vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: OneMain Finance Corporation
State: OK

Complaint narrative:
I have an existing title loan with One Main Financial from the XXXX and XXXX location or very close to that intersection in XXXX. My problem is not that I can't contact this office, it is the opposite. My payment is due on the XXXX of the month, and I have usually been paid a month in advance, but due to a unexpected expense, I was not able to pay on the XXXX. I knew I would pay it on the XXXX when I got paid. I had a missed call from One Main on the XXXX of XXXX at XXXX, at that time I went in and scheduled my payment online to be debited from my account on the XX/XX/XXXX in the amount of XXXX which is the amount that was due with late fee as they posted. I received another call on XX/XX/XXXX at XXXX XXXX which I missed because I was on another call for work. I returned the call at XXXX XX/XX/XXXX and spoke with a lady who was able to pull up my account to see why I was contacted, since I had scheduled my payment, she said I was good and did not know why XXXX I believe was the name of the guy who had called. I thought okay, all is good. On XX/XX/XXXX at XXXX XXXX  I received another call from XXXX. He said that he saw I had scheduled my payment but I needed to pay another {$26.00} for additional late fee and was trying to get me pay it on the spot and to setup auto payments. I informed him I would take care of the additional fee, but was not going to setup auto pay. He was wanting to know why I could not pay. I kindly told him I was not going to go into detail only that something unexpected came up and I would take care of it. On XX/XX/XXXX at XXXX I missed a call from One Main so I returned the call at XXXX and spoke with XXXX again XXXX XXXX told me that I did not pay the additional fee and wanted to collect it, also told me that he had in his notes that I told him that I was going to cancel my original payment to make a new one to include extra fee. I stopped him and told him I never said I was going to cancel my payment, only that I would take care of the additional fee. I also told him I did not appreciate his harassments for a payment I had scheduled. I feel like it is very unethical and excessive to be considering that I was not 30 days past due and I had scheduled a payment. I have never been harrassed like this before. I have kept my account in good standing to get this kind of treatment. I told him it was very unprofessional of him for these very reasons. I would understand if I was delinquent 30 plus days, but I was not. If I am getting treated this way I can only imagine how others are being harrassed. If I had the ability to pay this loan in full I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: MD

Complaint narrative:
I have spoken witXXXX XXXX XXXX XXXX  on several occasions and they removed the lates once and then placed them back on. I have NEVER been late with them EVER! I need them to remove the two lates from my report of XX/XX/2018 & XX/XX/2018.

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 2021-08-19 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: MD

Complaint narrative:
I have spoken with XXXX XXXX XXXX on several occasions and they removed the lates once and then placed them back on. I have NEVER been late with them EVER! I need them to remove the two lates from my report of XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: SC

Complaint narrative:
company is reporting unjust false and misleading information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am having a major issue with PNC Bank right now. There was over XXXX in my bank at the time that transactions were already posted. I had two extra come out of a balance left XXXX that was XXXX on XX/XX/21 and XXXX on XX/XX/21. They in turn made my account negative XXXX x XXXX when I had money in the account. I will also file with XXXX XXXX  due to this mix-up. But to charge me XXXX 5 times is not right. I would like for that to be removed from the account. I am noticing when items are posted they pulled the money out but then even after it is posted and paid it comes out of the account. So I would like for that to be fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19 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: FL

Complaint narrative:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

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 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX XXXX  my debit cards were stolen and used to withdraw {$1000.00} and {$700.00}, totaling {$1700.00} from 2 different Wells Fargo accounts. I don't know who this person was or how they were able to withdraw money from an ATM. I immediately reported fraud to Wells Fargo within a few hours of noticing the withdrawal. 

Wells Fargo denied my fraud claim. I escalated the claim and it was denied again. Wells Fargo is not honoring their anti-fraud statement that says we are not liable for purchases made without our consent or authority. 

I filed a police report. Why would I file a police report if this was an authorized withdrawal?

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 2021-08-19 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: FL

Complaint narrative:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

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 2021-08-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: PA

Complaint narrative:
We went into forbearance XX/XX/2020 due to COVID-19. We filed for a loan modification due to our inability to resume payments as normal. The mortgage company has lost, withdrawn, or requested corrections multiple times. The last application as well as corrections was submitted though our current bankruptcy attorney 's office. They are claiming the documents weren't received in time and telling us to complete the application for a fourth time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: GA

Complaint narrative:
Transunion has the worst customer service ever I called to ask about a account I never seen before because I got a alert and the dispute department was rude and lied to me telling me that fraud department had no number to call and that I could not be transferred I was then hung up on and argued by a XXXX XXXX the supposed supervisor! I was explaining that I never ever did business with XXXX a collection account and do not have no knowledge of them!! I never had XXXX XXXX at all ever in my life!!!! Like what in the world is that company anyways?! The account say XX/XX/XXXX and it needs to be DELETED ASAP because it is not mine. DELETE XXXX  of my credit report ASAP

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 2021-08-19 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: TX

Complaint narrative:
My bankruptcy was filed and discharged in XXXX. A debt that was included in said bankruptcy, ( XXXX  XXXX ) sold that debt to a debt collection company after the debt was discharged in bankruptcy to a company called XXXX XXXXXXXX XXXX XXXX. They did this in XXXX of XXXX. After my successful discharge of said debt. This is against the law. You have been given this information multiple times. I have provided this evidence a multitude of times via Experian disputes. Do you comprehend? Do you understand? 

Therefore, a collection account is on my credit report. It shouldn't be. It involves a debt discharged in bankruptcy with the original creditor XXXX XXXX XXXX XXXX But a debt collection company XXXX XXXX XXXX XXXX bought that discharged debt and reported it on my credit report. This is against the law. Please remove the invalid and illegal reporting.

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 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2017 account # XXXX and # XXXX was opened at Suntrust address associated with account was XXXX XXXX XXXX XXXX FL XXXX XXXX I have never stay at this address and didnt give anyone permission to use my social security number

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 2021-08-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: MD

Complaint narrative:
I have spoken with XXXX XXXX XXXX on several occasions and they removed the lates once and then placed them back on. I have NEVER been late with them EVER! I need them to remove the two lates from my report of XX/XX/2018 & XX/XX/2018.

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 2021-08-19 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: AL

Complaint narrative:
I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: SC

Complaint narrative:
company is reporting unjust, false, and misleading information on my credit 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 2021-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I requested a credit amount of {$79.00} to be mailed to me as a Check before closing my Wells Fargo credit card. They claimed that they put on the request at the end of XXXX ( I believe XX/XX/2021 ) and this will take 5 - 15 business days to reach me. Until now, I haven't received anything from them and they keep giving me the runaround whenever I call their customer service.

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 2021-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
In XXXX of XXXX Citizens Bank used our mortgage payment to purchase homeowners insurance. My agent and I both faxed proof of insurance to Citizens. By the time this was corrected by Citizens it was XXXX of XXXX. In the meantime I continued to make my monthly payment, we have NOT missed any payments. Citizens Bank still has us a month behind on our mortgage from the payment they used in XXXX for insurance. Because of this they are charging late fees and the collections department is calling us weekly. I have just now received another letter from them regarding lack of homeowners insurance. I have had my agent fax them proof of insurance and I have as well. I have called and spoken to a different person every week regarding this. Someone is always going to call me back, no one has ever called. I have left messages for a XXXX XXXX every week since XX/XX/XXXX and she has never returned my call. The only people I can actually talk to are in collections. Once they read the notes on my account they say someone is working on it and will get back to me, As of today no one has called me. There has been no money sent back to me and Citizens has over {$1000.00} sitting in a suspense account that I can see when I check my account on line. I received a letter from XXXX in XXXX stating they had refunded money to me but I have not received anything. THIS IS MY SECOND COMPLAINT! I can not speak to any one at Citizens and am in need of some help. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We put in a complaint about this before. On XX/XX/2021 we had Capital One write a cashier 's check for {$250000.00}. Our mortgage company misplaced the check. Capital One told us they could not put a stop on the check for 90 days. They then put a stop on a cashier 's check for {$250000.00} after they said they could not do this -- without telling us. They will not honor the stopped cashier 's check. They asked us to have our mortgage company fill out an affidavit on the check so we could get our funds back. Our mortgage company did this, and Capital One STILL refuses to give us our money back. 
Capital One responded to the previous complaint ( Capital One CID : XXXX and XXXX CFPB Complaint ID : XXXX and XXXX ) with a series of lies. They claim that the check was stopped on the XXXX -- yet XXXX XXXX could not cash the check on the XXXX. This is impossible and is a lie. They also claim we called on XX/XX/XXXX to stop the check -- but why on earth would we do this after we saw that initially XXXX XXXX put the money in our account on XX/XX/XXXX??? 
Another lie is that the author of our response said we could ask for a stop on the stop payment. But on XX/XX/XXXX, Capital One stated that they could not stop the Stop! 
The letter also states that we will get our money back after 95 days from the date of the check. This would be XXXX XXXX. However, I called and Capital One said they would return the money on XXXX XXXX ( 99 days ). 

XXXX  XXXX -- can the CFPB do something about this criminal behavior? It isn't enough to just forward complaints to the very bank causing the issue ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am a victim of identity theft. All of my accounts were compromised and my email addresses and phone numbers. My social was compromised as well as my EIN number.I contacted Wella fargo to update information I was not successful in getting assistance with updating my information even though I stated over a recorded line that I was a victim of identity theft I was not assisted in changing my username or password.

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 2021-08-19 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: SC

Complaint narrative:
company refuse to remove unjust, false, and misleading information on my credit 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