vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
WIFE OMITTED FROM MORTGAGE : 1. All through the application process, the basis for this mortgage hinged on ALL JOINT accounts and an existing Rental property which is in BOTH names 2. Wife & I have existing mortgage ( originated in 2012 ) ( with both names ) WITH WELLS FARGO on another home in XXXX 3. Through conversations with Mortgage Consultant, XXXX XXXX, I wanted the mortgage in XXXX to be the same. 
4. ALL Supporting documentation which was uploaded to Wells Fargo include my wife : 5. JOINT Tax Returns for XXXX & XXXX 6. JOINT Bank Account Statements 7. Rental Property Lease Agreements :  In order to qualify, I needed to prove the property had been rented for the past two years. LEASE AGREEMENT CLEARLY LISTS BOTH ME & MY WIFE AS LANDLORD. 
8. APPRAISAL ( XX/XX/XXXX ) : Lists Borrower as XXXX XXXX and XXXX XXXX XXXX. WELLS FARGO ORDERED THE APPRAISAL I DID NOT. ( Uploaded ) 9. CLOSING DOCUMENTS : Mortgage ( Closing Date : XX/XX/XXXX ) Page 1. Wells Fargo lists Borrower is XXXX XXXX XXXX and XXXX XXXX XXXX Page 14. Required signatures under BORROWER are both XXXX XXXX XXXX and XXXX XXXX XXXX ( Uploaded ) 10. CLOSING DOCUMENT : Preferred Payment Plan Enrollment Form ( from WELLS FARGO ). Asking for signatures from both XXXX XXXX XXXX and XXXX XXXX XXXX. I do not need my wifes signature when authorizing automatic deductions for a utility bill which may be in my name only. Why would they require BOTH signatures here?? ( Uploaded ) Immediately following the closing my wife called XXXX XXXX and requested that her name be added to the mortgage. He was uncooperative, trying to put the blame on me. He actually made the statement ( and laughing ) that even his wife was not on HIS mortgage.which was a very sexist remark. 
Through the following weeks, this issue got handed off to different people who never offered a solution other than to initiate another refinancing-swept under the carpet. 
More red tape and bureaucracy developed when my wife called to get information regarding the loan & application. Well, since she was not on the mortgage, Wells Fargo would NOT speak to her until I signed a form authorizing her access. XXXX XXXX and ALL OF WELLS FARGO MORTGAGE OFFICERS KNOW THINGS LIKE THIS WILL HAPPEN. WHY DONT THEY PROTECT THE WIFE??? Just like it is written in Luke 26 : 46-47, Beware of the scribes, .. who devour widows ' houses I have also spoken with several Customer Service representatives, getting nowhere.

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 2018-10-25 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: CA

Complaint narrative:
I have been turned down living circumstances and other financial services because experian and XXXX XXXX XXXX all 3 agencies have been contacted to no avail. Information on reports is past the reporting periods even bankruptcy. 

They were told they could receive fines but just hang up. There are addresses that are not mine and names. 

Ive even paid agengies. But having a denial of a place to live is now causing me great personal harm

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 2018-10-25 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: CA

Complaint narrative:
I recently obtained my credit report. I noticed some inaccurate information being reported. I submitted a dispute and the item was removed from XXXX and XXXX. I sent a copy of the results to Equifax. Under the FCRA all information is to be shared between the three credit bureaus if any information is found to be unverifiable. inaccurate or incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
I have contacted GM several times over the past year regarding online bill pay issues and my issue has never been resolved. In the past year, the payment system had issues, went down, reported the incorrect amounts due, the auto pay stopped working for us on only 1 of our accounts ( we have 2 loans through GM and money is taken out of same bank account ). At one point for 2 months, I received a message through the online portal that the system was experiencing issues and " nobody would be charged a late fee or be reported to the credit bureaus ''. This was a lie. 

I have attempted to resolve this issue several times with no success due to never being able to figure out what the issue is with the customer service team. Now my credit report states that I have been late in XXXX, XXXX, and XXXX. I have another account through GM with the same bank account, and have never been late. This account is the only one I've had issues with and getting them resolved seems impossible. My perfect credit score has been ruined from this experience. The lack of customer service is appalling and uncalled for. I just spoke with a woman on the phone who did not listen to a word I said and basically told me I was lying about what I was telling her and arguing with me at every turn. Instead of trying to understand, she just kept interrupting me and finally I asked to speak with a manager. I was transferred to XXXX who was equally as unhelpful. 

Previously, last week on XX/XX/18 I spoke with a man in customer service who told us that the past due amount was {$40.00} and we could pay it online and all would be fine and all would be caught up and if we disputed the issues on the credit report, he would enter a note so that the errors were corrected. He never said that we had a past due PAYMENT. We paid the amount of {$40.00} and now the system says we owe over {$1000.00}. I can not seem to get a straight answer of what happened or where the error occured because I'm not being heard. Because of this, my credit score has been affected and I believe that is unfair due to the fact that I have been calling in and communicating via the online system and still am having issues that clearly haven't been resolved. This is one of the worst experiences I have ever had paying any of my bills. I'd like to have this resolved immediately however the only thing I am hearing from the customer service department is " I understand, there's nothing we can do over the phone. '' The manager also said she wasn't responsible for what her employees say and told us he failed to write notes in the file based on promises that were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Applied and approved for {$2500.00} XXXX card in XXXX after moving. Have never received a card or a bill, called in late XXXX, new card issued, again never received. Can't make a payment as I don't know my account number. Can't get account number from XXXX, they won't issue it without the card. 0 late payments on my credit report now tainted. I just want a card issued, late charges removed so I can pay my bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-25 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: CA

Complaint narrative:
I have been turned down living circumstances and other financial services because XXXX and trans union XXXX all 3 agencies have been contacted to no avail. Information on reports is past the reporting periods even bankruptcy. 

They were told they could receive fines but just hang up. There are addresses that are not mine and names. 

Ive even paid agengies. But having a denial of a place to live is now causing me great personal harm

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 2018-10-25 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: CA

Complaint narrative:
I have been turned down living circumstances and other financial services because XXXX and XXXX XXXX eqifax all 3 agencies have been contacted to no avail. Information on reports is past the reporting periods even bankruptcy. 

They were told they could receive fines but just hang up. There are addresses that are not mine and names. 

Ive even paid agengies. But having a denial of a place to live is now causing me great personal harm

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: CORELOGIC INC
State: FL

Complaint narrative:
since XXXX, these companies have been pulling my credit putting hard inquiries on my credit without my authorization. 

According to my most recent credit report, the companies are currently reporting to the three credit bureaus that I had applied for credit with their organizations. I do not recall granting them authorization to review my credit report. If so, they should provide signed documents signed by me where i authorized them to do so. 

Otherwise, they have to remove it as soon as possible. 

These inquiries have affected my credit dramatically. since XXXX, i've been sending dispute letters to them through the bureaus ; i've contacted them by phone, but still they haven't taken any action. 

These companies have requested a copy of my report without my consent. 

These are the following UNAUTHORIZED AND INACCURATE credit inquiries ( Validation is needed ASAP ) : XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX   TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX  TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX   TANGIBLE PROOF NEEDED ASAP XX/XX/XXXXXXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX Credco TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Credco TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX   TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX. 

XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX  TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX  TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX.

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 2018-10-25 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: OH

Complaint narrative:
I have a complaint issue over my Public record it is not accurate. The bankruptcy is listed wrong error please delete 609 FRCA and 611. I have addresses that are not mines or possibly belong to family member. please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2018-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is my 2nd complaint with the cfpb about Wells Fargo for the same issue. There was fraud on my account. I did not commit the fraud or benefit at all from the fraud. Wells Fargo continues to refuse to give me more information about the transactions that occurred in regards to the time/date so that I can better prove that I did not commit these transactions. Wells Fargo 's response has been continually as follows : After careful review of our records, our Fraud Department 's review of your claim was denied, and as such, you are responsible for this account and it's balance. The company ( Wells Fargo ) did not contact me at all in regards to the additional documentation that I have provided them through 5 appeals, 1 x cfpb claim, etc. They continually rubber stamp my complaint as denied. I do not have the ability nor know what I can do next, and need help. I was told specifically that because they initially marked my fraud case as " card stolen '' and that there was not a police report that they were denying the case. The police department told me that they do not take cases like this, since i'm not the party that lost the money. I was told that I had fraud protection on my account, and as such, I want the account balance to be waived. If you can provide me the time/date of the transactions, I can also submit additional information and proof of my own location at the time of the transactions to help prove that I was not party to those fraud transactions.

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 2018-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: SD

Complaint narrative:
On XX/XX/2018 we deposited a substantial check from a County Department, in person, to an employee at a US Bank during business hours. Because we were 11 minutes past their cut-off time the check was marked as deposited in our checking account on XX/XX/18 at XXXX. We called US Bank on XX/XX/XXXX and XXXX and both times were told we could not access our money. On XX/XX/XXXX we also checked with a County Finance Officer and were told the funds had been withdrawn from their account in XXXX XXXX. We also received a letter from US Bank dated XX/XX/18 that stated a hold had been placed our deposit because " we had information that leads us to believe that the check may not be paid ''. The cash was finally made available to us on XX/XX/XXXX. We had no prior knowledge of the bank 's cut-off time or that the amount of the check would require a longer check hold. We understood that a government check should be processed in a day. We've had an account with US Bank for over 30 years and never had a problem so we were very disappointed with this transaction.

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 2018-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX is harassing my husband giving out my personal information which is not legal. I want it stopped immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
FRAUD VICTIM. My bank on XX/XX/XXXX ran a report for business reasons and right after that 14 hard hits appeared I contacted all hard hits. I contacted XXXX XXXX  XXXX Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and told them I di n't authorizes these I sent in the letters and contacted the companies as I could not answer some of the questions was told they could or would not investigate and referred me back to credit report companies. 
This is the information that was found who tried to use my ID From my FIC report RECORD CREATION DATE XX/XX/XXXX EMAIL ADDRESS XXXX USER PASSWORD XXXX ID XXXX UPDATE DATE XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
FRAUD VICTIM. My bank on XX/XX/XXXX ran a report for business reasons and right after that 14 hard hits appeared I contacted all hard hits. I contacted XXXX XXXX XXXX  Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and told them I di n't authorizes these I sent in the letters and contacted the companies as I could not answer some of the questions was told they could or would not investigate and referred me back to credit report companies. 
This is the information that was found who tried to use my ID From my FIC report RECORD CREATION DATE XX/XX/XXXX EMAIL ADDRESS XXXX USER PASSWORD XXXX ID XXXX UPDATE DATE XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX  called about a debt for an apartment. We understood and asked to make payments. The representatives were rude and were not cooperative. They refused to help us and assumed that we should be able to pay the full amount. They also said that they would make sure this would stay on our record for 7-10 years as they are close with the Crediting Bureau. 

When were then continuously put on hold. When we tried calling back they were harassing and wanted to much personal information. They continued to be harsh and unwilling to work with us.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have proof that Navient has victimized me and most likely others. Please see attached as proof. I was able to print screen what they are trying to do to me and others. If they do this to all of, their clients thinking a client will miss such a small difference, they are raking in millions of dollars. While I was on the call questioning them raising my payment/forbearance without my consent, miraculously put me on hold and kicked me out of the system. Too bad for them I already had screen shot everything. Please see attached. This is egregious behavior. Talked to Navient and requested info on XX/XX/18 at XXXX XXXX  for 40 minutes 20 secs. To find out why my due date was pushed back a month without authorization from me, and asked why my payment increased. They answered that company policy is that they are giving an extra month of forbearance as a courtesy without authorization. I interrupted and said I didnt request another forbearance. Rudely representative stated sir, you are not listening, I just told you this was a courtesy. I explained by doing that, they increased my interest and increased my payment {$9.00} a month as well as my balance. Requested information in writing on why they increased my payment. I was told I will receive by XX/XX/XXXX and dont make payment until then. I asked what is my actual payment right now. Representative stated new higher payment. I have screen shots in two different sections of my account summary as proof. Questioned them, put me on hold, then all of a sudden information disappeared. Fortunately I screen shot before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: OH

Complaint narrative:
I have a complaint issue over my Public record it is not accurate. The bankruptcy is listed wrong error please delete XXXX FRCA and XXXX. I have addresses that are not mines or possibly belong to family member. please remove the following items. 
XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: OH

Complaint narrative:
I have a complaint issue over my Public record it is not accurate. The bankruptcy is listed wrong error please delete XXXX FRCA and XXXX. I have addresses that are not mines or possibly belong to family member. please remove the following items. 
XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH 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