vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I 'm sending this email with regards to poor customer service experience I had on Friday XXXX XXXX. 

I was calling into Wells Fargo Customer Service to inquire about a over draft transfer fee I received on XXXX/XXXX/15. 
My concern is on XXXX/XXXX/15 at XXXX CST a Wells Fargo to Wells Fargo deposit was made to my account which would have added to the {$100.00} available balance that was already in the account and would have been more then sufficient funds to cover the monthly automatic debit for {$53.00} charge in which I incurred the over draft charge. Wells Fargo should have posted this deposit immediately given that it was a Wells Fargo to Wells Fargo transfer. 
Later on that afternoon I went to the store around XXXX XXXX CST which is the XXXX charge they also posted before posting the deposit. 

My point here is that Wells Fargo once again maliciously posted debits before the deposit in order to get the over draft charge. This is happens too frequently to my account when I have bills set up on auto pay they will wait until the funds are low and post them all at once which causes me to over draft my account with a pay day pending. I have had to stopped any automatic debits to this account except those I could not halt. 

In this instance my deposited funds were pending for an entire day and do not show posting until XXXX/XXXX/15 ( the following business day ) how is this possible when it is coming from another Wells Fargo account? 

When I contacted customer service to ask my questions I was told by the first CSR that they did n't have the ability to see the time of the posting therefore I would have to talk to the online banking department. I was transferred to a woman around XXXX XXXX I explained my situation to the analyst ( My error in not writing down her name ) and she could not explain to me the times the funds posted ; she did however, hang up on me after I became frustrated with her circling around and not answering my question as to why the deposit made on XX/XX/XXXX was still showing pending. Her words were " thank you for calling have a nice day '' and she disconnected the call. At no time did I indicate my conversation was finished. To further my frustration when I called back in attempt to get the name of the CSR that hung up on me and spoke to another CSR XXXX who states he can not view who I was speaking with at which point I asked for a supervisor the supervisor XXXX XXXX then got on the phone did not ask the reason for my call did not greet me in a professional manner but instead was very unprofessional and advised me that she was heading into a meeting and would have to call me back. I have yet to receive a call back from XXXX. 
I have been a customer of Wells Fargo bank for almost 17 years and am in complete dismay over this ordeal. I will be closing both of my accounts with Well Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had Home Equity line loan from Wells Fargo, which was discharged through Bankruptcy Chapter XXXX, Bankruptcy was filed in XXXX and discharged in XXXX. Wells Fargo is reporting it to the Credit Reporting Companies after the bankruptcy discharge date in XXXX. The last reporting date is XXXX. This is negatively impacting my ability to secure Re-financing of my house. Reporting after the discharge date should be deleted from my credit reports. However, they can report it before the discharge date in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
please help me to come to a resolution in this matter, i have been a victim of ID theft and several accounts have been used on my behalf, i have already disputed this matter with all XXXX credit bureaus but so far no help from their end, i will be attaching my police report that i have inquired from XXXX XXXX police department along with the FTC application. 
please follow this issue with them thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
The borrower, XXXX XXXX was approved for a XXXX My City trial modification in XXXX 2015, to be completed XXXX 2015. He successfully completed the trial and has been waiting for the last 4 months to get his final modification documents. This is the XXXX client I 've had with Seterus that has experienced a ridiculously long delay in receiving final modification documents. This is also the XXXX complaint against Seterus that I have filed with CFPB. The standard turaround time for permanent modification documents is 30-60 days. I checked with XXXX and they confirmed that it is up to the servicer to create the modification documents and then it 's forwarded to the investor for approval. Seterus has n't even gotten to that part of the process yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because Equifax has ignored to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30 day mark and can not verify this account, under section XXXX ( XXXX ) ( A ) of the XXXX they are required to " ... promptly delete all information which can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Equifax for refusing to remove a public record account that does not belong to me on my credit report. I have a written statement from the creditor supporting my claim. Equifax is confusing me with another " XXXX XXXX '' who has a different social security number. 

Dealing with this credit reporting agency has been a nightmare because no investigations have ever been made to prove that this belongs to me. The letter I have from XXXX XXXX XXXX XXXX clearly states that the account belongs to a man called " XXXX XXXX XXXX '' and that is not my name. My name is " XXXX XXXX XXXX. '' I filed a complaint before through this portal only to receive the following response from Equifax : " Equifax has reviewed your complaint and its records regarding your dispute. The Judgement case number ending in XXXX has verified name and address to be correct as reported on the credit file. '' The above response is what I have been receiving for MONTHS and is unacceptable. Why did I have go to these lengths to contact the creditor myself to prove that this is not mine? I want this complaint to be viewable by other consumers on the CFPB so they can see the utter disregard of the law this company employs in its practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX fraudulently reported a foreclosure for a XXXX mortgage that never existed. I never received notification of any kind on this account. I never took this loan with XXXX. XXXX has not produced actual signed papers proving that I took this loan. Unfortunately I have no supporting documents because there are none. I am a XXXX Veteran and was suffering from XXXX at the time I took my {$140000.00} mortgage. All of the problems with XXXX were originally caused by my need for a XXXX XXXX. XXXX abused their authority by fraudulently promising a mortgage modification and dragging the results out for three years. The end result is a predatory loan that was originally {$140000.00} and is now {$160000.00} and is {$100000.00} underwater. My modified loan is 24 years at 3.75 % and at the end of 24 years I get to make a balloon payment of {$100000.00}. I paid a lawyer {$5000.00} to represent me in this modification. Any reasonable person would never deal with XXXX if they knew the rules and procedures XXXX employees have to follow. XXXX is responsible for ruining at least seven years of my life. I am now XXXX and I can not afford to have this financial predator to continue to abuse me. I think it is a shame that the credit bureaus are allowed to keep derogatory reports for seven years. People do n't do seven years for XXXX in this country. If it were three years I think the economy would blossom. Also at the time of my modification XXXX promised to remove all the late payments that they were responsible for. I was told not to pay because my modification was on the horizon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I originated a Mortgage Loan with XXXX XXXX XXXX in XXXX XXXX, filed for Bankruptcy in XXXX XXXX, and the loan was discharged. The lien survived and was attached to the property. XXXX XXXX XXXX has been reporting inaccurately on my credit report, they are reporting Date Reported XXXX XXXX, this has to change to reflect the Bankruptcy Discharge of XXXX XXXX. I have attempted to resolve this issue for over a year and nothing has been changed. The inaccuracy has been effecting my credit and have not been able to obtain better credit offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried repeatedly to have my security freeze temporarily lift. Equifax refuses to lift it. I have supplied them the PIN #, my drivers license, social security card, and bank statement. I have also paid the required fee. I am unable to obtain credit due to Equifax system issues. I have called them repeatedly. I got no help from their call center in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I never lived outside the state of XXXX except for when I was in the XXXX and then it was not in the state of XXXX. XXXX was in XXXX and my XXXX was in XXXX and I was XXXX in XXXX. I never lived in XXXX. I reported this to the credit bureau once before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have been trying to get a copy of my credit report from equifax for months. I tried annual credit report.com no such luck it told me I did n't answer the questions correctly. Which tells me something is on it that should n't be because the questions were about mortgages and I do n't have a mortgage. I have called them. Did n't get anyone that I could understand and I sent in a form and got it back telling me I did n't send ID and attached to the form is a copy of my ID. I tried to sign up for the plan at equifax.com and get it online. no such luck. I 've also tried for several weeks to get the pin number to remove the freeze from several years ago. No such luck there either. I keep getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
this is an account that should be of my report years ago. I contacted the state that started and closed this account. They state the account is closed, no balance as of XXXX. And, they are not reporting to any credit agency. I disputed this account with Equifax in XXXX 2016. There investigation reports, that this account will be removed 7 yrs after the account is closed with zero balance. So, it should n't be on my report as of XXXX 2016. So, I do n't know where to turn to get this resolved and its keeping my score down

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Someone is able to open accounts in my name from cell phones, autos and even a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Why is this account in my credit report? It was paid in full in 2013. XXXX is ruining my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After looking over my credit report I see the information is being reported wrong. So, I like to have the information reporting correctly on my credit report file. I had an account with XXXX XXXX that I paid off in full. But it is not being reported as so on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have already filed a complaint against this, but it is still not resolved. 
The XXXX companies, XXXX XXXX and XXXX XXXX XXXX ( XXXX ) have both requested that the inquiries be removed from my credit report because they are a result of identity theft. Equifax refuses to remove the inquiries, even after I have disputed the inquiries multiple times. I have attached my denied dispute and highlighted the XXXX inquiries that have been requested to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have called Equifax on several occasions since XXXX and disputed items over the phone. To no avail. they continue to report inaccurate information on XXXX, re-aged accounts. Accounts that I have no knowledge of the debt. Debt aging back to 2009. I have sent them a certified letter in re-gards to the inaccurate reporting. They have damaged my credit rating and I have been unable to obtain a mortgage or new credit. This has cause me distress. They have lowered my credit score to XXXX when I have XXXX open accounts in good standing for almost a year. They refuse to acknowledge this and report a better credit score. They have really hindered me. I have tried unsuccessfully to get results from them. My next step is legal action. So I am reporting my claim to you as well and will disclose my final attempt for them to correct the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed this information with Equifax in which the results of their investigation is that the infomration is reported correctly. I disputed the information and asked that it be removed because the plantiff vacated and dismissed the judgement. I have a letter from the attorney with the proof that this judgement is not correct. How is that equifax investigated and did not know this information. This proves that Equifax has been bias with investigation and has not been investigating correctly. They are leaving a judgement on my file that is hurting my credit report and refuse to remove it even when it 's being vacated andl dismissed by the plantiff.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All Medical bills Since 2000 are not my responsibility as they were either paid through workman 's comp or through Medicaid and Medicare. They are trying to collect more money than what has been agreed upon through the contracs they have with these agencies. I have receipts from BC/BS ( My HMO or through other HMO 's which is part of Medicare A and B.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC.

Complaint narrative:
Equifax continues to breaks the laws and commits numerous FTC violations regarding my credit file. I opt out from promotional inquires XX/XX/XXXX. I placed a credit freeze on my file XXXX XXXX. Not only have Equifax allow my credit file to be pulled by unknown companies last year Equifax continues to allow companies to pull my file after the credit block was place on my file. Equifax is XXXX of the reason I believe that my credit file has been compromise, stolen and misuse. Equifax does not protect my information. I continue to receive offers from third party companies because of this lack of security and protection of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
My ex-husband remarried and his new wife 's name is XXXX XXXX XXXX. They lived in the same house he and I lived in 6 years ago. For the past 2+ years Equifax has been allowing her negative accounts to go onto my credit report. I have contacted them numerous times about making the companies provide the middle name and social before placing on my report. They keep telling me to file dispute after dispute and contact said companies myself. I was under the impression that credit reports were secure and no one else would have access to my information. Equifax is the only XXXX of the XXXX companies that allow inaccurate information on my report. I am also worried that my account information is being placed on her report giving her access to my financial information. Is there any action I can take to force them to stop allowing the erroneous information on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX unjustly report at me late I sent evidence from freedom mortgage to the credit bureau showing that I had made my payment on time they refused to take it out of my credit report stating that XXXX does n't want to remove it so they 're unwilling to remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I received a letter from XXXX XXXX first advising that due to change in credit score decreasing credit limit. XXXX XXXX just sent the exact letter that XXXX XXXX sent with a credit score of XXXX. It appears that Equifax is the credit reporting agency. XXXX has advised that there has been no suspicious activity however Equifax has continued to report out this wrong information. I do have a copy of credit report from XXXX which does not show anything to support this low score from Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Received credit disclosure information from the XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 and noticed that ( XXXX ) a huge discrepancy in credit scores and the credit bureaus continue to report identical key factors that adversely affected my credit scores. The exact key factors appeared on a disclosure of credit score information XXXX XXXX, 2016. I have written to the credit bureaus disputing these key factors, with XXXX response. Credit bureau asked that I be more specific. I replied that according to the disclosure information no specific accounts were included in these adverse key factors. I can only dispute what was presented to me. I find their comments totally absurd. A review of several credit reports does not reflect these horrendous key factors. 
There are no serious delinquencies. Public Records was a chapter XXXX bankruptcy dismissed and has been removed from XXXX of the XXXX credit reporting agencies. There are no accounts with delinquencies which makes the length of time nonexistence. The time since delinquency is too recent or unknown. This is a bogus comment with no supporting data.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has failed to add my XXXX bank mortgage account on my credit report after I have provided proof to this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE SENT IN NUMEROUS CERTIFIED MAIL TO ALL XXXX BUREAUS IN REGARDS TO IDENTITY THEFT I SENT THEM MY IDENTITY THEFT AFFADAVIT # XXXX NOTARIZED AND STAMPED I SENT IN CONSUMER FINANCIAL PROTECTION BUREAU # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The accounts in question are XXXX XXXX ( XXXX ) The statue of reporting has expired as of XXXX/XXXX/XXXX and it remains on my credit report. 
XXXX XXXX ( XXXX ) The orginal account was charged off since XXXX XXXX and both accounts are reporting and its passed the staue. 
XXXX ( XXXX ) Reporting pass the statue.Original delinquency wasXX/XX/XXXX

Company response to consumer: Closed with explanation