vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-04 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
There is a mortgage account I had with USDA that was discharged in bankruptcy in XX/XX/XXXX and it still shows on my report. It should have been deleted. USDA instead, after my continued disputes, updated the account to show that mortgage was included in Bankruptcy in XX/XX/XXXX. The account has been re-aged and shows payment history, etc. from XX/XX/XXXXon. Please see documents I am including with my complaint that fully explains the ongoing dispute, with both USDA as well as Experian. Both parties are refusing to rectify the situation even though they know the information is inaccurate and should be deleted. USDA, as you will see, acknowledges the actual date of bankruptcy, i.e. XX/XX/XXXX as well as the fact that the mortgage was discharged, but still refuses to remove it from my account. The only data that should have been reported from XX/XX/XXXX on should have been a XXXX   balance and an IIB status -- which never happened.

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 2018-05-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2018, I sent a Certified Debt validation letter to Experian, XXXX, and XXXX  requesting the stated companies provide me with validation of debt for the five accounts listed on my credit report as negative/closed. These accounts are listed incorrectly on my credit report. I have yet to receive any proof of verification of the debts saying that I am obligated to pay them. I have sent in a total of three letters dated, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I have proof of the letters sent and reciepts for the certified mail. These five accounts are seriously impacting my credit score and is keeping me from obtaining new credit.

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 2018-05-04 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:
Several companies ran my credit without authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX I XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, SC 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 2018-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had an account with Wells Fargo. My card was being used online I filed complaints and kept explaining to them that it was the card being used. Instead of canceling and stopping all charges from card they left it open so all I could do was file complaints till they decided they didnt want me to keep their account open they closed it down and said they wanted no business with me when I explained before that my card account info was being used by someone else

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 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
The company stopped the program in summer of 2016. I had a balance of {$2000.00} loaded on my account. The company was supposed to send a check with the full balance to my address on file. I have not received the refund for the owned balance. After making multiple phone calls, representatives forward my inquiry to the bank and ask me to wait 4-6 weeks for check to arrive. I have waited for over a year to receive money owned to me. My next step would be small claims court and I will demand interest and legal fees compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: GA

Complaint narrative:
I purchased my home in XXXX of 2017. Having lived in my current dwelling for less than a year I am faced with approximately {$50000.00} in damages to this property to include : Structural and foundation damage ... $ 30,000+ Septic system replacement ... {$8000.00} Water damage to the structure ... {$13000.00} I feel that these issues should have been corrected prior to my purchasing of the home and that many of these issues were not disclosed and/or misleading as we were giving information that said these repairs were addressed. However, we later discovered that many of these issues were camouflaged. 
I also feel that the home load inspector should have never allowed this loan to go through due to these major costly issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
I bought a wedding ring XX/XX/2016 with a Promotional Cero interest for 24 months. I chose the automatic payment option of {$530.00} a month since I knew it was going to be fixed until the account is pay off. Two months back, I realized I was being charge interest rate since the loan started. Its more than {$1000.00}. I have make several attempts for the past 2 months by calling and talking to different representatives with no results. In fact, they told me that in XX/XX/XXXX they were going to reimbursed me the interest charges. Its XX/XX/XXXX and I am still in the same position I was 2 months ago. I called 2 days ago and I feel they are giving me the run around. I need your help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: GA

Complaint narrative:
On XX/XX/2018, I sent a Certified Debt validation letter to XXXX, XXXX, and Transunion requesting the stated companies provide me with validation of debt for the five accounts listed on my credit report as negative/closed. These accounts are listed incorrectly on my credit report. I have yet to receive any proof of verification of the debts saying that I am obligated to pay them. I have sent in a total of three letters dated, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I have proof of the letters sent and reciepts for the certified mail. These five accounts are seriously impacting my credit score and is keeping me from obtaining new credit.

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 2018-05-04 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: GA

Complaint narrative:
On XX/XX/2018, I sent a Certified Debt validation letter to XXXX, Equifax, and XXXX  requesting the stated companies provide me with validation of debt for the five accounts listed on my credit report as negative/closed. These accounts are listed incorrectly on my credit report. I have yet to receive any proof of verification of the debts saying that I am obligated to pay them. I have sent in a total of three letters dated, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I have proof of the letters sent and reciepts for the certified mail. These five accounts are seriously impacting my credit score and is keeping me from obtaining new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander has been illegally re-aging my loan and reporting the wrong amount. They are reporting a {$15000.00} and sent a fake deficiency of surplus letter that says it was dated XX/XX/XXXX however that is NOT correct. The vehicle was sold on XX/XX/XXXX and I have a settlement letter that shows the balance being {$12000.00} including the principal balance of {$8300.00} from XX/XX/XXXX. I have all of my credit reports which they have NEVER stated I owed a balance of {$15000.00} until XX/XX/XXXX where they also changed my loan term from the original 72 months to 77 months. They have also reported a 76 month term to my credit while increasing the balance. They are switching around documents that have been sent to me in order to try and obtain more money while attempting to demolish my credit. They have no explanation on the misc fees they have added on to the original principal balance of {$8300.00}. Santander as also removed this account 3 times without notification of it being reported back. Santander also stated my vehicle was repossed for failure to make payments on time and my account was 59 days past due at the time of repossession which is also FALSE! A payment was made in the amount of {$2100.00} on XX/XX/XXXX. The vehicle was in the impound which is where Santander got the vehicle from. It was never repossed for non payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
This is a follow up on my previous complaint XXXX. 

We have a mortgage with Caliber Home Loan ( https : //www.caliberhomeloans.com ), account number XXXX. The mortgage consists of loan and escrow accounts both. OnXX/XX/XXXX, the loan officer XXXX XXXX informed us the escrow amount was wrong. The overall monthly payment should be {$5900.00}, down from the wrong number {$7100.00}. Therefore the monthly mortgage I paid is {$6000.00} from XX/XX/XXXX. However Caliber home loan does not update its system and think we are short of the monthly payment. The consequences are : 1. Our payment balance was messed up, both the loan and escrow account balance by wrong late fee and penalties which caused by Caliber itself. Please refer to the attached account payment history. According to my calculation, till XX/XX/XXXX, my loan balance should be {>= $1,000,000} and escrow balance is {$7000.00}. But Caliber shows the loan balance is {>= $1,000,000}. escrow balance is unknown. 2. Caliber careless mistake leads to both my husband and my credit score sharply drop from XXXX level down to XXXX level. 3. On XX/XX/XXXX, Caliber sold the loan to central loan administration and report ( XXXX ), and passed all the wrong information like escrow amount, loan balance and escrow account balance to XXXX. Although Caliber promised to fix it for us, one month after the transaction, the mistake in XXXX has not get corrected. The record from XXXX still shows our monthly payment is {$7100.00}. After the loan selling to XXXX, CALIBER did not inform us to pay XXXX afterwards. Without the right payment information, we paid our XXXX mortgage {$6000.00} to Caliber still. Although Caliber claimed that it forwarded the {$6000.00} to XXXX on XX/XX/XXXX, XXXX has not received it ever since. When both XXXX and us asked CALIBER to provide the express mail tracking number and check number, CALIBER just could not come up the numbers. 

Upon our earlier request to CALIBER on the closing statement and update both loan and escrow balance, we received the update on the escrow account today. It does NOT update anything at all, it does not adapt the new monthly escrow amount of {$1200.00} but using the wrong {$2400.00}. The XX/XX/XXXX payment does not show on payment history. The right escrow number for XXXX and XX/XX/XXXX should be {$1200.00} *2 = {$2500.00}. 

How careless and arrogant can a company be by totally ignoring the customer 's request?! When we pointed out there was error on the payment history, they update us with the wrong and current history AGAIN, as a response?!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On friday XX/XX/XXXX I transferred via XXXX XXXX from my XXXX XXXX XXXX   account to Bank of America. Bank of America put a hold on the transfer and froze the funds until XX/XX/XXXX. I had a bill pay that was set up for XX/XX/XXXX to pay my car payment ( XXXX XXXX ). Realizing that my funds that I expected to be immediately available would not be on XX/XX/XXXX I deposited a check in the amount of XXXX from XXXX XXXX to cover my car payment. On the app of BOA it states that the check deposited would cover all transactions posting on XX/XX/XXXX but that they were going to put a hold on that check also. On XX/XX/XXXX my car payment was returned I was charged a {$35.00} returned check fee from BOA and from my car company and when I called BOA to ask why were there all these holds when I had over XXXX pending to pay a simple car payment their response was that I had not developed a relationship with them and once I had transactions like this might be approved I. The future. Ive been with BOA for over a year and never had this issue. What has changed in the last two Months is I cancelled my direct deposit because I felt they were arranging transactions in orders to where I would occur a fee. Just like this situation. No one could explain why if I have over XXXX pending. I had an immediate transfer through XXXX a product they encourage you to use Boa would return my payment. Their response was I dont understand banking and maybe they will try to break it down into language Ill understand.

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 2018-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I had been looking for a new bank and wanted to give SunTrust a try. 

XX/XX/XXXX - I opened a Personal Checkings and a Business Checkings account online. 

XX/XX/XXXX - I went into a branch to deposit {$100.00} into each account. I was paranoid because I got an email from SunTrust saying my accounts would be closed if I did not deposit money within 5 Business days. I also signed my signature cards. 

XX/XX/XXXX - I got a missed call from the Fraud department of SunTrust and they left no message. I called back and the CSR says there's a note for me to go into a branch for additional verification. I go into a branch later that day and the teller tells me both my accounts are " closed due to rules and regulations. '' XX/XX/XXXX - I phoned SunTrust to try to get more information. They can not tell me anything about why my accounts were closed. They also stated it would be 10-15 business days to return my deposits after the account gets fully closed. They offered no indication of when the accounts would be fully closed. So who knows when I'll get my money back.

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 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Sallie Mae student loans are still shown on my credit report frm XXXX XXXX & This school is closed and no longer opened plus the loan comany has switched frm mutiple companies. Starting from XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: AK

Complaint narrative:
I was tricked by XXXX and TD Bank to create a XXXX financing application for obscured reasons. 
Following my application on XXXX, TD Bank issued me a credit card that is not acceptable anywhere including on XXXX where the application is forced to customers. When I tried using the account, XXXX declined the transaction and requested me to use another credit card. I asked : Why was I requested to provide my Social Security Number to create this account? The company never responded to my request. Soon after, I filed a complain against TD Bank. A Credit Team Manager named XXXX XXXX XXXX called me on XX/XX/XXXX claiming that it was merely a technical issue. She promised that everything will be taken care off. As of right now, my emails have been been flagged by TD Bank and I can't communicate with anyone. Similarly, the company, XXXX, is complicit of of the problem and also flagged my emails to the point that I can't communicate with anyone. 

I am saddened and devastated to know how these companies can betray customers like me just to fill their books. My personal information was obtained to create a credit card account that I have no idea what it was/is for. My credit score was altered and I now have a fictitious account on my file. I am certainly sure that many other people were tricked the same way. I claim this because a XXXX representative told me onXX/XX/XXXXthat I was not the only person complaining about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Date : XX/XX/2018 Dates : XXXX Amounts : {$19.00} Actions : I was creating an account of Transunion , and after I put my credit card information for the account so they can check my credit scores, but they automatically charged me without asking or confirm the order. If I know I have to pay for that service, I will not do it at all. Plus, I have a hard time try to cancel my account, and it's just not easy to do it. I called them, and I asked for refund, and I got a conformation number, but that's about it. I might get my money back, but that wasn't a good experience at all. I was trying to delete my personal information as well, and I couldn't do that. I have to call them for other time to delete my personal information.

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 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: MS

Complaint narrative:
In XX/XX/2016 while I was stationed in XXXX XXXX, I received a debt collection notice via mail from XXXX XXXX XXXX in the amount of {$150000.00}. Ive never heard of the company so I did research and found they were a collection agency for a copy called XXXX as indicated on the debt collection notice. At this point I had no idea what either company was, why they insisted I owed them money or what the money they claimed I owed was for. I spoke with a representative from XXXX, XXXX XXXX which informed me that the collection was for 2 XXXX Franchise locations. I explained to him I had no know of either. He proceeded to tell me that my signature is on the franchise agreement documents. I told him thats not possible because Ive never signed any agreements. He then said that my signature was only on 1 franchise location versus 2 and removed 1 entry off of the credit reporting agencies. I requested a copy of the alleged signature and what I received had absolutely no match with my authentic signature. This is clearly a case of forgery and fraud! Ive submitted a copy of the police report to XXXX XXXX and was told that it did not matter the collection would still be reported. AWAs client has no validation of my signature. No picture ID card, nothing notarized not to mention I was 2 states away on a military installation when this alleged signature was signed. Both XXXX Franchise and AWA are in compliance with allowing fraudulent signatures to be used on their documents! They do no verify nor authenticate signatures prior to issuing {$150000.00} loan. They have pathetic business practices! They can not produce ANY documentation other than a fraudulent signature. No copy of photo ID no notary, just a forgery. This fraudulent account needs to be removed ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX student loans are still shown on my credit report frm XXXX XXXX & This school is closed and no longer opened plus the loan comany has switched frm mutiple companies. Starting from XX/XX/XXXX- XX/XX/XXXX XX/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 explanation