry 's which i disputed with Equifax as unauthorized. their response # XXXX dated XX/XX/XXXX indicated the " results were a factual record of file access ''. they advised contacting the creditors " if you believe this was unauthorized ''. multiple phone calls resulted in refusal of any of these companies to either justify their inquiry with evidence or to request its removal from my credit record. they are XXXX XXXX XXXX Ca XXXX XXXX, XXXX ; Institution Information XXXX XXXX Ca XXXX XXXX, XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XX/XX/XXXX. 
In each case the companies transferred me to multiple departments and attempted to require me to document details of the questioned inquiry 's and of course I do not have any such details such as which of their customers or departments triggered the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
Submitted request to my mortgage servicer for mortgage assistance several times because my husband died last year. I have provided all the requested documents for several months and I'm still waiting for the finalization of my mortgage assistance application. 
I called the mortgage company to check the status of the mortgage assistance application and was informed my home is in pre-foreclosure. I don't want to lose my home, but I feel Fay Servicing is refusing to finalize my mortgage assistance application and they are going to try to foreclose on my home. Fay servicing is hard to work with and unwilling to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo purchased my mortgage in XXXX and at that time I was not informed that flood zone revisions had been done in my area or that I was required to have flood insurance. Now 9yrs later I received a letter from Wells Fargo telling me that my house is partially in a determined flood zone A   and that I am required to have flood insurance on my house and that if I don't purchase insurance they will have a lender placed policy put into effect at my expense. If you look at the FIRM for the area my house is effected, However I have provided evidence to the contrary to the Community Development office for my locality and they are in agreement with me and I have also filed for a LOMA from FEMA which the County feels well give me the result I am looking for. I informed Wells Fargo of all this and supplied them with the letter from FEMA saying my dispute was in progress as well as a survey that was done in XXXX before the revisions that shows my house not to be in a flood zone. Zone A flood zones are determined by approximate methods so my survey should be more accurate and FEMA is in possession of a copy of said survey as well as my deed which the survey is amended to as well as photos. The first letter I received was dated XX/XX/XXXX and advised me that I had 45 days and then received a letter dated XX/XX/XXXX saying they had purchased temporary flood insurance for me effective the date of the letter. Which clearly wasn't 45 days and during this time I was trying to get them to give me more time. I feel this has been an unfair and unjust act and am considering Legal action if applicable. I also tried attaching the letters but they won't upload

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 2019-12-06 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: NY

Complaint narrative:
I am disputing the following accounts with XXXX  Equifax, and XXXX  because i have been victim of identity thief : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX I tried to Access my 401K Account that is managed by Wells Fargo Retirement Services. I was accessing the account to make contribution changes to my 401K plan. I found that my account has become unacessable and is not displayed at all anymore on my account. I am unable to make contribution limit changes. 

On XX/XX/XXXX I called Wells Fargo retirement services and spoke with a representative at length regarding this issue. The representative stated that the issue would be resolved in 24 to 48 hours. 

On XX/XX/XXXX I again tried to access my account and make contribution changes. Again the account is made unaccessable for changes to my contribution limit. I then called the Account Services again and explained the issue and that it had not been resolved. 

Now I am being told they aren't able to see the account or make changes on my behalf and can not provide a solution. 

Currently my income is being affected by this gross negligence and my rights by law are being violated.

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 2019-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX is listing a debt of {$5000.00}. I'm unaware of any outstanding balance and have not used that account in over 10 years. I need the account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I keep saying that XXXX XXXX is not mine. Please remove from my credit report. Thank you!

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 2019-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I keep saying that XXXX XXXX is not mine. Please remove from my credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have had an account with XXXX  XXXX  which is with Synchrony Bank for over 3 years I initially used this for a XXXX XXXX I had a 6-month interest free option if I paid it within 6 months and on time, after my 3 rd month I called to see what my balance was and they told me I did not qualify for the 6 months interest free anymore because they received a late payment however my payments have always been made through my bank. since XX/XX/XXXX I have had this card and the total amount has still to this day have not gone down and I make my payments monthly after 3 years you would figure I owe a couple of hundred dollars since I have never used the card again. but I still owe as of today XX/XX/XXXX {$1000.00} which is a lot my procedure was only about 600 dollars. I called today and asked the interest rate and they stated it was 26.99 %. 

Can I please get some help with this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
the date they have as the opening date of the account is wrong, they indicated that i had the debt in XX/XX/2014 which was wrong, it was way before that and they refused to send the copies of the documents i signed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: National Credit Systems,Inc.
State: MI

Complaint narrative:
National Credit Systems Inc. Is reporting false information to my XXXX  and this is negatively impacting my credit. This company is reporting a collection of {$1400.00} This account is not mine. I have contacted NCSI on several dates, they are still reporting this account, please remove and cease reporting to any of my credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX is listing a debt of {$5000.00}. I'm unaware of any outstanding balance and have not used that account in over 10 years. I need the account removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX and XXXX 4 credit inquires for a car loan to apply was denied but i did not authorize the approval of the application to be applied for my mother decided to apply for both of us and used my information

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 2019-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
XXXX3 money orders purchased from Westen Union , {$1000.00}, {$1000.00} and {$43.00} and sent to XXXX Dept of Finance to pay property tax bill. After several weeks, payment from the money orders not reflected on said tax bill. XXXX Dept of Finance claimed that they never received money orders, they were never processed, endorsed, or applied to the tax bill. 
Tracers were put on the money orders, and when results received, the money orders were not endorsed. Claim forms received from Western Union were filled out and sent to XXXX DOF on XX/XX/19, to sign off on and notarize. After 4 months- DOF legal refused to return claim forms, saying that since they were not received by them, they had no obligation to cooperate. 
Notarized letter ( attached ) by the homeowner explains everything and has all the necessary documentation to substantiate the claim. Claim forms sent to Western Union on XX/XX/19. Letter received on XX/XX/19 stating that the claim could not be processed as the claim forms were not signed and notarized by the payee -- even after a notarized letter sent to W U stating that the XXXX DOF was not going to cooperate. 
An e-mail from XXXX DOF-on letterhead, with DOF contacts, sent to Community Board # XXXX, stating that money orders not received, processed, endorsed, was include as proof of claim. 
A call to WU on XX/XX/19 determined that the claim would be escalated and to call back in a few days. A call was made on XX/XX/19 which determined that the sponsoring bank ( W U would not divulge name ) denied claim due to the claim not being signed, and one claim was sent to bank, Western Union 's responsibility ended and was not in a position to process calim any further. W U still would not advise the disposition of the money orders ( cashed or lost ), as the claim was not formerly processed. 
Homeowner is in areas in paying his XXXX property taxes as he is a senior citizen on a fixed income, and was waiting for the claim to be processed.

Company response to consumer: Closed with explanation