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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I 've disputed this matter about inaccurate information on my credit report. I never had a contract with  XXXX   XXXX . Transunion removed this collection agency off my report {$4300.00} it was placed back on  XXXX / XXXX / 17 . I called Transunion about this, it went from open to closed collection. When added back it cause my score to drop  XXXX  points. I asked how this was verified they could n't give me a explanation.  XXXX   XXXX  ca n't give them prove because they never provided validation to me. Please check into this matter because it this information is incorrect. Its reporting on all my reports. Closed on Transunion and open on  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: 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: 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 repo rt 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: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My 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 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 — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am a   XXXX   XXXX   XXXX   XXXX   in  XXXX . I   XXXX   XXXX  , and usually the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .     When I deposit a check  at Wells Fargo, the y put a 7 day hold on the deposit, even though federal and state law require escrow accounts from  XXXX  and   XXXX   to be fully funded for any checks they write.     They use my money, for 7 days, and I have no access to it. They are committing a fraud, because if the money is there, is wire transferrable, and they wait 7 days -- it 's immoral, and should be illegal.     It should have to be available in  24 hours. We do n't live in the Middle A ges.     Thanks,  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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am filing this complaint because I feel li ke wells Fargo has cost me lots of money with my overdraft fees telling me I needed multiple accounts to manage my banking and now I am broke and owe credit card money visa I want help and an Audit on all the accounts that wells Fargo opened up under my  name I can give you all accounts that I have known about about that they opened up their might be more I really do n't know but my credit is  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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
The  XXXX  credit companies that are  XXXX ,  XXXX  and  XXXX   XXXX  are showing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but th e 2 credit companies have been of no help and Wells Fargo will not provide a letter that there was never a late  on the account, just this payment history that I am attaching below.

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: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 with  XXXX   XXXX   XXXX . ( At the time they were known as  XXXX   XXXX  )  XXXX   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 with  XXXX   XXXX . Once I attempted 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  XXXX   XXXX  Account.  XXXX   XXXX  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 from   XXXX   XXXX    Financial 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 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: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
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 with  XXXX   XXXX   XXXX . ( At the time they were known as  XXXX   XXXX  )  XXXX   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 with  XXXX   XXXX . Once I attempted 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  XXXX   XXXX  Account.  XXXX   XXXX  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 from     XXXX   XXXX   XXXX   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: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
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 with  XXXX   XXXX   XXXX . ( At the time they were known as  XXXX   XXXX  )  XXXX   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 with  XXXX   XXXX . Once I attempted 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  XXXX   XXXX  Account.  XXXX   XXXX  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 from   XXXX   XXXX   XXXX   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 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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Ive been a victim of major identity theft with having my personal information jeopardized in  XXXX  major data breaches, false credit reporting issues, fraudulent use of my SS #, fraudulent personal loan and mortgage fraud. That has become a servere tragedy in my life with losing my residential property, losing my employment, affecting my children and received a letter saying there information was stolen as well. As I have had to move into family members home and ca n't get any financial support to recover from all of this. I truly appreciate your feedback and help. 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 2017-04-28 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I   XXXX   from  XXXX   XXXX   XXXX   in   XXXX   XXXX  . I should 've had 6 months from  XXXX , which would 've been  XXXX   XXXX , before repayment on my student loans was expected. Before the 6 months, Navient, tried to collect on the loans. I called to get an income driven deferment. The gentleman I spoke to around  XXXX   XXXX  on the phone did the application. I qualified for an income deferment. I asked for a year deferment, which according to the Department of Education when I spoke to them, I should 've been given. The man from Navient who did my application refused to give me a year, he would only give me 6 months even though I asked multiple times for a year. He also gave me false information regarding the deferment process and said that I could only defer my loans once which is a lie. I was forced into taking a 6 month deferment. Which when speaking with  Navient  on    XXXX   XXXX   XXXX   XXXX  , he gave me an income deferment, he gave me a 6 month forbearance. 6 months from the t ime my loans were " deferred '' would 've been until  XXXX .  Navient  would 've been able to start collecting on my loans in  XXXX   XXXX  which is when I called in next. When I called in next I was told that my loans were in default, some were 30 days past due and some were 80 days past due. I said, " if I deferred all of my loans they would 've been deferred at the same time which would mean that they 'd have the same dates due. '' Navient could n't explain how there was a difference in my " past due '' time frames. They would n't help me get my deferment issue figured out, and I was hung up on. Navient has given me false information, forced me into deferments that I did n't want, calculated interest when none should 've been calculated, and have tried to collect on my student loans when legally they had no grounds to. To add, navient has not only done the above but has reported me delinquent to credit agencies destroying my credit when they have given me false information and tried to collect when they should n't have and legally were n't able to do so. They have also called my phone when I specifically gave them information NOT to call and gave very specific terms on how to get ahold of me via text.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
i had signed up for   XXXX   XXXX   but i never completed or attended any of the classes. now they are charging with {$1600.00} at that they changed the open date to  XXXX   XXXX   XXXX  i signed up for   XXXX   XXXX   in  XXXX

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The  XXXX  credit companies that are  XXXX ,  XXXX  and  Trans Union are sh owing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but the  XXXX  credit companies have been of no help and  XXXX   XXXX  will not provide a letter that there was never a late on the account, just this payment history that I am attaching below.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The  XXXX  credit companies that are  XXXX , Equifax and  XXXX   XXXX  are showing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but the  XXXX  credit companies have been of no help and  XXXX   XXXX  will not provide a letter that there was never a late on the account, just this payment history that I am attaching below.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The  XXXX  credit companies that are Experian,  XXXX  and  XXXX   XXXX  are showing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but the  XXXX  credit companies have been of no help and  XXXX   XXXX  will not provide a letter that there was never a late on the account, just this payment history that I am attaching below.

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 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Ive been a victim of major identity theft with having my personal information jeopardized in 4 major data breaches, false credit reporting issues, fraudulent use of my SS #, fraudulent personal loan and mortgage fraud. That has become a servere tragedy in my life with losing my residential property, losing my employment, affecting my children and received a letter saying there information was stolen as well. As I have had to move into family members home and ca n't get any financial support to recover from all of this. I truly appreciate your feedback and help. 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 2017-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Caliber Home  Loans will not pay our property taxes. They were due  XXXX   XXXX , the taxes were n't paid. Then we got another bill for another due date of  XXXX   XXXX  with a fee tacked on. They still wont pay it. I have called and emailed. Nothing. The said they will send the money in  10  business days, but they did n't. Then they said they will send it in 5 business days.  Caliber Home Loans i s a joke. I would n't get a loan through them. As soon as we have money to refinance and get away from the company, we will.

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: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There was a glitch in the system. These inquires were added back to my 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