vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have Wells Fargo Visa Credit card. As per the terms after spending $ XXX within 60/90 days one will get $ YY as the cash rewards. I have {$210.00}. When i tried to redeem it - it 's only letting me redeem in the multiples of {$25.00}. I want to redeem all. Trying to work with Wells Fargo since XX/XX/XXXX regarding this issue. They asked me to reach out to the Rewards Center ( 3rd party ) but they are also not willing to write me a check of {$210.00} and send it to me.
Nowhere it 's mentioned in the card member agreement that rewards can be redeemed only in the multiples of {$25.00}. Moreover other banks and credit cards also does n't follow what Wells is doing.

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 2017-10-24 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: EQUIFAX, INC.
State: LA

Complaint narrative:
At purchaae, the car was not reprogrammed to clear out other owners information. I was not told by a previous accident. I emailed the customer service person and inquired if there was something wrong with the vehicle, she did not respond. I emailed the extended warranty company and sent me the information needed that should have happened at the finance table.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
In the ongoing saga ( now nearing 4 months ) of trying to get a refund of our escrow account balance in the amount of {$1400.00} so that we can pay our property taxes, once again Nationwide ( now known as Mr. Cooper ) has, without authorization, taken a full amount due of {$1700.00} for our mortgage payment in XXXX from our bank account, rather than the balance after this promised credit noted above which was authorized at {$220.00}. Since our last complaints this company has sent us a check for the owed amount which we deposited and then learned they later stopped payment on it without any notice to us ( which resulted in a fee to us by our bank and could have caused an overdraft in our account ), thereby taking back OUR money. That is what they did again on XX/XX/XXXX with an  unauthorized withdrawal. We have not approved an automatic monthly withdrawal by this bank, so we do n't know why they could take a different amount from us than that authorized in a phone call on XX/XX/XXXX. Every move made by them since our mortgage was sold to them appears to border on fraud. We have written letters, spent countless hours on the phone with multiple customer service people who provide no service. Our concern is that our property taxes are due XX/XX/XXXX and the money put aside is not at our disposal to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I called the company XXXX XXXX to inquire about payments on XXXX XXXX, and was told erroneously that I was current, because the employee misread some refund escrow check and took it for a payment. 
I am on autopay for my XXXX payments from my XXXX XXXX checking account to my XXXX XXXX  mortgage account Missed the XXXX XXXX payment, and that cancelled the autopayment against my will I did not realize it, so I missed XXXX more payments When I realized it I made the payment for the XXXX missed payments on XXXX, but my XXXX XXXX had already been affected. 

my account is now current

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 2017-10-24 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: TN

Complaint narrative:
I recent disputed inquries on my credit report to XXXX due to some fraudulent activities. Companies such as : XXXX XXXX XXXX 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 2017-10-24 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: TN

Complaint narrative:
I recent disputed inquries on my credit report to XXXX due to some fraudulent activities. Companies such as : XXXX XXXX XXXX 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 2017-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: NV

Complaint narrative:
Took out a studen loan for my XXXX when he attended XXXX XXXX XXXX and finished in XXXX. As co-signer I have been paying off this loan and am now approx XXXX years in advance of payment date. Just last month I noticed that American Education Services XXXX AES ) raised my interest rate nearly XXXX percentage point without any notification. I find this to be illegal as XXXX and they are trying to maintain some form of percentage in the positive for the remainder of the loan. My account number at AES is XXXX and after numerous attempts XXXX emails, phone calls, etc. ) I have been unable to get them to explain why the rise in interest rates that started out at XXXX XXXX and is now at XXXX XXXX or so. I am also going to file a complaint with the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I sent XXXX, Equifax and XXXX a certified letter advising that XXXX XXXX mandated they remove ALL payment history prior to my bankruptcy chapter XXXX and there are MULTIPLE inquiries I did NOT authorize and would like them removed as well as payment history. All they did is add BANKRUPTCY FILED to my XXXX CLOSED ACCTS with XXXX then knocking my credit score down XXXX more points. This bankruptcy was filed XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. So to add that comment now after over XXXX yrs is irrelevant. AND REFUSE TO REMOVE INQUIRIES I DIDNT AUTHORIZE AND indicating I have XXXX student loans when I consolidated into XXXX in XXXX if XXXX. I have proof all XXXX credit bureaus received my certified letters with signature required. And have done more damage now to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: CO

Complaint narrative:
I sent XXXX, XXXX and experian a certified letter advising that XXXX XXXX mandated they remove ALL payment history prior to my bankruptcy chapter XXXX and there are MULTIPLE inquiries I did NOT authorize and would like them removed as well as payment history. All they did is add BANKRUPTCY FILED to my XXXX CLOSED ACCTS with XXXX then knocking my XXXX XXXX down XXXX more points. This bankruptcy was filed XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. So to add that comment now after over XXXX yrs is irrelevant. AND REFUSE TO REMOVE INQUIRIES I DIDNT AUTHORIZE AND indicating I have XXXX student loans when I consolidated into XXXX in XXXX if XXXX. I have proof all XXXX credit bureaus received my certified letters with signature required. And have done more damage now to my 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 non-monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CORELOGIC INC
State: TX

Complaint narrative:
between XXXX thru XXXX, i was looking to purchase a vehicle and a lot of finance companies reported my credit without my consent.

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 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX is being reported as part of my CHP XXXX bankruptcy. It was a new account and less than XXXX XXXX old prior to filing. It is illegal to include new accounts to bankruptcy. I am on time and never late. This is being reported inaccurately.

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 2017-10-24 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: GA

Complaint narrative:
Equifax, XXXX XXXX and XXXX are continuing to report inaccurate information. This collection with XXXX  should not appear on my credit file for I have sent proof and it still remains. I agreed with XXXX that I would pay for delete. Item is paid and was not removed. Sent in that proof to the credit bureaus. Per XXXX representatives, have advise credit bureaus to remove due to agreement for pay for deleted was completed, yet this still remains on my credit file damaging my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 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: GA

Complaint narrative:
XXXX, XXXX XXXX and Experian are continuing to report inaccurate information. This collection with XXXX  should not appear on my credit file for I have sent proof and it still remains. I agreed with XXXX that I would pay for delete. Item is paid and was not removed. Sent in that proof to the credit bureaus. Per XXXX representatives, have advise credit bureaus to remove due to agreement for pay for deleted was completed, yet this still remains on my credit file damaging my credit scores.

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 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
between XXXX thru XXXX, i was looking to purchase a vehicle and a lot of finance companies reported my credit without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Southern Auto Finance Co
State: TX

Complaint narrative:
between XXXX thru XXXX, i was looking to purchase a vehicle and a lot of finance companies reported my credit without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: IL

Complaint narrative:
Since XXXX of XXXX, I tried to defer my XXXX XXXX  and the loans of my husband ( I am the co-signer ) with AES. We had a deferral for XXXX months, when we tried to extend it then all the problems started. AES was unclear and lacked consistent feedback for deferral. We consistently called to clarify and tried to provide all the information in a timely fashion. We were refused a reduction and deferment for the loan because the lack of clarity overlapped with the need to make a payment. Because we did not make XXXX payment between the initial XXXX deferment and the submission of an entire XXXX application, we were not even considered for reduction or deferment status. At this point, we could not make the payment. We are making small payments, and are now in default and behind. As a result, both of our accounts have been reported to credit agency because we are late on payments. I am still not working ( mos XXXX ) even though I have been looking and trying to find a job. I have other student loans that have easily deferred my payment. The AES process was very XXXX XXXX, time-consuming, and lacked any consideration for me and my husband time and intent. The AES process is layered with ambiguity, disingenuous promises, blame XXXX XXXX XXXX XXXX and consumers ), and deceit. I have had great credit and paid my bills on time for 30 years. I have more than XXXX files regarding this and they have them. I am not wasting my time to resend what I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX is being reported as part of my CHP XXXX bankruptcy. It was a new account and less than XXXX XXXX old prior to filing. It is illegal to include new accounts to bankruptcy. I am on time and never late. This is being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX is being reported as part of my CHP XXXX bankruptcy. It was a new account and less than XXXX XXXX old prior to filing. It is illegal to include new accounts to bankruptcy. I am on time and never late. This is being reported inaccurately.

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 2017-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America
State: TX

Complaint narrative:
In a statement with the date XXXX XXXX, XXXX, i received a letter from the Financial Corporation of America. This is a collection company that is trying to collect funds for XXXX XXXX XXXX. This bill is for my XXXX XXXX XXXX step-daughter that does not live with us. She is a competent adult that we are not responsible for. I provide her insurance through my XXXX and that is the extent of my obligation for her. She saw this medical group on XXXX XXXX, XXXX and never paid her bill in the amount of {XXXX}. I did not know she went to the XXXX nor was I present for the visit. I did not sign any statement of financial responsibility for this visit. I called this company on XXXX XXXX, XXXX and informed representative XXXX that this was not my debt it was XXXX XXXX 's and they have billed me in error. He confirmed with his supervisor, XXXX, that they correct and allow to bill me. They stated that since i am the insurer they will hold me responsible and not take my name off of the bill making me responsible for the balance. I then conferenced in XXXX on the call and she agreed it was her responsibility and not mine. XXXX gave them her current address and phone number. I followed up the following day and talked with XXXX again who told me even though she gave them her information they will still leave my name on the bill. This does not seem legal to me. I am not responsible for her bills or debt she incurs as an adult. I have also reached out to XXXX XXXX XXXX to also see what can be done to remedy this situation. Please contact me if you need any further information from the XXXX XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: NY

Complaint narrative:
I was checking my annual credit report, Transunion file no XXXX XXXX copy enclosed My name is considered a potencial match listed Us dept of treasury office of foreign affairs.Someone with the same in XXXX source uid XXXX. 
Im a US citicen all my life dont know this person.Never being to XXXX was not born in this country never being to this country dont intent to go to this country. 
Please I will like to have this removed from my credit file. 
Thanks PageNo on report 9 of 12

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Account # XXXX Property Address : XXXX XXXX XXXX, XXXX, MD XXXX This new Complaint is a rebuttal to Wells Fargo 's response to Complaint XXXX and others subsequent to it. 

Here I made two critical complaints, among many others. I complained that I was denied loan modification because my application showed ability to pay. I challenged Well Fargo that this was not a ground for denying loan modification. Notwithstanding this outrageous reason for denying loan modification, I confronted Wells Fargo with the actual reason for denying my modification application. I was told the real reason was the equity. When did Equity become a lawful ground for denying modification? Please ask Wells Fargo to explain why it used the equity in my home as a ground for denying loan modification. 

I learned that Wells Fargo used HTI ( Housing To Income Ratio ) to deny me loan modification. HTI uses gross income in making its calculation. My gross income when Wells Fargo denied my loan  modification in XXXX 2016 was {$11000.00}, half of which were business expenses. I am XXXX. Using HTI automatically disqualifies me or any other self-employee person because it gives a falls impression of my income. Had Wells Fargo deducted the business expenses, such as condo fees from the rental property and other costs, I would have fallen within the HTI approval range. It was using this voodoo method that Wells Fargo succeeded in stripping self-employed borrowers like me of their houses. They should go back and use my net income, not gross income.
Second, I complained that Well Fargo failed to credit my payments and that the loan balance was wrong. I have letters in which they denied that I made payments, then I confronted them with the evidence. Faced with the evidence, they said the payments were not credited because they were made pursuant to a modification trial plan. I challenged them that I was never granted a modification, let alone a trial plan. I want Wells Fargo to produce evidence of the loan modification that I signed upon which a trial plan was based. Unless Wells Fargo fabricates one, consistent with its corporate culture of fraud, none exist. Let Wells Fargo produce the evidence. I want Wells Fargo to explain why they failed to grant a loan modification after a trial plan, which they claim was where my monthly payments of more than {$70000.00} in the last three years went.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I received a dunning letter from National Credit Systems Inc. for an attempt to collect a debt. 

XXXX/XXXX/XXXX I sent them a letter requesting debt validation, and supporting documents that I aggreed to do business with there company. 

XXXX/XXXX/XXXX I received a letter from them, but they did not verify the debt or have any documentations stating that I agreed to pay there company and or did business with XXXXational Credit Systems XXXX/XXXX/XXXX I received a notification that this collection was placed on my credit report.

Company response to consumer: Closed with explanation