vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: OH

Complaint narrative:
I live in XXXX, Ohio. On XX/XX/XXXX, I got an online 6 month loan from Advance America and found out that the interest I am being charged 332.78 % APR. My understanding is that they now must lower their rate to 26 % APR. I would like them to follow the new laws here in Ohio that were enacted in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: NV

Complaint narrative:
on XX/XX/2019 XXXX XXXX XXXX XXXX reported my car account delinquent I have never been 30days late in my account. This caused me not to be able to refinance my 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 non-monetary relief
Consumer complaint received 2019-04-04 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: NV

Complaint narrative:
on XX/XX/2019 XXXX XXXX XXXX XXXX reported my car account delinquent I have never been 30days late in my account. This caused me not to be able to refinance my 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 2019-04-04 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: NV

Complaint narrative:
on XX/XX/2019 XXXX XXXX XXXX XXXX reported my car account delinquent I have never been 30days late in my account. This caused me not to be able to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Go payday advance for {$580.00},. In XXXX, Texas. They close down when I was still paying in person. The next time it reopen I was told since I didn't pay it when to a collection agency. And I had to pay for their fees. I was never given a written notice or a call where to pay. I'm also getting threatened that I got a warranty for my arrest for check fraud XXXX,. When I call the guy would not give me his Street Address, state license, he just accused me of call him and he left messages with my parents in Arizona tell them to call them and leaving the phone number : XXXX. And ask for Case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
Debt is unknown, never received collection letters or calls, it just shows on my credit report, account not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc.
State: MI

Complaint narrative:
On XXXX, 2019, I reached out to XXXX XXXX XXXX regarding an alleged debt XXXX XXXX is trying to collect for them. After several failed attempts of calling XXXX XXXX XXXX, I found out this company does not exist. I XXXX the business and I called every number that came up and every medical business I contacted stated they have not done any type of billing For this company. Since XXXX I have been disputing these debts with XXXX XXXX and all they sent me was a itemized statement that was drafted up by their company-XXXX XXXX. I asked for proof a dunning letter was sent out and received nothing besides the itemized statement that they drafted up. I also asked for validation of the alleged debt and received nothing besides the statement the drafted up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX I have paid in full my loan MERS : XXXX The mortgage in the amount of {$500000.00} has been paid off to XXXX XXXX XXXX, then it was held by XXXX XXXX XXXX XXXX which changed name XXXX XXXX which was purchased by XXXX. But none of above mention companies have issued a letter of satisfaction and mortgage is still recorded. Although XXXX XXXX on XX/XX/XXXX reported to Equifax that the loan was paid and closed. Since the mortgage is still recorded I am not able to close the sale of apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXXmy mom XXXX XXXX and left me her home that I was brought up in and the loan was in her name with XXXX XXXX bank I called XXXX XXXX bank to inform them of my mom 's XXXX  they told me I needed to do a loan modification to put loan into my name and have the home deed placed in my name which i did and was approved. I did 4 payments XX/XX/XXXX, XX/XX/XXXX/ XX/XX/XXXX. & XX/XX/XXXX. after that I rec 'd letter stating that my bank sold mortgage to Wells Fargo effective XX/XX/XXXX I made regular payments til about XX/XX/XXXX then I had Tenant issues from the home that I orginally had. I let Wells Fargo aware of my situation then my tenant husband passed away so I needed to evict her due to she could not afford rent that took about 2 months and then finally rec 'd a tenant. I found myself behind in 4 months so I tried to catch up. Then in XX/XX/XXXX/ XX/XX/XXXX Wells Farge asked me if I would like to apply for a repayment option I said yes, 2 months later I rec 'd call from an XXXX XXXX stating my payment plan would not be excepted gave me no amount just told me to start asking relatives for the money owed. I explained I have no living relatives. 
I explained to Wells Fargo t I will do my best to try to double up the payments. I have been making payments until last Month. As of XX/XX/XXXX I was going to pay them double payment they stated I could not make any payments that on XX/XX/XXXX my home has gone into foreclosure, I was devasted I rec 'd no letter, no phone calls, and no e- mails so needless to say I was blown out of the water. I asked why non of these options to contact me were done they stated they do not leave messages nor e- mails but every month I get a reminder when mortgage due. I called to complain to wells fargo and they just appologise. Now the amount owed on XX/XX/XXXX first was {XXXX}, XXXX as of today ; s date XX/XX/XXXX I now owe over {$70000.00} and they will not take a 4 month payment now they want it all in full I am trying desperately to work with them but they are refusing to give any help or assistance. I NEED HELP PLEASE. I don't want to loose my 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 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I called to ask what credit reporting bureau 's score does Fifth Third use for auto loan consideration. I was told XXXX. I know I need a score of around 630. I have Identity Alert which gives me my 3 scores monthly. I had just saw my report and scores yesterday. I already knew I wasn't at 630 on XXXX. The representative did not say, " I can run a credit report ''. After running my report she says, " your score is XXXX, which is a little low ''. Call us back later. Again, I already knew my score. I thought she was giving some information to help me. I gave her the information and she gave it back. I do not want a hard inquiry on my report for that!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-04-04 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: MO

Complaint narrative:
Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX/XXXX partial account number XXXX. ( Please see pages 6 and 7 from the attached credit report. ) This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hello my name is XXXX XXXX my social security number is XXXX the reason for this complaint is that I have been a member of fifth third since XX/XX/XXXX of XXXX I open up a savings account and a basic checking account I set up bill pay for items to be automatically paid out of my checking account. XX/XX/XXXX I graduated from a basic to an essential checking account based upon good account activity The problem comes in where fifth third Bank risk Management department decided to restrict my account XX/XX/XXXX of XXXX and later closed my account 60 days after that date There has been a domino effect of problems that have occurred because of the restriction to my account there were checks still going out for my account that needed to be stopped but I could not because I had no authority to do so my own account I contacted the corporate office of fifth third Bank and my contact person was XXXX XXXX and her supervisor pet which is a compliance officer with regulations I have had broken promises wife both XXXX XXXX and other individuals in the fifth third Bank family andthere 's still no resolution to my problem and the past 70 days I have contacted fifth third Bank numerous times for Domino affecting things that happened because of account my account was restricted the two checks that was going out automatically by bill pay was not stop there for the entities try to cash the checks which there was nsf 's and late fees that they require me to pay I am for the corporate office numerous times about the issue of me not having control over these checks going out I have asked numerous times could they give me a better reason other than account activity so I will know how to not do whatever it was that I did to put me in this predicament and there's still no resolution as of yet till this day

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-04 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: WA

Complaint narrative:
I signed up for extra protection on my account. If anyone attempt to pull my information due to obtaining any credit, it needs to be verified through me with my phone number. I noticed after checking my credit report that there is still fraudulent inquiries on my report. My identity was in jeopardy about 3 years ago. Once my vehicle was vandalize and my property was stolen during my attendance of Sunday service back XXXX. I reported everything to local police. My personal information and expensive military equipment was taken. Ever-since XXXX, I've been having problems with my credit reporting. 

On my equifax report there are 4 inquiries on my report that the representative refuse to open up investigation on. I call and get a disgruntle worker 90 % of the time. There is a new inquiry posted lately. Nobody called me to verify anything. Why opt into extra security when that doesn't even protect you. Please get this Credit reporting agency to do their jobs. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX just posted XXXX XXXX XXXXXXXX, and they never offered me the free protection I was suppose to receive when my identity was jeopardize back in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
Around XX/XX/2019, our Mortgage was sold to another Mortgage service bank. It was being serviced by Seterus, and now Mr. Cooper. There are three people on the existing loan -- myself, my mother, and my father. When we got documentation from the new Mortgage company ( Mr. Cooper ), we noticed only two people listed. We immediately contacted Mr. Cooper by phone and requested a correction to their documentation. They requested a Note from the previous loan, and stated they were still waiting for documentation from the previous Mortgage company ( Seterus ). In XX/XX/2019,  they sent an email stating we had to refinance our mortgage in order to add the third person ( myself ). We refinanced several times in the past ( approx. ten years ago ), and spent money doing so. We do not see any reason to go through this again, as it is not our mistake. We are not wealthy, and can not afford to correct their misinformation. I am writing this for any help in this unusual situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I an currently in a transaction to close on a commercial property. I have recently ( XX/XX/XXXX ) requested for several paid off or closed accounts to be removed from my credit report. On XX/XX/XXXX I checked my credit report with XXXX and Equifax and my XXXX Report showed XXXX scoring while Equifax showed XXXX. Once the request to remove the closed accounts came back showing a XXXX balance but changing the late days from 180 days to 120 days my score on XX/XX/XXXX went down to ( XXXX XXXX and Equifax XXXX ). Once I discovered this detrimental drop I contacted both bureaus and the Supervisor of Consumer Relations and Fraud department - XXXX from XXXX in XXXX says they can not tell what has changed the score and would not help me discover nor correct the issue. The rep before her even went on to say that she saw that my " XXXX XXXX 's account was not charged off but was at a " XXXX '' balance. They both well confirmed that they could see that the said " XXXX XXXX 's account as well as the XXXX account for student loans had been paid off since XXXX but was reporting on my credit report. 
XXXX ( Rep ID of XXXX ) the Dispute Dpt. Supervisor asked me to verify all of my information such as ( SSN, Name, Address, D.O.B ) and once I verified my information correctly went on to say that she would not help me unless I sent in my photo ID and SS Card by fax and they would not retrieve the information for another 5 business days. The rep before her ( XXXX ) asked for the same info then asked me questions then stated I was not able to answer his questions before I asked to speak to a supervisor. Due to the negligence of both bureaus I have not gotten any further in my quest to correct any incorrect reporting and redeem my credit score therefore this issue may cause me to lose the opportunity to close on my commercial property and leave me no choice but to sue. Please help me rectify this issue with both bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have been faced with difficulties involving my credit. I have accounts that have been reporting on my credit for some time now that are not mines. I have no idea to how this could have happened nor taken place. These accounts are the result of an identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: NY

Complaint narrative:
I have been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: MO

Complaint narrative:
XXXX and Transunion are reporting an incorrect coding of the XXXX XXXX/XXXX partial account number XXXX. ( Please see pages 6 and 7 from the attached credit report. ) This account is being coded as an XXXX when actually this needs to be coded as an XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX my loan was modified. At that time, the balance was {$140000.00} with a balloon payment due on XX/XX/XXXX of {$130000.00}. All payments were made on time so imagine my concern, when I was advised the balloon payment due was {$130000.00}. No one at Regions Bank could offer an explanation as to why there was over a {$7000.00} difference. On XX/XX/XXXX I was approved for a new loan to payoff the balloon. The new loan finally closed on XX/XX/XXXX with a disbursement date of XX/XX/XXXX in the amount of {$140000.00}. Then I received a letter dated XX/XX/XXXX that my initial loan was in default and I owed a total of {$130000.00} ( consisting  of principal in the amount of {$130000.00}, late fee of {$100.00}, and interest in the amount of {$3200.00} XXXX If the total due as of XX/XX/XXXX was {$130000.00} and my closing was for {$140000.00}, where did the difference ( {$2300.00} ) go? The total closing costs were stated to be {$710.00}. And most importantly, since XXXX I faithfully and timely made every payment for 83 months ( a total of {$91000.00} ) and now I owe more than I did then.

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 2019-04-04 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX My credit card was stolen from the XXXX in XXXX, XXXX on XXXX XXXX. I called and reported my credit card as stolen and the charges made as fraudulent that night. I was told that the credit card would be refunded of the money within 10 business days, typically sooner. The fradulent charges are for the following amounts : QT XXXX - {$20.00} QT XXXX - {$10.00} XXXX XXXX - {$1.00} XXXX XXXX - {$1.00} XXXX XXXX - {$1.00} XXXX XXXX XXXX - {$9.00} XX/XX/XXXX I went in person into Wells Fargo at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX around XXXX and spoke to a teller. I relayed the information about the credit card to the banker to ensure the account had been cancelled. I was assured it had been ; I again noted the charges that were made on the account. I also got a new debit card at this point ; the debit card is not related to the charges. 
XXXX I called in to Wells Fargo and was told the fraud charges were not marked. This after being told on the phone and in person that the charges were marked as fraud and would be refunded. I summarily closed the credit card account and paid the balance. 

I am unable to get an answer from Wells Fargo as to whether the charges will be refunded now since the card has been closed and I no longer have a Wells Fargo account. I find this unacceptable ; Wells Fargo has said it will take an additional 10 days to process, despite the mistake not being my own. Additionally, they are unable to guarantee that the fraudulent funds will be returned to me after my conversations ; only that they will process the return into an account that is no longer active.

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