vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2018 I went to apply for an auto loan with a dealership known as XXXX XXXX XXXX having good credit, I allowed them to run my credit once, and they ran it four times, once through the dealership and three through various banks. So, my credit score dropped from a XXXX to a XXXX with TransUnion as a result. I did not content to them running it multiple times and am upset since I was under the impression it would just run once. Any recourse? 


XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX is the various banks that have placed hard inquiries on my credit profile.

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 2018-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I checked my credit report and noticed a debt with a collection agency XXXX XXXX XXXX. I disputed the debt in XX/XX/2018. I stated I have no knowledge of this account and that I have been a victim of identity theft. On XXXX XXXX the police dropped off a summons showing XXXX XXXX XXXX purchased this debt from XXXX XXXX XXXX who purchased from XXXX XXXX who purchased from XXXX XXXX XXXX who purchased from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MRS BPO, LLC
State: MI

Complaint narrative:
Company : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX Myself and my brother have spoken to the representative XXXX XXXX XXXX and her Manager, I've tried on several occasions to setup a reasonable payment plan with this company and their representatives and they refuse to allow me to setup a plan, First XXXX XXXX stated that I would have to put down {$3000.00} and then start a payment plan and then I spoke to her supervisor ( I can't remember her name ) and she advised that I would have to put down a {$1900.00} deposit then pay {$130.00} a month. This conversation was onXX/XX/18 at approximately XXXX EST. I spoke to XXXX XXXX approximately XXXX on XX/XX/18 attempting to setup a payment plan and she was really rude and told me that she couldn't tell me anything about the loan because it was in default and my brother XXXX XXXX XXXX the co-signer on the loan, XXXX XXXX XXXX me that she spoke to my Sister n ' Law XXXX XXXX XXXX is not on my loan at all, I spoke to my Sister n'Llaw XXXX XXXX and she advised me that XXXX XXXX advised her of my loan information, she stated that XXXX XXXX told her my loan terms, when it went into default, how much I owed, how many payments I was behind and when it went into default. My sister n 'law is not on this load at all and should not have received any of this information from XXXX XXXX XXXX XXXX XXXX While speaking to XXXX XXXX on XX/XX/18 I advised her after she told me that she had spoken to XXXX that she was to not tell her anything about my loan and she stated that I didn't have the authority to tell her who she could and couldn't speak to about the loan, by this time we were arguing and I told her that I just wanted to setup a payment plan and she said that she couldn't tell me anything about the loan and that I had to have my brother contact them to setup a plan. 

I've tried to setup a payment plan with this company and they will not allow me to setup any terms that are reasonable and affordable, plus they violated my privacy by telling a 3rd party that isn't in the loan all my private loan information. 

Please help with this situation. 

Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
OnXX/XX/2018 a short sale package was sent to this lender as homeowner 's are unable to afford their mortgage due to financial hardship and separation. XX/XX/2018 an offer was received from an investor and the Offer as well as est HUD & proof of funds were sent. By XX/XX/XXXX the file was advised it was sent to short sale department and 2 BPOs/appraisals were conducted and completed. XX/XX/XXXX The investors/buyers agreed to extend while the file was still being reviewed and sent to a negotiator to counter/accept. ByXX/XX/2018, upon speaking with lender 's loss mitigation department, they advised the short sale was closed out as they did not have a divorce decree!! I explained to them that both parties are on board to short sale and chose this loss mitigation option to ensure they do not experience a foreclosure. I inquired why a divorce decree was needed when both parties should be qualified for a short sale option ; and the lender said they needed the husbands ' signature/a copy of the divorce decree. I continued to express that the homeowners are married to each other ( XXXX XXXX  ) and the short sale file should NOT have been closed out! This put us severely behind in the loss mit process. As ofXX/XX/2018 the file since then has been referred to a foreclosing attorney and Dept of HUD. Lender has started file over from scratch XX/XX/2018 and advised of another 30+ days for review! We are starting over and now homeowners are in serious default with a substantial chance of foreclosing and derogatory payment history. Due to LoanDepot 's negligence and insinuation that they are married to men and needing a divorce decree from both XXXX in order to negotiate this short sale is nothing less than presumptuous, unprofessional and disappointing to say the least. Homeowners as well as myself as their agent, are concerned and truly need this resolved and moved towards the best methods of foreclosure prevention possible as we have tried everything and provided everything as they requested.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I repeatedly called them, spoke with management, customer service told me although its theif they cant do anything about it.

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 2018-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/18, I went to the local Bank of the West branch in XXXX XXXX, CA, and made an ATM check deposit of {$200.00}. After the deposit was made, immediate credit of {$100.00} was available. I used the same ATM to withdraw the {$100.00}. Nowhere on the ATM deposit receipt showed that they are putting a hold on my deposit, and after I withdrew my money, only {$100.00} was on hold and my available balance was {$0.00}. 

Over the weekend I tried adding the Bank of the West account to my XXXX app and requested bank verification letting XXXX initiate two micro deposits and withdrawals. This is a way for XXXX to verify that it is my account. My bank balance was still {$0.00} at that time. 

OnXX/XX/18, when I checked my account online, I saw that the {$200.00} deposit was on hold and my balance was at negative {$200.00}. Also they charged {$35.00} for withdrawing {$100.00} at the ATM as an overdraft fee. So it became overdrawn in the amount of {$130.00}. I called to get the overdraft fee reversed. They were willing to do it because my account was new and they allowed one fee reversal per year. Then XXXX made two small deposit amounts of {$0.00} & {$0.00} and they tried to withdraw those XXXX amounts and it was overdrawn after the negative balance. Bank of the West did not let XXXX withdraw {$0.00} & {$0.00} and charged two {$35.00} overdraft fees in the total of {$70.00}. 

I called to get the fees reversed after explaining to them what happened. I spoke to a couple of customer service representatives and they were unable to reverse any fees and asked me to go inside the branch to talk to the people there. 

On XX/XX/XXXX, I received a receipt from Bank of the West via regular mail that there is a hold that's placed on my deposit I had made on XX/XX/XXXX, and it is not going to be available until XX/XX/XXXX. And under the receipt it shows if I was not notified of the hold that was placed and my account was overdrawn then I need to contact the branch for getting the fees reversed. 

On XX/XX/XXXX, I went inside the branch in XXXX  XXXX and told them I was not notified of the hold at the time of deposit they said that they had called me to let me know about the hold. I asked them when and they said on XXXX. They said they left me a voicemail to let me know but never received the phone call or the voicemail. They said they didn't call me on XX/XX/XXXX to let me know because they were closed and reopened on XXXX. But I made a deposit during normal business hours and they were open on Saturday, XXXX, which they still didn't call me to let me know. And they can not reverse the two fees because only one fee reversal per calendar year is available and I already got my one out of three overdraft fees reversed.

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 2018-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I received an offer in the mail to get a {$400.00} bonus if I opened a new Platinum Checking account by XX/XX/2018 and made a single {$1000.00} direct deposit within 60 days. I opened this account in branch and the specialist helping me took the mailer from me that I received and entered the Offer Code assigned to me online as required. 

The offer states the {$400.00} bonus will post to the account within 90 days after the direct deposit posted. 

I opened the account on XX/XX/2018 and a direct deposit of {$2500.00} posted on XX/XX/2018. 

I've tried communicating with Citizens Bank multiple times via their secure message system - they never get back to me or tell me to wait longer. Their phone system is a mess.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018, I sent {$200.00} through my banks ( Wells Fargo ) mobile application XXXX for some sporting event tickets. The person I was buying the tickets from sent me his name and email and phone number. After transferring the money through XXXX. The person never sent me the tickets and stop answering my calls or emails. I went to Wells Fargo and they informed there was nothing they could do for me since I authorized it. They did tell me it went to someone's account at XXXX  XXXX XXXX. I went to XXXX XXXX  XXXX and they told me there's nothing they could do to help file a complaint because they have to protect there customers and since I'm not a customer of theirs. There's not much I could do but file a police report, which I did, and to call back XXXX XXXX XXXX customer support and file a claim.I did what i was told, I filed a police report i called XXXX XXXX XXXX back and they were still not willing to file any type of claim or help me at all. They told me call XXXX and see if they could help me. XXXX was of no help either. There customer support is automated. You can't even speak to anyone in person.

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 2018-09-18 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: TN

Complaint narrative:
I sent letters to the 3 major consumer reporting agencies on XX/XX/2018, and a follow up letter on XX/XX/2018, along with my identification, and a FTC identify theft affidavit asking that they remove results and inquiries that were a result of fraud. The agencies failed to remove all the accounts listed in my original letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america core checking account can waive the checking account monthly fee if there's direct deposit of {$250.00} and more. I have a direct deposit of {$250.00} in XXXX but bank of america still charged me a monthly fee of {$12.00}. They said that they can not waive the monthly fee for me because they have a specified billing period. The direct deposit dates must be in the billing period ( XXXX to XXXX of next month ) to get the fee waived. 

This is not stated in the agreement when I opened the account. Hope that bank of america can help me reverse the monthly fee.

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 2018-09-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: ID

Complaint narrative:
In Jan.XX/XX/XXXX, I had a $ XXXX loan with XXXX XXXX XXXX as the Trustee for XXXX XXXX, with Mr.Cooper as the servicer.Mr.Cooper increased my mortgage from $ XXXX to $ XXXX in XXXX and I attempted two very long and unsuccessful attempts at a modification but both were denied because the underwriter incorrectly used the {$14000.00} payment as part of my DTI ratio. They also informed me that there are no more interest only loans, which I know to be false. 
I know DOJ reached a settlement with XXXX XXXX and $ XXXX of the settlement was to provide relief to American Consumers and is expected to be primarily in the form of loan modifications and other assistance to homeowners. I certainly fit into that group. 
I have paid over {>= $1,000,000} on this loan since XX/XX/XXXX but can not possibly afford $ XXXX. I am not sure why they would want to foreclose on me, which they are getting ready to do. 
Thank you for any assistance you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: CO

Complaint narrative:
I was hospitalized on XX/XX/2018 to XX/XX/2018. When I was released from the hospital I discovered that my debit card was used without my knowledge or authorization. I contacted Wells Fargo and filed a dispute about the charges. 

I provided them two different letters from my Doctor about this time period. Wells Fargo has stated that they know I was in the hospital and yet because someone used by card with the pin number that I must have given them permission to use my card. 

At no time during this time frame did I ask anyone to use my card or authorize anyone to use my card during this period I tried to explain this to Wells Fargo but they refuse to listen to me. 

During the time I have been dealing with Wells Fargo they have told me that my dispute is from {$4000.00} to as high as {$8000.00}

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 2018-09-18 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: TN

Complaint narrative:
I sent letters to the 3 major consumer reporting agencies on XX/XX/2018, and a follow up letter on XX/XX/2018, along with my identification, and a FTC identify theft affidavit asking that they remove results and inquiries that were a result of fraud. The agencies failed to remove all the accounts listed in my original letter.

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 2018-09-18 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: TN

Complaint narrative:
I sent letters to the 3 major consumer reporting agencies on XX/XX/2018, and a follow up letter on XX/XX/2018, along with my identification, and a FTC identify theft affidavit asking that they remove results and inquiries that were a result of fraud. The agencies failed to remove all the accounts listed in my original letter.

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 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax incorrectly listed my paid off XXXX XXXX XXXX loan as an account that was closed. This caused my credit score to decrease. Also, XXXX went bankrupt but my account is noted as " closed by creditor '' which caused my score to drop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Fidelity Account Services LLC
State: TX

Complaint narrative:
Fidelity Account Services, LLC contact a third party ( a relative ) and give private information regarding my account with them. I have contacted them to let them know that they are violating my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
XXXX XXXX XXXX in XXXX Florida could not provide me accurate information to verify I was the individual that obtained the debt they had showcased on my three credit reports. With that being said, ERC has removed the debt ( XXXX Phone Bill ) from my XXXX credit report but has yet to remove it from my XXXX and XXXX. Every time I try to call ERC, I am transferred to a handful of different departments and then place on hold because no one seems to want to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX, Transunion, and XXXX all have information on my credit report stating that the age of my credit score is between 1-3 years which negatively impacts my score. I have a paid off car loan that is in excellent standing that was opened in 2012 that none of these 3 XXXX companies will put on there, BUT they sure will put information that's not mine like credit inquiries that don't belong to me and charge me for $ XXXX for XXXX or transunion.com that I never signed up for. That in itself is fraud! They also will keep addresses on there that are not mine and names that aren't mine and credit inquiries that I never authorized. WHO MADE THEM THE AUTHORITY ON CREDIT SCORES??? AND BY THE WAY, they sure can let our personal info be leaked to every person on the big black web can't they?? They couldn't protect a dog collar 's information from a blind person in Braille.

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 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The account of XXXX XXXX XXXX account # XXXX has not been validated. I have asked XXXX XXXX and Exquifax also XXXX XXXX XXXX to provide me proof of this debt bearing my signature and all i receive is a a letter from the credit reporting agencies saying that its accruate and then a itemized list of charges from XXXX XXXX. What is that? that doesnt tell me anything? .. By law i am allowed to asked for this information and it is to be provided. I have written letters and nothing is getting done. I wrote a letter on XX/XX/XXXX i wrote XXXX XXXX and they sent me and itmeized list of charges. look at the attached credit reports from bureaus. they are all different and reporting inaccrurately and violates my consumers rights to have accurate information on my credit reports be 100 verifable at all times FCRA. 

account is charged off -- XXXX XXXX date XX/XX/XXXX, equifax XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and how is there a usage on a closed charged off account? it cant be past due ... dofd is not accurate on all 3 bureaus. 
2 bureaus dont have no high balances reported etc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Creditor refuses to delete incorrect and outdated data to the three credit reporting agencies.

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