vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Back in XX/XX/XXXX my wife and I divorced from that time until XX/XX/XXXX I tried to get a loan modification with Wells Fargo I would make partial payments to them which they accepted and took all paper work they requested to them here in XXXX, Or. so that it could be and was faxed to there main office. They never could fined my paper work back in XX/XX/XXXX/ to XX/XX/XXXX I was advised by an mortgage attorney that Wells Fargo wasn't going to work with me to get a loan modification that they would just Foreclose on me. I was advised to short sale my home to save my credit for which I did about a month later after the sale of my home The Federal Gov. stepped in and made all the Banks & Mortgage company 's work with the people. Not until resonantly did the Gov order Wells Fargo to make good on all the Loan Modification that were applied for. They just told me on XX/XX/XXXX after allot of phone tag that they found my paper work and that I was denied back in XX/XX/XXXX do to my income, But back then they could never fined my paper work It is because I filed with O C C now O C C asked me to file with you I've been in contact at Wells Fargo with XXXX XXXX at XXXX extension XXXX She is also giving me the run around and letting me know she call me back around the XX/XX/XXXX In the mean time O C C asked me to contact you people and continue the complaint. Wells Fargo owe 's me the XXXX that the Gov ordered them to pay people who tried to to get a Loan Modification but there paper work always got lost Wells Fargo like 's to play game 's at the Public 's exspence. I would still be in my home at XXXX XXXX XXXX XXXX Or. had they not played games with me and allot of others My case # with O C C on Wells Fargo is XXXX I will call this XXXX XXXX and let her know I have filed with you. I have had several people glad to see someone like me to follow up on this matter. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
They helped us stop the foreclosure process and we were doing a loan modification so we thought, and then Wells Fargo turns around and says we never did the loan modification and that they were still proceeding with the foreclosure but they never said anything to us on the phone when we would call to make the payments, we are in the process of filing a lawsuit against Wells Fargo for all the damage to our Credit and to our health we have XXXX XXXX now due to all of this we were never properly notified to begin with when this all started to even give us options at first to call them and talk about options, and they are the ones who told us to not pay the mortgage during the modification when we first tried to do it so its there fault we fell more behind ... we are so upset over this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to get an issue resolved with the bureaus in regards of some accounts that aren't mines, I have been a victim of identity fraud and there has been several situations of unauthorized accounts coming up, the bureaus tell me to send a ftc report to get them remove so they have proof I filed a report. I want these items permanently blocked and removed from my report, I took precautions and blocked my reports added security and fraud alerts for my protection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
PayPal do not disclose fees that are charged on recipient side of the transaction. {$350.00} XXXX were charged for transferring funds. 
I was outraged when I found out about the rip-off. Immediately submitted request to cancel the transaction, but the response was it takes 90 day for review. Another rip-off ... so the consumer forgets about it in 90 days. Dispute Case ID XXXX opened on PayPal support website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I applied for financing via XXXX XXXX on XX/XX/18. I received an immediate denial letter stating my credit score was XXXX reported by XXXX. I have an Equifax account which shows my XXXX  score being XXXX as of XX/XX/18. I've tried reaching out to XXXX  with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: IL

Complaint narrative:
On XX/XX/2018 I submitted an initial dispute to all three credit bureaus, specifically requesting the validation of debt that I was disputing on my credit report and the removal of such accounts is the proof was not produced. On XX/XX/2018, I sent a second dispute letter to all bureaus reminding them of the fair credit reporting act and their obligations as companies that furnish such information. I have yet to receive any proof of the debts/ accounts I am disputing. The 30 days for each letter has passed and the dispute has not been handled properly under the consumer laws of the FCRA. Each of these debts have been disputed and deleted in the past and keeps reappearing on my credit report, being either sold or charged off each time they are disputed. The specific accounts I am disputing have made it to the collections section of my credit report which is heavily damaging my credit score. The credit bureaus have failed me as a consumer by not ensuring that the information being reported by them is identified correctly. I am requesting that once and for all these accounts be deleted from 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 non-monetary relief
Consumer complaint received 2018-11-02 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: IL

Complaint narrative:
There are Student Loans from XXXX XXXX reporting on my credit report. I have tried several times to inform XXXX XXXX these are not my accounts, as well as dispute the information and request verification from the Credit Bureaus, with no success.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to get an issue resolved with the bureaus in regards of some accounts that aren't mines, I have been a victim of identity fraud and there has been several situations of unauthorized accounts coming up, the bureaus tell me to send a ftc report to get them remove so they have proof I filed a report. I want these items permanently blocked and removed from my report, I took precautions and blocked my reports added security and fraud alerts for my protection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to get an issue resolved with the bureaus in regards of some accounts that aren't mines, I have been a victim of identity fraud and there has been several situations of unauthorized accounts coming up, the bureaus tell me to send a ftc report to get them remove so they have proof I filed a report. I want these items permanently blocked and removed from my report, I took precautions and blocked my reports added security and fraud alerts for my protection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02 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: IL

Complaint narrative:
There are Student Loans from XXXX XXXX reporting on my credit report. I have tried several times to inform XXXX XXXX these are not my accounts, as well as dispute the information and request verification from the Credit Bureaus, with no success.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are Student Loans from XXXX XXXX reporting on my credit report. I have tried several times to inform XXXX XXXX these are not my accounts, as well as dispute the information and request verification from the Credit Bureaus, with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: GA

Complaint narrative:
I have disputed this account with all # credit Bureaus more than once stating that this company is reporting inaccurate information and they still fail to investigate correctly. My response stated that the accounts have been verified as accurate which is incorrect. I also provided supporting information providing proof. XXXX closed my account on XXXX XXXX and did not give me the right to cure my default with them even though they mailed a letter out stating that i had until XXXX XXXX! Is this the type of practice that you guys allow but expect for customers to hold up their contract if they are not holding up to 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 2018-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
SW Credit Systems L.P on behalf of XXXX has placed a collection on my account that isn't mine. Its identity theft and I've advised them of this multiple times as well as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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:
I have disputed this account with all # credit Bureaus more than once stating that this company is reporting inaccurate information and they still fail to investigate correctly. My response stated that the accounts have been verified as accurate which is incorrect. I also provided supporting information providing proof. XXXX closed my account on XX/XX/2018 and did not give me the right to cure my default with them even though they mailed a letter out stating that i had untilXX/XX/2018! Is this the type of practice that you guys allow but expect for customers to hold up their contract if they are not holding up to my rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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:
I have disputed this account with all # credit Bureaus more than once stating that this company is reporting inaccurate information and they still fail to investigate correctly. My response stated that the accounts have been verified as accurate which is incorrect. I also provided supporting information providing proof. XXXX closed my account on XX/XX/2018 and did not give me the right to cure my default with them even though they mailed a letter out stating that i had until XX/XX/2018! Is this the type of practice that you guys allow but expect for customers to hold up their contract if they are not holding up to 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 2018-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In short, Citibank is holding my online access to my account hostage until I accept and activate a new credit card from them ( the MasterCard discussed below ). Citibank is apparently doing this to all of its customers. Citibank 's behavior is predatory and exploits the disparate bargaining power between it and its individual customers. 

My Citibank Visa card is set to expire XX/XX/2018. Starting in XX/XX/2018, Citibank disabled my ability to login to my account ( via its website or mobile app ) to pay my balance without first accepting and activating a new card -- this one, a MasterCard. Because I was unable to login to my account and pay the balance, I incurred interest charges on the outstanding balance ( ~ {$33.00} ). The same thing happened the following month, incurring an interest charge of ~ {$70.00}. On XX/XX/2018 Citibank 's website again would not allow me to make a payment. I called Citibank to explain the issue and that I should not be liable for interest charges because it was Citibank that was making it impossible for me to make timely payments. I pointed out how I have been a card holder for years and have not run a regular balance in at least four years. I requested that these interest charges be waived. Citibank responded that they would only waive one month 's worth of interest charges and that in order to pay online, I would have to accept and activate a new MasterCard, which it sent me a few weeks ago ( but which I have not accepted or activated ). 

This is effectively stealing from me and leveraging its control over my online account in order to force me into accepting and activating a new credit card. The representative then explained that Citibank was doing this to all of its customers.

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 2018-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management
State: GA

Complaint narrative:
No account number or identifying information other than their name and balance of XXXX I have repeatedly ( for months ) tried to contact XXXX ( XXXX ) who is collecting for a medical debt on my credit report. Everytime I call I reach a recording that states that their hours of operations are Monday to Thursday XXXX XXXX. to XXXX XXXX. XXXX XXXX XXXX and Friday XXXX XXXX to XXXX XXXX   and to please call back during normal business hours and I am calling during business hours. I don't even have so much as a account number. I have tried to contact them through a website I found when researching how others have communicated with them at XXXX. There is no email link to contact them with questions, there is not a search available to find your records within their system so that you could research the bill and resolve. I never received communication from this debt collector on top of all of this. How am I as a consumer supposed to validate and get resolution with zero communication with the debt collector.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jonathan Neil & Associates, Inc
State: CA

Complaint narrative:
I received a letter from someone that appeared to be an attorney 's office ( Jonathan Neil & Asociates ) advising that I owe them {$1600.00}. The letter threatens to suspend my drivers ' license and vehicle registration. This is a fraudulent claim. I spoke to an insurance company previously and advised of what had happened and that I was in involved in an accident. They advised that they would be in touch. I never heard anything back and then received this letter from a company that appears to be a law firm threatening to suspend my license and registration. I have written them asking that they send any proof they have or do not contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/2018 I notified Equifax of inaccurate information reporting on my credit file. I included an FTC Identity theft report along with proof of identity and a letter explaining that I was a victim of identity theft and to please remove the inaccurate accounts. Equifax later updated and stated that the accounts were updated and verified. This is found to be false and inaccurate because how could the companies provide Equifax with information supporting these accounts and the fraud accounts couldn't provide me with any contracts or any viable proof of such accounts belonging to me. Equifax has decided to not follow as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. Equifax continues to report fraudulent accounts on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found several late payments on the dates below : Inconsistent dates below- 30 days late as of XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX ( XXXX ) 60 days late as of XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX ( XXXX ) 60 days late as of XX/XX/XXXX ( XXXX ) I kindly ask that you remove this late payments from my credit report as I am trying to qualify for a mortgage and it is effecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
During the process of securing a mortgage it was discovered that my Chase credit card was showing 5 months past due, beginning in XXXX of XXXX through XXXX of XXXX. When attempting to fix the issue with Chase, they informed me that a half of payment was past due, and carried over into subsequent months, even though I was sending full payments consistently. I was never called, or informed by letter that there was an issue with the account. I was informed that emails were sent instead. Unfortunately these emails went unnoticed due to the volume of spam email I received. I have been a chase credit card customer for several years and I have never missed a payment. Based on my history, I would have expected to receive a phone call or be advised in writing that my account needed to be brought up to date by a half of payment. I corrected the issue immediately upon realizing that there was an issue. However, this incident has had a deep impact on my credit scorXXXX, making it impossible for me to secure a VA mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In XX/XX/2018 I notified XXXX of inaccurate information reporting on my credit file. I included an FTC Identity theft report along with proof of identity and a letter explaining that I was a victim of identity theft and to please remove the inaccurate accounts. XXXX later updated and stated that the accounts were updated and verified. This is found to be false and inaccurate because how could the companies provide XXXX with information supporting these accounts and the fraud accounts couldn't provide me with any contracts or any viable proof of such accounts belonging to me. XXXX  has decided to not follow as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. XXXX  continues to report fraudulent accounts on my credit file.

Company response to consumer: Closed with non-monetary relief