vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 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 identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have not been able to get my credit report i have attached a copy of 2 bills a credit card statement and a Bank Statement. and copy of my ID

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 2020-08-12 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: BMW Financial Services NA, LLC
State: NC

Complaint narrative:
BMW financial services is reporting a balance twice on my credit report. Also the balance is incorrect. I do not owe BMW anything. They also have an account trying to collect twice with a collection firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: Williams & Fudge, Inc
State: PA

Complaint narrative:
I received my first written statement by mail about a college tuition debt that I owe to Williams and Fudge,  the statement was dated XX/XX/20. On XX/XX/20 a representative from Williams and Fudge called my wife 's phone and left a voice mail stating that they were calling about the debt. My wife 's voice mail message clearly says that it is her voice mail, but they left a message on it abut my debt. I have the message saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Starting XX/XX/XXXX thru XX/XX/XXXX my Social Security deposits were re-routed into an account in the name of XXXX XXXX. When I discovered that my funds were missing, I both telephoned and went to the Social Security office. I went there and to Bank of America on numerous occasions to try to resolve this. An alert was put onto my checking account and my Social Security account. It was very difficult to get any information about what happened. The fraud department at the bank wouldn't talk to the bank manager or myself as we were not the account holders-even though he was a criminal and other people 's checks were also being stolen by him. His account was closed but nothing was said as to how to get my money back. I filed a police report with the XXXX XXXX Sheriff 's department. Detective XXXX was able to locate XXXX XXXX in Georgia but the Georgia police were uncooperative in helping to apprehend him. Detective XXXX also filed a report with the Office of the Inspector General/Social Security. It has been a long time since this all started and I am at a loss as to what to do next to try to resolve this. It is over {$12000.00} and almost two years since it all started. I felt filing a complaint against the bank would be the next best step.

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 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received a letter from US Bank ReliaCard about important disclosures on XX/XX/2020. 

The Program Name is Pennsylvania Unemployment Compensation regarding a Pre-Acquisition Disclosure. 

I have never received funds nor applied for PA Unemployment in my life. 

I am concerned that possibly someone used my name to apply without my knowledge. 

How the US Bank National Association got my name and address is beyond me. 

My concern is that if such a prepaid card is not used for 420 consecutive days, they charge a monthly {$2.00} fee. Since I don't have such a card, and I don't receive unemployment payments from PA, I want to make sure that I do not receive a bill/statement indicating that I owe these charges.

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 2020-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2020 I deposited XXXX dollars into my Citi bank account via the atm deposit. XXXX dollars was Immediately made avaible and the other XXXX dollars was Held pending an investigation. One week later I went into the branch that I made the transaction and they told me that the deposit limit was XXXX dollars and there would be a fraud investigation because I deposited over XXXX dollars. On XX/XX/XXXX I met with the store manager and he told me that they would have to close my current account and reopen a new account because of the fraud claim. They then told me the fraud claim will take 10 days to be processed and once processed the funds will be deposited into the new account that I created. On the 10th day of the fraud claim investigation I contacted the bank they then told me the funds had been deposited into an old delinquent account that my ex husband had that had a balance of negative XXXX dollars. They told me I will have to take legal action to recover the funds.

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 2020-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: United Acceptance Inc.
State: TX

Complaint narrative:
I had a car loan with United Acceptance beginning in XXXX. During the government shutdown in XXXX, it resulted in me falling behind and I was not able to recover from that. Eventually around this same time, or no later than XXXX, the car was eventually repossessed. They eventually sold the car at auction and my account was XXXX out. They are no indicating that I made a payment in XXXX, which I do not believe was the case. It has continued to report on my credit reports. I have contacted them in an effort to get this resolved but they appear to be unwilling to resolve this matter. At this time this debt appears to be obsolete and with a XXXX balance showing what more would they required from me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: NV

Complaint narrative:
I have attached a copy of my Id and Bank Statement and credit bill with my address for a report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: TX

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-08-12 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: OH

Complaint narrative:
I have multiple derogatory account reporting to all three credit reporting agency, that do not belong to be, I do not own them any money. I never done business from any of these companies or received services. This is stopping me from buying a home

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 2020-08-12 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: IL

Complaint narrative:
Experian and XXXX  have been reporting these fraudulent accounts under my name XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX, XXXX.is fraudulent on my credit Account # 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 2020-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I bank with Bank of America foe receiving royalties via EFTs depositing to my account from XXXX XXXX XXXX XXXX, XXXX and XXXX. Its all one long named elusive situation that needs to allow the author the ability to see transaction, Instead the author has to check a royalty page that is not good ledger record keeping of transactions, even the failed. There is no record of EFTs that have deposited and been returned, there is no record of XXXX payments deposited or returned. There is no record of XXXXXXXX XXXX XXXXXXXX deposits or returns of ETF or any other parties that may have associated royalty transaction records. And get this the author is paying for all these transactions with no itemized record of EFT transactions from his royalties or from the bank, unless possibly requested. Seriously CFPB needs to get publishers and bank to give the lowly author an account of transactions being priced with fees that no one can produce on an itemized regular basis. The author could be charged and no one never brought it to their attention. As a matter of fact the author could be charged by the Publisher and the bank. Transaction as well as payments should be accounted for to track fees and payments for both big entities siphoning money from authors. there may even be tax implications hidden in unrecognized fees and hidden to writers, some not well versed, such as self publishing ones. Transaction accountability of at least how many should be reveled in the record of publishers royalty statement as well as payments, if not what was returned monies/royalties without the author ever knowing. Banks could make agreed millions from royalty transaction fees paid by authors that never received a dime. 

So I would like an account of all transactions and fees from and to XXXX XXXX XXXX XXXX - XXXX XXXX : - XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 
XXXX, IN XXXX - And XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, and others including Distributors. Also, I would ask the publisher/distributer please give an indication of who they are as specifically as possible involving EFTs because often the parties use general terms and code that the author/writer/consumer reading their statement can not identify the royalty related companies name for transaction. This is a wild out of control set of records concerning money and transactions should be the main record as well as payments received, returned, voided and failed EFTs. Someone could be robing writers for years. I need the EFT records of transactions and fees of these XXXX to XXXX if possible. I want these factors noticed because there are too many possibilities consumers could be getting ripped off by publishers and distributers for years.

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 2020-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
The auto loan was assumed in XXXX ( in XXXX  ), including tax for {$26000.00}. and for 18 month I have been making payments for {$510.00} a month. I called to get a payoff today and was told it was {$18000.00}. I asked how that was possible and was told due to daily interest of 11.37 % on top of the interest on the loan 22.16 % that I was not putting any money towards the car payment, only the interest. I said what I have done to cause my loan to only have my payments go towards interest and not my payments? No straight reply given to me. 
I XXXX this company to find out that in XXXX in another state, XXXX, they had to pay back over XXXX XXXX dollars to buyers they hurt during these type of scams. More recently, XXXX, their BBB   accredidation was revoked for the same scams. They settled on XXXX XXXX for consumers state in subprime auto loan settlements. There is a link provided to read the court matter, judgement, and settlement on the BBB website. You can also find this by XXXX  the company name and the word scam out beside it. 
The blue book on the car is not even worth what they are saying I owe for the payoff. I can't even trade it in and try to get a lower interest rate elsewhere now. I will be upside down. I am on this loan with my daughter. She lost her job due to covid and being XXXX. She had to quit her place of employment due to her doctors instructions. I am trying to pay my bills plus hers. I was hoping to get a different car for her, only to now find out doing that is not an option, do due shady companies like this making it impossible for people. If you look at it the way they have calculated this loan, I have only paid XXXX over 18 months for this car. That is not fair or correct. This is devistating to not able to climb out of a fnincial hole because of compaines taking advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
We are moving because Covid caused me to lose my previous job in XXXX of 2020 in XXXX and I started a new job in XXXX in XXXX of 2020. Currently we have between XXXX and XXXX credit rating depending on which credit service bureau is checked. We have been customers of Wells Fargo for over 15 years, do all our banking with them and have had 3 previous loans with them. We started a Jumbo loan on XX/XX/XXXX with Wells Fargo. We locked our rate and started the process of gathering financial information. Loan went to Underwriting around XX/XX/XXXX. For funding we decided to use a combination of checking, savings, and investment accounts. One of the accounts we decided to use was a joint account between my father and myself. I have been on the account, with full rights, for 18 months. In anticipation of funds needed for closing I moved {$17000.00} from my joint account to an investment account with XXXX XXXX where all funds for close were being amassed. Underwriting came back and said that they would not include the {$17000.00} in our funds because it had the appearance of adding the account just for this loan. We protested to our banking representative who escalated to his regional manager on XX/XX/XXXX ( Our closing on our new house is XX/XX/XXXX ). We then had my father write a personal letter saying we had full access to the account with all rights. We then had the branch send to underwriting the exact date when I signed the signature card as joint owner. After this escalation Under writing said they would allow the funds but it needed to come with a gift letter. We are refusing to get the gift letter because the amount being requested will cause undue tax implications as well as we have full access to this account as with any other joint account. Our loan officer then said it was being escalated further on XX/XX/XXXX. We have not heard anything else and therefore to keep from losing our new property, make our closing we initiated a pull from an IRA and have now paid the penalty and taxes to make up the difference that is needed for close. So I want to know why I could not use the funds in my joint account when : I have been on the account for 18 months ; have full access to add, subtract and transfer from and to this account ; and I did not initiate this loan until 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 2020-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
In JXX/XX/XXXX, I had a family emergency that required financial assistance and I turned to NetCredit ( NC ) for assistance with a personal loan. My loan was approved, and I have made consistent payments on this loan for over a year. In this past year, my balance has barely changed. My loan was funded for {$5700.00}. As of todays date, my balance is {$5700.00}. 

I contacted NetCredit in XX/XX/XXXX to see if I qualified for any type of assistance with my loan. I was given a one-month deferral. My loan is now MORE than my original amount. I called again on XX/XX/XXXX and advised that I needed assistance and wanted to discuss any program options available to me. XXXX, from the escalation team spoke with me and advised the following : NetCredit does not offer any option to lower interest rates. 
An additional deferral could be offered, providing financial documents to ensure that I actually qualify for the assistance, however, this would only further increase my balance. 
Total interest at the end of the loan comes to approximately {$11000.00} There are several reasons that I am filing a formal complaint. First, I advised NC that I was experiencing a financial hardship and wanted to work WITH them in seeking a solution and I was told that the only option is a deferral, which would not assist me with the issues I am having. Second, I advised NC that I now live on a fixed income due to having a XXXX XXXX  and other medical issues and there was no response from the representative. It seems that NC offers loans to people who are desperate and vulnerable, but offers realistic options for a customer who is making a good-faith effort to find an amicable solution. 

As a result of COVID-19, many other companies have come forward to offer assistance and work with their customers for solutions. It is apparent that NC has no interest in the well-being of their customers and cares nothing about the hardships people, like myself, are facing every day. I find that their interest rates are excessive and because of my change in circumstances, I am unable to make larger payments that would facilitate paying the loan off faster. I have advised NC that I may need to file for bankruptcy to which there was also no response. 

At this time, I am seeking assistance in communicating with NetCredit because I need to maintain my credit and want to continue to make regular payments. I do not believe that this is unreasonable and would request your guidance regarding the tremendous interest rate. It hardly seems fair to consumers, whom are facing challenging times, for this company to have such a disregard for sudden changes in circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I have received 2 charges from Insight Capital that I did not authorize. Today I received a notification again that they attempted to withdraw money from my account ( without prior authorization ) but luckily my account is overdrawn so they weren't able to. However, every 2 weeks, during my payday they withdraw money from account without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a XXXX XXXX credit card and realize that they were going to charge me {$75.00} to get the card and XXXX every month I decided I didnt want the card and asked for a refund on the {$75.00} they added interest to the {$75.00} did not refund it to me and turned it over to Midland financial I asked for my {$75.00} back and made a deal with them, but I can never do that because their system wasnt working, I called them at least 10 times to try and get this resolved they werent willing to.

Company response to consumer: Closed with explanation