vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-01 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: SC

Complaint narrative:
XXXX is continuously adding falsifying information to my report without validation. For example on case with CFPB XXXX, a request to have fraud alert removed from my credit report because I am having trouble with things still being added without consent that any company contacted me. XXXX stated that they will remove the alert. Well on XXXX XXXX I received an alert from a credit monitoring agency that something was added to my report. After contacting XXXX to ask what was added XXXX stated that they received an update from XXXX for an extended fraud alert was placed on my report. I also received in the mail from XXXX a letter that will be attached that I requested this information. This is false. I never requested the information to be added. I have not asked XXXX to represent me in no way shape or form. Your case above shows evidence that a request was placed to stop the fraud alert and they acknowledge. This goes to show this company is not trustworthy. Also I disputed several different items on my report and according the file that was sent to me by XXXX that the investigation was completed and the notes will show either " verified '', " deleted '' or " updated ''. Everything in the file # XXXX states consumer disputes or consumer disputes reinvestigation. Nothing showing anything was VALIDATED not Verified but VALIDATED. XXXX is not trustworthy and adds items to consumers reports without consent or validation. I asked that the items in my credit report circled and notated be removed immediately from report and that XXXX  contact the other agencies to have them update my information as well. Also please note that in XXXX XXXX was sued by XXXX XXXX when she was denied for credit and saw that information on her credit report was not valid. According to her case which is similar to mine in XXXX she disputed with XXXX about inaccuracies on her report several times including the time when they told her that her file was mixed up with someone else but she had to dispute the information. Currently this year XXXX and XXXX are currently being sued for misleading information to consumers. Again this is an example of this companies trustworthiness.

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 2017-05-01 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: SC

Complaint narrative:
XXXX  is continuously adding falsifying information to my report without validation. For example on case with CFPB  XXXX , a request to have fraud alert removed from my credit report because I am having trouble with things still being added without consent that any company contacted me.  XXXX  stated that they will remove the alert. Well on  XXXX   XXXX  I received an alert from a credit monitoring agency that something was added to my report. After contacting Transunion to ask what was added  XXXX  stated that they received an update from   XXXX   for an extended fraud alert was placed on my report. I also received in the mail from  XXXX  a letter that will be attached that I requested this information. This is false. I never requested the information to be added. I have not asked   XXXX   to represent me in no way shape or form. Your case above shows evidence that a request was placed to stop the fraud alert and they acknowledge. This goes to show this company is not trustworthy. Also I disputed several different items on my report and according the file that was sent to me by   XXXX    that the investigation was completed and the notes will show either " verified '', " deleted '' or " updated ''. Everything in the file #  XXXX  states consumer disputes or consumer disputes reinvestigation. Nothing showing anything was  VALIDATED not Verified but VALIDATED .  XXXX  is not trustworthy and adds items to consumers reports without consent or validation. I asked that the items in my credit report circled and notated be removed immediately from report and that  XXXX  contact the other agencies to have them update my information as well. Also please note that in  XXXX   XXXX  was sued by  XXXX   XXXX  when she was denied for credit and saw that information on her credit report was not valid. According to her case which is similar to mine in  XXXX  she disputed with  XXXX  about inaccuracies on her report several times including the time when they told her that her file was mixed up with someone else but she had to dispute the information. Currently this year  XXXX  and Transunion are currently being sued for misleading information to consumers. Again this is an example of this companies trustworthiness.

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 2017-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
We applied through owcen a modification 6 times to get our payment lowered and every time we sent in the paperwork they said it was incomplete even though we talked to them each time we sent the paperwork in to make sure it was all correct before we sent it in we have been doing this for over a year now and fell behind on the payments we tried to contact them and request documents so we could at least refinance to clear up the past due balance and they would not send us what our credit union needed to finalize this process So we then decided to sell the home and take our losses so we hired a Realestate company went through them got a offer and ca n't get owcen to give us a contact person to discuss a quick sale before the foreclosure auction even though we have a buyer willing to buy the home this is crazy and I tell everyone that I know that owcen is not a good company to work with so they can try to auction the home or at least talk with the realtor company and accept the offer on the home and recoup their losses I 'm so frustrated and tired of dealing with all of this then we received a letter from owcen that the loan was obtained by another company thennothing from them either and owcen is still the primary what does that mean? The letter they sent is invalid? What the heck a very frustrated home owner

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX  loans with nel net first account number  XXXX  there is a direct and a sub direct. well several times i made large lump payments ov er 1000.00 t o bring down my loan balance and they applied to to interest. I was never late on my loan so i had no past interest due. when i questioned them i was told that that is how they handle there loans that any addl money paid gos to future interest not the principle. i thought this was weird practice so i never paid them a lump some again. I have paid off the loan however i believe they have robbed me and applied my monies incorrectly and i can not get them to fix the issue.     My name is :  XXXX   XXXX   XXXX  date of birth is  XXXX / XXXX /  XXXX   last  4 d igits of social is  XXXX  address is  XXXX   XXXX   XXXX   XXXX , ca  XXXX  phone  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
My son was a student at  XXXX   XXXX   XXXX .   I " co signed '' his  one year lease. " Guarantee '' One year later he took a new lease, new date, new dollar amount. I did NOT co sign and did not guarantee the seco nd lease.   Landlord is trying to hold me responsible. The landlord has hired National Collections of  XXXX   Ga. to collect on unpaid rent and damage to apartment.    The bill collector removed the staple from the first lease, removed the signature page with my signature from the first lease and attached it to the second lease in attempt to imply I co signed second lease. My evidence is clear from date on the " guarantee '' and from date of public notate signatory.   Please help me have this removed from the  XXXX  credit reporting files :   XXXX   XXXX   XXXX   XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: OR

Complaint narrative:
I had a debt from Kay jewelers that was bought by national credit adjusters. I paid in total  XXXX  dollars in 12 months way of  XXXX   XXXX  dollars a month and a last payment of  XXXX  dollars. The debt does not show on my credit report and Kay jewelers said I do not owe anything.  XXXX   XXXX   XXXX   XXXX   has contacted me and said I owe money for a debt to Kay jewelers. I told them it was paid and provided phone numbers to verify that it was. I have received nothing in writing from the regional mediation services about this supposive debt. On  XXXX   XXXX    XXXX   I received a call from an Idaho number which I do not live saying they are a courier to serve me papers on behalf of regional media services to sue me. I believe these people are scams and need to be looked into. I have done some research online and have seen the same stories from others and was provided this site address to file a complaint. Thank you  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: GA

Complaint narrative:
To wh om it may  concerns, I am writing regarding a few accounts that have been on my credit report with Transunion for more than 7 years. I have contacted Transunion many times and they have refused to assist me. These accounts have been satisfied and closed with a   XXXX   balance but Transunion has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Transunion and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court paper against Transunion because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance should be remove/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance. Here is the list of all the accounts   XXXX   XXXX   XXXX   :  Account #  XXXX   XXXX   XXXX   XXXX   Account  #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   SD   XXXX   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 2017-05-01 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: FL

Complaint narrative:
XXXX   XXXX   on  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   XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  &  XXXX   XXXX   XXXX  I HAD SENT IN DISPUTE STATING I DID NOT AUTHORIZED IT AS WELL WITH A POLICE REPORT AND WAS TOLD NOTHING COULD BE DONE ABOUT IT EVEN THOUGH IT WAS FRAUD AND IT WAS NOT AUTHORIZED THERE WAS ALSO AN ISSUE WITH  TRANS UNION I  WAS VICTIM OF THEIR INQUIRY ISSUE THEY HAD SOMETIME DURING  XXXX  WHICH SOME OF THE DATES ARE INCLUDED ON THE TOP. ALSO  XXXX   XXXX   XXXX   XXXX  &  XXXX  ON  XXXX   XXXX   XXXX  AS WELL AS  XXXX   XXXX   XXXX  MY POLICE REPORT NUMBER IS  XXXX  FOR  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 2017-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo o pen up a fraudulent account without my notice ... .Allowing multiple fraudulent transaction on my account from  XXXX   XXXX   XXXX , withdraws and more to be explaine d Wells Fargo than refuse to investigate fraudulent activity and tampering with investigate threatening to close my account due to retailation of my complaintss

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 2017-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I have a line o f credit with Wells Fargo.  On Friday,  XXXX   XXXX , I called to make a payment towards the line of credit in the form of an electronic debit from my non-Wells  Fargo  checking account in the amount of {$300.00}. In reviewing my checking account balance today  (   XXXX   XXXX ,  2017   )   Wells Fargo  applied  XXXX  charges of {$300.00} each for a total of {$600.00}, instead of  XXXX  payment of {$300.00} as I authorized.     I c  alled Wells Fargo this morning asking them to credit the {$300.00} iinot my checking account right away but I was told that it will take them between 10 and 15 business days to credit the {$300.00} back into my account.
It is unfair that I have to make my payments on-time if I want to avoid a late payment and/or other fees and a negative   impact on my credit history/scor  e but Wells Fargo gets to charge my checking account without my authorization and not give my money back until it is convenient for them.
It is also abusive that I have to deal with the consequences of not having the money that I count on to pay other debt at this time of the month, such as my mortgage, because Wells Fargo refuses to credit the {$300.00} into my account right away.

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 2017-05-01 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: FL

Complaint narrative:
XXXX   XXXX   on  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   XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  &  XXXX   XXXX   XXXX  I HAD SENT IN DISPUTE STATING I DID NOT AUTHORIZED IT AS WELL WITH A POLICE REPORT AND WAS TOLD NOTHING COULD BE DONE ABOUT IT EVEN THOUGH IT WAS FRAUD AND IT WAS NOT AUTHORIZED THERE WAS ALSO AN ISSUE WITH  XXXX   XXXX  I WAS VICTIM OF THEIR INQUIRY ISSUE THEY HAD SOMETIME DURING  XXXX  WHICH SOME OF THE DATES ARE INCLUDED ON THE TOP. ALSO  XXXX   XXXX   XXXX   XXXX  &  XXXX  ON  XXXX   XXXX   XXXX  AS WELL AS  XXXX   XXXX   XXXX  MY POLICE REPORT NUMBER IS  XXXX  FOR  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: FL

Complaint narrative:
XXXX   XXXX   on  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   XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  &  XXXX   XXXX   XXXX  I HAD SENT IN DISPUTE STATING I DID NOT AUTHORIZED IT AS WELL WITH A POLICE REPORT AND WAS TOLD NOTHING COULD BE DONE ABOUT IT EVEN THOUGH IT WAS FRAUD AND IT WAS NOT AUTHORIZED THERE WAS ALSO AN ISSUE WITH  XXXX   XXXX  I WAS VICTIM OF THEIR INQUIRY ISSUE THEY HAD SOMETIME DURING  XXXX  WHICH SOME OF THE DATES ARE INCLUDED ON THE TOP. ALSO   XXXX    XXXX   XXXX   XXXX  &  XXXX  ON  XXXX   XXXX   XXXX  AS WELL AS  XXXX   XXXX   XXXX  MY POLICE REPORT NUMBER IS  XXXX  FOR  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 non-monetary relief
Consumer complaint received 2017-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I told the customer service employee representative and I have been a VICTIM of their inquiry issue. I listed my inquiries that I would like to be deleted, and their customer service at Transunion would not help and take care of the negative inquiries reporting to your credit report. My inquiries are ;  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: KS

Complaint narrative:
MY MOTHER PAST AWAY  XXXX / XXXX / XXXX  FROM THAT DATE UNTIL  XXXX / XXXX / XXXX   DITECH  HAS REFUSED TO TALK TO ME BUT STILL SENDS BILL FOR MORTGAGE AND FOR INSURANCE THAT THEY BOUGHT IN MY NAME WITH OUT MY PREMISSION. I SENT ALL LEGAL DOUCUMENTS TO THEM BUT THEY KEPT COMMING UP WITH REASON OR ITEMS NOT REQUIRED BY THE STATE OF KANSAS TO NOT TALK WITH ME, WE WENT TO COURT AND BASICLY NOT HEARD. THE JUDGE KNEW THE LAWYER FOR THEM AND ALL THE LEAGLE DOUCUMENTS I PROVIED WERE NOT IN THE FINAL JUDGEMENT WHAT DID SATE THAT THESE WERE NOT PROVIDED BUT IF THE JUDGE WHO WAS THROWN THE CASE WOULD HAVE ACTUAL READ THEM HE WOULD HAVE SEEN THAT THE DOCUMENT WERE THERE. I FILED WITH THIS ORGANIZATION AND MADE A COMPLANT BACK IN  XXXX  THEY HAD DAYS TO RESPONED TO THE COMPAINT, ON  XXXX / XXXX / XXXX  I GOT A LETTER SAYING AGAIN WE HAVE NOT FILDED WITH THEM ANY DOUCMENTS SO THEY COULD NOT TALK TO ME OR MY ROOMMATE WHO HAS MY POWER OF ATTORNEY TO SPEAK FOR ME ( WE WERE BOTH LIVING IN THE HOME UNDER QUESTION ). I GOT A RESPONCE FORM THIS COMMISSION THAT ON  XXXX / XXXX / XXXX  THAT AFTER THEY REVIEWED THEY WERE NOW WILLING TO TALK TO  US . DURING THIS TIME THEY SOLD THE HOME. THE ONLY REASON THEY RESPONDED IS BECAUSE OF THIS COMMISSION AND THAT THEY LOST A CASE IN  XXXX  FOR DOING THE SAME THING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capitol one to ld me on Saturday  XXXX  at around  XXXX  eastern standard time they were going to update with the credit breaus early because need to be done for a mortgage approval and they did n't

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: GA

Complaint narrative:
To whom  it may c oncerns, I am writing regarding a few accounts that have been on my credit report with   XXXX    for more than 7 years. I have contacted  XXXX  many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but  XXXX  has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to  XXXX  and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against  XXXX  because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance. Here is the list of all the accounts :  XXXX   XXXX  : Account #  XXXX   XXXX   XXXX  : Account #  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX    XXXX   XXXX   XXXX   :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD   XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   ).     I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :   XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX  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