vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Approximately two ( 2 ) years ago I opened a Wells Fargo credit card. 

This card was primarily for the purpose of a balance transfer. 

After I paid off the entire balance, I requested that the account be closed. 

The account was always paid in a timely fashion, and my credit in general is excellent. 

I received a letter from Wells Fargo indicating that " ... we have closed your credit card account for the reasons listed below .... 

-- Total monthly payment ( s ) due for bankcard or line of credit account ( s ) on credit report is high -- -No wells fargo checking or savings account -- -Over six months Account inactivity From reading this letter any one would assume that wells fargo initiated the closing of the account due to the above reasons, some of which are negative. 

I do not want any negative statements regarding this closure, which I requested, to be listed on my credit card. 

The appearance is that Wells Fargo is " punishing '' me for closing my account. 

Conditions 1 and 2 existed when the account was approved and opened, and the account was inactive after it was initially opened for a period of approximately 18 months I guess that up until relatively recently # 2 would not have been true since they probably would have opened an account in my name without my permission I should have received a letter from them confirming that my request to close my account was approved, not a letter indicating that as some sort of review of my account it was being closed. 

I request and expect a written response from Wells Fargo explaining their actions in this matter and an explanation as to how they will rectify any negative entries on my credit card.

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 2017-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have written, and called Equifax about updating, and accurately reporting.Information pertaining to various accounts on credit report. 
1 ) As an authorized user on my husband s XXXX XXXX XXXX  XXXX card.That account is listed on my credit report. Equifax has the payment status as " Not more than two payments past due '' .That is inaccurate.I personally paid on XX/XX/XXXX. For the months of XX/XX/XXXX, and XX/XX/XXXX. 

A. ) Equifax has the credit utilization for this same account as 76 %. That also is inaccurate. 

B. ) Equifax for this same account has a high balance of {$260.00}, that also is inaccurate. 

2. ) XXXX/XXXX A. ) Equifax has my balance as $ XXXX.That is inaccurate. 

B. ) Equifax has my credit utilization at 57 % that also inaccurate. 

C. ) I contacted XXXX regarding my credit report through Equifax. Is not reflecting my payments, my score hasnt gone up Since XX/XX/XXXX.XXXX informed me that they submitted/updated to Equifax XX/XX/XXXX . I contacted Equifax, and was given no information.But wanted me to pay for my score. I informed the representative.Im not asking for my score. I have MyFico for that. Asking did XXXX in fact submit updated information regarding my account.Was told they couldnt tell me that information. 

3. ) XXXX XXXX A. ) Still showing balance as $ XX/XX/XXXX.That is inaccurate. 
B. ) On my 2-Year Payment History that do n't have a payment for XX/XX/XXXX or XX/XX/XXXX.In which payment was made on time for both months.Equifax reported my account was late right away for XX/XX/XXXX, and XX/XX/XXXX. But, they have yet to update XX/XX/XXXX, and XX/XX/XXXX ontime payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have spoken with experian and XXXX both and provided them with my bankruptcy shedules showing that XXXX was NEVER listed and was purposely omitted from my bankruptcy chapter XXXX. The status on the XXXX account should NOT state included in bankruptcy this account is also still currently OPEN it is NOT closed. It is just inactive because its not being used

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 2017-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
XXXX 2017 Recently my mortgage was transferred from XXXX XXXX to Specialized Loan Servicing ( SLS ). At the same time I have been refinancing my house with another lender. The following things have happened over the last month as my new lender has tried to payoff SLS : -No information available about loan details when I initially called to talk about details, escrow, etc. Data from XXXX XXXX loan had not been updated in SLS system yet. 
-Personal account info is not available online due to their online system having " being down ''. I continue to not be able to get details on my loan unless I call. 
-SLS claims to have paid my property taxes from my escrow, but payment has not been received by my county. 
-Due to non-payment of property tax, my county has  assessed me a penalty. I should n't be responsible for this. 
-My new lender sent in the payoff amount SLS gave them, but SLS claims the amount was less than the payoff. 
-SLS eventually dispersed a property tax payment, but for some reason made a DOUBLE payment out of my loan balance, which is the reason they are claiming my lender is short on the payoff amount. The amount short on payoff is exactly the same amount of my property taxes. My property tax payment is XXXX. But they paid XXXX. 

It seems that there is no accountability by SLS to me as a consumer. I had to argue with customer service telling them that they keep changing the payoff amount from the original quote. The lady told me that I had to pay the largest amount. I kept asking her why the payoff keeps getting higher. She could n't tell me until she looked closer at my account and discovered that SLS had accidentally made a DOUBLE property tax payment. 

I am absolutely upset with this company. My hands are tied because I ca n't access my online account to look at any details. They are keeping me in the dark! They keep increasing my payoff amount to my new lender, because they accidentally made a double payment. This is preventing my lender from paying off the account. I am being held 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 2017-12-08 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: CA

Complaint narrative:
I have sent several disputes to transunion for the following credit inquires on my credit report that were not authorized by myself as well as dispute letters and a police report for identity theft. I never hear back from transunion in a timely manner. I have already filed a dispute with you guys on behalf of transunion and still the issue is not resolved. I am listing the inquires that I did not authorize below thank you Inquiry Source Date of Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2017-12-08 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: DC

Complaint narrative:
I have several credit inquiries from multiple companies on XXXX XXXX, 2017. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did ( all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. 

TransUnion -XXXX XXXX and 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 2017-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
I had a collection from XXXX from 2 years ago that I paid in 2015 with the company. However, a new collection for the same amount was put on my credit report from a different collection company who is saying that i still owe the money. They wo n't accept any information that i have showing that it has been paid and say that they do n't care. I do n't want to pay the same collection twice especially when i disagreed with the amount the first time from the phone company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Repeated calls ... MANY calls, all recordings, for our son, saying he needs to call them regarding his loans. Identified as Navient. 1 ) Our son has no debt with them, 2 ) he has n't lived here for years, and would never have used our phone number for anything like this. 
When he called the number they left, they then identify themselves as a student loan consolidator. 
We want these calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XXXX XXXX,2017 I used online payment and paid credit card and used the wrong XXXX checking account ( which belongs to my ex husband not myself ) .by mistake. Within a few days received phone call from my ex husband informing me of the mistake. I immeadiately called Chase and asked them through their knowledge how to handle this transaction and reverse this payment back. Since no actual payment was due on the card at the time it was not a big issue the woman informed me and she would handle the problem. A few days later I looked at my account and noticed not only did she retiurn the pay payment but she reversed a second amount of {$300.00}. So Chase actually created 2 transactions out of the one transaction. Because of this they paid an extra {$300.00} to XXXX XXXX which is a mistake. Therefore they are charging this mistake to me and my account. I am not the reciver of the money on the other end and have asked for the return and they refuse to correct their mistake that I at no time approved. So not only did they protect themselves with the return, they paid an extra {$300.00} and charged it to me. I have spent over 7 hours on the phone being misled, yelled at and lied too. I finally got to the payments department where I asked could they please investigate the problem and get to the bottom of it and please give me my money back. I was yelled at and told no too bad and to XXXX it up. I would just have to pay for the mistake, it clearly is a mistake on someones part at the bank. And it is unfair that they charge me for the mistake..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
mortgage company will not take my payments stating payments were being made, I requested they take my normal payments as the payments were not made by me. The payments credited to my account pushed my payments to XX/XX/XXXX. As to date they still have not taken my payments, I have called and written several times, every month since the beginning of my loan in XX/XX/XXXX of this year. 

My credit report states differently and it now states I am over 60 days past due. I have not been able to make the company take my payments although they confirm my payment information and method. 

I have not been able to find an attorney to help me as I am deaf, they refuse to assist telling me to get an interpreter but that is before providing me a date or time to discuss the matter with them. ( I can only be contacted via email or text to my phone but I can make outgoing calls. ) I have 2 of the 4 due payments and requested the mortgage company to extend me 2 months to bring my account to date. 

Documentation can be provided.

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 2017-12-08 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was charged overpriced, the amount of {$940.00} by XXXX XXXX XXXX, California, XXXX, For service change oil, and check Engine light, ( service does n't cost More than {$120.00} ) My Chase Bank been sided to the Merchant, and overdraft my business checking account, until This minutes, and it is not willing To solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
XX/XX/XXXX/XX/XX/XXXX my mortgage payments were being delayed due to a changed of my income and household finance. I notified my mortgage company XXXX XXXX and asked if I could qualify for a hardship help. I received the papers in the mail and immediately faxed them back to the person who was assisting me XXXX XXXX XXXX. XXXX XXXX told me that my paperwork was submitted and that he would let me know what the outcome would be. I received a call around the end of XX/XX/XXXX, and I spoke to a XXXX XXXX XXXX, he explain to me that he is the new person on my case that will be helping me in my modification and that somehow XXXX XXXX has misplaced all of my documents. XXXX XXXX stated in order for me to be consider the committee said I must complete the documents over again, and so I did. So XX/XX/XXXX I faxed all the documents that was requested in to XXXX XXXX all that I did not faxed I email to him and was waiting on his response. A week later XX/XX/XXXX, XXXX XXXX stated that the documents were missing and some were expired, he also stated that I had a certain amount of days to get those documents in and I did. XX/XX/XXXX in the first week came and I received a call from XXXX XXXX and again he stated that he not yet to receive the documents that I faxed to him and my filed has been on hold because of this matter. By this time I am upset because I feel as if someone is not being truthful to me because I know I have sent the required documents several times and I am being brushed off. On XX/XX/XXXX, I received a call from XXXX XXXX XXXX and again the documents were not in, and most of them were expired, I were just shocked. So I expressed my concerned about this issue and said that " XXXX XXXX has a history of taking property from people that has problems making payments '', and I stated that I am going to talk to someone and get some help with the Better Business Bureau or the Federal Trade Commissioners office and when I made that statement XXXX XXXX became very upset with me and reassured me that this is not the issue. On XX/XX/XXXX, I received in the mail a notice that my home was being foreclosed and it was filed on XX/XX/XXXX. I felt as if the mortgage company did that because of my threat to report them of their unfair practice. I have enough equity to refinance or take a second loan out but I was not giving that option at all or consider that option at all. I have documents to back up the dates what was sent to each of the representatives that was fax and time, date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
Was denied on information from XXXX XXXX on XX/XX/XXXX. Information was sent to XXXX XXXX on XX/XX/XXXX. 

Calls for answers, credit report requests, and specific reasoning for given score ( XXXX ) have gone unansweredrobocall recommends leaving messages ( left two separate messages ). Far below and out of line with all other credit scores from independent providers. 

Intentionally opaque and against multiple aspects of the FCRA, including : Access to my Report Protected access to entitled parties Knowing when my Report is used against me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have send transunion several letters disputing inquiries that I did not authorize for the following companies. 1. XXXX XXXX XXXX-XX/XX/XXXX. 2. XXXX-XX/XX/XXXX. 3. XXXX/XXXX XXXX-XX/XX/XXXX 4. XXXX/XXXX-XX/XX/XXXX. 5. XXXX/XXXX-XX/XX/XXXX. The last letter I send certified with return receipt and they have ignored my letters and disputes. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and serious breech of my privacy rights. Transunion has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature. I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.

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 2017-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: MD

Complaint narrative:
I am being harassed by a debt collection company called Northstar Location Services LLC, looking for someone with the same name as me. My wife and I have verified that we are not the individual for which they are trying to collect a debt, yet we are harassed every day by this company. I spoke to an individual named XXXX XXXX tonight and he tried to tell me I owed money. I told him I was not who he was looking for and verified by year of birth. When I asked to speak to XXXX 's supervisor he hung up on me. I want this company to cease the harassment of my family. 

http : //www.thenorthstarcompanies.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
I have had a mortgage since XX/XX/XXXX with the same insurance company since then. The service company changed to LoanCare in the past 12-18 months while everything else remained stable. On XX/XX/XXXX my insurance was up for renewal and the new servicer did not pay the bill for home insurance despite calls from me to them. As a result my insurance was dropped and I was charged XXXX $ fee for lapse in coverage. My new insurance co. began XX/XX/XXXX.  Loancare denied any responsibility for the lapse in coverage and deducted the money from my escrow account. I believe they are responsible for the lapse and then they had the nerve to charge me for their mistake.

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 2017-12-08 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: DC

Complaint narrative:
I have contacted Transunion via telephone, and mail. Regarding missing information, accurately updating information, and promptly updating my report as soon as the creditors update Transunion. 

1. ) XXXX/XXXX A. ) Transunion has there last update for XXXX being XX/XX/XXXX. My 2-Year Payment history doesnt reflect that. 

B. ) Transunion has my Credit Utilization as 57 % that is inaccurate. 

C. ) Transunion has my balance as $ XXXX.That 's inaccurate its actually {$150.00}. 

D. ) My terms should be listed as revolving. 

2. ) XXXX XXXX XXXX XXXX A. ) I am an authorized user on my husbands card. Transunion has my credit utilization is 76 % that is inaccurate. 

B. ) Transunion has my balance as {$220.00}. That is inaccurate. 

3. ) XXXX XXXX A. ) Transunion has my last update as XX/XX/XXXX.I have paid on time for the months of XX/XX/XXXX,  and XX/XX/XXXX. My 2-Year Payment History also does n't reflect those on time payments. 

B. ) Transunion has my balance as {$1300.00}. Thats inaccurate it should be {$1200.00}.

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