vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 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 disputed two items on my credit report with Equifax. I requested proof of debt, and they failed to provide any proof, and Equifax just referred me to contact the creditors.

I contacted the two creditors and neither one could provide proof of debt either. 

Both items remain on my credit report. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: MO

Complaint narrative:
I attempted to get a car loan from XXXX XXXX in XXXX XXXX, Missouri on Monday XX/XX/2020. I was told that because of a student loan for XXXX they could not give me a loan. I told them because I am 100 % permanently and totally XXXX through Social Security, and considered individually unemployable and being paid 100 % XXXX by the VA, that those loans were going to be dismissed. I then told him that I thought they had already been taken off my credit report. He said it was on one of the credit reporting agencies reports and none of the financiers would touch the loan because it would mean a XXXX a month payment if it went into repayment. I explained to him that I was told by XXXX that the accounts had been removed from the account. He said when I got a letter saying they were dismissed to come back and he might be able to do something. On XX/XX/2020 my wife emailed the letter laying out what XXXX was doing. I am attaching that letter to the com [ plaint it is dated XX/XX/2020. Today, XX/XX/2020, I called Trans Union, as I had determined they were the only reporting agency that still had them on my report. I was told the item was not on my report. I told the customer service person, that I had been turned down by several finance businesses and asked if Trans Union could send a letter telling them that it was an error. I was told they don't do that. 

This afternoon, because I have not heard anything from XXXX XXXX XXXX I call XXXX XXXX XXXX, XXXX, XXXX and explained what had happened at the XXXX dealer and asked if they could take a look at financing me. His name was XXXX, and he asked his finance person if there was any way they could get me a truck. He called me back and told me that if I had a co-signer he might be able to, but he had looked at what at what at his sister company and he really couldn't do it. 

Trans Union bears the responsibility for this mess and they need to do something proactive to fix it. They had almost 2 months to do what XXXX told them to do, and even though the other two got it done, Trans Union sat on it till yesterday. As a result I am unable to go anywhere and get a truck.

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 2020-10-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: UT

Complaint narrative:
This is the third time I am filing a complaint regarding US/Bank Reliacard Utah unemployment benefit. Please see complaint # CFPB - XXXX. The company said they resolved the issue, but they have NOT. They requested I fax them my valid government ID, SS card, and XXXX, and include the Card ID # XXXX, which I did. They did not tell me in their letter that I had to enlarge the documents by XXXX and reduce it to the lightest point. So I waited almost a month and contacted Reliacard, at which time they informed me that I needed to refax with the above instructions, which I did on XX/XX/XXXX. They said they would then send me a card. I called on XX/XX/XXXX and talked with XXXX in XXXX. She confirmed that they did receive my fax verifying my identity and that it had been approved. However, she said they had " locked '' my account so no one could get access, which I appreciated. She said she had to escalate the unlocking to management and that if I called back on Monday, XX/XX/XXXX and she could order a card expedited. I called on XX/XX/XXXX and talked with XXXX who said he couldn't find the account, that everything had been deleted. He could not help us. I hung up and called two more times, finally talking with XXXX, who found and verified the account easily, and said she could order a card expedited but had to send it to a manager. Called back on XX/XX/XXXX to see if card had been ordered, call was disconnected. Called again and spoke with XXXX at XXXX XXXX. She said she would order the card and confirmed that the order went through. Instructed me to call XX/XX/XXXX ( today ) and they could give me the tracking #. When I called they said they needed the password I had given them the day before. We NEVER, IN OVER 30 CALLS, going back to XXXX, was asked for a password and explained that we did not know what they were talking about. They said they could not help. I begged them to transfer me to a supervisor or manager. They put me on hold for 2 1/2 hours before call was disconnected. Reliacard customer service is the worst I have ever experienced. They have used every excuse possible to deny or delay getting me a card. I have attached several documents showing what I have done and communications without any resolution. Even with the first complaint I filed, they used the excuse that they couldn't respond because I had asked them to try to contact me through my sister and they told me I had to refile the claim because I'd mentioned her name. I refiled and then their response was that they already resolved the complaint ... which they had not.

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 2020-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
I moved from XXXX to XXXX, and need to get a XXXX title. I called my lender, Fifth Third Bank, for a faxed copy of my title, and they stated that all title matters were handled through XXXX. 

On XX/XX/XXXX, I tried to initiate a state change from the XXXX website. It said the fee would be {$36.00} to mail the title to my new state 's vehicle license office. 

I decided to call them instead at XXXX to see if they could fax the title, as it should be cheaper and faster to fax the title. When I talked to the agent, I asked them if they could simply fax the title over, they said no, they can only mail titles because " it is a legal document ''. 

They said it's a {$43.00} fee over the phone or {$36.00} online. I said that frankly that fee seemed a bit outrageous and asked if they could waive the fee, they said they can't, but they could refer me back to Fifth Third if I wanted to take it up with them.

I talked with my local vehicle licensing office, and they had never heard of such a title fee. The person on the phone sounded surprised, and frankly, this seems like a ripoff to me. I didn't realize the fees would be so high, and if this was disclosed, I would have chosen another lender.

So I decided to contact Fifth Third again on XX/XX/XXXX. The agent XXXX was very friendly, but informed me that yes, all title matters have to go through XXXX. I told her that the fee seemed really high, and she said that was the only option. 

Which brings me here. Fees of this nature should have to be disclosed upfront, like they do with credit cards. I find this fee outrageous and excessive. The fee itself is not the problem, I am upper middle class, but I do not feel it is morally right to pay this fee without bringing attention to this new practice. It turns out that a lot of auto loan vendors have taken to using XXXX, I'm sure that it greatly reduces their costs, and perhaps they even receive a kickback, leaving the customer to foot the surprise bill. 

Not to mention the fact that mailing the title is slower and less secure than fax. What if the title gets lost or stolen? I read multiple horror stories online of this happening with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I initially received some communication from Portfolio Recovery regarding a debt owed. I requested detailed validation of the debt to review the records but they simply just sent me a one page notice on their letterhead but nothing from the actual source. I also took note that Portfolio was reporting to the credit reporting agencies that I have a one month term with them which I do not, nor have I ever agreed to such. In addition Portfolio is stating they are the creditor of this account which can not be factual.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am a victim of identity theft and there are two credit inquiries that are currently appearing on my credit report that I did not authorize. They are listed below : 1. XXXX Date : XX/XX/2020 2. US SM BUS ADMIN ODA Date : XX/XX/2020 I have provided all of the information that is needed for Experian to remove these inquiries from my Experian credit report. As of today, Experian is still showing these fraudulent inquiries on my credit report and have not provided me with any proof that these inquiries should still be on my credit report. I want these two fraudulent inquiries removed from my credit report 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 2020-10-28 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I've contacted this company numerous of times over the past 5 months. I've stated to them as well as proven to them that they are reporting inaccuracies on my credit report. This is affecting my credit very poorly and stopping me from obtaining residence for my family. I gave this company more than enough time to correct this. Way past the legal time companies have to respond. And they just continue to violate my rights per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: GA

Complaint narrative:
The agents at IQ Data reached out to me at my place of work on Wednesday, XX/XX/2020 for a contested debt amount of XXXX, and when I told them I can not take calls from work and I need to speak to them after I get off of work, the agent repeatedly badgered me about why I wasn't able to just transfer funds. When I explained that I was the only one at work and I can not have my phone out at work, the agent stated he found it hard to believe I was the only one at my place of employment and that he doesn't understand why I won't just take care of the debt right then and there. He repeatedly raised his voice and talked over me, even though I asked multiple times to talk later since I was at work. I told him it was inappropriate to take up phone time at my job, especially when I am not to be conducting personal business at work, and that I had patients in the lobby to attend to, as I work at a chiropractor 's office. I am the only front desk and the doctor is the only other employee at this location. I eventually had to hang up as the agent refused to listen to my requests to not be called at work and continued to raise his voice and argue with me. He also asked why I had to wait until I got home to transfer the money since they close so close to the time I would get home.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Yes on XXXX I purchase a car XXXX XXXX XXXX, on XXXX I purchase a house maybe when I move the mail get lost and I did not get my title when I paid so at this time when I want to sell my car I look for the title and I remember that I never got it so immediately I when to motor vehicle on the beginning XX/XX/XXXX so I found out when the agent told me that lien release was never send it to them they provide me the wellfargo financial so they can faxed to them and get my title but was not provided because when I called the bank told me that my social security is not the same I provide all the papers including the driver license when I purchase the car the bank account with the amount I was paying I email on XX/XX/XXXX and almost every day I call to see if they need some more information or requirements but every day is something new either don't find me neither with the vin # i feel that I paid my car a XXXX XXXX really very frustrated situation because my car been paid in full.all I want is my tittle something that I paid for.

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 2020-10-28 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: CA

Complaint narrative:
Company violated its covid 19 arrangement. Multiple reps and supervisors advised account minimums were reset to zero due for two consecutive billing cycles. 

XXXX and XX/XX/2020 were not late at all and the account was paid off completely XXXX XX/XX/2020 important to note Ive been a customer for 8+ years never once have I been 30 days late

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 2020-10-28 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: CA

Complaint narrative:
Company violated its covid 19 arrangement. Multiple reps and supervisors advised account minimums were reset to XXXX  due for two consecutive billing cycles. 

XXXX and XX/XX/2020 were not late at all and the account was paid off completely XXXX XX/XX/2020 important to note Ive been a customer for 8+ years never once have I been 30 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have a Bank of America Rewards Card. I have had this card for more than 15 years and stopped using it regularly because of Bank of America 's frequent arbitrary credit limit decreases to right above the then existing balance. This unfair and deceptive business practice artificially makes it appear that I have charged the card up to my credit limit. This practice is intentional and causes my FICO score to drop. This has occurred three times during the time I have had the card with Bank of America. My credit limit has been {$5000.00} for several years. My payments are made on time and I have never been over the balance. My current balance is approximately {$2700.00}. In XXXX of XXXX, I received a notice that my credit limit has been again decreased to {$2800.00}. Just less that {$100.00} from my then exiting balance. They might as well have closed the card. More recently, on XX/XX/XXXX, Bank of America closed my Credit Card shortly after I paid off my balance. The card at the time had a {$2800.00} credit limit with zero balance and had never been late. This unfair and deceptive trade practice by Bank of America will cause my credit score to be artificially lowered because my credit profile will now show a credit card that has been " closed by grantor. '' B of A did this intentionally to harm my credit and punish me for filing previous regulatory complaints, and because of my Race-XXXX American.

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 2020-10-28 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: GA

Complaint narrative:
I filed a complaint for Transunion to verify some that were of question on my credit report. They continue to report information in my report without verification method being reveal, further more the items that were listed in my complaint, back in XXXX has items that were listed as an Identy theft issue was pulled off the report in XXXX and then reappeared XXXX XXXX. This is unacceptable as I wrote a letter stating my concerns and they did not respond. I know that if a reporting company has to reinsert a item back on the report, they need to contact the consumer within five business days before doing so. They did not practice the FCRA Law and it is creating many issues for me. I had to hire a Attorney, because the company act as if I have no rights to question the valdility of information on my report when FCRA laws clearly state that I can.

I ask for all this information to prove that the account belongs to me and they have not provided it to me and they are still reporting the damaging information. One being a XXXX  XXXX XXXX Account. NO INFORMATION ABOUT THE ACCOUNT AND ITS VALIDITY AND IT BEEN 2 MONTHS.

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 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/2020 I signed a purchase agreement for a home. There was initially a projected closing date of XXXX. The loan company PNC continues to delay the loan and asks for an extraordinary amount of documentation about the home. The lender PNC received the appraisal from the Appraisal company but said it was not complete. They refuse to disclose what is missing and lied about when the information was exhanged. I want this loan closed but am wondering if theybare delaying because I am a minority or because this is a rural area.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have a HELOC with TD BANK with a XXXX balance and I am trying to close out my loan so that I can complete a refinance on my home. I visited my local branch on XX/XX/XXXX and submitted my Home Equity Line of Credit Closeout Request form as well as my payoff/fee for closing the loan. I was told at the time that the process would take 5-7 business days to complete. I assumed that the bank had everything that they required to close out my loan and I called to check the status of my close out on XXXX ( 5 business days after I submitted the paperwork ). At that time I was told by the representative that I spoke with that my form and payment were not received by corporate until XX/XX/XXXX so the loan would not be closed until XXXX at the latest. 

On XXXX I called the bank and was told that the bank had the information that they needed to close out my loan but that the process was just taking longer then usual. 

I waited until XX/XX/XXXX to call and follow up again on the status of closing out this loan and was told at the time that the bank had only received my payoff and did not receive my closeout request form. I had called them 3 times previous to this and they did not inform me of this until over 2 weeks after I started the process. I followed up by sending a copy of the closeout form that I had submitted through my local branch to an email that was provided to me at the time. The representative told me before ending the call that he would try to get the process expedited for me. 

I then called on XX/XX/XXXX to check on the status of the close out and was told, again, that they had everything they needed to close out my loan and that they would help to expedite the process. 

I called to follow up on XX/XX/XXXX and again asked that they had everything they needed to close out the loan and was told that the latest the loan would be closed out was XX/XX/XXXX. 

On XX/XX/XXXX, when my loan was NOT closed out I went down to my local branch to talk to a manager who told me he was going to escalate the issue and try to get it resolved ASAP. Since then I've just heard that the issue has been escalated but have not found any resolve.

My rate lock is going to expire in 2 weeks and I need this loan closed out so that I can get my final approval. This incompetence my end up costing me hundreds of dollars a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P.S.C., Inc
State: MT

Complaint narrative:
This is my second complaint against Puget Sound Collections. The attached judgement was filed on XX/XX/13, which is the past seven year mark for collections. This company can not collect this amount and it can not be reported to any credit bureau due to the age of the debt. 

This is the last warning to Puget Sound Collections, they will remoive this negative item from all three credit reports, and will not re-report or attempt to contact me in any way, written or by telephone. The judgement is off the credit reports due to age as well.

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