vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
In XX/XX/2017 i was informed my wells fargo account was closed. I didnt think anything of it and I accidently left my debit card at house i had been living at with some roomates. The roomates knew my pin. Apperently my tax returns from that year were deposited into the account becasue the account wss actually not closed. The roomates theb spent my entire rax return and over drew my account. I was not infromed of any of this till 6 months later i get a call from a debt collector. I then call wells fargo and was told my account was XXXX $ and had been closed. I told them that my card had been closed and they informed me of the tax returns being deposited but they couldnt see what it was spent it on or how my account was overdrawn, that i would have to go to bank to get myblast transactions pulled up.The bank did not help me at all. I then tried to search for my debit card abd could not find it. I tried to contact my previous roomates but they seemed to have disappeared and moved from the house that we all lived at.

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 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I had a bill with XXXX that went to collections. It was on my report for over 7 years and dropped off. Then came back with a newer date. It is through XXXX XXXX c/o

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: MI

Complaint narrative:
As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for XXXX XXXX to provide you with a remedy, I conditionally accept your offer upon verifiable proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to XXXX XXXX/Notary for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Executive Vice President and Chief Financial Officer failed to rebut, address, answer or respond to Conditional Acceptance Upon Verifiable Proof of Claim, USPS Certified # 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 2018-04-02 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: MI

Complaint narrative:
As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for XXXX XXXX to provide you with a remedy, I conditionally accept your offer upon verifiable proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to XXXX XXXX/Notary for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Executive Vice President and Chief Financial Officer failed to rebut, address, answer or respond to Conditional Acceptance Upon Verifiable Proof of Claim, USPS Certified # 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 2018-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am the cosigner on a loan with Nelnet. On XX/XX/17 the primary borrower made a payment to the account for the amount of {$560.00} and received confirmation from Nelnet that the payment was processed. Approximately 3 days later Nelnet informed the borrower that the payment did not go through and that he would need to re-submit, which he did. He again received a confirmation that the payment went through ( and this time showed me the confirmation, which included a confirmation number ). At the time he received the confirmation ( with the confirmation number ), the payment was still within the 90 day window before they would report a delinquency to credit agencies. 

Nelnet replied back to the borrow approximately 4-5 business days after the borrower submitted the payment letting him know that the payment was unable to be processed and that he would need to resubmit payment. What they did not communicate is that they also reported the payment as delinquent to reporting agencies, causing my credit score to plummet. What I feel is wrong about this is that the borrower was actively working with Nelnet to make the payment and received a confirmation number twice indicating the payment went through and yet they have now permanently damaged my credit score as a result. The issue is that they gave us an incomplete picture of the state of the payment ( nowhere in the confirmation image does it mention the payment is still pending and in fact it contains a button that says " print for your records '' which causes the user to think that the payment has completely gone through )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have repeatedly tried to get the issue resolved of a XXXX payment for a year. They originally gave me my money back, then took it away causing over 1000 dollars in the negative. XXXX records show that they still charged the owner of the account the funds they pulled from my bank. I've tried getting them info from XXXX and they never seem to notate my account or resolve the issue. I've waited a year for them to fix 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 2018-04-02 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: NC

Complaint narrative:
The account XXXX XXXX was previously closed and removed from my credit report as of XX/XX/XXXX, I double checked on XX/XX/XXXX and it was Closed and removed the same day. How ever the Credit Bureau Transunion and XXXX have Reinserted this Unverified Collection that was previous deleted. I have written multiple documents to both creditors as well as contacted the collector who could not substantiate this collection which is why it was deleted it has been disputed and no help has resulted in 4 months Per 15 U.S. Code 1681i - of the FCRA ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which was never done so this should be deleted as it initially was when it was not verifiable

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 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: NC

Complaint narrative:
I am filing yet another complaint to be more clear this time. I received a copy of my annual credit report in XX/XX/2018 and notice two large outstanding collections on my reports one for {$1200.00} and another for {$6600.00}. I immediately sent out VALIDATION letter to this company, to which they replied with a list of damages and a lease. The lease was for an XXXX XXXX. I informed the company that this was not me, nor have I ever been known by this name and that they are reporting inaccurate information on my credit. They then responded with a hand written " deposit slip with my first name, XXXX and the last names XXXX. ( Still not my legal name ) I was told that the sure deposit links it to me and the lease was a typo made by the original creditor but the debt was intended for me whatever my " legal " name was. I'm getting no resolution for this. The sure deposit they supplied me with isn't a legal binding contract itself nor does it even have an apartment number on it. The lease they suppiled me with isn't mine. THIS IS LEGALLY. Reporting INACCURATE INFORMATION ON SOMEONES REPORT IS ILLEGAL. They have FAILED to probably VALIDATE the debt owed, which is a very clear violation of my rights under the FCRA. They told me to fill out some paper work and get a police report but they would still be reporting, I should not have to jump through hoops for something that seriously DOESNT EVEN HAVE MY NAME ON IT. This has put me in an extreme bind as my credit is important to me and it looks bad. 


I'm attaching the sure deposit and the lease only as those are the only things relevant. The damages is just a bill and the " application " are both not significant enough or considered validation for a debt. Please note the difference in the writing and the signatures. Neither are mine. Please also note the sure deposit is not a legal binding lease and isn't proper validation either. Lastly, the lease does not mention me on it at all. 

I will be reporting and filing a complaint with every outlet possible, because I'm sure I'm not the only person who has fallen victim to their ILLEGAL collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection
State: CA

Complaint narrative:
We never received any written notifications, phone calls, or messages from a company named Perfection Collections before they showed up on our credit report on Friday, XX/XX/XXXX as an outstanding debt. After some research, we found out that they are a debt collector for XXXX, a security service we used back in XX/XX/XXXX-XX/XX/XXXX, for a house we owned in XXXX XXXX, NV. We discontinued service by not signing an extended service agreement after our two-year service agreement ended and because they never responded to an intruder in the house and hired a new security company to provide services to the home. We between the years XX/XX/XXXX and XX/XX/XXXX, we have written several letters and e-mails to XXXX inquiring as to when they will clear out our account of the XXXX dollar ( {$55.00} ) security fee they charged us for what they state was something that was due to us causing the alarm to sound. However, they are responsible for providing security services and did not do that in a timely manner thus leading to another security company responding and our neighbors responding to the intruder along with the local XXXX XXXX Metro Police Department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: NC

Complaint narrative:
The account XXXX XXXX was previously closed and removed from my credit report as of XX/XX/XXXX, I double checked on XX/XX/XXXX and it was Closed and removed the same day. How ever the Credit Bureau XXXX and Equifax have Reinserted this Unverified Collection that was previous deleted. I have written multiple documents to both creditors as well as contacted the collector who could not substantiate this collection which is why it was deleted it has been disputed and no help has resulted in 4 months Per 15 U.S. Code 1681i - of the FCRA ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which was never done so this should be deleted as it initially was when it was not verifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY

Complaint narrative:
The attached letters ( To Wells Fargo2 in particular explains the situation in full ) was composed and sent to Wells Fargo in 2008. They refused to acknowledge it and never refunded the money ( Except as described ). Their fees were unjustly and incorrectly applied, and designed to extract extra money ( ie. Applying fees not in transaction order, but from largest to smallest ). In this example, I could have fairly been charged one OD fee of {$34.00} if they had charged me in transaction order. Instead, they extracted around {$170.00} in fees by sending me into overdraft as quickly as they could. 

Earlier " mistakes '' they made caused me to have a lower balance than I otherwise would have, and this led to other overdraft fees and other penalties. 

I recently found this post and so am trying again to get a fair outcome.

XXXX XXXX XXXX   ) It h
as been 10 years and this account is long closed, but all relevant documentation was provided to Wells Fargo at the time. 

The name on the account was XXXX XXXX XXXX and the details at the bottom of the account were correct at the time.

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 2018-04-02 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to challenge the reporting and compliance on an account with case I.D . XXXX XXXX, with XXXX XXXX XXXX that is being reported with incorrect/missing info. My balance is XXXX and XXXX XXXX have been reporting wrongly and destroying my credit report with it. All effort to get them to comply has been fruitless. The account was disputed because of an unauthorized transaction, yet XXXX XXXX kept reporting it as verified without providing any evidence to who verified it or traced it and with what method. This account demand investigation on the unauthorized transaction on XXXX of XX/XX/XXXX, and XX/XX/XXXX. If the account can not be correct, I request XXXX XXXX to delete all negative entry. I request a full credit for this unauthorized transaction. 

More specifically, I am referencing the fact that you are reporting an incorrect high balance which was as a result of the unauthorized transaction. 
Your improper procedures are highly damaging to my credit score. Please immediately delete this item and correct it. I request a full investigation and if unsatisfied that a new credit card account be processed immediately and sent to me.

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 2018-04-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This complaint is to inform the CFPB that Wells Fargo lied in a email inquiry sent from the U.S Treasury. The following is a copy of the email inquiry which Wells Fargo confirmed the complaint was Valid & Accurate. Wells Fargo also Accepts responsibility and admits liability. Wells Fargo also offers 2 resolutions to resolve the complaint in response to the Treasury 's question of " provide recommendation for resolution '' Neither of which Wells Fargo pursued. instead the foreclosed on my home. 
I ALSO HAVE & OTHER EMAILS FROM WELLS FARGO YOU WOULD LOVE TO SEE " Associated Risk : ( Provide facts and/or customer statements regarding their situation that may pose a risk to Wells Fargo. ) We quoted terms at the time of the TPP approval on XX/XX/XXXX. Indicated these would be the terms of their modification. When the permanent HAMP Mod was approved the terms were drastically different due to the investor restrictions and length of time it took between the TPP and Perm Mod. 

Timeline Highlights : ( Most important, relevant events from timeline which are essential to resolution and response. Use Timeline on page 5. ) Approved HAMP TPP on XX/XX/XXXX Quoted terms to customer. Indicated terms were set Title issues completed XX/XX/XXXX Approved HAMP Mod on XX/XX/XXXX Drastically different terms than previously quoted Recommendation : ( Provide your recommendation for resolution, including but not limited to SPOC engagement and decision review ).

Buy down principal Repurchase the loan so we can approve a mod with similar or better terms than quoted. 
Already assigned OOP SPOC '' Also please take notice of the following which CONTRADICTS Wells Fargo response to the US Treasury DOCUMENT 70 from the  below case. 
Federal case number Case 6:16-cv-01919-CEM-GJK DEFENDANT WELLS FARGO BANK, N.A.S MOTION FOR SUMMARY JUDGMENT AND INCORPORATED MEMORANDUM OF LAW iii. Count V Fails To State a Claim For Negligent Mortgage Servicing " Even if Plaintiff could establish a legal duty, which Wells Fargo denies, the undisputed evidence is clear that Wells Fargo properly handled his Fourth and Sixth Modification Applications. Specifically, Plaintiff contends that Wells Fargo offered Plaintiff three different and contradictory loan modifications : ( 1 ) an Original HAMP Modification ( see Sec. Am. Complaint at 30 ) ; ( 2 ) an Oral Modification ( see Sec. Am. Compl. at 31 ) ; and ( 3 ) a Non-GSE HAMP Modification ( see Sec. Am. Compl. at 39 ). As was made clear during his deposition, Wells Fargo offered only one loan modification to Plaintiff the Non-GSE HAMP Modification.

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