vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-26 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: NY

Complaint narrative:
XXXX sent a lot - and I mean A LOT - of false info to a lot of companies! 

Those problems were reported to XXXX, XXXX & TransUnion in XX/XX/XXXX! 

Those problems were reported - again - to XXXX, XXXX & TransUnion in XX/XX/XXXX! 

Now - in XX/XX/XXXX - some of my XXXX XXXX Benefits r being delayed because of crimes committed by XXXX, XXXX & TransUnion! 

That is outrageous! 
XXXX XXXX Benefits r largely about transportation! 
I need that because of dis-abilities! 

Think about how abusive XXXX, XXXX & TransUnion have been with those crimes!

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 2019-04-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX sent a lot - and I mean A LOT - of false info to a lot of companies! 

Those problems were reported to XXXX, Experian XXXX XXXX  in XXXX! 

Those problems were reported - again - to XXXX, Experian XXXX XXXX in XXXX! 

Now - in XXXX XXXX - some of my XXXX XXXX XXXX r being delayed because of crimes committed by XXXX, Experian XXXX XXXX! 

That is outrageous! 
XXXX XXXX XXXX  r largely about transportation! 
I need that because of XXXX! 

Think about how abusive XXXX, Experian XXXX XXXX have been with those crimes!

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 2019-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I told Bank of America that I must have a lower monthly payment because of reverses in the stock market and because I have limited means from my Social Security funds! The bank cruelly refuses to help me out a citizen of advancing years with serious medical problems! The bank is being brutal! 

I have dutifully paid each and every monthly car loan payment of {$770.00} ON TIME!

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 2019-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
During the process of taking a mortgage for my apt purchase, Chase mortgage representative offered my a incentives to close on the mortgage. one of them was getting {$500.00} when 1 do 3 things 1.  Open a Checking account with Chase 2. Paperless mortgage statements 3. auto debit the mortgage payment from that account In the email I received from the banker with the details, there was no mention of a time frame to open this account within to qualify. Based on the benefits, I closed the mortgage with Chase. When I tried to open the account 8 months after closing, after 10 calls, Chase lets me know that I am not eligible as the time frame to qualify is only 60 days. They also let me know that they cant do anything as the banker who closed the loan with me is no longer with the firm. 

The XXXX cash bonus was one of the reasons I opened my mortgage with Chase and they not honoring what was offered makes me feel cheated. 

Not attaching mail proof as I have details on the mortgage. but have shared the mail with JP morgan. I can attach if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Attempted to open a CITI BANK Savings account in XX/XX/2019. This was online. Apparently CITI BANK did not make the fund transfer. Today I receive an OVER-DRAW call from CITI BANK on an account that was never consummated. XXXX DOLLARS is the Grand Total of amount put into said account. Said account number is????? .... I have no idea because I have never received anything with Savings Account Number. 


Now the XXXX : 1 ) Citi claims there was no banking information input for online transfer. XXXX, I had my daughter and wife were right by me as I entered information when I did this. 
2 ) " Said account '' that I was accessed an OVER-DRAW FEE for was never consummated in any way shape or form. 
3 ) Citi claims they sent a " welcome packet '' as well as " banking information '' letter. XXXX again. Nothing ever arrived. 
4 ) Citi stole my information on the online form. No nothing after I input data. 
5 ) My credit rating takes hit because of OVER-DRAW. Great, I work to obtain well over 800 credit rating ... ... for what??? Or, for who ... ..certainly not the consumer. You know, I have never been offered a better loan fee than what was listed for everyone ... ... funny how that works. Again, who is my credit rating for? 
7 ) Check out CITII BANK " chat window '' that never works '' ...!!!!! 
8 ) MY BAD, the APR was way to good ... .if it sounds too good to be true ... .CITI will XXXX you! 

This is what corrupt banking looks like. And worse yet, Our GOVERNMENT offers no recourse. Banks keep getting away with this XXXX. 

FULL TRANSPARENCY SIGNATURE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX 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 2019-04-26 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XX/XX/XXXX {$36.00} XXXX XXXX XX/XX/XXXX {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As of XX/XX/2015 Transunion Credit Reorting is reporting my Credit Card Utilization at 40 % and is including my Equity Loan as a Credit Card, This is secured loan not a credit card. This Secured Home Loan has a balance that distorts my actual credit card utilization. When I contacted them they basically said " not my problem ''. The reporting bank needs change how it is reported. It is an Equity Loan so not sure what else they need to do and bank is not going to change what it is!

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 2019-04-26 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XX/XX/XXXX {$36.00} XXXX XXXX XX/XX/XXXX {$160.00}

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 2019-04-26 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX  XX/XX/XXXX {$36.00} XXXX XXXX XX/XX/XXXX {$160.00}

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 non-monetary relief
Consumer complaint received 2019-04-26 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
There's inquirys of places I havent even appled for want them off 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 2019-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
We called Wells Fargo Home Mortgage to get a payoff on our mortgage on XX/XX/, the account representative pulled the payoff in the amount of {$450.00}. The representative advised us that we could not transfer the money online ourselves and advised that she would handle this on the bank side. She got the account information but she entered the information for the account number wrong. OnXX/XX/XXXX my husband realized the amount never came out of our Wells Fargo checking account and called Wells Fargo back to find out why. The representative acknowledged their error and fixed the account draft and processed it correctly. The XXXX cleared our bank account on XX/XX/. 

On XX/XX/, we called Wells Fargo to check on our satisfaction of our lien that had not been processed with the XXXX County Register of Deeds. In NC there is a 30 day requirement to release a lien. The representative advised that they showed the lien had not been released and would send an urgent request to the lien release department to XXXX this paperwork. We were told that a representative would call me with this information. We received no call back. On XX/XX/, we called Wells Fargo back and were advised no additional work had been processed by the lien release department. A case was opened with the executive escalation department. OnXX/XX/XXXX, we called the executive department and received no updates to our request. Around XXXX the same day, a representative named XXXX from Wells called to say he was handling our request. He proceeded to state that my loan was not paid off and that I still owed {$450.00} since the first automatic draft did not complete. While on the phone, we pulled up our bank account and gave the cleared date of our draft. He proceeded to disagree with me even though he had no access to look at our Wells Fargo checking account. We are in receipt of a final payoff letter from Wells Fargo dated XX/XX/ stating our account is paid in full. Our online banking confirms our mortgage account is paid in full. 

Here is our deed information {$160000.00}. Book 2494 page 1761 - 1782 datedXX/XX/XXXX. There is an extreme disconnect from the generation of a payoff letter and processing the release that needs to be investigated. I want this expedited immediately.

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 2019-04-26 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I get a monthly statement from Citi every month stating that my minimum monthly payment is {$650.00} a month. I am attaching a copy of the statement which is similar to the one we get each month. I pay the {$650.00} religiously ( before the due-date ) each month, but despite that, Citi reports that my account is past due. I am also attaching a statement illustrating that I have made timely payments each month, going back to XX/XX/XXXX until this month ( XX/XX/XXXX ). Over the course of that time, Citi has erroneously reported me delinquent when they should have reported me in good standing.

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 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Quantum Servicing Corporation
State: NC

Complaint narrative:
Under the FDCPA Section 807 ( 8 ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Quantum Loan Servicing ALL have failed to report a disputed debt to the credit bureaus. 

Moreover, US Bank National Association 2015 Pooling and Servicing Agreement per the SEC show NO Transactions for the years XX/XX/XXXX-XX/XX/XXXX that will constitute a foreclosure representing that is being serviced by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I opened a best buy joint account, together with XXXX XXXX XXXX, the number is XXXX XXXX XXXX XXXX. After that on XX/XX/XXXX I opened a new account by myself and I asked to close the previous account, I did not need the other one because by the time I applied for the Best buy credit card now I have a previous record. The ONLY reason I applied together it was because when I applied for first card on XX/XX/XXXX I needed i cosigner to get the card authorized.

So, since the time I got my own card on XX/XX/XXXX I never used the first card ( The join card ) NEVER USED AGAIN. I told Best Buy to exclude me from that and they said Okay. We will but we need XXXX XXXX XXXX call us. So, I told her close the account. BUT, SHE NEVER DID.

Years passed and some weeks ago on XX/XX/XXXX, I bought a laptop and the time to pay the seller asked me : You have two accounts  in which one you one to charge this item? I said two accounts? He said yes, you need to call best buy.

After that I have sent three messages trough their website ( secure messaging ) asking to cancel the first account, the one I tough did not exist and they have never have answered. Just I am sorry, we apologize for .... Call us. ALWAYS same situation no answer.

What is worst XXXX XXXX XXXX knows about this situation and she have been buying and using this account. I received an statement on XX/XX/XXXX with a balance of {$1200.00} USD using my email address.

I asked some days ago and the bank is even reporting FALSE INFORMATION to my credit report. An address does not belongs to me.

That address correspond to XXXX XXXX XXXX and is as follows : XXXX XXXX XXXX XXXX   XXXX Texas XXXX Her Email address is : XXXX Her phone number is : ( XXXX ) XXXX XXXX XXXX The card number I am talking about to cancel my responsability is : XXXX XXXX XXXX XXXX Where Can I report this situation she is using my email address?

So, what I want is be exclude it from that account, I do not have to be responsible for something I am not buying and is an she is doing wrong things using my email address. Actually, I do not have any relationship with her since long time ago, as I know she is a very dishonest person doing many tricky things and always trying to take advantage of any person and any situation.

Besides, as far as i know she has her own card. 
So, cancel the card and transfer the balance to her card.

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 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2017 to XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MT

Complaint narrative:
I had 3 different HELOC loans on some of my rental properties that ultimately ended up at PNC Bank. These have always been paid on time and I believed that all 3 were paid off. I received notice that PNC had reported me late. Because this information is unaccessible online for some reason with them, I contacted them by phone on XX/XX/19. Upon reaching customer service and giving them my name, the address and my social security number to look up my accounts, I was told that that was not enough information to give me balances. I am not sure how they expect me to pay off the accounts if they will not tell me the balances. After arguing with the agent, I requested a supervisor. The Supervisor was arrogant right off the bat. She wanted additional information over and above my name, social security number the address and even the account number that I had for one of them. She now needed the original balances on the accounts. These loans were made 15 - 20 years ago. There is no way I know the original balances. After telling her that I was filing a complaint and would like a copy of the recording of the conversation she told me to get a court order. She then said I could tell her the last payment that I made on each account. Again this was months ago and my online banking no longer has this info without going to paper records. ( this is an entirely different issue, but another way banks are not helping the consumer ) She finally gave in when I gave her all 3 addresses and gave me the balances. 2 had been overpaid by several hundred dollars and one was short {$19.00}. Instead of applying the overage funds to the short account which I thought was paid in full, they chose to report me late to the credit bureaus. What a lovely policy to XXXX the consumer. This is the most arrogant unhelpful lender I have ever had the displeasure of working with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Friday XX/XX/XXXX, I reached out to Wells Fargo to upgrade my credit card to their Cash Wise with the same line of credit that I have had since I was a XXXX in college, 6 years ago. I clearly stated that I wanted it to be an upgrade of the current line of credit as the line I had with Wells Fargo was my oldest line of credit. The person I spoke to ensured that I would be under the same line of credit since everything was done in house. The employee stated I qualified for an upgrade, and I went through an application process. They said they would close my account and open up a new one, but they at no time said this also meant I would have my credit line closed and receive a hard inquiry on my credit score. This significantly impacted my credit score with XXXX and XXXX. I feel Wells Fargo either deceived me or gave me false information pertaining to my credit card upgrade as I would not have approved of the upgrade if I new it would lead to the closure of my oldest line of credit. Wells Fargo is already notorious for illegal practices, and I should have known they would willing deceive me for their own benefit.

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 2019-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On Transunion, XXXX and XXXX credit reports of XXXX XXXX, and recent credit report of XXXX XXXX XXXX acccount # XXXX derogatory remarks hasn't been removed. 
XXXX is reporting that XX/XX/XXXX, XX/XX/XXXX and other months of XXXX and XXXX Derogatory remarks of XXXX days still on credit reports. 
As Transunion, XXXX and XXXX are stating that it has been removed. 

My XXXX XXXX checking account ending in # XXXX evidence shows that XX/XX/XXXX, XX/XX/XXXX was paid timely as all payments was made by phone calls to XXXX.Please review XXXX XXXX statement. 
Also, XXXX XXXX tradeline account # XXXX hasn't been added to Transunion and XXXX I sent a email to creditor Legal Counsel XXXX XXXX XXXX XXXX XXXX fax. XXXX email : XXXX XXXX XXXX XXXX # XXXX balance is not {$240.00} is at {$170.00} as of XXXX XXXX and a payment of {$150.00} was scheduled on XXXX XXXX with my XXXX XXXX XXXX checking account ending # XXXX to be paid on 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