vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells fargo stole around {$8000.00} out of my account. My husband had a credit card with them and they illegally added the credit defense platinum on to it without authorization. After wells fargo lost their class action lawsuit they refunded us a check for {$3500.00}. This does not come close to what we are owed. We could not finance a house and had higher interest on vehicles because of lowered credit score. We would like our money back and I can not get any on the phone that can explain why we received that number back or why they were able to go into our account and take money that was not theirs.

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 2020-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
To whom it may concern My name is XXXX XXXX, in XXXX I got a loan with one main financial for a use card XXXX XXXX XXXX, the loan initiate with a balance of {$8300.00}, when I got the loan the agent offered me to put a XXXX insurance during the term just in case something happen, but I was my first time to get loan, i dont know about the insurance and I accepted it, they charge me a interest 35.31 % for the loan, so the duration of the loan is for 60 months, I will have to pay {$17000.00} for a use Car. Last week I called the insurance company and canceled the insurance they give me a refund for {$950.00} and I asked them to applied this amount into the principal balance, and then I already paid {$390.00} to the principal that give me a total of {$1300.00} I paid to the principal balance I suppose to owe {$6900.00} base in my calculations it supposed to be less they put on my balance {$7000.00}, I called then to fixed the principal they dont wan na do that, In this difficult time I cant give them my money I work hard to pay my bills they suppose to make the adjustments on my balance. 

Please I need help to fixed that issue with one main.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I want to send money from my PNC checking account internationally using the service XXXX ( XXXX ). I was able to create XXXX account, but I could not link my PNC account with it, indicating PNC does not support it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: GA

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-06-29 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: GA

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I accidently gave out personal information to some 1 in XXXX and PNC had to close my account 4 fraud. I tried closing my account back on XX/XX/2020 and they wouldn't let me. I've gone into PNC a few more times since and now they are telling me that i have to wait 90 days for me filing disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group
State: CA

Complaint narrative:
Ascendium seems to have purchased my loans from XXXX. However, they have to been able to provide me with the promissory notes. I believe that the loan was already paid in full in 2014. I called and was transferred to XXXX XXXX XXXX. I have asked them to show me an invoice reflecting the amount they say I still owe, and the payments that have also been made previously. I have not heard back from them. This negatively affects my credit and I am trying to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
started an account with Equifax at My Equifax I'm able to log in and get a message to give them a call the system says I'm not am to verify my info I sent them a copy of my paystub current bill and driver license I received my credit report and started a dispute. with a third party dispute results says items do not appear on my report yet they do. 
I can't get them to talk to me even tho I have confirmed my account details. 

Seems they want to keep negative items on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: FC HoldCo LLC
State: NC

Complaint narrative:
on XX/XX/XXXX I lived in XXXX  and my ex husband and i both was on the loan to the vehicle that was a repo. we never heard anything from the company that financed the truck until XX/XX/XXXX I was living in XXXX   not my ex he was in XXXX  They original company sold the loan to a company in XXXX  that collects old debt and XXXX  is a wage garnishment state, XXXX  is not where he my ex still lives. I filled out all the papers and sent them back to the company/civil court in XXXX  and heard nothing about the case for 2 months I then was offered the opportunity to move back to XXXX  in XX/XX/XXXX and I moved back here where I currently live. This weekend I received a summons to go to court in XXXX  in XX/XX/XXXX I called them and said I dont live in XXXX  I moved last year and was told if I do not go to court then I will loose automatically a judgment will be issued and they will get money from my wages. This is why they did not sue my ex XXXX  is not a wage garnishment state no court in XXXX  will do wage garnishments but XXXX  will and being I do not live there how can they sue me the truck was repo from XXXX  and me and my EX live in XXXX  plus XXXX  has a 3 yr SOL on written contracts its been Three yrs the last payment made was XXXX XXXX and I am the only one being sued when there are two name on the buyers contract? Please what do I do I cant pay XXXX XXXX dollars for a truck I do not own.and its a very old repo

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 2020-06-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am making against BBVA. My father obtained a HELOC in XXXX when the bank was called Compass Bank. He paid the loan off completely, but the bank failed to properly close the account and release the lien. My father and mother were unaware of this until recently. My father passed away in XXXX. Now, my mother is trying to get another loan with the house as collateral. We found out that there is still a lien against the house during the application and closing process. She can not close on the new loan until BBVA releases the lien. I called BBVA probate department approximately one month ago. They confirmed that the HELOC my father obtained in XXXX was completely paid off. I requested that they properly close his account and submit a lien release. I submitted all the requested paperwork immediately. However, they still have not closed the account or released the lien 6 weeks later. I have called back serval times requesting an update. I filed a complaint last week with BBVA customer service. Customer service assured me that the problem would be resolved within 72 hours. I called customer service again today in order to follow-up, but no body is taking responsibility. I keep getting transferred to another department or hung up on. Every time I speak with someone, they say they do not handle this particular problem. The client care solutions department has not been able to figure out who I am supposed to talk to. I have requested to speak to a manager, but the representative says they are not taking calls or they are not available. If the client care solutions department can not handle the problem, then I have no other recourse. I do not live near a physical branch were I can submit a complaint. I have no way of getting my problem solved. Therefore, I am submitting a complaint in the hopes that you can investigate BBVA 's failure on multiple levels. First, they did not close the account properly and never released the lien when they should have. Second, it has been 6 weeks and they still have not resolved the issue or been able to give me an update or estimated time in which it will be resolved. Third, even though I submitted a complaint, the client care solutions department had not taken responsibility in solving the problem. Fourth, I have been unable to speak to a manager every time I requested to speak to one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
SPS/Select Portfolio servicing is changing their address in reporting to XXXX  this fraud ; ent accccount. SPS/Select Portfolio Servicing is providing false account updates to show the account being paid down and reporting it as an update to XXXX. SPS/Select Portfoio is providing and false information of having corresponding with me in their reporting of this FRAUDULENT ACCOUNT and having it updated each time I dispute it with XXXX. It was showing as current by XXXX  based on their false reporting of information they supposedly recieved from me. 
Then in a week or less after each dispute I make to XXXX  I receive an update from XXXX  that the the fraudulent account is now late and the reporting address hanges from a po box to a physical address in Utah. I asked SPS/Slect Portfolio to CEASE AND DESIST under the FCRA/FCDPA. SPS/Select Portfoilio continues to report a fraudulent account in my name. 
I contacted SPS/Select Portfolio Servicing as they had accessed my credit file and reported to XXXX, XXXX, and XXXX  an account established in my name fraudulently. I contacted SPS/Select Portfolio Servicing on XX/XX/XXXX, and XX/XX/XXXX disputing the account to SPS/Select Portfolio Servicing and providing them with two separate police reports of identity theft naming SPS/Select Portfolio Servicing. I then notified Select Portfolio Servicing to CEASE AND DESIST under the FCRA on XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. I AM THE VICTIM OF FRAUD. 

On XX/XX/XXXX ; I mailed another letter of dispute with a CEASE AND DESIST to SPS/Select Portfolio servicing via CERTIFIED MAIL to their Utah and XXXX Florida office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I received an email alert saying I have a new document to read on my XXXX XXXX credit card account online ( in XXXX of this year ). In the letter stated they were closing l my credit card due to inactivity. I had a XXXX  balance on it and had it for over a year. In XXXX of this year we had this COVID 19 pandemic. I obviously wasnt worried about using my credit card to buy bras panties ect when my grandfather was on his death bed for a couple of months. I tried re applying and was told they usually do not re open closed accounts. I dont understand it was on good standing besides the 2 times I was having bank issues and my checks bounced. But that wasnt the reason for the closing because I changed my bank continued making payments and purchasing. Id love to open a new card. I tried already and got deed. Its on my credit report and Im worried it has impacted my score. This same exact thing happened with my Victoria Secret credit card and my XXXX XXXX credit card. I need some advise on what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP
State: OH

Complaint narrative:
Key Bank has an account on XXXX  that shows I ower about {$720.00}. I paid and settled the account back in XXXX, but I recently tried to get a bank account and I could not because htis information showed I was in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: GA

Complaint narrative:
Back in XX/XX/2020. I paid the balance off on my XXXX XXXX  card, the balance was {$130.00}, in XX/XX/2020 my account was charged twice for the same amount. I tried contacting XXXX that didn't work. I was unable to send a message from my online XXXX XXXX account about the error. After a few days, I filed a dispute with my bank for {$130.00}, my bank credited me {$130.00} - that amount was good until the bank completed their investigation. I was given a claims number and so on. On XX/XX/2020, my bank sent me a letter " as you requested, we have withdrawn your claim about a charge of {$130.00} on your account '' I never called or sent my bank a message asking them to cancel the claim. After I received the letter I called them to tell them. I ask for proof. I do not want that claim cancelled, and I do not want an overdraft on my account. I went to " help with my bank. gov '' they said they sent it to you, I never received an email from you. I checked my account I have with you, its not listed If you have a complaint ID, I would like to have that so we can go from there or else start with this. I want to emphasize again, I never requeste that my claim be cancelled. I did call the Office of Comptroller more than three times, telling them that something is wrong and that I never received an email from this website regarding the complaint I filed with them on XX/XX/2020.

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 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went into a local banking facility the week of XX/XX/2020 to have my name changed on my checking account and Debit card .I was sent an ATM card as the replacement for my debit card. I called customer service and stated that I was unable to access my account and was told by XXXX from Texas that I had been sent ATM Cards X 2 and she needed my permission to reissue my debit card in which I gave verbal approval .I was sent the card but when I attempted to use the card it declined. I called Customer service again and spoke with a XXXX who stated he would get my account reopened.. After speaking with XXXX I started getting Emails stating that my card was declined and this I could not understand because I had over XXXX in my account. On Friday XX/XX/XXXX my account was reopened by XXXX and was informed that I would receive a call from her supervisor XXXX, This never happened. I called customer service as I have yet to be able to access my account.I spoke this morning with an XXXX stated that he was communicating with the Supervisor XXXX and she was working to get my funds available, About XXXX I went to the local branch to see if I could be helped and they told me to call Customer service again to reopen my account because I have direct deposits that will be floating because how I am being handled that is no fault of my own.I am currently on the phone with a XXXX who is assisting to get my account reopened -This is  elderly abuse at it worse also I am recovering from XXXX XXXX XXXX OnXX/XX/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 monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I sent a certified letter to Nissan Motor Acceptance on XX/XX/20. The letter was a Request for Debt Verification and Cease and Desist. They received the letter XX/XX/20. We did not receive a response from them at all. We reported it XXXX  and other bureas. XXXX  will not remove/delete the debt from our credit report.

Company response to consumer: Closed with explanation