vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent certified first class letters to Experian National Consumer Assistance Center on XX/XX/2020 to dispute my personal information, inquiries, and the account ( s ) that should be closed and deleted due to the accounts moving to collections. The only thing that was changed was the inquiries. I was sent a letter saying that they will not reinvestigate the items I requested to be deleted because they were verified. The accounts that I am asking to be deleted are closed and should not still be reporting on my credit report. Thank you.

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 2020-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I spoke to the financial westlake financial servises, to request an extension of payment, since on XX/XX/XXXX I have to pay it, I explained that the company for which I work closed due to the pandemic of the coronavirus indefinitely, I explained to them that I could not have my payment since that company only paid us a week of salary, the person who attended me by phone told me that I had to pay {$50.00} dollars to make the application for the extension so that they would approve it, pay the amount that was asked of me and I was calling said finance company daily and they had not solved anything for me, it was not until yesterday that I called again and they told me that the extension that they only give me 10 days after the day that I have to pay, I told them that I can not pay them that day then they told me that if I do not pay that day for the month of XXXX I would have to pay the month of XXXX and the month of XXXX, to which I replied that I was not going to to be able to make both payments because I do not know what day I would return to work and besides I have food and rent expenses. They just told me that nothing can be done, help me thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XX/XX/2020 TransUnion has an incorrect phone number on their website that I called and I was told to call this number by XXXX. When I called the correct number that XXXX had given me that everything was the same and told TransUnion about the situation they hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
My father went for a repair on his financed XXXX XXXX at XXXX XXXX in XXXX New York. Repairs were so high service manager convinced my father into trading for a new car with better monthly payments. Due to my father bad credit Acura couldnt make that happen so they decided to add me to co-sign. My father doesnt know English and not good with reading contracts so everything he signed was verbally agreed with the dealership on whatever they told him. I was not in the dealership and was out working so they called me to give them all information to close the deal. They told me he would be paying the same amount even though it was a much cheaper car than what he previously had, but they said if he paid on time they would give him a better deal after the first year which I agreed. So the sales person came to my work place at about 12 midnight having me sign about 20 pages & basically just gave me a summary of what I was signing. So when I received the first month bill of {$900.00} I was shocked & called to see if it was a mistake. My father was paying about {$700.00} for a financed XXXX  XXXX XXXX and now he is paying {$900.00} for a cheaper car & is a lease which payments shouldnt be that high. I requested to take back the car or re negciate & dealer kept dodging me. I tried to meet with general manager and he was never available. Just want to see what can be done. It has been a couple of months already & I been helping my father with lying off the car but I just cant afford it and dont want to ruin my credit. I recently called Acura financial services and they told me the dealer even added a whole bunch of add-ons to the car to make payments higher which is very un professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: TX

Complaint narrative:
Im on government XXXX and receives XXXX a month for the past two years now all of a sudden this might someone has taken {$430.00} out of my money for no reason and no one that handles my funds can you give me a reason why because everybody Ive talked to the attorney general and even Social Security people have no idea of whats going on and they keep just telling me its nothing they can do. I recently just had a XXXX XXXX XXXX  and I need I have to pay for medicine and other expenses including my rent and now I cant even afford it and Im leaving the hospital here in within two days with no funds in order to pay my rent, Even the supervisors has giving me different stories on who has the money and what can be done pretty much nothing can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MO

Complaint narrative:
On XX/XX/XXXX I entered a XXXX XXXX transfer from my PNC checking account to my mother 's checking account at XXXX XXXXXXXX XXXX for {$25.00}. When I entered the transaction through my online banking portal with PNC, the system confirm on the screen stated funds would be received in my mother 's account by XX/XX/XXXX. 

On Monday, XX/XX/XXXX, I called PNC Bank because my mother indicated the funds still had not come through. The PNC rep I spoke with indicated there was no indication of any XXXX XXXX transfer on the system, indicating I had either not entered it or somehow had made a mistake. This was very frustrating, as the online system had indicated my transfer had gone through and that the funds would arrive by Thursday, XX/XX/XXXX ( 2 business days ). The rep stayed on the phone with me while I entered a new transfer. She verified it went through and she could see it on her end. Both the online banking system and the rep stated the funds would be in her account by Thursday XXXX ( 2 business days ). The rep also verified XXXX XXXX XXXX participated in the XXXX XXXX  program so there should be no issue with my mother receiving the funds. 

On Tuesday XX/XX/XXXX, I entered another XXXX XXXX transfer for {$45.00} from my PNC checking account to my mother 's XXXX XXXX XXXXXXXX checking account. Once again, the system indicated the funds would be received by Thursday XXXX ( 2 business days ). 

On Thursday XX/XX/XXXX, my mother indicated the funds still did not show in her account, nor were there any pending deposits. On my end, the PNC online banking system showed my account had been debited for both the {$25.00} transaction and the {$45.00} transaction, with a posting date of Wednesday XX/XX/XXXX. I called PNC Bank and the rep stated I should give it more time ; she stated the funds may not show up until XX/XX/XXXX or XX/XX/XXXX. She could offer no explanation as to why this happened and offered no solutions on how to rectify the problem. 

My mother called XXXX  XXXX XXXX directly and they indicated they, in fact, do NOT accept XXXX XXXX. I called PNC Bank back, and the rep, who was extremely condescending, stated the only way to get the funds back at this point would be to dispute the transaction, and that it would take 10 business days at a minimum to dispute the charges. She gave no assurance the situation would/could even be resolved, leaving me with no resolution. When I asked to speak to a supervisor, I was put on an endless hold. After at least 30 minutes of waiting, I had to hang up. 

So as of right now, my PNC checking account has been debited a total of {$70.00} and I was given no assurance it would be credited back ; I was only told I could dispute the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I purchased appliances through XXXX XXXX  website and received a promotional period of no interest for 18 months with Comenity credit. I paid diligently over the 18 month period and paid of the last statement on XX/XX/2020 with a statement due date of XX/XX/2020. However the following month I received a bill with all the interest incurred over the 18 month promotional period. After calling the company they stated I had paid the last statement after the " promotional date '' but before the statement due date. I have paperless billing and when I paid my last statement, nowhere did it show a promotional due date on the physical website. I had to open the full paper statement to show any documentation of the date they were speaking of. Had I known straight from logging in to their website that the bill needed to be paid on XX/XX/2020 not by XX/XX/2020 I would have done so. After speaking with multiple managers they refused to do anything to mitigate this, refused to make any changes to the incurred fees, refused to offset the payments or remedy the situation in any way. All they could say was I was past they date and they Would not do anything. Not that they Could not, but WOULD not. This may not be fraud, however this was misleading to someone who chose to be paperless and was diligent about making payments to meet the deadline. They refused to make any changes to a paying customer who was on time on every bill. 11 days cost me nearly {$1200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09 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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.

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 2020-04-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : XXXX  XX/XX/XXXX, began making requests to update mortgage payment information. Contacted XXXX XXXX  and verified XXXX submitted mortgage payments update XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Between XXXX, XXXX and XX/XX/XXXX, I spoke repeatedly with the Special U.S. Handling Team and they indicated repeatedly they were updating my report. 

XX/XX/XXXX, I spoke with XXXX XXXX, Supervisor in the U.S. Special Handling Team Department, XXXX. She specifically stated " No one would be making the updates/corrections to this account. '' RE : Experian XX/XX/XXXX, we began requesting the same mortgage payment update. After paying their monthly fee and filing repeated complaints, no update has be made to my credit report. 

RE : XXXX  Updated my credit record 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 non-monetary relief
Consumer complaint received 2020-04-09 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:
I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$87.00} XXXX   XXXX {$290.00} XXXXXXXX XXXX XXXX {$720.00} XXXX   XXXX  XXXX {$110.00} XXXX  XXXX  XXXX {$590.00} XXXX   XXXX  XXXX {$670.00} XXXX  XXXX  XXXX {$220.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$23.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a email that my XXXX password was changed I immediately called XXXX and the rep couldnt ver me I finally got through and was told my balance was XXXX and the funds were sent to cash app in my name I hardly use cash app the rep told me XXXX dollars was xfer from my savings to my checking and the perpetrator started to send money in increments to my cash app ranging from XXXX XXXX XXXX XXXX and XXXX hundred dollars the total they xfer was XXXX dollars I immediately log into cash app and was able to see the transaction but it was too late the perpetrator spent XXXX dollars from my cash card at XXXX XXXX dollars at a food mart and tried to use it for XXXX dollars at XXXX XXXX  but it was declined because we already meaning myself and XXXX XXXX rep already blocked the cash card through the app I have reached out to cash app several times there is no phone number which I find to be crazy where u can try and call you have to submit a request through app and wait on a email I have emailed sent message through the app like 5 or 6 times to only receive a email asking for the same info I already supplied I have attached screen shot proof of every transaction I have attached proof the transaction were done in Florida per their app I live in XXXX Arizona I have sent proof that I have filed a police report all they did was block my cash app card literally three days later on XX/XX/XXXX like I cant believe this you dont block it when literally 15 transaction came through on XX/XX/XXXX but you freeze the account when the consumer reports fraudulent activity but then cant even explain or communicate with the consumer on whats needed to be done to get their funds back please help me please that was my little savings I know its not a lot my I worked hard to save that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
In early XXXX of 2020 due to the fall of the stock market, which was affected by COVID-19, I called a Wells Fargo plan specialist to rollover my Wells Fargo 401K to an existing Wells Fargo IRA Time Account to avoid money being lost. A few days later, I checked my accounts online and saw a new saving account opened without my knowledge even thought I had never requested for a new account. I have called them numerous times to demand this account to be closed but to no avail.

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 2020-04-09 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:
I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$87.00} XXXXI XXXX {$290.00} XXXX XXXX XXXX {$720.00} XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$670.00} XXXX XXXX   XXXX {$220.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$23.00}

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 2020-04-09 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:
I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$87.00} XXXX   XXXX {$290.00} XXXX XXXX  XXXX {$720.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$670.00} XXXX XXXX   XXXX {$220.00} XXXX  XXXX XXXX {$15000.00} XXXX XXXX XXXX {$23.00}

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 2020-04-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Approximately XX/XX/19 a fraud XXXX  acct was opened in my name. It was {$2000.00}. I found out immediately and contacted the company. They said would be taken off but still on my Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX I made a charge on my CapitalOne MC ending on XXXX for company XXXX for {$370.00}. they treated the transaction as a XXXX XXXX and charge additionally Cash advance fee {$11.00}. There after they continue charging interest in XXXX, XXXX etc until now Cash advance interest and regular interest : XXXX {$4.00} and {$20.00} ; XXXX {$440.00} and {$15.00}, XXXX {$3.00} and {$17.00} I call them to inquire about the transaction and they told me they would not reverse, also I told then that a payment I made on the XXXX statement for {$430.00} should be applied againt the cash advance, cash advance interest and minimun payment for this month - they refuse to do so as well. 
After further research I found 2 previous instances in XX/XX/XXXX and XX/XX/XXXX of XXXX that I made charges on this same card for the XXXX company and were treated as regular credit card charges ( no cash advance fee ). I talked to a supervisor and she would not even listen he say no to everything. 
I am requesting refund on cash advance fee, cash advance interest and regular interest derived from the XX/XX/XXXX charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: HI

Complaint narrative:
XXXX XXXX XXXX fraudulently mishandled my existing mortgage by failing to service my Mortgage Modification by intentionally delaying process of up to 3 years, and unethical tactics, therefore breaching mortgage agreement. They did NOT possess my Deed to make such a collection. They later sold debt to Carrington Mortgage who is a Debt Collector. XXXX XXXX assisted me with letters confirming debt to both XXXX XXXX XXXX and Carrington Mortgage. XXXX XXXX XXXX responded with, " needed more information '', could not locate by account number? Carrington Mortgage could NOT produce deed to property and no signed legal document possessing mortgage. 

I have NO SIGNED LEGAL DOCUMENTS with Carrington Mortgage of this debt. 
They DO NOT HAVE my DEED to my property. 
I am under NO OBLIGATION to Carrington Mortgage or XXXX XXXX XXXX who created fraud in 2008, which null and voided any and all obligations.

Company response to consumer: Closed with explanation