vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-28 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: CT

Complaint narrative:
I am writing this complaint due to the lack of communication on the construction loan XXXX that I had with XXXX XXXX XXXX. Our commercial loan officer was XXXX XXXX XXXX we meet with him at the bank about the loan in XXXX CT. We closed on the construction loan inXX/XX/XXXXfor a 1 year construction loan with 2 6  month extension if needed. We started construction and everything was going fine. We had know problem making the loan payment because they came out of the checking with XXXX XXXX XXXX   automatic. Due to changes in construction and weather we had come to the anniversary date on the construction loan and need the extension for 6 months. We reach out to XXXX XXXX early in the process to get it done so there was know problem with the loan. We than go the paperwork in the mail showing amount due on XX/XX/XXXXXXXX we were not done with the house. We reached out to XXXX XXXX about it and he said they were working on it. He would get back to us with something by the end of the week. We reach out again he said that they would have it done by early next week not to worry about it. We got the paperwork work late from them and than they put a late payment on my credit. We called XXXX XXXX about it and he said that should have not happen and he would take care of it for us. We tried and tried to get this fixed with him and XXXX XXXX also from XXXX XXXXXX/XX/XXXX she was our mortgage officer for the end of the loan when it was to go to a first mortgage on the property. We reach out to XXXX XXXX again after we closed on the mortgage to get this fixed he than at that time said to us that they can not fix it because they have an A rating an it would not look good for them. I said over and over to him you said not to worry about it you would fix it. He reply sorry he can not fixed it. I can not believe that after all this that was his comment to us. Not good business practice. Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28 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: MS

Complaint narrative:
Several letters were sent to XXXX XXXX XXXX for validation of account beginning in XX/XX/2018. The company sent a summary of account from the previous creditor but the items required for validation per law were never sent. After sending the second letter, XXXX stated they were uncertain of what the dispute was and asked for a written explanation and documentation regarding the dispute. As of today, I'm still receiving phone calls regarding this account and have yet to receive validation.

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 2019-02-28 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Several letters were sent to XXXX XXXX XXXX for validation of account beginning in XX/XX/2018. The company sent a summary of account from the previous creditor but the items required for validation per law were never sent. After sending the second letter, XXXX stated they were uncertain of what the dispute was and asked for a written explanation and documentation regarding the dispute. As of today, I'm still receiving phone calls regarding this account and have yet to receive validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I had spoke with them months ago telling them I moved out of that property in XX/XX/XXXX. I do not live there, I am not the owner, I should not be paying anything. I also filed bankruptcy in XX/XX/XXXX and they are included in the bankruptcy. However, this was not my debt from the get-go so they should be trying to collect it from the current renters of the property.

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 2019-02-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
I received a check from my insurance company to repair the storm damage from hurricane Michael. I received the check in XXXX I had already started the repairs and cleanup. I have paid out of my pocket knowing the check was coming. After sending the check to the loss department 3 times for various reasons to get it endorsed. They send me a list of paperwork that I had to get all contractors to fill out including XXXX who was one of my contractors to replace the roof. The contractors thought I was nuts said they had never had to do any of this and would have to run it thru their legal department. Well all this time it just keeps adding hardship to me. Now all the repairs except the roof have been completed the roof within the next week or two. I sent contracts for the repairs such as the roof I have called various people in the " loss '' department trying to explain the situation which they do not care they will not release any of the funds. I have talked to the supervisor with no results. They are costing me money by holding onto my insurance funds. I have created debts that I have to pay interest on for the repairs and contracts for the repairs to my home. The last time I called they said they have decided that they were not going to allow homeowners to do any of the repairs. I do not understand how they have the right to tell me what or how the repairs get done, they are welcome to inspect to see that the repairs are complete. This is just another hardship on my family. I have paid day labor for people to help with the cleanup and debris removal other repairs waiting to be completed can not be completed until they release the money. I have never missed a payment. but with all the money I am having to spend for repairs I may have to.

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 2019-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was forced to sign more loans with out any information about why I had to sign. Was told in would not graduate if I did not sign and I was not able to go back to class.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am seeing a debt on my credit reports XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services I had no idea who this agency was, nor was I aware of said collector until I applied for a vehicle loan I had never had any communication with them in the form of email, regular mail and or phone call regarding this debt of {$2300.00} Upon our Lawyers advice we wrote to this Agency asking for verification of said debt The letter was very precise and specifically asking for the following ; to provide any and all competent evidence that I have any legal obligation to pay them Specifying that I had no contract with this Agency for said debt I wrote this letter in XXXX of 2018 and sent it Certified Return Receipt Requested After a little over a week I received the confirmation from XXXX that they signed and received my request for validation letter ( signed return receipt was delivered to me ) As of this date I have still not received any validation from this Agency nothing that legally validates any obligation or contract to pay this Agency - no proof of any correspondence with this Agency I have not received any correspondence and/or phone calls I have never spoken with any individual from XXXX / XXXX Resurgent Capital Services They are still reporting to all 3 credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo bait and switch scam. 

They offer a {$400.00} checking bonus on their website XXXX XXXX   XXXX And then are declining customers with perfectly good credit. They declined me and sent me a deceptive email requesting that I can not open the account online, yet IMPLY that I can still get the {$400.00} bonus by simply presenting identification inside a branch. 

***The branch has no ability to complete the process that was offered by the Wells Fargo Online Department XXXX That is clearly deceptive. XXXX The branch then attempts to call the online department for verification. The online department redirects the branch to call the sales department, and the sales department redirects the branch to call the online department in circular fashion so the issue never gets resolved! 

This is a bait and switch because when you apply, you will automatically be decline after 24 hours no matter what you do. They deceptively told me to " unfreeze '' all my credit bureaus, and after doing so I still got declined! I have perfect credit and they simply want me to open an Everyday Checking account with no bonus in the branch, after initially attracting me with a {$400.00} offer online that they have no intention of fulfilling.

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 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have made several attempts to get Experian to remove incorrect info on my report. I have been told that the dispute was verified by a 3rd party vendor but won't disclose who the vendor is. When I asked why they first told me they don't have to supply that information, the other response I got was it is a security risk. I am not sure how I am suppose to have something removed from my credit without being able to speak with the 3rd party vendor. I did XXXX who Experian uses for public record verification and found XXXX XXXX. I reached out to them and sent me a copy of my public records report which shows to bankruptcy 's on the report. Experian is violating the consumer credit protection act which states the following " If requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

My second issue is I have a charge write off being reported from XXXX XXXX which is also incorrect. I have supplied documents that the account was paid when the bill was due. They claim the company has verified the claim but yet they have stated they were never sent proof from Experian.

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 2019-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Re : Wells Fargo On XX/XX/2019 I paid {$80000.00} off the back of my mortgage. The receipt I received said it would post that day which it did not. Today I noticed that they took out next month 's mortgage payment, which I had already paid with an additional {$12.00} off the back and did not apply {$580.00} to the back as they were supposed to. They have admitted their error and said it would not be fixed until Monday XX/XX/2019. I asked that they get this done today with the same click in which they took money from my account without authorization. They are not allowed to take money from this account as I pay it myself. This is the same bank that opened a loan in our names without permission years ago.

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 2019-02-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing the complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are requested to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 
Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28 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: Security Credit Services, LLC
State: MO

Complaint narrative:
I purchased a vehicle in XX/XX/XXXX from a car lot and less than a year later my loan was sold without my knowledge to another company. I have never signed papers with this company and had no knowledge of the sale until they called me saying I was delinquent. I also had never had the title to the vehicle in question as the original car lot requested that it be sent back to them. So I requested an address and payment information as well as the title from the new company and started making payments. I never did receive the title. Later in XX/XX/XXXX the vehicle in question was stolen. I filed a police report and called XXXX XXXX XXXX to inform them. I also advised them that I would continue working with police to find the vehicle but after it was located I would be doing a voluntary repossession to give them the vehicle back. The vehicle was found in XX/XX/XXXX and I was notified. I retrieved my belongings from the vehicle and called XXXX XXXX XXXX to retrieve their vehicle. I was then called two days later from the tow company that the car was indeed retrieved by XXXX XXXX XXXX. Almost two years later XXXX XXXX XXXX reported the vehicle to collections in the amount of {$5500.00}. I fought this account as non accurate and it was removed from my credit. On XX/XX/XXXX another collection named Security Credit Services showed up on my report for the same vehicle. I contacted the collection agency denying the debt and asked for all information about the original collector. All the collection agency would tell me was that it was from XXXX XXXX XXXX and it was over the Cobalt in question. Not only is it on the same vehicle that I do not have possession of, and haven't for many years, but the collection agency has 're aged ' the debt to reflect original debt from XX/XX/XXXX. This is inaccurate and I believe this is in violation of the Fair Credit Reporting Act. I ask that this account be immediately purged from my credit as well as the collection agency flagged. 
Security Credit Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Acct number : XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I have also forwarded a copy of the police report to the collection agency as proof that the information is incorrect as well as the case number for the criminal that pled guilty to the theft, was convicted, and is now in DOC for said theft. 
I have not been able to get into contact with the original debtor due to no listing for their business anymore. I have not found an address, phone number, email, fax, nor a matching name while trying to get into contact with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am enrolled in the federal debt relief program and one of my creditors, Citi Cards sent me a notice that my payment was not received on time. Prior to enrolling in the program, i contacted all of my creditors to try and change my payment due dates and all agreed accept Citi. I then received the above mentioned notice and the letter is very threatening, advising that they will deny participation in the program if late payment continues and require full payment of the entire balance due. I contacted the number on the letter and spent over an hour trying to accomplish what the letter asked me to do. My requests to change the due date with a live representative were repeatedly denied, and each time the representative explained they were not the correct department. At the 4th representative named XXXX, ID number XXXX, I asked her to document the file that I have called this morning, spoken to 4 different people who denied my request to change the due date and each transferred me. I asked her to repeat the notes she entered into the file and she just put me on hold which I am currently on while typing out this complaint. While typing this complaint a new representative named XXXX answered the call and I went through the story for the 5th time and he yet again told me he wasn't the correct department and had to transfer me. At this stage, I decided I could no longer waste my time trying to do the right thing.

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 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I applied for Sears Store Credit card at XXXX or XXXX of 2017. 

I never get their credit card or any of their balance statements to my mail address. 

During XXXX, XXXX and XXXX of 2017, I controlled my card balances at their store with my SSN, if there is any balance, I paid. 

I went overseas, when I turned back to US and I was sure that there should not be any balance, but when I checked Sears balances, there was XXXX USD or so. These were 60 days late. I paid down all the balance. 

I have no idea how this balance happened, it may be either someone got the Credit Card from my mailbox instead of me or Sears charged some kind of monthly fee, that I have no idea.

The 60 days late payment for this small amount is seen as " Serious Delinquency '' in my credit scores and affects my life very badly.

If I had any chance to get their credit card, I would know the card number and register their online system to eliminate it, but I never got that card.

I reached Sears about the issue multiple times, they refused to give me my card number by phone, they refused to delete late payment from my credit reports.

Once they told me that they can send my statement to my mail address, so I would have a chance to learn my card number, but that statement never reach to me also. I closed my account with them.

Several times I tried to dispute for that late payment, but they refuse to delete it on my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I call Home Depot to make a payment of XXXX dollars the machine malfunction and said the amount of XXXX cents..I said no XXXX dollars, I called customer service to stop payment they couldn't stop it, then I called my bank but Home Depot had an already took my payment. I filed a claim to receive my refund but they told me that I had to wait for my refund..I 'm on a fixed income and they took every dime out of my account, I could not pay my bills for the month of XXXX because I have no money to pay my.bills. I spoke with someone at Citi Bank and was told I have to wait until XX/XX/XXXX to receive my refund.. Home Depot is a big corporation.why should I have to wait so long..I received a letter 2 weeks ago telling me that I'll receive a refund of XXXX cents, that's minus XXXX, still no refund.

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