vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
ISSUE : Seeking assistance in our complaint with Wells Fargo Home Mortgage in not releasing a Deed of Trust in a timely manner ( 15 plus Days ). Holding up Real-Estate closing with potential losing contract causing undo hardship to myself and our contracted buyer in not providing documents within the contracted widow. 

BACKGROUND : I am currently in the process of closing in the Real-estate sale of my property address of XXXX XXXX XXXX, XXXX, VA XXXX inherited from my brother. His initial mortgage from XX/XX/XXXX in the amount of {$64000.00} was with XXXX XXXX XXXX XXXX, which was acquired by Wells Fargo in XX/XX/XXXX. The loan was refinanced under XXXX XXXX XXXX XXXX in or around XX/XX/XXXX, which it appears a Deed of Trust was not filed with Deed, in acquisition Wells Fargo assumed responsibility for any errors conducted by XXXX in non-compliance with VA XXXX, Paragraph 9. In communication with our Closing Real-Estate Attorneys office Wells Fargo stated they have to research the unreleased deed of trust with a turnaround time for a response of 15 days and then they have to prepare the actual release. The initial closing date was XX/XX/XXXX, per the contract now closing must be completed by XX/XX/XXXX ( 10 days from base closing date of XX/XX/XXXX ). We feel this is an inordinate amount of time to process this action being all document/account history is in-house to Wells Fargo.

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 2018-05-16 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: Diversified Consultants, Inc.
State: LA

Complaint narrative:
I don't recognize the company XXXX XXXX XXXX date reported XX/XX/XXXX for the amount of XXXX. 
Diversified Consultant is saying owe the same amount as XXXX.. I don ; t agree  with these action and believe it needs futher investigation. 
dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of the amount show XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 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: GA

Complaint narrative:
Letters sent out to rectify issues on my report 60 days ago having in no results for multiple accounts. 
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 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
In XXXX of XXXX XXXX XXXX XXXX XXXX ( XXXX ) obtained my new cell phone number from my ( XXXX ) credit report. Shortly after XXXX obtained my new mobile telephone number, XXXX added the cellphone number to the company 's autodialing system and repeatedly robodialed my cellphone for months without proper consent. 

I was harassed by XXXX XXXX XXXX XXXX  and I did not consent to receive robocalls on my cellular phone. I did not consent to be contacted on my telephone, and my wireless telephone number was not provided at the time of the transaction that resulted in the debt at issue. 

On XX/XX/XXXX, I requested that XXXX provide proof that I consented to receive robocalls on my cellphone. I disputed XXXX right to contact me on my cellular phone and made several requests for XXXX to reveal the telephone number originally provided by the creditor. 

I am aware that XXXX XXXX XXXX XXXX violated the Telephone Consumer Protection Act ( TCPA ), and I hope the CFPB will look into the matter. I have asked XXXX to provide proof of consent and XXXX has ignored both of my certified letters. I have provided XXXX with phone records and proof of their credit inquiry, yet XXXX has chosen to ignore my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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 — Investigation took more than 30 days
Company: FIRST HERITAGE CREDIT LLC
State: MS

Complaint narrative:
On XX/XX/2018 I received a call from 1st heritage asking if I wanted to take out another loan. I told the representative no if it was going to report as an hard inquiry, she said no its going to report as a soft inquiry its not going to effect your credit at all. I had been receiving calls during the previous weeks as well and I was declining the offer. So after the call was done I had an alert saying that it was a hard inquiry on my report. I contacted the company explaining that it was a hard inquiry instead of a soft likebshe inquired. I spoke with the manager XXXX because she overheard the whole conversation where the representative said it would be a soft inquiry. I have been waiting since XX/XX/XXXX the day it occurred for the issue to be fixed and it still hasnt been removed. I followed up on XX/XX/2018 to see how the process was going cause I hadnt heard from the company in weeks. I was just contacted by the company this morning XX/XX/2018 telling me to dispute it but the information I was giving was wrong. I contacted transunion I was told to get a letter of deletion from the company. I contacted the company to let them know exactly what I was told about the letter of deletion. I just want the hard inquiry removed because I was given false information from the representative and not only did she tell me wrong information the manager heard her as well. I dont understood how this process hasnt been resolved if she heard exactly what the representative told me. Please remove this hard inquiry from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 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: First Associates Loan Servicing LLC
State: UT

Complaint narrative:
XXXX XXXX was closed do to fraud. I was able to receive a debt discharge for my student loans based upon their actions. I now have a 3rd party collection company trying to collect on this discharged debt. They are also currently reporting late payments on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: AFNI INC.
State: LA

Complaint narrative:
I don't recognize the company AFNI , Inc. date reported XX/XX/XXXX for the amount of XXXX. 
XXXX XXXX is saying owe the same amount as XXXX.. I don ; t agree with these action and believe it needs futher investigation. 
dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of the amount show XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
Recived a notice that our monthly payment will be going up with not explanation. When we called they informed me that my Home insurance and Taxes went up dated back to XXXX, 5 months later is when that increase my payment and asking for me to pay the overage sinceXX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I made two purchases in XX/XX/2017 that fell under a promotion that Navy Federal Credit Union was running that advertised 0.0 % APR for 6 months on purchases of $ XXXX and 12 months on purchases over {$1000.00}. Since that time, I have made payments on the account that covered the purchases made that period with no balance forwarded other than the promotional purchases, otherwise referred to as the revolving balance by other credit card companies. Navy Federal Credit Union VISA is stating that because I didn't bay the statement balance ( purchases + promotional balance ) in full, I am subject to interest on the average daily balance minus the promotional 0 % APR amount.

VISA has " duped '' the customer by advertising a 0 % APR promotion and then charging interest on the average daily balance of the account when that promotional balance hasn't been paid in full because they are including it in the statement balance. 

I called the Customer Service Line inXX/XX/XXXX and the interest charges from theXX/XX/XXXX and XXXX statements were credited back to me. However, they continue to charge me interest because I haven't paid the statement balance, even though I have paid more than the purchases that period and contribute to the reduction of the promotional balance. 

Based on experience with other credit cards through stores such as XXXX XXXX and XXXX 's, I don't understand how I can be charged interest because I haven't paid off the balance of a purchase that has a 0 % APR. That promotional balance should be separated from the revolving balance, and if that revolving balance is not paid in full I would completely understand being charged the interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Have an 11 year payment history, paid as agreed to Citi Bank XXXX. Currently showing on my credit report as 2 months paid only, and that a bankruptcy occurred inXX/XX/XXXX. This is adversely affecting my ability for home financing on a purchase contract closing XX/XX/XXXX and must be corrected asap. Thank you for your help.

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 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CFM Group
State: SD

Complaint narrative:
Received letter from CFM XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, as well as many phone calls starting in XX/XX/XXXX thru XX/XX/XXXX, about a breach of contract with XXXX XXXX XXXX. We sent them our response and our reason for terminating our contract with XXXX. Now it is starting again, XX/XX/XXXX with 3 phone calls, we asked them to stop calling our office. Then they sent email XX/XX/XXXX and we responded again with our documentation, and requested again to not call or email our company. Another ( unprofessional ) email was sent XX/XX/XXXX threatening company credit and further collection attempts.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Transunion is selling a " rental screening program '' that they rate applicants and provide credit and background screening on for landlords. After being turned down by 2 landlords, they provided me with the report they received from " Transunion SmartMove '' program and found out much of the information was wrong! Here are the items that were wrong and had a negative affect on my Transunion " scoring '' system they use and provide to their landlords using the service. 
-Current Employer, and income amount WRONG and state the landlords that I'm not being truthful on my employment and amount of income I make. 
-Current credit discrepancies ( loan balances, monthly loan amounts due, open credit amounts, and use " inquiries '' as a negative whether any loan or credit has been opened from any institution who may have " inquired '' ) With today 's online application companies, one online app can get sent to MANY co. for review, etc and it should be a negative just because of that. 
- Transunion told me it is NOT their responsbility to provide accurate information to their client for which their landlord " smartmove '' service, but rather everything is up to me to ensure that their information they have about me is correct -even though I wasn't given that chance prior to them providing all of it to their landlord and providing their service of rating and recommendations as well - all based on inaccurate information, and information that they claim to not have the responsibility to verify the validity or correctness of.

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 2018-05-16 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: GA

Complaint narrative:
Letters sent out to rectify issues on my report 60 days ago having in no results for multiple accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: GA

Complaint narrative:
Letters sent out to rectify issues on my report 60 days ago having in no results for multiple accounts. 
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 non-monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had two auto loans with Navy FCU that they refinanced for me last year in XX/XX/XXXX -XX/XX/XXXX Both accounts were 30-60 days delinquent but for some reason one of the two auto loans ( one complaint is being filed about ) had a payment refunded to me on XX/XX/XXXX, which caused an additional late mark onXX/XX/XXXX. I was advised that is was transferred back into my bank account due to the account being refinanced and paid off. The refi didn't go through until XX/XX/XXXX as you can see in the attached payment history. I have asked NAVY FCU to correct this 90 days late mark on this account but they are stating that they have no way of correcting this even though admitting the error. The error being that they did not know why one auto loan processed quicker than the other or why they transferred the monies back to my account. As you will see in the payment history, the funds payment was not reversed for insufficient funds, it was merely transferred back into my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
On my Equifax credit report # XXXX appeared a fraudulent XXXX   XXXX XXXX account # XXXX opened on XXXX XXXX and a new address, also fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, PR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation. 

This is NOT my addresses : XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and never have been. 

These are NOT my account ( s ) : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax thinks it's funny to keep things on my credit that are no true, timely or just. I've been a victim of ID Theft in the past and Equifax is doing nothing to protect my consumer rights. The other 2 credit bureaus have permanently removed the accounts for my protection but Equifax is refusing too. Please help me with this matter ASAP as it is ruining my life and livelihood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a victim of Identity theft. Someone used my information to open an account with Citibank XXXX XXXX. I was alerted to an inquiry by XXXX on XX/XX/ after someone tried to take over my bank account. I immediately called XXXX and was told that the account had been opened. Explained that I did not open the account and it needed to be investigated. Was treated like I was lying by the fraud rep. She told me ( BUT THE ACCOUNT MATCHES YOUR ADDRESS ). Told her that I did not apply for the account and did not want it. She finally told me that They would close the account and investigate. And then they did not provide any kind of claim number or advise further action. Knowing they did not believe my claim I disputed with the major credit Bureaus. 

Around the last part of XX/XX/XXXXI recieved a bill from XXXX for XXXX. I live in XXXX XXXX and all of the Transactions are from XXXX XXXX  Including one fromXX/XX/XXXX The day the account was opened and have proof I was at a XXXX XXXX XXXX location in XXXX that day. Obviously the account was never closed or investigated as told by the fraud department. 

XX/XX/ Received notification from XXXX  that they verified the account as mine and the dispute is closed. 

XX/XX/ XXXX XXXX Placed another Call to the fraud department. Was told there was not an Investigation started on my first call as suspected. The fraud rep did admit That XXXX knew that the account was fraudulent but said they can not remove the account from my credit reports because it has a balance. I said the balance would not be there if they had investigated the first call. She would not tell me a status only that I am paying the price of their employees not doing their Job. 

XX/XX/XXXXWas transferred to the the Account security department and was told that they just recently opened an investigation and had to wait 90 days. Asked why they validated the account as mine with the bureaus and she said that. Even though they know it is fraud the dispute department will still validate the account. I understand that if they know it is fraud they must remove the account and inquiries from my report immediately. She then said they submitted it to be removed and placed all of the blame on the credit bureaus and said I had to give them 60 days to remove it. I explained again that they just verified this a legitimate account when they know it is fraud and that it is against FCRA laws. She again blamed the bureaus. I asked for future status updates and was denied because they don't do that. Basically I was told they will handle it when they can and I am paying for their companies greed.

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 2018-05-16 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: UT

Complaint narrative:
XXXX XXXX was closed do to fraud. I was able to receive a debt discharge for my student loans based upon their actions. I now have a 3rd party collection company trying to collect on this discharged debt. They are also currently reporting late payments on my credit report.

Company response to consumer: Closed with explanation