vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
We were put into a loan model payment plan for 3 months, after paying the last payment my husband was fired wrongful and we could n't make payment which took us out of the loan modification. We won the case with unemployment but it took nine weeks to get any money due. We have hired a lawyer for the wrongful firing of his job but we are in foreclosure because we had no income for my husband, he was also hospitalized for a month during this time.we have tried everything, working a hu d specialist but Wells Fargo will not w ork with us. Please help us keep our home.My husband has a good job and I 'm still working at my current job, we can make the mortgage aymentsvand want to remain in our home. Thanks  XXXX  and  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 2017-05-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am aware that on  XXXX   XXXX ,  XXXX , and again on  XXXX   XXXX , TransUnion deleted everyone 's credit inquiries on their TransUnion credit report. Later in the year, they were added back to my credit report. I did not recieve a legally required written notic e five days  prior. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with  XXXX , a United States supervisor, on  XXXX   XXXX ,  XXXX  and while I had  XXXX  inquiry removed, I was told that the others were not impacted. I know this is not true. These inquiries being removed and then re-added has caused a hardship for me and has violated my rights. My goal in this complaint is that you can help force TransUnion to stop victimizing me. I am asking in resolution that my credit inquiries be removed permanently as violation took place when they were illegally added.     Thank you and have a blessed day.

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 2017-05-16 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: DISCOVER BANK
State: FL

Complaint narrative:
When trying to access an y credit score infor mation regarding my credit account with  XXXX  I get an error message after answering the verification questions repeatedly I even tried to access my annual credit report online and on   XXXX   website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I see  two accounts  are positively reporting with them so I know I have a file but every time I try to access my   XXXX   score on   XXXX   or on  XXXX  or discovers scorecard I get locked out I need to be able to access my free   XXXX    fico score  I have similar problems with  XXXX  however  XXXX  has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my  XXXX   XXXX   since w e have reported that with the credit companies and an official change of address so I do n't understand what is locking me out

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: FL

Complaint narrative:
When trying to access any credit score information regarding my credit account with  XXXX  I get an error message after answering the verification questions repeatedly I even tried to access my annual credit report online and on  XXXX  website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I s ee   XXXX   accounts are positively reporting with them so I know I have a file but every time I try to acce ss my   XXXX   score on  XXXX  or on  XXXX  or   XXXX   XXXX   I get locked out I need to be able to access my free  XXXX   fico sco re I have similar problems with equifax however  XXXX  has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my  XXXX   XXXX   since we have  reported that with the credit companies and an official change of address so I do n't understand what is locking me out

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Karma, LLC
State: TN

Complaint narrative:
I recently brought a prior dispute to you because I had  3 collec tions on my report that had been on there for several years and I had re-established my credit to  XXXX . Well recently they decided to re-age these debts because they were all with the same debt collection agency but, you all wrote back to them and they were removed with the exception of one I believe they have brought back now, but m y credit score has  not changed at all. It has gone now and stayed down at  XXXX . Can you tell me why my  credit score di d n't change since this collection was removed and this new credit that was added to my credit should have been removed as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Focus Holding Company
State: TX

Complaint narrative:
At least  XXXX  credit burea u (  XXXX  ), has repor ted an outstanding debt that is not mine. The original creditor is  XXXX   XXXX . I have not been a customer of  XXXX   XXXX  's for over a decade. The company reporting the debt to the bur eau ( s ) is Focus Receivables Management.      In late  XXXX   XXXX , I spoke t o Focus Receivables Management. The  agent advised me to file a dispute with  XXXX   XXXX . She said she believed it may be for some one else with the same name as me.     I filed a dispute with  XXXX   XXXX  on  XXXX / XXXX / XXXX . I have attached the incident number. On  XXXX / XXXX / XXXX , I received a written notice stating they will remove the INQUIRY from my credit report. I was confused by this, as it is not listed as an inquiry on my   XXXX   report. It is listed as an unpaid collection debt.     When I filed a dispute with  XXXX , I received a notice stating that the debt was verified belonging to me. I filed this dispute on  XXXX / XXXX / XXXX . I have attached confirmation number for this too.     Additional Information : The amount owed is {$850.00}. The date reported was  XXXX / XXXX / XXXX . The date of first delinquency was  XXXX / XXXX / XXXX . The date assigned was  XXXX / XXXX / XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I attempted to close m y Wells Fargo checki ng account on  XXXX   XXXX ,    2017, in  writing, via their online messaging system. I received a reply stating my account was on hold and I would need to call Customer Service to cancel the account. I called  Wells Fargo  Customer Service on  XXXX   XXXX ,    2017,   XXXX  CDT to close the account and was told by Representative   XXXX    XXXX  ext  XXXX  that I would have to go into a  Wells Fargo Branch to  close the account.     I refuse to go into a  Wells Fargo Branch, d ue to the unprofessional interaction I had a month ago with the Teller  Manager  at th e Wells Fargo Branc  h    XXXX   XXXX    XXXX   XXXX , TX  XXXX  . Wells Fargo has  also begun charging a $   XXXX   monthly fee which I refuse to pay going forward. The fee was assessed on  XXXX   XXXX ,  2017, I initial ly requested this account closed on  XXXX   XXXX ,  2017.           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 monetary relief
Consumer complaint received 2017-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX   XXXX     2017,  My mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,    2017, m y report came back that my current, credit cards were updated with a  XXXX  balance but at this point when  XXXX   XXXX  updated my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was   XXXX    day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract one.     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an   XXXX   XXXX   XXXX   so I was n't able to call right away.       XX/XX/XXXX   contacted  XXXX   XXXX  to open an investigation for incorrectly posting to my credit report that I was  XXXX  days behind. The cust service woman who spoke with me told me that it would tak e 10 b usiness days for the investigation to be completed.       XX/XX/XXXX   I called  XXXX   XXXX  back as I had not received a letter or call back. The woman who answered the phone stated it would take  60+ d ays for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would s  till be 60-90 days before my credit report.
In the mean time my application for my first h  ome will have been declined due to  XXXX   XXXX  negligence. I am a single mother and need a safe clean place to live. I need this resolved immediately.

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 2017-05-16 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: FL

Complaint narrative:
XXXX   XXXX     2017, My  mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,    2017, m y report came back that my current, credit cards were updated with a  XXXX  balance but at this point when  XXXX   XXXX  updated my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was 60 day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract  XXXX .     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an emergency   XXXX   XXXX   so I was n't able to call right away.      XXXX   XXXX  contacted  XXXX   XXXX  to open an investigation for incorrectly posting to my credit report that I was 60 days behind. The cust service woman who spoke with me told me that it would take  10 business days for the investigation to be completed.       XXXX   XXXX  I called  XXXX   XXXX  back as I had not received a letter or call back. The woman who answered the phone stated it would ta ke 60+  days for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would still be  60-90  days before my credit report.     In the mean time my application for my first home will have been declined due to  XXXX   XXXX  negligence. I am a single mother and need a safe clean place to live. I need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX   XXXX    XXXX  , My mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,   XXXX  , my report came back that my current, credit cards were updated with a  XXXX  balance but at this point when  XXXX   XXXX  updated my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was 60 day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract one.     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an emergency appendix removal so I was n't able to call right away.      XXXX   XXXX  contacted  XXXX   XXXX  to open an investigation for incorrectly posting to my credit report that I was 60 days behind. The cust service woman who spoke with me told me that it would take  10 busines s days for the investigation to be completed.      XXXX   XXXX  I called  XXXX   XXXX  back as I had not received a letter or call back. The woman who answered the phone stated it would tak e 60+ days  for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would still  be 60-90 days before  my credit report.     In the mean time my application for my first home will have been declined due to  XXXX   XXXX  negligence. I am a single mother and need a safe clean place to live. I need this resolved immediately.

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 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
XXXX   XXXX   XXXX  illegally raised my ren t (  California require s 30-days notice for any rent increase. I recieved 0-days notice ) I e mailed them and they agreed not to charge me the rent increase so long as I moved within 30 days. At the end of the month they sent the increase in rent to collections instead.      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 2017-05-16 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
CFPB, This issues is not adequately resolved even though the case has been closed by your agency. The reference number is  XXXX .     Experian has stated that they ca n't find a credit file under my name. This is incorrect they have sent me a letter indicating that my credit file has been impacted by a negative item.     They ca n't have it both ways. I do have a credit report, they ca n't find it in the computer system during a cursory search. Look deeper in the computer system.     This is common given that my full legal name is  XXXX   XXXX   XXXX . A name that is this length commonly causes issues with computer systems. Happens all of the time. It is not unusual to have people with hyphenated last names.     Experian has now provided deceptive information during a credit inquiry. Experian please correct the information as soon as possible. If the issue is not corrected I will need to seek immediate legal advice from an attorney.

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 2017-05-16 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: LA

Complaint narrative:
XXXX , {$2300.00}, ask  XXXX   XXXX   XXXX  to removed this off my credit report because account is pa st 7 years old.   XXXX   XXXX   XXXX  said to me call Credit Bureaus.

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 2017-05-16 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: LA

Complaint narrative:
XXXX , {$2300.00}, ask  XXXX   XXXX   XXXX  to removed this off my credit report because account is pa st 7 years old .  XXXX   XXXX   XXXX  said to me call Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America has denied my appeal and they said it would take 30 days. They are saying my income is {$2200.00} a month. My income is only {$940.00} and my sons social security  XXXX  is {$660.00}. I faxed them this information and my total income is {$1600.00}. But I have appealed it higher people in bank of america. I am not employed and I do not receive any extra income that would equal to {$2200.00}. Bank of america is causing me undue   XXXX   XXXX  . But I am working with them and have made payment arrangements to pay the {$3000.00} by the end of this month  XXXX . And when the payments are caught up I will set up a automatic payment withdraw from my checking account. Also by Alabama law a home owner is suppose to be 17 payments behind. Bank of America has gotten {$20000.00} which they never applied to the balance of my loan and its not fair what they are putting me through, i do have my bank statements proving which payments have cleared my checking 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 explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   on  XXXX   XXXX ,  XXXX  working for  XXXX  at  XXXX   XXXX   XXXX ,  XXXX , NJ. I went to  XXXX   XXXX   XXXX   XXXX  and received   XXXX   XXXX  . I never saw a bill during that time, as my manager took me to the hospital and it was filed as  Workman 's Compensation. I re call receiving  one  bill at my home a few months later, which I immediately took to   XXXX   and was told it would be taken care of. I never received any other bill or correspondence from either the hospital or eventually the collection company. I pulled my credit report on  XXXX   XXXX ,  XXXX  in anticipation of beginning the home buying process. On it, there is a bill with a Accou nt Resolution Services , a collection agency, for {$810.00}, for my injury from  XXXX   XXXX . It was placed into collections on  XXXX / XXXX / XXXX . Again, I never received any notice about the bill other tha t the one time noted above. I never received any notice that it was unpaid, would be placed in collections, o r any bills from the collection agency, nor did I ever heard that   XXXX   received any mail in my name on the matter.

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 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Summa ry : Ocwen is not reporting Mortgage payment to any of the credit bureaus for over ( 11 ) M onths.     Made numerous contacts with Mortgag e Company and they investigated and concluded it was not being reported and gua ranteed that it would be reported as of  XXXX   2017 . As of this date it is still not being reported.     I have contacted their investors  XXXX    XXXX   and they too stated they would resolve this issue. There has not been any action taken on their part as well.

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 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I refinanced my loan about a year ago. I made some extra payments in the first month which the company did not apply to principle and I had to call them to fix that.     Somehow this has irravociblely screwed up their computer systems. Every month, I pay my {$5000.00} on the  XXXX  of the month. {$4200.00} is due on the  XXXX . Every month, they charge me a late fee because they think I am paying on the  XXXX  for the previous month. Yet, I have never missed a month since the beginning. I have called 3 times about this and each time they fix it, but the problem restarts the next month.     I am wondering if this is some sort of game they are playing with lots of people 's mortgages. It is very easy for someone to not spot the {$150.00} late fee with big payments like this.

Company response to consumer: Closed with explanation