vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I had a charge on my XXXX XXXX card from a vendor I was unaware of. I may have approved charges in the past but I did not approve the vendor to post the charge in question on this card. 

All of my Barclay cards were set to auto pay except this card which was rarely used. A subsequent late fee, interest charge was placed on the account. I called and spoke to a rep who understood the situation as I was overseas at the time this happened. The rep from Barclay told me the following would be done : late fee removed, interest removed and any notation on my credit report that I was late or delinquent with any payments. The rep advised me that this would be cleared by early XXXX My credit report still shows the delinquent late payment. I called on XXXX and spoke to operator LASTME ( Escalation agent ) who was not cooperative. He stated that he would not remove the late fee notation on my account.

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 2017-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Today, XXXX XXXX, 2017, I logged onto my checking account from my home computer and viewed my transactions. I wanted to print out the front and back of a particular check for my records. This did not work. I went to their FAQs and there was no answer there for my problem. After 10 minutes on the phone with their automated telephone system for handling online checking issues which had no telephone menu item related to my question and which put me on extensive hold, I called the branch office I use. 
They told me that I have to come in physically to a branch and have the check printed out there. This is outrageous. I am XXXX and not able to drive today. It used to be the law that banks had to send the customer the canceled check with his/her statement each month. Then the procedure ( law? ) changed and banks did not send the canceled checks but told the customer to go online to their statement and print out the canceled checks from there. Now Wells Fargo is refusing to do let me print out the canceled checks for my record and they are not sending me the canceled checks either. This is interfering with and delaying the customer 's ability to have accurate records. I would not be able to go to court to prove what happened with a particular check or show a merchant.

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 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely concerned about Equifax 's massive failure to safeguard my personal information. In addition, the entire system of credit reporting and security in this country needs to be overhauled. It is ridiculous that I have to pay a {$10.00} fee to freeze and unfreeze each one of my credit reports. What 's more, these credit bureaus do n't even consider me a customer. They should charge the potential lenders the fee, not me. If you made this simple change to the laws, then this would cut down on 99 % of the identity theft. Currently, it does n't cost the thieves anything to make unlimited attempts to steal my identity. But if they were forced to pay {$20.00} to attempt to access a credit report, it would cut down that activity significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted Experian twice, once in XX/XX/XXXX and XX/XX/XXXX. On my credit report it still showing that I owe {$950.00} to XXXX XXXX, XXXX/XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX, ( XXXX ) which is a debt collector for XXXX. XXXX has reported to the three credit agencies that I owe {$950.00}. I appeared in court three times with my supporting documentation proving the bill was paid. I also sent the supporting documentation from my bank listing every payment that was made to XXXX XXXX XXXX, XXXX. I submitted my supporting documentation from my financial institution to both XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. Each time I appeared in court, XXXX and XXXX, XXXX XXXX XXXX, XXXX, Illinois for XXXX XXXX did not know any information about my case, but still made me appear in court three times. On XX/XX/XXXX, the Circuit Court for the 19th Judicial Circuit in XXXX County dismissed my case. The judge, XXXX XXXX dismissed my case and reimbursed me my court fees of {$130.00} by XXXX and XXXX. But the credit reporting agencies still shows that I owe {$950.00}. Also, I filed disputes with all three credit agencies. Two of them removed them, but Experian has not. Experian has sent me information in XX/XX/XXXX and XX/XX/XXXX that their investigation is compete and has not removed this from my credit report, but have not given me any documentation that proves that the investigation is complete. My case number from the court in XXXX County Illinois is XXXX XXXX XXXX filed XX/XX/XXXX. The original amount of the purchase was {$100.00} on XX/XX/XXXX to XXXX XXXX, but the bill was paid for {$950.00} and was paid in full. I would like to file a complaint against Experian, XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX and XXXX, XXXX XXXX XXXX, XXXX, Illinois.

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 2017-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: C&F MORTGAGE CORPORATION
State: VA

Complaint narrative:
C & F Mortgage Corporation and/or XXXX and XXXX XXXX XXXX XXXX, Virginia including all of its officers, employees, agents, assignees, and successors in interest of such loan and/or property deeded to and/or titled to XXXX and XXXX XXXX ( " XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX '' ) husband and wife as representation of one or more deeds and property of heirship and ownership have been subject to discriminatory conduct since approximately XX/XX/XXXX or thereafter under the names of XXXX and XXXX XXXX and prior under the ownership of XXXX XXXX family. ( 1 ) In the year of XX/XX/XXXX, the officer/employee that transferred XXXX XXXX XXXX XXXX property in the approximate year of XX/XX/XXXX-XX/XX/XXXX and thereafter on the " XXXX XXXX '' XXXX XXXX XXXX, XXXX XXXX, Virginia under the contracted name of XXXX XXXX XXXX and under the current name XXXX XXXX XXXX failed to notify or provide copies of this consent order, failed to properly identify appropriate parties ( heirs ) and/or failed to obtain proper signatures for a " release '' in this matter. The XXXX XXXX XXXX XXXX Descendant 's hereby certify by Champion Member, XXXX XXXX XXXX ( granddaughter ) that a release is DENIED. ( 2 ) There is no evidence of such training for the officer/employee referred to and/or identified in documents as obtaining consent or for committing such act. ( 3 ) The release is insufficient as it pertains to the history, legacy, and value of such estate ( s ) of XXXX XXXX XXXX XXXX as well as the heirship ( s ) of the XXXX XXXX XXXX XXXX Descendant 's. Therefore, the XXXX XXXX XXXX XXXX Descendant 's hereby declare that C & F Mortgage Corporation and XXXX and XXXX XXXX XXXX XXXX, Virginia as well as their past or present officers, employees, agents, partners, subsidiaries, representatives, assignees, and successors remain liable for ALL claims. and ( 4 ) The XXXX XXXX XXXX XXXX Descendant 's were not provided access to copies of the consent order entered by the Court in the United States v. C & F Mortgage Corporation and hereby provide further notice that there will not be a release to C & F Mortgage Corporation for the estate ( s ) of XXXX XXXX XXXX XXXX, husband and wife and/or XXXX XXXX XXXX XXXX Descendants. The descendant XXXX XXXX XXXX is a resident in XXXX & XXXX County, however, the response in the prior closed complaint by C & F does not reference that action taken against XXXX XXXX XXXX or her property by officers, employees, successors, etc. of C & F or the XXXX XXXX heir property belonging to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Credit Inquiries were made on all three credit bureaus without my authorization I would like this removed asap as this incorrect and affecting my chances of obtaining a home with a decent rate.

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 2017-09-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
XXXX/XXXX/XXXX We agreed to purchase a wall furnace from Terrys Heating and XXXX, XXXX XXXX, Idaho. They stated we could have a contract for 60 months and the lender would be Wells Fargo Bank. We stated we did not like Wells Fargo, but they stated they were the only bank setup to carry their contracts. We filled out a credit app and was approved for the contract in the amount of {$3200.00} which included a {$1000.00} down payment. The contract states a 9.9 % interest rate with XXXX equal payments {$61.00}. We were sent a credit card from Wells Fargo that XXXX XXXX Projects, Terrys Heating and AC which they stated just ignore. We began payments of {$61.00} in XXXX XXXX and have made XXXX payments. Wells Fargo Financial XXXX. XXXX XXXX, XXXX Texas XXXX accepted the first XXXX payments without a problem. However, in XXXX they began charging an extra fee. A late fee of {$27.00} and interest of {$26.00}. The check was mailed the XXXX of the month and not posted until after the due date of the XXXX. They asked for a payment of {$88.00}. We sent our {$61.00} payment as due by contract. In XXXX we were billed another late fee of {$38.00} and interest of {$26.00} and a payment of {$120.00}. Our check was posted on the XXXX After calling them there was no resolution. They stated they had no control over the posting date or the mail. They refused to remove the fees. It is apparent they have converted the contract into a credit card account which we did not agree to. Our balance right now is {$3100.00} nearly the same amount we began with. These fees were posted fraudulently and not agreed to. It appears they plan on adding fees every month and ignoring our original contract. We are angry that the account is now a credit card account which we did not agree to and at the current rate it will clearly not payoff in 60 months. We went to our bank today and got a personal loan and paid off the balance of {$3100.00}. We have a higher interest rate and a higher payment but atleast we know we are secure in the amount and the timely payoff. We have copies of the contract, the card and the statements Wells Fargo has sent. We will send them to you when requested. We do not want private information posted on this site.

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 2017-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Case Law Firm, S.C.
State: WI

Complaint narrative:
Collector is blocking the phone number that they are calling from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello, I 've been on a repayment plan with Navient for my private student loans for over 2 years. In XXXX, I lost my job and since XXXX, I have n't been able to pay my loan. 

Navient has refused to work with me regarding my unemployment status. During a conversation with them in XXXX, they told me there was nothing they could do as my account had used up all of my 24 months of forbearance. Then in XXXX, again they told me to pay them over {$1000.00} in my past due payment or risk being kicked out of my repayment status. 

Then just last week, in XXXX, they reported me to the credit bureaus for 3 months of nonpayment (! ) Wrecking my excellent XXXX XXXX and again, repeated the ridiculous notion of paying them over {$1000.00} in payments ... WHEN I HAVE NO INCOME! 

I do n't know if they 're purposefully being negligent, trying to force me to default, but I have to assume they are handling this account with some sort of violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
wehave contacted on 3 occasions; XX/XX/XXXX,XX/XX/XXXX, and ,XX/XX/XXXX(certified letter) of XX/XX/XXXX sent corrections in for fraudulent debt to equifax(XXXX XXXX, and XXXX have cleared these debtsand have provided reports when requested)) . i have requested updated complete credit reports, but they have refused to send the updated reports so we would know what to fix next. all we got was a 1 page letter with acknowledgement of contestation with notation stated either deleting debt, or investigating debt but it dosen't state which debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This debt older than 7 years and should be removed from my credit report. I contacted them to inform them, however, they have not removed it. The debt was charged off in XXXX of XXXX -- more than 7 years ago now. They had closed off the account long before this date. 

They claim there was activity on the account in XXXX. This would be impossible since they charged it off in 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 2017-09-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I had filed bankruptcy to stop a foreclosure and filed in RI as it was closer than Ma and I had a damaged shoulder and neck and could't get a ride to XXXX, the stay was not accepted due to many filings allegedly and after an emergency filing with the court and the court granting the stay the attorney XXXX XXXX of XXXX XXXX XXXX XXXX refused to take the sale date down or remove the sale date, in edition a person who owns the home with me filed bankruptcy and he will not recognize his stay either. He said he is foreclosing and that is final! The judge scheduled a hearing on my emergency motion and he showed up after dropping paperwork off to my house the night before he claims he served me and he did n't my hearing was for my filing not his motion to be relived from the stay. He also asked the judge to make a decision on people living in my home without their being there to answer for themselves. He crossed the line and taking this personally.I want my stay recognized for what it 's worth as the judge stated he ca n't set a date until my appeal process is over and he XXXX states he will leave it and when appeal is over and I loose he will take my house. The is bad behavior on this attorney 's part and I am not taking this any longer.XXXX also states he delivered the paperwork to me before XXXX XXXX on X/XX/2017 and he is not telling the truth it was n't till almost XXXX XXXX that the paperwork was delivered. Also he put the foreclosure in my common law husbands name and he filed bankruptcy and owns the house and XXXX XXXX states he does n't have to recognize the stay. He is playing god with peoples lives and may even want the property as I ca n't understand why he is taking a person stance in my foreclosure. My house is nice and a lot of people want it but I built it and put down 250 K plus on my home the pick a payment loan just got to be too much. I was in the middle of a work out option I also stated the 2nd mortgage was paid in full and their is no 3rd mtg and XXXX stated to the judge that he know it to be fact that I do have a 2nd and a 3rd mortgage and why try to stop the foreclosure when I owe so much, but I worked very hard to pay off both the 2nd work out a payment plan on the 3rd and when the bankruptcy goes thru the balance to be wiped out and it 's not much XXXX XXXX. He painted a picture that was n't true. I am a single mom with XXXX boys and XXXX babies that live in my home along with an XXXXyr old man and I want to fight for what is right.

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 2017-09-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
My interest is being manipulated, I am being charged HIGH fees, I have screen shots to show my statements not being available to reflect the correct balances. I would like someone to look into the possibility of fraud. I have already expressed my concern to the company.

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 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am extremely concerned about XXXX's massive failure to safeguard my personal information. In addition, the entire system of credit reporting and security in this country needs to be overhauled. It is ridiculous that I have to pay a $XXXX fee to freeze and unfreeze each one of my credit reports. What's more, these credit bureaus don't even consider me a customer. They should charge the potential lenders the fee, not me. If you made this simple change to the laws, then this would cut down on 99% of the identity theft. Currently, it doesn't cost the thieves anything to make unlimited attempts to steal my identity. But if they were forced to pay $XXXX to attempt to access a credit report, it would cut down that activity significantly.

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 2017-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
WE, COMPLETED AN IN-HOUSE TRIAL PERIOD PLAN FOR 6 MONTHS OF {$4900.00} PER MONTH, TOTAL POSTED CHECKS BY FAY {$29000.00} WHICH FAY HAS NOT CURRENTLY APPLIED PAYMENTS TO OUR CURRENT MORTGAGE, FAY HAS ADDED {$100000.00} EXCESSIVE FEES TO THE MORTGAGE PRINCIPAL WHILE I WAS STILL IN BANKRUPTCY IN XXXX. 

FAY OFFERED ON XXXX/XXXX/XXXX AN PERMANET LOAN MODIFICATION OF {$5000.00} FOR A SHORT TERM 20 YEAR FIX WITH AN BALLOON PAYMENT OF {$16000.00} TO BE PAID IN FULL XXXX ON MATURE DATE. 

THIS MODIFICATION IS NOT AN AFFORDABLE MONTHLY PAYMENT FOR 20 YEARS, THIS MODIFICATION WILL FORCE ME A DEFAULT ON LOAN FOR MY HOME TO BE FORECLOSED FOR AN TRUSTEE SALE. 

FAY SERVICING ; STRATIGIES ARE TO DENIE MODIFICATION APPLICATIONS TO GENERATE, EXCESSIVE DOLLARS TO YOUR LOAN, TO MAKE IT IMPOSSIBLE TO SAVE YOUR HOME. 

I, BELIEVE ; FAY SERVICING IS IN VIOLATIONS OF " MORTGAGE FRAUD ''

Company response to consumer: Closed with explanation