vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I was informed by Wells Fargo Refinance Department that even with a co-signer, they would not refinance my loan. On that call, they told me that I needed to contact the Foreclosure Department for more information about my account. I had begun that process on XX/XX/XXXX because our Wells corporate office contact had offered it as an alternative to foreclosure in a registered letter in XXXX. 
It was on that call on XX/XX/XXXX that I was informed that Wells had initiated their internal process of foreclosure last month, on XX/XX/XXXX while I was in the refinance process. 
Wells Fargo has sent me several XXXX XXXX packages this month, none of them contained a word about the foreclosure process. They did not supply me with information regarding a trustee to contact. Twice they sent me notices that they no longer were paying my property insurance - they have never paid property insurance for me. 
They negotiated in bad faith with me and my co-signer. The foreclosed without written notice. The again have put me, a XXXX woman through a pointless process, wasting my time to prepare my home for a sale in which I can make a profit. My home has over 600K in equity. It is this reason they are trying to foreclose without allowing me time to sell. They are intent on short selling my property out from under me and pocketing the profit. They want my profit and they refuse to work with 3rd party mortgage modification programs because I have equity.

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 2017-11-08 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: NJ

Complaint narrative:
XXXX XXXX I send letters to XXXXn, Transunion and XXXX regarding unauthorized inquiries placed on my credit report from different credit card companies. I asked them to remove them from my reports as I did n't authorized them at all.

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 2017-11-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX I send letters to Experian, XXXX XXXX XXXX regarding unauthorized inquiries placed on my credit report from different credit card companies. I asked them to remove them from my reports as I did n't authorized them at all.

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 2017-11-08 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: FL

Complaint narrative:
On XXXX/XXXX/XXXX, I received notification from the XXXX credit bureaus that my loan balance with XXXX has increased from {$19000.00} to {$19000.00}. I immediately spoke with a representative at XXXX and was advised that I would need to file a complaint for the incorrect reporting. XXXX sent me a transaction history reflecting the updated balance of {$19000.00} for the updated balance for the at the end of XXXX XXXX. I requested for balance loan to be updated with the XXXX credit bureaus and was denied and advised to dispute the inaccurate reporting myself. Due to the inaccurate reporting it is negatively impacting my able to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: FL

Complaint narrative:
On XX/XX/XXXX, I received notification from the 3 credit bureaus that my loan balance with XXXX has increased from {$19000.00} to {$19000.00}. I immediately spoke with a representative at XXXX and was advised that I would need to file a complaint for the incorrect reporting. XXXX sent me a transaction history reflecting the updated balance of {$19000.00} for the updated balance for the at the end of XX/XX/XXXX. I requested for balance loan to be updated with the 3 credit bureaus and was  denied and advised to dispute the inaccurate reporting myself. Due to the inaccurate reporting it is negatively impacting my able to obtain credit.

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 2017-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
sent police report still trans union not taking off cra not mine violation of my rights

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 2017-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Comenity Capital Bank has not adjusted any of my late fees that I was told I would not be charged back in XXXX XXXX. I have continuously been told that I can ask for a new promotion for the interest to my line of credit however, every month the bill continuously increases. Comenity Capital Bank is continuously reporting the credit bureau of inaccurate balances and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
An account reporting as a collection and open is reflecting on all three major credit reporting agencies with a balance of XXXX as of XXXX. This account did not derive from a consumer credit transaction, contract, or agreement and should not be listed on my credit report as a collection. I have not received any communication on such said overpayment. Per the XXXX XXXX is upward of XXXX states including my XXXX XXXX, debts that do no derive from consumer credit transactions should not be reported to CRA XXXX credit reporting agencies XXXX. TransUnion, XXXX, & XXXX are all three violating my rights by reporting these transactions. In addition the contact phone number for this account that is reflected on my report is a non working XXXX number XXXX that does not provide any further contact number to reach the listed account information provider XXXX XXXX of XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has my account showing written off {$280.00} my account has not ever been in collections or written off by XXXX XXXX. 

I contacted them in which they stated there was nothing written off nor is there any balance to this account or nothing showing written off. 

they mail me a letter stating there is no balance nor does the account ever show late or ever in collections at no time that the account was open.

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 2017-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Google Compare Credit Cards Inc.
State: CO

Complaint narrative:
Identity theft, known per local XXXX report XXXX XXXX. XXXX continue to get unauthorized charges to XXXX XXXX XXXX card for XXXX XXXX, XXXX and XXXX XXXX. I do not have these accounts. I never authorized. 

I contact XXXX XXXX and they blame me or my XXXX XXXX XXXX son. This has to stop. 

XXXX XXXX says they put fraud alert but to block I have to call the number on the back of every new card I get from them and it never happens. I tell the police and get report numbers. I have XXXX XXXX account statements. 

I do not have XXXX XXXX, XXXX or XXXX XXXX XXXX accounts. Ca n't get through to block these unauthorized charges to my XXXX card so I closed it. 

I closed the XXXX XXXX account yesterday due to their incompetence. XXXX XXXX had ID theft name and address for XXXX years without telling me until XXXX via XXXX report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I looked on my XXXX credit report and noticed a repossession from a company called Credit Acceptance, I have never had a loan through this company. I disputed it with the ONLY credit reporting company that this is showing on and they refuse to remove it

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 2017-11-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
sent police report still XXXX XXXX not taking off cra not mine violation of my rights

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 2017-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: OH

Complaint narrative:
XXXX XXXX of XXXX, XXXX did a back ground check for XXXX XXXX XXXX in regard to a XXXX XXXX XXXX. They have incorrectly listed a case from XXXX XXXX XXXX XXXX XXXX, XXXX CR XXXX as a felony when it is in fact a misdemeanor, as shown by the Bill of Information and the Termination entry. The matter stemmed from patrons of a XXXX house in proximity to my residence and the associated XXXX trespassing through my property. 

The records are online through the clerk of courts, as docket entries. 

I can fax copies if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
This is regarding the Public Service Loan Forgiveness Program. I 've been with the same qualifying XXXX   employer since XXXX, have been in a qualifying repayment plan for the last 3 years after finding out that the plan I was in was not a qualifying plan, and have made payments on time each month. After switching to the XXXX XXXX as directed under the program for an assessment of my eligibility for the program earlier this year ( XXXX XXXX ), I  was just informed on XXXX XXXX, XXXX that none of my payments since switching to the qualifying repayment plan were qualifying payments. When I spoke to a representative from XXXX XXXX, she said that my prior loan server had me in a plan with loan terms that were not qualifying. Nowhere in the information posted on the Department of Education 's website about the program does it discuss the qualifications of a plan with respect to loan terms. I stated this to the XXXX XXXX representative who noted that there are a lot of details about the qualifying loans that are not posted. As a result, I do not know if the assessment of my payments is accurate to make the non-qualified payment determination. It 's also unclear to my while my previous loan servicer, XXXX XXXX, put me in a repayment plan with terms that do not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: NC

Complaint narrative:
I disputed a fraudulent charge on my Equifax report but they investigated and said i should be financially responsible for the fraudulent charges. i strongly disagree. I live in a city with one source for energy and power which is XXXX XXXX. i have recieved my energy and power from this company since XXXX to the present XXXX. I could not have received service from the company the charges stem from if i wanted to. i live within the city limits and the towns utility company pretty much has a monopoly as the source of energy for all of its residents. After Equifax ruled against me, XXXX then followed Equifax 's lead I then sought to send Equifax information proving that I never requested XXXX XXXX services i am being fraudulently being charged for nor have i ever lived at the fraudulent address associated with the charges. I have been unable to check the status and walk through the steps to upload said proof and am running out of time. I have 17 more days but I am presently locked out of access to Equifax to dispute the charges listed below. 
XXXX XXXX XXXX XXXX is charging me {$1000.00}. The original creditor is XXXX XXXX date opened is XXXX XXXX First reported in XXXX XXXX for collections

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony and XXXX are reporting duplicate accounts for the same account that has been paid in full.

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 2017-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I received a call from XXXX of XXXX XXXX and in an aggressive manner she stated I owed a debt for someone I co-signed for. I have not co-signed a loan with anyone other than my husband in well over 10 years. I tried to ask for something in writing but she would not answer any of my questions. She did state the debt was to First USA for over XXXX. The phone number on my caller ID was XXXX and I received another call shortly after from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I fell behind on my mortgage after my business failed and was causing me to have a massive amount of negative cash flow. I have now sold that business and I would like to save my home. I hired an attorney  to help me apply for a loan modification and my attorney says my lender is evading reviewing my mortgage by asking for unnecessary paperwork and explanations. My lender is digging into my tax returns from two years ago asking questions about why certain income does not show up on it. My attorney has a licensed loan officer and underwriter that has already underwritten my file and it was submitted complete and with sufficient information to make a decision. Letters of explanation about tax returns from 2015 have nothing to do with my current financial information and according to my attorney are only ways my lender ( XXXX ) uses to evade, stall and avoid reviewing me for assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I looked on my Experian credit report and noticed a repossession from a company called XXXX XXXX, I have never had a loan through this company. I disputed it with the ONLY credit reporting company that this is showing on and they refuse to remove it

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 2017-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Comenity Bank continuously keeps charging me late fees when their payment methods are not functioning properly online or over the phone. Their customer service representatives are very rude and disconnect the phone on you when often. Comenity Bank has reported inaccurate balances and late fees to the credit bureau to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
Account number ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and XXXX are continuing to report duplicate account that have been paid in full and should not show on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
We opened an account with Wells Fargo in XXXX when we purchased our home. This was a Purchase Money Second and we have had the account with Wells Fargo for XXXX years. 

This account had a Balloon payment due XXXX XXXX, XXXX and we were notified by Wells Fargo prior and responded to them to refinance the second mortgage. Wells Fargo came to us on XXXX XXXX with an offer to amend/extend the existing Home Equity loan. We agreed to the terms and were told that it would be a quick process. We asked about payments and they said they would n't accept payments while this was being done but not to worry it would be a quick process. 

This process took Wells Fargo over 60 days to complete and in the meantime the placed a 30 day and a 60 day late payment on our credit report. In the 30+ years my wife and I have had credit we have NEVER had a late payment on anything EVER! This took our credit scores from over XXXX to the mid XXXX. Unbelievable. 

We worked with someone in their Home Equity dispute department who told us that their delays internally are not Wells Fargo 's problem that Wells Fargo is required to report those late pays even if it was their internal delays and they would n't accept any payments until Wells Fargo was done on their end. 

We have enough money in our retirement accounts to pay this loan off in full if we knew that Wells Fargo was going to place mortgage late payments on our credit. Now we are stuck because no one will extend credit with those late payments on there and Wells Fargo wo n't admit their wrongdoing. 

Our next step is to hope many people with the same experience respond so we can start a Class Action Lawsuit to resolve this issue. It seems the only way that Wells Fargo responds to or helps out their long customers that they have hurt. Please respond if you are one of their customers experiencing this issue or if you are an attorney that would like to represent this case for us and others. If you are Wells Fargo please do the right thing and fix your internal error that is costing my wife and I thousands of dollars by not being able to obtain proper credit terms.

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