vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest Credit Systems inserted a prior deleted XXXX bill, erroneous info ... date of original fraudulent account was in XX/XX/XXXX, they reported it as a new date ... disputed it with XXXX, and still there as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: CA

Complaint narrative:
I have been trying to find out information in regards to a joint consolidated student loan that happened back in XX/XX/XXXX when I was married and everyone that I have spoken with so far is not able to retrieve this information because of this dating back to XX/XX/XXXX. I would like to find out the status of this loan because it 's only showing in my name. The loan was through XXXX College and it shows that XXXX loan is paid in full but there is this loan that is under my name and I 'm not sure what this loan is. I would like for someone to give me a breakdown of all and any loans that are in my name and how this happened. Thanks in advance for the help that you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2008, Wells Fargo forced us to foreclose on our home located in XXXX, CA. We did everything we could at that time to get them to help us but we were not offered any assistance at all. At one point, a representative told us that since we were behind a payment the best thing to do would be just to move out of the house and not risk the police kicking us out! We begged them to work with us to allow us some sort of modification but they told us there was no alternative to paying the full balance of past due and currently due amounts owed. I called Wells Fargo every day for a period of 2 weeks to try to get someone that may handle things differently but each representative said the same thing to us. There is no option other than short sale or foreclosure. We ended up moving out and the house was auctioned in a foreclosure sale.

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 2017-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
In XX/XX/XXXX I fell 2 months behind on my payment FHA loan to Wells Fargo. 
I applied online for the HAMP modification and began correspondence with a representative XXXX I have every thing ever promised in writing. 
He advised I cease correspondence with WF and sign a retainer with them at which point they would become the " representative ''. 
I would pay them a fee once their Underwriter approved it HAMP eligible. 
It took almost 3 months before my trial priod / retainer costs began at XXXX each payment. Of which i paid on time as agreed. 
Once that retainer period ended I received notification in an informal email telling me what i had been approved for by the lender being Wells Fargo and my new rate and terms. 
My initial rate was 3.875 % 30 year fixed They increased my rate to 4.25 or higher My payment which was XXXX and change then lowered to XXXX I was to make my first new trial payment to WF on XX/XX/XXXX of which i did. 
I then receive my bill for XX/XX/XXXX which states my XX/XX/XXXX payment was received but " unapplied '' It also stated that i was XXXX deliquent and my escrow now had a shortage due to non payment leaving my true new payment just under XXXX The paperwork was extremely demanding whereas online HAMP was supposed to be streamlined and fast. 
No one replies to me with written proof of the calculations used to determine the findings or result of such initial trial to Wells Fargo. 
Simply, if you do not sign with in 24 hours this offer will be null and void. 
I am seeking a class action law suit for borrowers who have attempted the HAMP loan and were not exactly helped but damaged tremendously from such actions. 
Because of the late payments now reporting on both my credit and my poor mother who helped me co sign ( since I was divorced ) they demanded i not pay I am now unable to apply for credit. 
Now, only to be left with a XXXX back payment on my note An Escrow Shortage A possibility of losing 50 % custody of my children if I have no home to provide. 

Regards, 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 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are numerous mistakes on my credit report. I have attached a narrative to explain the details. The bureaus want me to sign up and pay for them to make corrections.

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 2017-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We are in CH XXXX Bankruptcy. We are making our monthly payments on an interest only loan of {$3600.00}. When the bank applies the payment it only applies, {$2600.00} in interest and {$530.00} in escrow. Where is the balance of {$450.00} going? It does not show on the activity since your last statement. It is not going towards Principal. But when I look at the Payment Summary it has Interest, {$3100.00} and Escrow, {$560.00} which equals my payment. Also the Trustee is making payments. These are showing as debits on our account, not credits. Where are these payments being applied. Also where is my interest payment from my Escrow Account from 2016? We also overpaid our property taxes and this also showed up as debits on our account. An incorrect Escrow Analysis was done an a distribution of over $ 6K was made to the trustee. Now after I requested an Escrow Re-Analysis our Escrow Account is now short, and now our house payment has risen to {$3700.00}. I placed a call to the bank and was told that a court order was issued for the $ 6K from the Trustee found out that was a lie. I called the bank several times they kept telling me I could not talk to them because I 'm in Bankruptcy. I have sent the bank two letters requesting an accounting of my account. I can not even get an accurate XXXX for my 2016 taxes.

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 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian Credit Bureau is incorrectly publishing on their website that my XXXX mortgage payment for XX/XX/XXXX was 30 days late. 
Experian Credit Bureau is incorrectly publishing on their website that my XXXX mortgage payment for XX/XX/XXXX is missing and not applicable.

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 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Tried ton purchase a car at local dealership and was told they could n't get any report from agencies, no number is being reported. I called XXXX and they said it is reporting. I have tried to get home equity loan and was told the same thing. XXXX says no reason for that so why ca n't anyone access a credit number. Experian had told me all my credit was old, which is true but what should that have to do with my credit history. XXXX has told me there are no negative items on my report. I have a charge account with XXXX which has been active since 2003 and Experian said it was n't reporting properly because my birth date needed to be updated? This account according to them is reporting as no status. It 's the only active account I have had for several years and it is not reporting properly. Experian says it 's XXXX 's fault but XXXX has told me that have updated to credit agencies. I ca n't get credit even though my credit has always been very ggod. THIS IS NOT FAIR. credit reporting agencies are prohibiting me from getting credit by not providing any credit history while at the same time saying they are. I do n't know where the disconnect is but it needs to be resolved I need 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 2015-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed)
State: SC

Complaint narrative:
This has been going on for years, even after asking them to stop calling and telling them they have the wrong number they keep on calling. Whoever they are, they call me asking for my ex-wife. We have been divorced for years, but I do know that she has no debt like what these callers are describing, and with each call they say it is something different. One day they say it 's a payday loan, then a medical debt, then something else. Sometimes they just demand money from me, even though it 's not in my name and will not tell me what it is for. They say if it 's not paid I will go to jail, etc. They have called my grandparents and other relatives. Recently, all of these calls have been coming from XXXX, and they say they are Concord Resolutions.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX has reported my payment status as " Pays As Agreed ''. However, the payment history shows 4 late payments 120 days late. Because of the late payments, the mortgage is reported as a negative account, which greatly impacts my credit score. I 've tried contacting XXXX and discussed the errors on the account. No changes was made. I 've disputed the negative items on my credit report with all XXXX bureaus, and gave supporting documentation ... loan agreement paperwork, historical bank statements, payment schedule agreement, and more. No changes was made. Before I pay for a lawyer, my hope is that CFPB can put some teeth into this matter and get it resolved. This issue is on all XXXX bureaus, XXXX, XXXX, and Transunion.

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 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have filed a dispute with the XXXX major credit bureaus regarding bankruptcy information listed on all XXXX credit reports. The bureaus do not include where the information is provided from. I have confirmed with the Texas Federal Court that this information is not supplied by them and thus can not be confirmed or verified with them. Information has not been provided by each bureau indicating where the information is derived from. I feel that this is not fair being that I can not directly dispute or verify the information being reported on my XXXX credit bureaus of XXXX, Transunion and 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 2017-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
The company called my phone multiple times within a short amount of time. They only left a voicemail on the first call. I have asked them repeatedly to email me during business hours because I 'm not allowed to make personal calls at work. I had already informed them that I would be making a payment today. This is not the first time this has happened either. The company is One Main Financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
A guy I was dating XXXX XXXX stoled my identity got this card in my name before we were married in the evening og XX/XX/XXXX. When I found out that this and other cards were in my name without my knowledge I filed for divorce immediately. XXXX other accounts were declared fraudulent. This one was not even though XXXX admitted to Barclay Bank that he was responsible for it and was made responsible for it in our marital settlement agreement. I did not know that I was on this account. I did not sign up for this account. I have asked for proof that I signed up for this accounts in XX/XX/XXXX and XX/XX/XXXX and have not received it. It has hurt my credit my credit rating and I want it removed.

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 2017-02-25 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I know i paid on the card when i had it and i believe the amount owed is wrong.

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 2017-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: GA

Complaint narrative:
Hello, when I graduated in XXXX 1990 my Student Loan balance leaving was approx. {$22000.00}. It was a combination of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Perkins XXXX, and XXXX : XXXX Stafford loans. I consolidated these loans through XXXX XXXX. Today, 27 years later, my current balance is {$35000.00}. My loan is currently held by American Education Services and is in good standing. I had issues finding a job and making payments when I graduated. Over the years I have put off payments with forbearance and negotiated with lenders as my Student Loan was bought and sold. At one point in time I made a payment of {$10000.00} to get it back in good standing. I always kept my loans from being employer wage garnished. I am seeking advice in investigating how my Student Loan got to where it is today. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
please find attached the documents for disputing inquiires i never authorized, and also XXXX XXXX account that i never had delinquency, and never late payments, please have these inquiries removed from my credit file. and the late payment which is a very disturbing negative on my credit file removed. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
My account was written off in XX/XX/2016, in XX/XX/2016 Citi Mortgage got an insurance check for {$60000.00} paying off the account balance of about {$45000.00}. The mortgage company is refusing to tell me where the overage went, or return it to me. XXXX in the foreclosure department told me they sent it back to the insurance company. XXXX, my insurance adjuster told me it was never sent back to them. When I asked XXXX for the amount sent and check number, she said I had to speak to another department, and transfered me to a disconnected number. The remaining balance is suppose to be used to clean up the property, as it was a fire, and total loss, but the structure is semi remaining. 

It seems Everytime I call Citi Mortgage, they transfer me multiple times, and never answer my questions.

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 2017-03-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
There was a fraudulent charge on my credit card bill in XX/XX/XXXX for about {$180.00}. I found the problem and called Bank of America immediately and filed a fraud alert. They promptly canceled my credit card number and sent me a new one, and removed the charge from my account. In XX/XX/XXXX, they reinstated the charge stating that they investigated and found in their opinion that the charge was authorized. Neither I nor my wife ( the only two authorized users ) made this purchase, nor did we recieve any products from this retailer ( located in Florida, and we live in Michigan ). I contacted BoA and complained that this was not a charge I authorized and it was fraud. They said they would look into it, after I pushed them very hard. They initially told me, that they did not believe me, and tough. I asked them for the retailers contact information and they gave it to me. I called the numbers only to find that they were no longer in service. I went to the retailer 's website, but it does not exist. I called BoA again and protested that this retailer does not exist. They assured me that their fraud team was looking into it. I received a letter from BoA in XX/XX/XXXX stating that they were not going to change their position on the fraud charges, and that I had to pay them the ~ {$180.00} and my only recourse was to not pay it and send the credit agencies a letter for my soon to be poor credit report. 
I need your help to hold this bullying bank accountable to honor their contractual agreement to not hold me liable for fraudulent charges. Charges that I identified for them, but they refuse to accept as true.

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 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been disputed Tax Liens that was reporting on my credit as a Public records, and the information is not valid. I have Disputed this information with Equifax Several times and the results came back verified correctly. I have supported documents that supports that it has to be remove and delete and never it did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: The CFM Group
State: MI

Complaint narrative:
XXXX from XXXX, or Consumer First Management XXXX has been continuously contacting me about a debt that I apparently owe from 10 years ago. He continues to call from a different number every time, one time it was an XXXX number, the next it was a XXXX number and the last time was from a XXXX number XXXX. I asked him about the debt that I owed and he said that there was mail that went to my house and I never responded to it. I never got a letter from his company and didnt throw anything away. He stated that it was sent and that he could not get me any paperwork showing what I owed as he would have to file a judgement against me in order to obtain that paperwork. He gave me the file number for the case and said that if I wanted to call the company that it came from I would need to get ahold of them and find the original paperwork. I did get a hold of them and they dont have record of it as it was over 5 years ago. He keeps telling me that it is going to cost me a lot of time and money to resolve this. I am confused as to why I would be taken to court over something that is 10 years old, and over something that he can not and will not provide paperwork on. He has called me 7 times in the past week and before then everyday even after I spoke with him about the debt. I told him I was not familiar with the XXXX. I have looked them up and can not find their information anywhere. This XXXX XXXX said that if I do not respond he was going to take legal action against me. They call at all hours of the day while I am at work and while I am at home.

Company response to consumer: Closed
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Aldous & Associates, PLLC
State: ID

Complaint narrative:
A debt collection agency contacted my son regarding a supposed debt he owed our gym, XXXX. He is signed up under our family plan, has never signed a contract, I signed the contract and was less than XXXX when I signed him up. We have an email confirming the request to place his account on hold while he was away at XXXX. When I told them this, the caller told me my son 's birthdate and advised me he 's XXXX now so is responsible for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
For 2 months, XXXX and XXXX of 2017 Bank of America account has transferred 2 separate monthly payment to another account with out my authorization. Further, I have letters from Bank of America stating these transfer were made in error. As of XXXX XXXX, 2017 there has been a charge applied to another account, which is being disputed. 
Bank of America has not been able to explain how a account can transfer funds without impute from 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 monetary relief